FAQ:What things do i need to know when buying a car?

Posted on July 16, 2012 by admin

What things do i need to know when buying a car?

I would like to buy a used car from a dealer, i m a first time car buyer so i need all the important info i can get to get a good deal. I would gladly appreciate it if anyone can give me important details of things i need to know and do. I don t know yet what kind of car i want to get. I was thinking of a Honda Civic because i heard its affordable and convenient, overall a good car. But my husband doesn t want a Civic because according to him its to small of a car. Our Second option is a Ford Focus.

I want to know if you know any other cars that are gas saving.
How much can i put for down paymet? Is more better?
When is it the best time to buy a car to get a good deal? How do i know im getting a fair deal?
I have very little credit, im 21 bearly starting, my husband has ok credit will that affect anything?
Will the dealer ask for our ssn if so why?
What should we ask or tell the dealer guy and what not to say?
My husband is a cdl driver will that help us get a good quote for car insurance? Were planning State Farm
This car is mainly going to be used for work purposes.

After buying the car what do i have to do next? ( licence plates, registration, tittle)

Thank-you for the help!

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A Ford Focus is no bigger than a Civic. A Honda Accord or Ford Fusion may be a better choice for you.
Unless you are getting 0% financing, the more you can put down, the better.
If your husband has ok credit, make him the primary borrower and you the co-signer for the best rates.
The dealer will only ask you for your SSN if you are asking them to find financing for you. If you are not financing through them, don t give them this information.
Shop around for insurance. State Farm is too high for where I live, but it may work for you. Also check out Nationwide, Allstate, AAA, Geico, Progressive, and Esurance. Many of these places provide online quotes, as well.

Top Do s” in Car buying:
1) DO drive and have the car you want professionally inspected before you buy it.
2) DO walk out of the dealership if the salesperson raises the price from what was previously negotiated via phone or email.
3) DO negotiate one thing at a time. – Purchase price of car, then trade-in value, then financing.
4) DO put the down payment on a credit card if you can. In case the dealer goes out of business before vehicle delivery, it is easier to recover.
5) DO make sure the dealer pays off your trade-in promptly. You are responsible for payments until it is paid off.
6) DO make sure you get financing approval from a bank or credit union before walking into the dealership. Link attached, below, for you to search for your closest credit union.

Top DON T S in car buying:
1) DON T visit a dealership offering specials where your car is a desired trade-in . These are run by 3rd parties that maximize dealer profit.
2) DON T purchase unnecessary extras like VIN etching,extended warranties,rust proofing and fabric protection.
3) DON T take delivery of a vehicle before financing is final.
if you are looking for longevity and durability go with a honda,toyota,mitsubishi. if you lik ethe domestic cars get either chevy or ford. they all are close in size and price ranges.
by natasha r Member since:
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FAQ:Can my homeowners insurance REQUIRE receipts for everything taken during a break-in?

Posted on July 16, 2012 by admin

Can my homeowners insurance REQUIRE receipts for everything taken during a break-in?

I recently had my car broken into in front of my house, as did 7 other neighbors. We had several items taken: Zune, baseball tickets, passport, wallet, noise canceling earphones, sunglasses, prescription glasses, watch (I know it was dumb to have that much stuff in the glove compartment and center console). Anyway, we filed a police report and then filed a insurance claim. I was told to send in a list of items that were lost, approx. how old the items are, and what the cost to replace the item will be. Well, I just received a letter stating I need to provide receipts for the items. I called the insurance office and said I don t have receipts for the Zune but I have a serial #, I don t have a receipt for my passport (I can show pictures of Europe and can provide the stolen passport #), I don t have anything for the noise canceling earphones because they were a Christmas gift, but I can provide info for the watch, glasses, sunglasses. I was told that I need to call my in-laws to ask them for a receipt for the headphones, which I did and they don t have anything (it has been 9 months). I was told I need to figure out something else to provide proof that I had a passport. Is this legit? What can I do? It seems like they are making me out to be the criminal. I have had the same insurance company for my cars and homeowners since 1996 and have not made any claims on either policy! The insurance company sure has no problems collecting my premiums but when something happens they sure don t want to have to pay.

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The federal government keeps records of the passports that they issue. They can look up the passport number in their computer and verify that it was issued to you.

Also, you should immediately report the theft of the passport to the federal agency that issues them, so that they can flag it in their computers to ensure that anyone attempting to use it to enter the U.S. gets stopped.

Your situation are typical for a lot of people,so,be patient and calm down,check the resource i found useful. carinsurance.expertsupport /auto-insurance.htm
by Good♥Gyr… Member since:
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FAQ:Fender bender, insurance help?

Posted on July 16, 2012 by admin

Fender bender, insurance help?

I was in a minor fender bender yesterday. Details: I was at an off ramp that slopes down ward. The cars in front started moving. I let go of the brakes, the car in front of me slams on his brakes, so I slam on mine. I ended up causing about 4 scrapes on his bumper. He has a brand new Nissan SUV. No damage to mine. No police report.
This is my first accident, my main questions are:
1. Since my deductible is $1,000. Am I going to have to pay ALL of it? Or maybe just a portion?
2. Will I have to pay more than my deductible?
3. If I do have to pay it all, do you think my insurance will let me make a few payments? I am barely starting to get financially stable again to were I have about $500 in savings. I can give them that $500 but will need to pay about $100 a month.
4. Do you think my insurance rates will go up? and maybe by how much?

The insurance company already knows, and a claim has been filed. I can t get a hold of my insurance on the phone to ask them all of this. The claims center is in Dallas and I am in California. I might have to wait till Monday to talk to them and it is just going to stress me out profusely and make me sick until I know the answers.

Thanks

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#EANF#
#EANF#
#EANF#
source:Fender bender, insurance help? how much is car insurance

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FAQ:I want a Mustang Shelby Gt but i don t know how much it d take to save up?

Posted on July 16, 2012 by admin

I want a Mustang Shelby Gt but i don t know how much it d take to save up?

So i m 15 and i make five hundred almost six hundred a month and i wanna buy MYSELF a car
so could anyone help me figure out how much it d take me to save up to put down a good down payment and than how much would i pay monthly?
and aout how much would my insurance be?
by the way i want maybe not a new one but one in a nice condition

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About 10 years worth.
about 6 months
by Desert Rat PAUL Member since:
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FAQ:What if my dad has a car insured under his name and I get into an accident?

Posted on July 16, 2012 by admin

What if my dad has a car insured under his name and I get into an accident?

After the accident, the person gets very hurt. How much money can I be sued for? Will my dad s insurance still pay for it since it is his car that is insured?

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This is how it works.

Insurance with the proper coverage will always cover the car being driven by you and the car that was hit or hit you.

As long as the car has this kind of coverage chances are its going to insure the person in the other car if they get hurt.

But if your not under your dads insurance policy, you are not covered. So any thing done to you will not be insured and is going to come out of your own pocket. Unless its the other vehicles fault and they have uninsured motorist coverage.

In my accident, when a dumptruck hit my car, it was my dads insurance policy but I was under it.
And since it was the dumptrucks fault, the city paid for all problems.

Its always smart to be driving a vehicle that your insured for.
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source:What if my dad has a car insured under his name and I get into an accident? california car insurance

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FAQ:Car Accident Advice Someone hit me and doesn t want to go thru insurance?

Posted on July 16, 2012 by admin

Car Accident Advice Someone hit me and doesn t want to go thru insurance?

Someone recently hit my car while it was parked across the street from my house. I almost thought it was a hit and run till I found their business card on my windsheild. I called her and she said she d rather not go through her insurance but pay me directly for the damage to my car. I have been in accidents where I was hit but usually the other person just gives me their insurance info and I call them and get my car fixed fast, no problems. So I was already a little hesitant about agreeing to this, but I figured as long as it gets fixed it should be alright. So I did like she said and got an estimate from a body shop, then called her with it. Right off she said, Oh thats really high,(almost a 1000) and I reminded her that the damage is pretty severe, she backed into my rear passenger door, now entirely dented and scratched up. I know the estimate is fair compared to other work I ve had in the past. So anyways, I thought she d decide right there like she had told me before, if it was affordable for her she d pay me if not she ll go through her insurance. So since she acted like that was so much money I asked well does that mean you want to just use your insurance? She still sounded unsure and said she needs to figure this out. So it s been another day since that, still waiting, she did call again and say she s running it by her insurance agent to see which way would be better for her, insurance or pay me off. So I am still waiting, it s only been a few days since the accident but I am getting anxious because I kind of wish she would just give me her insurance info and go through it, my car would probably be in the shop already and this would be taken care of. But instead I m waiting for her. She still has not given me her insurance info, I don t have her license plate # or even what her car looks like, just a business card. And its a big inconvenience because I know I will be without a car for a at least 2-3 days, and even if she pays me she sure didn t mention a rental car. So my question is am I being too nice by waiting for her to decide whats best for her… and even if she wants to pay me should I have gotten her insurance info, like is that my legal right. So how long should I wait for her to decide?? Any advice would be greatly appreciated as obviously I should act fast. Thanks

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You must contact your insurance company ASAP !!! She may be setting you up for a lawsuit, or just about anything – she is being very fishy !!!!
Hey,
I searched and found this site has good information about car rental, it also have car rental companies reviews, car rental coupons and car rental deals, you can check it out at: UsedCar-Rental
You should have called the police when this happened. They would follow up and get the other party s insurance information. You are being too nice and are setting yourself up to get screwed.
2 years ago Report Abuse 1 person rated this as good
source:Car Accident Advice Someone hit me and doesn t want to go thru insurance? texas car insurance

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FAQ:Car Weather Accident Some minor scratches one crack?

Posted on July 16, 2012 by admin

Car Weather Accident Some minor scratches one crack?

Ok so I was driving home late morning a few nights ago, it was snowing pretty badly making conditions pretty bad, difficult to drive in and especially with my car (eclipse) so I was not doing any more then I could handle. I was on the highway going around 15-25 mph at most. Suddenly I began to swerve and spun out and got turned around and finally hit the guardrail, not much force because I was driving pretty slow to begin with. So the side of my car hit and I ended up facing the other direction. I have noticed there are a few scratches and marks on the front side one on headlight, a little below the headlight and some orange marks along the side, also a crack on the very bottom of the back bumper (not sure how it got there, kinda in the middle) So I was the only one involved and was wondering since it is a weather related accident how much my insurance will pay for? im just very confused because I am not looking forward to body shop and getting estimates, Greatly Appreciated Thanks

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Your insurance company will pay for the damage under your collision coverage. They will write an estimate to repair the car and subtract your deductible. That s the amount they will pay.

However – this is an at fault accident. It will go down as an at fault accident and your insurance rates could go up.

So- get an estimate from the shop. Subtract your deductible from that. That is about what the insurance will pay. Then go see your insurance agent. See if your agent can give you an idea of how much your rates will go up. If your rates will go up more than the amount the insurance company would pay you – do not report the claim and handle it out of pocket.
if you have full coverage, they will pay repair minus the ductiable.

the fact that the weather was bad does not relieve you of responsibility.

too fast for the conditions
My advise, go get estimates. Compare the estimates to your deductible for collision coverage. Insurance will pay to have the vehicle repaired minus the deductible (as long as you have that coverage on your policy). If getting your vehicle repaired is only like $50 more than your deductible you need to think is it worth it to put the claim into your insurance. You don t HAVE to because it will be a claim on your insurance history, but if the cost to have your vehicle repaired is much more than your deductible it would be worth it to enter the claim.
source:Car Weather Accident Some minor scratches one crack? how much is insurance

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FAQ:How much is saved by not owning a car?

Posted on July 16, 2012 by admin

How much is saved by not owning a car?

I m about to enter university, and I m thinking about moving downtown (Toronto). The cost for insurance for an occasional driver is about ~$1400/year, and a principal driver is about ~$5000+/year here. Factoring in the cost of gas, ~$1.25/litre, and a parking at around $10-15/day, how much could I save by taking public transit plus the occasional taxi ride instead of owning a compact, like a Volkswagen Golf or Toyota Corolla? Bear in mind, the average cost of a subway card here is about $150/month, and a downtown apartment parking space costs about $40,000.

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You appear to have answered your own question O Smart One!
Assuming the numbers YOU supplied are accurate, YOU can do the math yourself. If they are not, No one here can answer. I frankly don t believe you can t park for less than $3,300month.
4 months ago Report Abuse
The environment is saved.
source:How much is saved by not owning a car? florida auto insurance

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FAQ:Insurance rates for speeding ticket?

Posted on July 16, 2012 by admin

Insurance rates for speeding ticket?

I accept all responsibility. I am an idiot for doing this and I should have been paying more attention. I was caught going 50 km/h+ on a highway in Alberta. How much will my insurance rates go up? Will they double? I m 18 y/o but the car is insured under my father.
Also, how will I know when they have gone up? Do they go up after the court date, or does it start the day my ticket was issued?

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they may not go up that much.. you will know when they go up when your dad starts yelling at you
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source:Insurance rates for speeding ticket? california auto insurance

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FAQ:What s the average cost for adding a teen to auto insurance who ve completed drivers ed?

Posted on July 16, 2012 by admin

What s the average cost for adding a teen to auto insurance who ve completed drivers ed?

I got my license this past Thursday, and I m waiting on my dad to add my to his insurance (State Farm) So I can begin driving my car. It seems like he s procrastinating;UGH! Anyways, How much do you think it will be? & don t I get a discount if I ve completed drivers ed?
another question do I have to pay like this huge first time fee? or do I just pay like what i ll be paying monthly?

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I m with State Farm too.
Your insurance would depend on your car, you would pay more with a new car than with an older, less expensive one.

When I added my son, he had several discounts…driver training, good driving, good student, multicar…ask directly to State Farm (they have a good website) so they can tell you exactly how you can save money.

Edit:
I pay the bills every six months but I could pay every 3 months if I wanted to. I m not sure about a monthly payment.
My son s insurance costs about $400 every 6 months (which would be about $66/month) and he has a 2002 Corolla. He saves more than $40 every month because of his discounts.

My car is as old but my insurance costs only half of what my son s insurance costs, because I m not a teenager. Your dad is not looking forward to having to pay your insurance which will be twice as expensive as his!
some insurance companies will let you pay by the month, others want a 6 mos. premium up front. Young people pay high premiums, it all depends on the car you are driving and perhaps where you live. for an average car in a medium sized city, i would say 120 -150 per month..
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source:What s the average cost for adding a teen to auto insurance who ve completed drivers ed? texas auto insurance

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