5 Smart Tips on Leasing Your Next Car

Consumers shopping for a new car have three options for making a deal. The first option involves a cash payment with no financing involved. The second option is automotive financing, where the consumer puts money down on a new car and finances the rest. The third option is to lease a car, basically renting it for a term and then returning it at the end of the lease.

Few people can afford to pay cash for a car, leaving the other two options as possibilities. While financing can help you to eventually own your car, leasing can help you get a new car every few years and avoid the hassle and expense of major repairs down the line.

Let’s take a look at several smart tips on leasing your next car:

1. Consider your purchase. What type of new vehicle do you want? When leasing, you need to identify the vehicle that is right for you including the make/model, trim level and other amenities. Choose the car you want and outfit it the way you want before moving to the next step. Yes, you should test drive your vehicle too to make sure that it is the right car for you.

2. Select a term. How long do you want to lease your next car? Although it is possible to get out from underneath a lease, you’ll pay transfer costs to a new owner, that is if you can find one. Choose a lease term that suits you, opting for a shorter 24-month lease if you expect your transportation needs will change or a 36-month or longer lease if you expect your needs will remain the same. The longer the lease, the lower the monthly payment… usually.

3. Know your mileage limits. Leasees often get hammered at the end of the lease term because they did not know their mileage and other limitations. Typically, you’ll be able to drive 1,000 miles per month or 39,000 miles for a 39-month lease. Go over that number and you could be charged 20 cents per mile, a payment you’ll need to make at the end of the lease term.

4. Consider wear and tear. When leasing, you need to take care of the usual maintenance unless a maintenance program is included with your lease. Change the oil at regular intervals, rotate tires, replace the air filter and handle other end of lease term matters. If you return the vehicle with obvious signs of wear and tear, expect to accessed a fee for maintenance. You may end up holding a bill for hundreds of dollars in repairs, maintenance and touch ups inside and out.

5. When to buy. Some people contend that there are better times to lease a car than others. Typically, that time can appear during the last four months of the calendar year as manufacturers seek to move older product off of dealer lots to free up space for new models. Still, lease deals can be had throughout the year, therefore keep your eyes peeled for bargains. Also, you can negotiate your lease too, reducing your monthly payment and your down payment or your capitalized cost rate.

Final Thoughts

When leasing a car, you’ll typically lease through the manufacturer’s financing arm. Negotiate the best deal and if you later decide you don’t want the car, there are services such as Swapalease.com and LeaseTrader.com that can help you get out from underneath a lease. You can also use those services to test leasing, taking over lease payments yourself to find out if a particular car and leasing is right for you.

Car Paint Restoration Tips and Techniques – Paint Stripping and Sandblasting

Auto body Repairs Using Sand Blasting Equipment:

A restoration requires you to make a choice as to which method you are going to use. In order to do this you really need to categorize the levels of restoration.

Category One – Light to Medium fix ups

Mechanical repairs and repainting

The basic mechanical work is done first to ensure safety of the vehicle components. This followed by minor body works and refinishing touch ups.

Mechanical repairs with replacements and refinishing

Some mechanical parts are replaced as needed. Little more detail is required in the bodywork.

Category Two – In Depth Restoration

Similar to the mechanical repairs with replacements with the refinishing more in depth. Some taking apart of the vehicle is required to attend to rust and corrosion of key parts. Items have to cleaned, refurbished or replaced such as drive train parts, suspension and underbody parts. Close color match of body is required and trim may need replacing. Cars restored under this category are often pampered and not used on a daily basis.

Category Three – Just off the Assembly Line

Restoration here entails making the car look like it’s just been manufactured. Showroom quality. No body fill can be used in these restorations as well as fiberglass body panels except for some Corvettes.

Category Four – Show Piece

This is the museum category and is really not applicable because they are those that are only found in the Museums.

Getting Down to Sandblasting

Sandblasters work off of compressed air and are either pressure feed or suction feed which are the cheaper of the two. The only drawback is that part of their energy goes into drawing up the material however; they don’t require an expensive pressure tank. Pressure feeds do require a pressurized tank, but they work extremely well.

Sandblasting is effective cost saving and messy. Should only be done outdoors. With the right grade of sand the results taking it right down to the metal and removing the rust pits. It works effectively on other parts as well. Make sure you apply a flash rust treatment to prevent rust till you get the primer on.

The one thing to remember about sandblasting is do not over do it. As soon as you hit the bare metal stop.

You can use silica sand for various other grades just be sure to be careful with what you use. For light touches, you can use the ground or English walnut shells.

The siphon blasters are a lot less expensive than the pressure blasters. Remember to remove the hardware and trim before blasting and make sure you wear the proper body protection as well ensuring you have a proper hood and gloves. Preferably, a supplied air hood would be ideal.

Sandblasting can be extremely effective provided the right techniques, tools and materials are used in a safe environment. Many individuals are against sand blasting because of the damage it can cause. They are right it can work against you but only if you go beyond what is required. The whole key to success is stopping when you hit the bare metal.

Car Insurance Tips for College Students

College is a time of expanding your horizons and learning about how the world works. Unfortunately, that also means that it is a time of increasing expenses and greater responsibility. One of the responsibilities that you’ll encounter that can take a significant toll on your monthly expenses is car insurance. Many students consider the insurance carrier that they used while living at home to be sufficient for their auto insurance needs, but this may not be the case. Just because your parents’ insurance company worked well for them, perhaps even saved them money, doesn’t mean that the same will be true for you. In order to get the best bang for your buck, you’ll have to take the time to do some research, get quotes and make certain that you’re getting what you’re paying for.

Evaluating Current Coverage

Look closely at the car insurance coverage you currently carry and determine if it suits your needs. You might find that you’re paying for insurance that’s appropriate for a new car when in fact you drive an old car that doesn’t have as much value. Insurance companies aren’t going to tell you you’re overpaying. They’re just going to collect the checks. If your vehicle is five years old or older, check its current value at an online vehicle valuation service and compare that to your deductible. If the deductible is $1,000 or more, and the car is only worth $3,000, then it doesn’t make sense to carry full coverage that could cost $100 per month or more. You’ll end up paying more out of pocket for the insurance than the car is worth. You may want to consider reducing your coverage in such a case so that you’ll save some money every month.

Comparing Car Insurance

Occasionally, it’s a good idea to shop around for car insurance rates and see what sort of discounts or lower prices other companies might be offering. If you don’t shop your rates around, you’ll find in time that your insurance company will gradually raise your rates, only to occasionally drop them small amounts during major life milestones, such as turning 25 or getting married. The overall effect, though, is that your insurance rates will gradually increase. Meanwhile, competing insurance companies are all trying to earn your business, so their rates will be quoted lower. The Kanetix.ca auto insurance quotes comparison service is a popular free service.

Every two years, obtain quotes from at least three competing insurance companies, being certain to get quotes that reflect the same level of coverage. Before you move your insurance, though, take the quotes to your current insurance company and ask them if they can beat them. If not, then your best recourse is to switch insurance carriers.

Switching Insurance Carriers

The process of switching insurance carriers is simple during college. If you only carry auto insurance, the process is just that much easier. All you have to do is sign up with the new insurance company, and your new agent will request all the information from your current insurance company. You’ll have a few papers to sign and return in some cases, and then you’ll receive a check in the mail for any insurance from your current insurance company for which you have already paid.

Bundling Insurance

Insurance bundling isn’t just for parents and homeowners. College students can benefit from bundling their insurance products, as well. In the insurance industry, this is known as having multiple lines. It can include renter’s insurance, life insurance and just about any other insurance product you carry. Ask your insurance provider what discounts are available for having multiple lines, and you might just be surprised how much you can save.

Rather than avoiding insurance during college, make certain that your auto insurance is exactly what you need at the time. This way, you’ll not only save money, but you’ll have peace of mind to keep your attention on your studies, as well.

3 Tips When Choosing A Window Tinting Service for Auto or Residential Window Tinting

Are you looking to get window tinting for your car, truck or SUV? Or perhaps you are even considering getting the windows tinted on your home or office to save on energy bills? Either way, it is important to know what to look for in a window tinting provider, otherwise you might not be happy with the outcome. In this article, I will outline 3 things that you can factor into your search to hopefully end up with a result that you are happy with.

1) The first thing that you should consider when looking for a window tinting service is whether or not you are in their service area. Since these companies usually work out of garages for auto jobs, you need to make sure they are close by or you are willing to make the drive their. Alternatively, if you are looking to get your home or office done, you need to make sure they are willing to come to you to do the job. Don’t waste time researching companies that don’t serve you. This should be one of the first things you look at.

2) When it comes to window tint, there are a couple different things that can cause the cost to vary. One is the product itself, in this case, the type of tint you are looking for. Some brands or types of tint are not as high quality as others, and therefore cost less. You should consider which kind of tint you want to use early in the process so that you can shop around for better deals. In addition to the tint cost, there will be labor charges, and this is where there will usually be a bigger difference between providers. Once you know what type of window tint you want, shop around and get some estimates from different companies so that you can see who offers the best deal, and go with them as long as they meet your other criteria.

3) Lastly but still very important, is to look at online reviews. You will be able to find out so much about a company by reading reviews from other customers of theirs. It can be very telling, and many times you will even find a review from a customer who was getting the same product or services that you plan on getting. So seeing their opinion and experience can really help you gain some insight into what it would be like to use this particular company. It is also good to do this because window tinting providers can sometimes be one-man companies who do this out of a van or are on a very low budget. So it’s good to know whether or not they are reliable business men and can deliver the service in the way that you expect.

Following these 3 simple steps will surely help you to find one of the best choices for a window tint provider in your area. As long as you do your research and spend a little time focusing on the finer points, you will most likely be very happy with the end result.

Tips for Windshield Glass Repair

If you are reading this article, chances are your car glass or the windshield is broken. It may not be your fault. Sometimes, things go out of control no matter how hard we try to keep them under control. Your car windshield may shatter because of a walnut that fell from the tree, for instance. Getting an auto glass repaired is a must, and below are some tips to help you out. Read on to know the tips.

Go to an auto glass shop

The crack can be small or large, but making delays is not a good idea. The crack will keep spreading into several fissures. In the end, the glass will just shatter. You may get seriously injured if the glass shatters while you are on your way in your car.

So, as soon as you notice a tiny crack, find a good auto shop for a repair or replacement. Waiting for a few days or weeks may put your life at risk.

Check the crack

While you can wait for a day or two to find a good shop, don’t just sit idle. Instead, take a closer look at the crack to see how bad it is. If the crack is really small, you are not at risk and you can drive for a day or two carefully. But if the crack is rather big, you may want to head to the nearest shop to get it fixed as soon as possible.

Temporary solutions

You can opt for a temporary solution, but it may not work for more than a day or two. For instance, you can give a go to on auto glass repair kit. In case of a minimal damage, such as a small chip, you can count on a kit for a few days.

However, in the end, you will still need to take your car to a professional for repair. Now, if your car auto glass has a big crack, we suggest that you avoiding using an at-home kit. Things can go wrong. Further damage to the glass may result in the collapse of the roof of the car.

Precautions

If you want to prevent cracks down the road, we suggest that you examine your auto glass on a regular basis. This way you can identify the problems before they get worse, which will help you avoid the risk and save money.

Aside from this, using regular sponges in order to clean the windshield is not recommended. Instead, what you need to do is buy a microfiber cloth to avoid scratches. Frequent cleaning of the windshield wipers is also a good habit. However, using low quality products is not good, as it will cost you a lot down the road. Also, the windshield should be of high quality.

Long story short, if you have a damaged auto glass, we suggest that you look for a good professional for repair services. This is a must if you want to be on the safe side.

Auto Repair and Maintenance Tips

Auto repair costs can really put a damper on your budget. However, there are easy ways to keep your car running smoothly so you can stay out of the body shop. Frequently changing your fluids, keeping up with routine maintenance, and driving safely can prolong the life of your vehicle. There are also a few unexpected things you can do that will help keep your car chugging along into old age. Here are three tips you’ve never heard of that will help you maintain your car’s performance.

Don’t Drive

Bet you didn’t see this one coming, huh? It’s pretty simple: the more you use something, the more wear and tear it will receive. The same goes for your car. Unless you’re a car collector, you probably won’t be able to completely avoid using your car. But it’s still good to give it an occasional break by using alternative modes of transportation, like biking, walking, or public transit. This will keep the car in the garage and reduce your trips to the auto repair shop.

Keep That Garage Cool

Garages and carports are a great way of keeping your car safe from the weather, as well as unexpected debris or kids playing baseball in the street. However, if you live in an area that gets snow or ice, maintaining the proper temperature for your garage becomes important. If you opt for a heated garage, driving into it with snow or ice on your car leads to melting. Melting snow and ice lead to water, water on your car leads to rust, and rust can lead to a host of problems, ranging from engine damage to a structurally weakened body. Turns out that what may be comfortable for you on a cold winter morning isn’t as great for your car.

Drive Long, Drive Happy

So now we know that water leads to rust and rust kills cars. But you’re not going to impress the mechanic at your local auto repair shop with that tip. So here’s another one: besides melting ice and snow, using your car for short trips-say, less than 10 minutes-can also lead to water and rusting. It takes time for your engine to reach its optimal operating temperature. When it’s running at its optimal temperature, the water byproduct from engine combustion is heated into vapor and expelled from the engine through the tailpipe. On shorter trips (i.e. less than 10 minutes), however, the engine never reaches operating temperature and the water condenses in the engine, eventually leading to rust damage. Condensed water can also get into the engine oil, diluting it and making it less effective at lubricating your engine. So the next time you’re thinking of driving down the block to grab a late night snack, remember that a quick walk is not only good for your heart; it’s good for your engine too.

Of course, when you do run into car trouble, it’s in your best interest to find the most qualified and trusted mechanics. Solid car repair and maintenance can also go a long way to extending the life of your car.

Happy driving!

Tips On How To Save Money On Car Insurance

Some things in life are free. Car insurance is not one of those things, and it can be rather darn expensive. Here are some ideas on how to save money on car insurance.

Depending upon what state you live in, having car insurance may not only be a smart way to protect your car, it may also be the law. Certain states require that drivers carry insurance on their vehicle, and for good reason. Car repairs can be very expensive, and most people do not have a few thousand dollars set aside just in case of an accident.

Since car insurance is something we need to spend to money on, we should try to at least save some money while we’re doing it, right?

Here are a few tips to help you save some money on your car insurance bill.

1. Get quotes from more than 1 company. You are severely limiting the money you might save by signing up with the first company you get a quote from.

2. See if your employer has any special relationships that might entitle you to cheaper insurance. Some companies that are only available to groups have incredibly attractive rates and can save you a lot of money.

3. Some companies offer percentage discounts for a good driving record, good grades in school, and defensive driving courses. A defensive driving course might cost you a few hundred bucks, but it might you save you multiples of that over the next few years. Check with the insurance company to see which programs qualify for this discount.

4. Make sure your motor vehicle record doesn’t have any wrong information. Identity thieves have figured out that it is not too difficult to get their moving violations on someone else’s record.

5. Carrying a higher deductible, for example $1000 instead of $500, can lead to lower rates. If you are not prone to having accidents, a higher deductible might be a good choice for you.

6. If you have a teenage driver, consider having them get their own policy. At least get quotes to compare whether they are adding unnecessary expense to your rates.

7. Move to a rural area. This is probably not a viable option, but car insurance does vary heavily by area and state. More densely populated areas oftentimes have much higher rates than rural areas.

8. If your vehicle is completely paid for, you may only need to carry a minimal amount of insurance. Check with your insurance company and state laws to see if you’re required to carry coverage such as liability, collision, or comprehensive coverage.

9. Some car insurance companies will give a discount if you have an alarm or theft-deterrent device installed. If your car doesn’t have one already, consider getting one.

There you have it. A few free tips on how to save money on your car insurance. Some may work for you and some may not, but you won’t know that you’re getting the best rate unless try to implement some of these tips. Good luck in reducing your car insurance bill!

Incredible Tips to Consider When Looking for Cheap Car Insurance

Did you know that there is always an accident taking place every few seconds in the United States and other developed countries globally? Getting reliable and cheap car insurance is therefore one of the most important things as you seek to cover yourself and your car from the possible accidents that could take place as you drive your car. This way you are able to be sure that you are covered and that at the same time you have saved some money in the process.

There are numerous companies online some of which you will find reliable to work with as it is always a mandatory requirement that every car be insured before hitting the road. When looking for a good insurance cover for your car it is important to consider a number of factors such as the benefits it offers you even as you compare the prices. Many people are normally blinded by the price of the cover only to find out that the benefits they were to get from that particular cover are flimsy.

When looking for cheap car insurance, there are various tricks that could be helpful to you so as to identify the ideal one. Below are some of the tips that you should consider in the process:

  • Normally, though there are numerous insurance companies dealing with all types of insurance covers, the truth of the matter is that they all offer the same services though at different rates and benefits. You should therefore do a thorough research in order to identify which company is suitable for you in the light of the cost. The online pages are ideal in giving you a wide range of insurance quotes from a huge selection of companies so as to make your choice.
  • When looking for a cheap car insurance cover, you must understand that the price is affected by the car models and therefore you should consider buying a “low risk car” as high risk ones are normally expensive to insure.
  • You can also be able to procure for inexpensive car insurance by lowering the coverage. For example you should know that old cars do not require the full coverage and therefore a third party policy will be OK in such a case. You should review your policy every time you are renewing it so as to determine what is of importance in the insurance cover and what you can do away with.
  • Cheap car insurance can also be obtained by negotiating for a discount from the company of choice. This can be obtained under certain criterion such as good driving record or multiple car discounts. Carry out some research and know which one affects you and could work well for your case.
  • You should also seek to have your car installed with anti-theft devices. This is one of the best ways to negotiate for cheap car insurance with any company.
  • Inexpensive car insurance can also be obtained by seeking to purchase annual policies instead of half year policies. This is always looked at as if you are buying goods on wholesale and therefore offers you an opportunity to save some money on your car policy.

These are some of the most effective tips that will definitely work for you when looking for cheap car insurance covers. With a huge number of companies offering their services online, getting your ideal company will not be a huge problem.

6 Simple Tips To Lower Your Car Insurance

When it comes to car insurance, there are a lot of myths and misnomers on how to save money. In fact, you can’t really be sure that the advice you receive is going to help or hurt you in the long run.

Here are some tips that can actually help you to save money.

  1. Paying your bill can make a difference. Do you pay your bill through auto pay or do you send in a check? Some companies offer a discount if you allow the insurance company to automatically debit your payment from your account each month. This may seem like small change, but it can really add up over a year or several years.
  2. You can also save money if you can pay your premium in one lump sum rather than in monthly installments. When you pay in installments, your insurance company may tack a convenience fee onto those payments. Over the course of the year, this can increase your insurance payment significantly.
  3. Don’t reduce your coverage to save money. This is very tempting to do. However, many people have ended up paying for this mistake! When you lower your coverage, you also place yourself at risk should you be in an accident. Because of this, many agents advise raising your insurance deductible. This can save you money on your insurance bill, but will not place you or your family at risk should an accident happen. Of course, you should put some money aside in case you may need to pay that deductible. Many deductibles start at $500 and increase incrementally.
  4. Ask for discounts. You would be surprised at the number of discounts that are available on auto insurance policies. In fact, you may be eligible for a premium discount if your car has a certain type of braking system or if your car has a certain type of seat belt. Your children may also receive a discount if they took driver education classes in school. You may also be eligible for a discount if you purchase your home insurance and auto insurance from the same company!
  5. Shop around for the best rates! If you still think that your auto insurance rates are high, you may want to get a free quote from another company. In fact, shopping around for auto insurance is a good way to reduce your premiums. Keep in mind that you want to compare what the same type of coverage will cost between different companies. If you do your shopping online, you can save time as well as money.
  6. Don’t get discouraged. Even if you have had some problems with your driving record, you can still find an affordable policy if you look around. In fact, there are companies that cater to drivers that have a less than perfect driving record. To find such companies, you can look online or in the phone book.

If you follow these tips, you will be sure to find a policy that can save you money as well as provide top notch coverage for you and your family. Good luck!

Five Tips for Choosing the Right Auto Body Shop

Choosing an auto body shop doesn’t have to be a frustrating experience. Estimates from different shops will likely fluctuate, sometimes to the point where you wonder if you are getting quotes for the same repair on the same vehicle. Consider these five tips to help guide you in making your decision:

1. Get Multiple Estimates

This one is obvious. Not only will multiple auto body shop quotes give you some idea of the “middle ground,” you’ll feel better knowing that you did your homework and you aren’t simply going with the cheapest… or worse yet, the most costly proposition.

2. Are They Certified and Insured

Do they seem reputable and carry all the appropriate certifications insurance?

Is the location a direct repair facility for your insurance company?

If you are completely new to the facility and going in with very little information on them, check for appropriate licensing hanging on the wall near the register.

Things can go wrong with any repair shop and your vehicle will be living there for a while, so you want to make sure that the repair facility you choose is protected in the event of fire, theft, or natural disaster.

3. Parts and Warranty

What is the warranty on repairs? Depending on whether they are a direct repair facility for your insurance company, you will likely get anywhere between 1 year and a lifetime warranty. Comparing warranties between locations can be a big indicator of the quality of parts and workmanship. You want to hire someone willing to stand by their craft.

Do they use aftermarket or used parts? Used parts don’t necessarily mean quality is bad, but when comparing quotes, you want to make sure you are comparing apples to apples. If one location is offering used parts and another new, and their estimates are the same, look closer. What is making up the extra cost in the estimate for the shop offering the used parts? The per-hour labor costs may be higher at that particular shop.

What kind of paint matching technology do they use? You want to be sure that they can make an exact match of the paint code for your vehicle, and that they are using a high-quality coating.

4. Reputation

Do they have a good local reputation? Are they part of a social network where you can check for reviews? Ask around to friends and family; almost everyone has used an auto body shop at some point, and you’ll be surprised how much information you can gather by listening to other people’s experiences.

5. Trust Your Gut… and Relax

If you are searching for an auto body shop, you and your car likely just went through a stressful experience. Trust your gut after visiting the location; you want to leave feeling that the customer service seems knowledgeable about their industry and genuine about service. If anything about the experience seems not above board, keep looking, and use the tips above to guide you until you find a professional you can feel good about.