Category Archives: Automotive

Ways to Reduce Monthly Car Payments for You

download-2On account of the current state of the economy, an increasing number of people are looking for ways to bring down their vehicular payments. For some of them, car loans take away a big chunk of their income. Sometimes, unexpected expenses occur and make your income look smaller than always. There are a few ways which can provide you with some relief on this front.

Large Down Payment
An excellent method is to make a substantial down payment. This will result in reduction of the money taken from car financing, and will minimize the amount to be paid. But usually, people do not have that kind of money and end up paying more each month.

Auto Refinancing
Many companies that work only in the field of refinancing auto loans, are available today. This option increases the length of the loan, cutting down the monthly payment. Although some companies do not provide financing below a certain amount, there are also companies that refinance auto loans with bad credit.

Used vehicles
After buying a secondhand car, you can rent it out during the weekdays. This rent will pay for its own monthly payments, and you can still use the vehicle on weekends. After few months, you can use it without any pressure on your income.

Personal Loan
Opt for credit unions instead of banks for these loans, which have higher interest rates. This will also allow you to increase your deductibles, as you will own the vehicle.

Rate of Interest
By using a bank system called the auto payment calculator, you can modify your rate of interest. Make a proper request for it after carefully calculating the rate, which you are comfortable with.

The Hardship Plan
Get in touch with your lender and request this plan. Support it with all the necessary documents, get it in writing, and check if the clauses are going to ease your situation, prior to signing it. You may have to shuffle your budget and expenditures in case you go for this option.

DIR (Debt to Income Ratio)
Having a high DIR will result into problems for your entire budget system. All your monthly expenditures divided by the gross income, will give you this ratio. By keeping it down, most of your financial problems, including your car payments, will get reduced.

Home Equity Loan
You can use this option to buy a vehicle. These loans have a lower rate of interest, so your monthly payments will be lesser. Their interest may also be tax deductible. Another way would be to avail it on a personal level, i.e. from a relative or a friend, to get a low interest rate.

Bad Credit Car Loan
Though you have bad credit, you can get a car loan by this option. This is helpful for people who badly need a car. But large banks are not very keen on giving such loans. In this case, you have to look for small vehicle dealers who also provide financing options. These people usually are the moneylenders for bad credit.

What you should really do is to buy a car, that fits your budget comfortably. But sometimes, things turn out differently than you had imagined, and you have to find your way out of this mess. Saving your money is one of the best options in such cases.

Finding Professional Auto Repair Shop

If you are the owner of the vehicle, then it is certain that you cannot avoid repair shops. It may be a simple dent or major accident; your vehicle will need repairing. Repair shops have specialized in different types of vehicle repairs. Some of the shops have specialized in one area, and others cover all the issues. So the question here is how to find an auto body repair Sunnyvale CA that fits in your interest.

Why finding a good auto repair is essential?

Even an expert driver can face accidents; there is no guarantee on the road. Mishap can occur even on the safest roads. This is the reason why you will need a good auto repair shop for your vehicles. A reliable and good shop will be able to handle your issues and auto body shop Santa Clara CA is also self-contained.  They can also assure you that your vehicles are delivered to you on time.

It is recommended that when you stuck in situations, such as road accidents, then make sure to opt for a reliable auto repair shop. Cheapest things also make people regret their decisions in the future, so do not get tempted by cheap rates.  Professionals may charge you with more, but they can guarantee you guarantee you with high-quality service. Affordable services can be availed with right collision repair San Jose CA

Looking for auto shops online

Online is the best place where you can find professional auto repair shops.  On websites, you can have a look at their experience in the field and where they are located. They also display their services on the website, and you can also find out the prices.  Everything is available at one place, and you can also bookauto body repair San Jose CAservices online. Professionals offer services such as car paint, window repair and plenty of other services.

Tips on choosing a genuine auto repair

 A simple way to check the reliability of the collision repair Santa Clara CA is to look at their ASE certification. If you are looking online, then you can have this certification on the website. ASE certified is considered as the best in the auto repair field.  If you have visible injuries on your vehicle, then it is important that you restore them immediately.  If these injuries are not restored on time, it can affect the performance of your vehicle. Professionals can restore your vehicles beauty as well as functionality without charging you a fortune for their services. Just make sure that you are choosing a reliable and professional company for this job.

Tips to Refinance Your Car

Many homeowners make a beeline for home refinancing whenever interest rates drop. Indeed, it is a great option, if you spend a whopping amount on monthly payments, owing to very high interest rates. However, many of them also pay hefty monthly payments on their car loans. What they do not know is that they can also get car refinancing in the same manner. If you choose to go for it, you may be able to save hundreds of dollars every month on car loan repayment and thousands of dollars during the tenure. If you are interested in availing this loan, it is necessary to understand how to go about it.

Tips

Car loan refinancing means paying off your current loan by getting one from another lender at lower interest rates. For example, if you are currently paying USD 500 towards monthly auto loan repayment at an interest rate of 11%, you may get it refinanced at a new interest rate of say 8%. As a result, your monthly payment amount may come down to USD 400. Thus, you can save as much as USD 100 every month. This amount is high, considering the large span over which a loan repayment is spread. Thus, there is no doubt that it is a great money saver option. Follow these steps to proceed with it:

Get in Touch with Your Current Lender
If you have decided to consider this option, get in touch with your existing lender first, and get a quote on the payoff amount. Remember, pay-off amount is not the same as balance in your loan account. Also, check the expiry date of this quote. If you are going to take long for refinancing, then ask for a further date.

Search for an Appropriate Lender
As soon as you are informed about the plummeting interest rates on auto finance, get in touch with various lenders. Compare their rates and check their criteria. You can get interest rates of various lenders on the Internet, as well. Make sure that the APR (annual percentage rate of charge) is low enough for you to land in a profitable situation. Apply only in those money lending institutions, where you have a chance of loan approval. Loan denials can have a bad impact on your credit scores. Hence, it is important to check the criteria before applying. Most lenders will demand a decent credit score to be eligible for it. Refinance with bad credit is also available, but then you might have to approach lenders who specialize in bad credit loans.

Fulfill the Criteria
Collect all important documents such as your vehicle’s registration papers, and be prepared with information, including Vehicle Identification Number (VIN), make and model of your car, year, etc. You may need additional documents, such as your account statement, pay stubs, etc., if you do not have particularly good credit scores. Your debt to income ratio can also be assessed in that case. People with less-than-perfect credit scores need to be more patient, as they have to undergo additional scrutiny. They may also not get very attractive interest rates.

Refinancing may not be for everyone. Hence, make sure that you are a candidate for it, before you apply. For others, this can be a great way to get rid of their financial woes.

Tips for Buying Motorcycle Acessories

If you are passionate about riding and you own a bike, you need to find out the best ways to buy parts and accessories. You need to ensure that you invest in the best products and take good care of your bike so that you can get optimum performance for a long time. You should make sure that you get regular inspection of the motorcycle and replace any worn out parts immediately. Apart from ensuring that the bike is in good condition, you also have to think about your personal safety by wearing the right gear, especially the helmet.

Aftermarket Parts

These are parts manufactured as quality substitutes of the original parts. Just like with the originals, these parts usually have superior performance. There are some aftermarket parts that can offer similar or even higher performance than the originals. It is, however, important to consider the manufacturer to avoid buying brands that do not work with your bike. Many bike enthusiasts prefer the aftermarket parts because they can use them to customize their bikes to suit their specific needs.

Buying Original Parts

When you need to change or replace any motorcycle parts, you should always opt for the original equipment manufacturers. This means that you will get the specific parts that are recommended by the manufacturers. When you buy the new OEM parts, you are guaranteed of superior quality. This means that you will be restoring your bike to a condition that is almost as good as new. These motorcycle parts are often more costly than other options but they are worth the cost for the results you get.

Buying Used Parts

If you are on a tight budget, you can shop for used parts. You can get a range of motorcycle accessories and parts by shopping online. If you decide to choose this option, make sure that you shop from reputable sites. Conduct online research and read online reviews to find out the best places to shop. When buying used parts, make sure that you inspect the products before purchase. There are bike mechanics and dealers who offer good quality used products to their customers.

When shopping for accessories like helmets, you should never compromise on quality. A good helmet can save your life and it is important to shop for brands from reputable manufacturers. You should not underestimate the importance of this product. Do your homework and carry out research to find out the best options in the market.

Top Motorcycle Maintenance Tips

A motorcycle maintained in top form is always a safe one to ride on. Following a set of rules when it comes to the maintenance of motorcycles will help in keeping the vehicle in top form. This will in turn aid in the smooth functioning of the motorcycle making it safe to ride.

Keeping the bike clean and rust free is the most important rule. This is the first step of maintaining the bike. On cleaning a bike you would be paying a lot of attention to the various parts and would easily be able to identify a faulty part. This will help in replacement which improves the ride.

Cleaning of the motorbike can either be done with or without water. When using water it is always wise to use plain water and a soft cloth. One can use a little bit of mild detergent but care must be taken to avoid overuse of soap. This detergent has to be dissolved completely in a bucket of water. It is absolutely not recommended to spray water with pressure because then the water might get into some of the sensitive electrical parts and ruin it. Particular care is to be taken to avoid spraying water into the air filter area.

It is advisable to avoid dissolving the chain lubricant when using detergent because it might get washed and if this happens ensure to lubricate it again before riding. Looking at the tires and wheels can give you indication of excessive wear and tear which needs to be replaced at once.

The surface of the bike is prone to damage on exposure to the sun and various chemicals therefore it is better to apply a wax coat over the painted surface. The availability of thin-film covers in the market made of urethane clear membranes helps reduce damage caused. This will also give the bike a glossy look preventing the yellowing of the bike with age.

Polishing the bike with wax requires a lot of consideration. The wax polish needs to be resistant to high temperature because the machine working expels heat. Care has to be taken to choose chrome resistant polish on chrome surfaces to prevent damage and scratching on the chrome based areas.

Plastics and vinyl parts need to be cleaned using particular products intended for that purpose. Using of petrol for cleaning purposes is not recommended at all. Ensure the protection of your bike by covering it completely when not in use.

 

Tips on Maintaining Your Motorcycle

When winter comes and cold weather begins to set in, that is the time to think about getting your motorcycle stored for the winter.  You may not even be planning to store you motorcycle for the winter because you’ve made the decision that you’ll be riding throughout the winter. Regardless of your reason for either storing it or not storing it, there are some great tips for caring for your motorcycle throughout the winter.  The steps indicated below should only take you a few hours and when you’re finished you will have done your part keeping your motorcycle in great mechanical condition and looking great.

One of the more important steps is to make sure that the fuel system has been prepared by draining and conditioning it.  One method for doing so would be to add a fuel stabilizer additive one you have drained the fuel level down to an adequate point.  When you have the stabilizer added, start your motorcycle and let it run for 5 to 10 minutes.  This will allow the additive to circulate through the fuel system in order to properly treat it.  Just fill your motorcycle up with fresh clean gas the next time you are ready to ride.

Another important step will be to clean your bike as best as possible from top to bottom.  Chances are pretty good that there has been an accumulation of dirt and grime on your motorcycle over the riding season so you may want to use a de-greasing solution to remove any grime that has accumulated.  This includes the breaks and suspension.  You should also clean the brake calipers and re-lubricate when done in order to keep your breaks working properly.

After you have completely cleaned off and dried your motorcycle, you’ll want to lubricate any necessary components that require it.  Cover the brakes, both the calipers and the discs, so that they are protected while you complete this task.  There are tons of joints and pivot points on your motorcycle so you’ll want to make sure all of them are properly lubricated.  If you’re not sure which type of lubrication to use, then you can simply use a chain lube if you have one handy.  Also, if you’re worried about corrosion, then you may consider using a corrosion treatment for those parts that may need it.

Once you’ve completely wiped down the surface of your bike, you can coat and polish the surface with wax.  Make sure that you do not wax the brakes.

Make sure that the tires are not sitting on the cold ground.  You can do so by using a motorcycle stand which work great for this purpose.  If you don’t have one available, then you can simply use a set of wood blocks or anything that will protect your tires from the cold surface.

One way that you can protect the battery and prevent yourself from having to buy a new one is by using a batter tender.  It will help protect your battery and keep it fresh throughout the winter.

The last tip for caring for your motorcycle over the winter months is to keep it covered in order to protect it from dirt and dust.  This will help keep it clean and looking great when it is time to get out and ride again.

If you don’t plan on riding your motorcycle for a long period of time, then you may want to make use of these few simple tips in order to keep your motorcycle in tip top shape for the next riding season.  Caring for your bike now and taking care of the little things can end up saving you a lot of money in the long run.

Find Affordable Car Insurance Online

Driving a car without insurance is illegal, and can turn out to be expensive for the owner. There are several types of insurance that include third party cover, vehicle damage only, theft, and comprehensive cover. Therefore, getting the right kind of cover is of utmost importance.

Factors

As per the terms and conditions, you have to pay a premium either monthly or annually. There are certain factors that come into play when premiums are calculated:
You can get a more affordable package when you buy insurance in bulk for all your cars, or if you have only one car, then try getting a home or life cover from the same insurer. They may offer you a discount.
Where you live is an important factor. If you reside in a high-risk zone, or one where it is more likely that your car may be vandalized or stolen, then the premiums are likely to be high. On the other hand, those staying in a quiet and posh area don’t need to pay too much.
Another great way to reduce your premium is by paying the excess on a particular claim. Also, the type and cost of your claim will affect your premium for the following year.
Other factors include the place where your car is parked overnight, the security devices in the car, driving skills, and your age.
Benefits

Earlier, we would flip through the yellow pages or go to a broker to get a decent deal. But with the technological advancements, brokers have become almost obsolete. People prefer using the Internet to get a good bargain, and when you can do almost anything online these days, why not use it for this too?
Most people are under the misconception that all insurers have the same premiums and rates. But you couldn’t be more wrong. Each and every company has its own calculation based on its risk assessment. By doing some research, you can get yourself the best deal and save some hard-earned dollars. The Internet sites also allow you to compare policies and their premiums so that you have a complete view of the competition.
Imagine the hassle of going to multiple brokers to get the best possible deal. In today’s fast-paced world, this is just not possible. This is where buying on the web makes more sense, and saves you precious time that you could spend with your kids instead.
Buying online is as easy as it gets. All you need to do, is to visit a related website and fill in all the relevant information. Within minutes, you will have multiple policy information and quotes on your screen. Thereafter, you can choose the best deal as per your needs.
The process of buying an insurance can intimidate most people; however, it is not all that difficult as we have seen above.

How to Find the Right Automotive

Whether it is car lifts, motorcycle lifts or truck lifts, they all provide support and have a niche space for themselves in the garage or backyard of the home. However, you must ensure that they match with the vehicles you are going to buy them for. It is also important that you consider the space factor and the repairs that you will be carrying out. If you do not do so, your work load will be heavy and work will be hampered. It would even become a hazardous job to carry out such stuff.

Talking about the price issue, one should always look out or avoid poor quality or cheap price. On a related note, one should not even go for high priced or over-priced models of lifts until and unless you are satisfied with it. There are thousands of companies which offer lifts and other automotive equipment. But not all can be trusted. The problem arises as these companies assuring long lasting life of the product have been in business for a few years only. This gives us the picture whether the product will sustain for long or not.

If we talk about the automotive lifts, while choosing one, you should always look for a model with anISO-9001 mark on it. It should be compliant with such standard otherwise there is no use of buying the lift. You must know that many buyers buy the lifts from other countries, put their tag and sell it. This makes the product sub-standard and put their far behind in terms of quality. You should not make no such mistakes when it comes to buying the lifts.

Now here comes the discussion on 2 post lifts, where you should always look for warranty. If you, by mistake, buy the low quality post lifts, the warranty would be maximum of a year and would cover only a few parts. You wouldn’t want that to happen. That’s why you should invest your money only after considering durability, price, costing and quality for that matter.

The automotive liftsproducedby a brand would have lesser chances of breaking and their guarantee would also be longer. Besides, after sales service will also be prompt enough to make you buy from them again. You should also consider which type of lift would work best and then only make your decision.

Now that you are well versed with some basic factors to be considered while buying or taking a decision to buy the lifts. Also, make sure you have the right kind of lift (two posts or four-posts) as per the requirement.

Find Cheap Car Insurance

Do you know how insurance companies label high risk drivers? The procedure starts when the insurance provider sits down with the applicant and starts asking question related to his/her driving records. These questions help the insurance provider to decide whether or not the individual is a high risk driver. Does the driver have too many traffic violations? Was he/she involved in accidents? Was he/she involved in a verbal or physical fight with the cops on the highway or near his/her car? These and many more questions are asked by the insurance provider before giving you a final nod on car insurance. An individual who speeds frequently is also termed as a risky driver.

Car insurance for such high risk drivers doesn’t come cheap. However, if you do a little research before paying the extra cash, there’s a possibility that you may get a good deal on the insurance quote even though you’re a high risk driver.

Affordable Car Insurance for High Risk or Bad Drivers

Cheap car insurance for high risk drivers is something that many people are looking for. The reason that people need such type of insurance is because they have been involved in some kind of road trouble. This is enough for any insurance company to label him/her as a bad or high risk driver, and this directly increases the rate of the insurance. However, there are many ways by which the price can be lowered.

Drive Well
The best way to reduce the high price rate is to ensure that the risk is reduced. Take a look back at what went wrong; may be you didn’t have car insurance when you got into trouble, may be you were caught by the cops under the influence of alcohol or drugs or you broke traffic laws.

Consider Getting the Minimum Auto Insurance Coverage
If you really want to save money on car insurance, consider getting the minimum insurance coverage in your location. You can go for the 3rd party car insurance for liability purposes; this means that if you get involved in an accident and are responsible for its cause, your insurance will be able to reimburse the other party for the damages it has caused.

Comparison of Insurance Quotes
If you want the best deal on a less price, you really have to make sure to check out all the car insurance companies in the market and see which one offers the best deal. The best way to do that is to go online and see the various quotes provided for risky drivers. Just go on the website and fill in all the required details which helps you calculate the risk. If you are at a higher risk, then the quote could be higher but this also depends upon the company.

Inquire About Discounts
Most car insurance companies provide discounts so that they can allow their customers to get maximum savings on their policy. However, many people don’t bother about these discounts and end up paying more money. So it is necessary that you always ask about available discount schemes and get eligible to additional savings. Taking up discount offers can make expensive insurance policies affordable.

It should be noted that not all bad car drivers can get car insurance at a cheaper rate. If you have a history of irresponsible driving then be sure that the insurer will make you pay more for the policy. Getting inexpensive car insurance is all up to you in the end. Be a responsible citizen of the country and obey the driving laws so that you can get a good car insurance policy at a cheap rate.

Tips on Choosing the Right Car Mechanics

We hear it all the time: “Where can I find a good car mechanic?” In the past, word of mouth was probably the best way to find an auto repair shop that would do the job right and charge a fair price. But now, a good mechanic might be only a few mouse clicks or touchscreen taps away.

Crowdsourced review sites have greatly simplified the search. Here are a few tips on how to work these sites to find a good car mechanic in your area. Keep in mind that this isn’t an exact science. Sometimes a highly rated shop might disappoint, but at least you can tilt the odds in your favor.

Angie’s List
Angie’s List prides itself on having a thorough vetting process for its reviews, which cover everything from automotive listings to home repair and even wedding planning. In a search we did for our area, Angie’s List provided a number of repair shops nearby, but we found the volume of reviews lacking when compared to Yelp. For example, one repair shop we used for the Lexus had just one review on Angie’s List, and it was from 2008. The same shop had 22 reviews on Yelp, with the most recent one being less than a month old.

The small number of reviews on Angie’s List can be both a good and a bad thing. On one hand, the chance of a falsified review drops considerably, since the site requires a paid membership to access the site and post a review. But at the same time, it is hard to get a feel for a shop that has very little feedback.

Google
Google’s enormous database will yield the greatest number of search results, but they may require some extra filtering to be useful. Type “auto repair near (your ZIP code)” into the search field. Ignore the sponsored ads at the top of the page. The repair shops will appear about halfway down the page, with their address to the right of their listing. Google has its own review and scoring system. Approach these as you would Yelp reviews.

Edmunds Dealership Directory
We have dealer locator for those in search of a dealership service facility. The Edmunds moderators closely monitor the reviews for misleading postings.

Other Sources
Yellowpages.com and Citysearch.com are two other sources. The reviews on these sites are spotty in terms of quantity, and we haven’t had the chance to use them that much. Still, the sites can be useful for those who want to research a shop thoroughly.

Message Boards
Enthusiast message boards dedicated to a particular car make and model often have forum threads where members discuss their local dealerships or independent repair shops. Forum members chime in and give their experiences or recommendations. Apply the same filtering that you use with Yelp reviews: Look for patterns of excellence or disappointment.

A Final Tip
Despite how far crowdsourced reviews have come, an old-fashioned word-of-mouth recommendation from someone you trust can often be the most effective tool. Ask your friends and family who takes care of their cars and you may just find your new mechanic.