Top 10 Mistakes when Buying a Car Seat

There is no doubt that a good quality car seat is one of the most important purchases the parent of an infant or toddler can make. A properly installed car seat can be a real life saver in a crash. In addition, a car seat can keep the baby comfortable and happy on those long road trips.

Unfortunately, there are some common mistakes parents make when buying these important safety items. Listed below are some of the most frequently seen mistakes made when buying and installing a car seat.

1. Buying a car seat that is difficult to install - Proper installation is the most important part of buying a good car seat. Inspections of car seats reveal that the majority of car seats are installed improperly. Car seats that come with incomplete or poorly worded instructions, or those that are overly complicated to install, can be dangerous.

2. Buying a car seat that does not properly fit your vehicle. Most car seats are designed to fit most models of newer cars, but owners of older or more exotic cars may have problems fitting car seats properly. If you are unsure if the seat you chose will fit your car, be sure to check with the auto dealer.

3. Not looking for the seal of the Federal Motor Vehicle Safety Standard. Parents should only buy car seats that meet or exceed this federal standard.

4. Buying a car seat that is too small for your baby - All car seats carry a maximum height and weight rating. Be sure to buy a car seat that provide room to grow.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

5. Choosing a car seat that is not compatible with your car's seat belt. Not all car seats are compatible with all styles of seat belts. If you are unsure what type of car seat you need, be sure to consult with the manufacturer.

6. Not ensuring that the car seat fits the baby properly. Particularly with larger car seats, a small baby could accidentally slip out of the seat. It is important that infants one year of age and younger ride only in a rear facing car seat. Only after the baby is older than one year and weighs between 20 or 40 pounds should he or she be switched to a front facing seat.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

7. Not checking for safety recalls. There are a number of safety recalls on car seats every year, and it is important to check for recalls on the model car seat you are considering.

8. Not choosing the fabric carefully - It is important to choose a fabric that is machine washable. In addition, a cloth upholstered seat is often more comfortable for the baby.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

9. Not buying a car seat as part of a travel system - It is possible to buy a car seat that is part of a three part travel system. That means that the car seat, infant carrier and stroller are all integrated into one handy unit. This combination is often a more convenient and cost effective solution than buying the items separately.

10. Buying a car seat that is poorly made - Poor construction may be the biggest problem with some car seats. Be sure to check the quality of the car seat, watching especially for any sharp edges or loose parts.

Linda, mother of two is an inspired author of the http://www.baby-strollers-guide.com and the http://www.baby-product-guides.com

Things To Consider When Buying A Car Seat

As a parent one of the most important things you have to buy for your child is a car seat. Important in this case meaning it has to be safe and fit the type of car you have. Most car seats today will fit almost all the newer model cars but if you are driving an older vehicle it may not be the case. Regardless if you are to drive with your child in a car, it is the law that the child is in a car seat.

Most of the things you purchase for your child can actually be bought used which is great when it comes to saving you money but unfortunately most people will tell you that the car seat should be the one thing to buy brand new. The reason for this is that you can never know if something has ever happened to that seat and the smallest crack in it can be very dangerous if you are in an accident as well as any damage to the belts.

Before actually buying a car seat there are things you should know to look for and be aware of, you do not just go out and buy one for looks. The purpose of a car seat is to keep your precious child safe in an accident which may otherwise be deadly. A car seat is not a fashion statement; it is about saving your child's life.

Here are some ideas on what to be aware of and look for as you go to find a safe car seat. Remember it is all about safety, not vanity. Proper installation is the most important part of buying a good car seat. Inspections of car seats reveal that the majority of car seats are installed improperly. Car seats which come with bad instructions and that are to complicated to install can be very dangerous.

Do not buy a car seat that does not properly fit your vehicle. Especially if you have an older model car and are uncertain if the car seat will fit your car, be sure to check with the auto dealer.

Make sure to look for the seal of the Federal Motor Vehicle Safety Standard. Parents should only buy car seats that meet or exceed this federal standard.

Do not buy a car seat that is too small for your child, give him room to grow. All seats carry a rating for maximum height and weight.

Not all car seats are compatible with all styles of seat belts. If you are unsure what type of car seat you need, be sure to consult with the manufacturer.

There are a number of safety recalls on car seats every year, and it is important to check for recalls on the model car seat you are considering.

Watch the quality of the car seat, check for lose parts and sharp edges.

David Crowton is an established expert copywriter. He is known for doing in-depth research before writing his articles.

http://www.Ispjv.com http://www.Submitcontent.com

Copyright 2005 http://www.ParentingContent.com

Cost of Buying a New Car

One of life's joys is buying a new car. The excitement of looking through those glossy brochures, choosing the brand, model, colour, plus the features is incredible. Ask most men and I'm sure they'll tell you it's one of the things they enjoy most in the world. And these days, with women reported to be involved in over 80% of all new car purchases, women are getting hooked fast on the pleasure of buying a new car. However, if there is one thing that can detract from the enjoyment of buying a new car, it is the finances of the whole deal. This is not just speaking about the price of the new car, although this can be considerable. There is also the issue of all the hidden, and not so hidden extras that you have to pay for. For example, before you finalise the price of the car, you have to find out what features come as standard, and if you want to have any additional features, be they for safety, power, style or any other reason, you have to make sure that you calculate the extra cost of them into the price of the car.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Then, added to this is the delivery cost if there is one. Plus any other hidden dealer fees for whatever reason. Then you have to deal with financing charges. You may be one of the lucky people who can pay outright for their car, but most people will be using some style of financial product to cover the purchase price of the car. Either they'll be leasing it from the dealer, or they'll be relying on the dealer's financing offers, or maybe you will have arranged a separate loan from your bank or other lender. Frequently there will be associated costs with the financing package and they should not be overlooked when calculating the cost of the car.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Add to this the cost of road tax. Road tax is calculated based on the size of the engine of the car. Then you will also need insurance. You should make sure you shop around and get the best possible price for your car insurance. You can choose between different levels of coverage depending on whether you want your own car to be covered or just third parties.

By the time you have added all of these extra expenses on to the purchase price of the vehicle you will be closer to knowing the true cost of the car. Make sure you can afford this figure and your car buying experience will be far more enjoyable.

Joseph Kenny writes for the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk. Select Loans have information and links to certain suppliers in the car loans section of the site.

Buying a Car the Easy Way

Getting a new car is sometimes as tricky as trying to learn to drive. First you would have to deal with the sales people who only care about disposing a car to get their commissions. Then you would also have to make sure that the car you have is not in a bad condition. At least when you learn to drive, you can just run over something and say that you are just learning to drive and the problems all over.

Here are some tips that you may want to think about to help you keep one step ahead of the sales person:

1. Keep your cool, don't act excited and have little know how. If they see that you are too excited to buy a car, you are in no mood to discuss other things. They will add some additional costs that you might not see because of your eagerness.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

2. Don't give cash deposit unless the car you want is in the car lot.

3. Try to avoid signing a purchase contract until you've seen the car or have test driven it. Also try to see the vehicle identification numbers in the purchase quote.

4. Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

5. If you are new at buying cars, don't get intimidated.Have a firm goal.

6. Try to get a price quote from Edmunds.com, Forddirect.com and carsdirect.com before going to a car dealer. This can be very beneficial because you'll know if the car dealer is just fooling you about his price or you can even bargain by saying that another dealer offers something lower.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

7. Try not to talk about the monthly payments needed to be made. Instead just talk about the final price. Avoid this because they will lower the monthly payments but the actual cost will be increased.

8. If you are given low or zero interest there will be something else they take from you. Like they say, there is nothing free. They will lower the interest rates but they will add up lots of cost. You can only get low or zero interest rates if you are bale to get this from the factory and have amazing credit reports.

9. Don't be stressed out over your car lease.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Useful Tips On Buying A New Or Used Car

Buying A New Car: A new car is second only to a home as the most expensive purchase many consumers make. That's why it's important to know how to make a smart deal. Think about what car model and options you want and how much you're willing to spend. Do some research. You'll be less likely to feel pressured into making a hasty or expensive decision at the showroom and more likely to get a better deal.Consider these suggestions:

Check publications at a library or bookshop, or on the Internet that discuss new car features and prices. These may provide information on the dealer's costs for specific models and options.

Shop around to get the best possible price by comparing models and prices in ads and at dealer showrooms. You also may want to contact car-buying services and broker-buying services to make comparisons.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

Plan to negotiate on price. Dealers may be willing to bargain on their profit margin. Usually, this is the difference between the manufacturer's suggested retail price (MSRP) and the invoice price. Because the price is a factor in the dealer's calculations regardless of whether you pay cash or finance your car — and also affects your monthly payments — negotiating the price can save you money.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Consider ordering your new car if you don't see what you want on the dealer's lot. This may involve a delay, but cars on the lot may have options you don't want — and that can raise the price. However, dealers often want to sell their current inventory quickly, so you may be able to negotiate a good deal if an in-stock car meets your needs.

Trading in Your Old Car: Discuss the possibility of a trade-in only after you've negotiated the best possible price for your new car and after you've researched the value of your old car. Check the library for reference books or magazines that can tell you how much it is worth. This information may help you get a better price from the dealer. Though it may take longer to sell your car yourself, you generally will get more money than if you trade it in.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Buying A Used Car: Before you start shopping for a used car, do some homework. It may save you serious money. Consider driving habits, what the car will be used for, and your budget. Research models, options, costs, repair records, safety tests, and mileage through libraries, book stores, and web sites.

Before you buy a used car whether from a dealer or an individual: Examine the car using an inspection checklist. You can find checklists in magazines and books and on Internet sites that deal with used cars; Test drive the car under varied road conditions—on hills, highways, and in stop-and-go-traffic; Ask for the car's maintenance record from the owner, dealer, or repair shop; Hire a mechanic to inspect the car. Paying for the car: Most people do not realise that they have capital locked up in their property which could be used for buying that special car of their dreams.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

Release the capital tied up in your home with a home owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, new car, home improvements, pay of store card or credit card debt and debt consolidation.

Home owner loans are available for practically any reason. One of the most common types of home owner loans on offer are debt consolidation loans where the objective is to reduce monthly outgoings to a more manageable amount. A UK Home Owner Loan is great if you want to raise a large amount; are having problems getting an unsecured loan; or have a poor credit history. Many lenders look more favourably on people who are home owners as this demonstrates a commitment to repay a large amount of money over a long period.

A UK Home Owner Loan is a cheap, low cost, loan secured on your UK home. It frees up the equity in your home for you to use on whatever you want.

You may freely reprint this article provided the author's biography remains intact:

John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.

Car Finance Places You On The Top Gear While Buying A Car

Fast car on open roads. It is a perfect picture for any car enthusiast. But you have to go to your work and also drop your kids to school. This is the real picture for most of us. We need to save time when we don't have any. A typical individual has so many odd jobs to complete that a car can, without doubt, facilitate their accomplishment. Financing your car doesn't fit your idea of the way of buying your car; then probably you are still stuck with traditional car buying methods. Shed your inhibitions with regard for car financing because it undoubtedly keeps in mind your financial caliber before furnishing you with a car finance loan.

Car financing has taken a new spin with regard to providing investment for buying a car. So, how do you finance a car? If this question leaves you baffled, then you have to go a long way in the process of buying a car. The term ‘financing' in relation to buying a car connotes either rendering loan to buy the car or lease the car to you. You are probably concentrating on the former meaning. Many people are in favour of talking car finance from dealership for it seems like a convenient option. It seems easy; you select a car, fill out a credit application, and drive away with your car - all in a day's work. Car finance through dealership will give you car finance on weekends and even at nights when other banks and credit unions are closed.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

Seems convenient, isn't it? But there is a catch. The dealer will be certainly charging you more for your car finance. Usually car buyers are overcharged by 3% on their car finance. A great number of complaints about car financing are related to dealers. 0% APR is not only attractive but lures the buyers to acquire up car finance not meditating if it is feasible for them. There are very few people who can actually get a 0% APR. Thus car finance deals usually fall midway thereby making car finance experience an extremely distressing one. You are buying a new car and probably for the first time, you certainly want it to compliment your enthusiasm. There are few elementary things that need to be kept in mind before taking that crucial primeval step in car buying.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

First and foremost in car buying and financing is checking your credit score before you apply for a car loan. Many people are unaware of the fact that they even have a credit score. You can expediently check your credit score online. So, if you have bad credit history then probably you will be paying more interest rate for your car finance. If your credit score drops below 550, then probably apply for new car finance is not such a good idea. First repair you credit score. Repairing credit score requires little effort, helps you repay your debt and retain your credit report. Online car finance companies can get you car finance loan even if your credit score is lower than required. Your car finance loan can get approved in minutes. Online car finance companies have revolutionized car finance procedure. With lowest online car finance rates, no application fees, or down payments car finance companies provide a formidable competition to car dealers. Car finance companies have set a standard for providing car finance that is worth opting for.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

70% of cars are obtained by some kind of financing. You can even finance a used car. The process is as effortless and undemanding as financing a new car. The essence to finding the right car finance is doing to research about your kind of car. Knowledge is power; you must be awake to this age old logic. When so much information frequently exists, then why not make use of it. Find out how much your car costs by comparing rates with local dealers. Very decisive, is cognizing how much, you can afford. Calculate, you monthly income and deduct your usual monthly expenditure to find out how much you can afford on a monthly basis. Compute carefully, otherwise you will find difficulty in repaying your car finance loan. And you definitely don't want to fool around with your repayment plan because a lot is at stake. You can seek free advice for your own car finance online through credit unions and loan institutions.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

You are a car enthusiast, a car consumer, a just a person who needs a car you ought to drive the best car. And why not drive the best car, when you have access to the best car finance plans. Car financing is a transparent route that leads you to become a car owner. Car finance loans are usually short term loans ranging from 36 to 72 months. Shorter loan term imply, lower interest rates and will prove to be cheaper. You have been working hard to select the car you want; there is a fairly good chance that you would not have to work so hard for car finance. So, sit back relax and enjoy the ride.

After having herself gone through the ordeal of loan borrowing, Natasha Anderson understands the need for good quality loan advice. Her articles endeavor to provide you the wise counsel in the most elementary way for the benefit of the readers. She hopes that this will help them to locate the loan that beseems their expectations. She works for the UK secured loan web site http://www.ukfinanceworld.co.uk.To find a Secured or unsecured loan that best suits your needs visit http://www.ukfinanceworld.co.uk

Buying a Used Car

Before getting your own car, it pays to do some homework. Think about what you need, what the car will be used for, and your budget. Look in books and online and think about repair costs, safety tests, mileage etc.

All this research can save you some serious money and help you avoid being ripped off.

Once you've chosen the car you want, you have to decide how you are going to pay for it. You can pay the whole amount upfront or you can finance the purchase over time. If you do use financing, you should be aware that this increases the total cost of the car as you must pay for the car plus the credit.

Once you have decided on how much you can put down, you can look at the annual percentage rate (APR) of the loan and the length of the loan and see how much your monthly payments will be.

Generally speaking, the shorter the term of the loan, the higher the APR. If you are in your teens, cosigning with your parents will help you to get a better rate. You may also want to think about paying in cash for a less expensive car.

Dealer or Private Sale?

This is an important decision to make. If you buy from a dealer you will generally pay more. But you will benefit from knowing that if there is a problem you can return to the dealer to complain. Many dealers offer warranties and guarantee the quality of the car.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

On the other hand, buying from an individual will offer less security as the car will generally be sold as is, which means you must bare the cost of any problems that later arise. You also cannot go back and complain to an individual if something they told you turns out to be untrue. That said, buying from an individual can often offer very good value.

First of all, they will not add a mark up on the price, which is what a dealer would do if he had bought it first. Also, if you bring along your own mechanic, or someone who knows about cars, you can have it checked out to make sure everything looks ok.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Before you buy the car, make sure you examine it with an inspection checklist. Get a good test drive over varied road conditions and be sure to get the car's maintenance record. It is also worth having the car inspected by a mechanic if you have serious concerns about it.

Finally, before you buy, make sure you are ready to meet all the associated costs of having the car. These include insurance, fuel, maintenance and repairs.

Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk. Select Loans have information and links to certain suppliers in the car loans section of the site.

Buying a New Car? Should You Finance Through a Dealership?

Financing an auto loan through a dealership is quick and convenient. The dealership may have a relationship with a specific lender, or operate a "buy here, pay here" business. However, financing through the dealership may not present the best financing package. Smart car buyers put forth great effort to receive the best price and a reasonable interest rate. This may require securing your own financing.

Pro's and Con's of Dealership Financing

New car buyers may be unaware of their options. You do not have to obtain financing through the car dealership. Of course, the dealership will never reveal this information to you. By using their lenders, the dealership has the power to increase the interest rate in order to boost their profit.

For example, if the lending institution re-submitted a quote with an interest rate of 5%, the dealership may charge 7%. The best way to avoid this common practice is to secure your own financing, or compare rates from other auto loan lenders.

Get Pre-Approved for an Auto Loan

Getting pre-approved for an auto loan has several advantages. For starters, you are able to get quotes from several lenders, and then compare these quotes with the dealership's offer. Moreover, a pre-approval will make the car buying experience quick and easy. You already know your qualifying amount, thus you will not be pressured into buying a car you cannot afford.

How to Compare Lenders for an Auto Loan

Many car buyers avoid comparing rates and fees because they do not want to submit applications to several lenders. However, there is a way to obtain multiple rates without contacting each individual lender. Online auto loan brokers are the quickest and simplest way to receive multiple offers from various lenders.

Brokers work directly with hundreds of lenders. Upon submitting an application through a broker, your information will be forwarded to several lending institutions. These lenders will review your information and submit a quote. The broker will compile all quotes and remit this information for you to review. You should carefully compare quotes, and choose the lender that offers the best rate and terms. In some instances, the dealership may offer the best financing.

Here are our Recommended Car Loan Companies Online.

Carrie Reeder is the owner of ABC Loan Guide, an informational website about various types of loans.

Buying A Car - What Is The Best Finance?

Your car is one of the most expensive purchases you will ever make. Probably the only thing you will buy that costs more than your car is your house. You wouldn't just accept the first mortgage you came across, and likewise you shouldn't just accept the first vehicle financing option that comes your way. You will have a lot of options in how to finance your car. You can buy the car outright. If you would like to opt for this, you will need to borrow the cash in the form of a bank loan.

This should generally be medium term, over period of about two to five years. It is generally not advised that you secure borrowing over your home but this may be necessary in order to get the loan or in order to get a better rate. Shop around for the best rate, from banks, other lenders and also on the internet. Rates will vary widely so it is a good idea to shop around as much as possible.

Leasing

If buying the car outright in this manner is not an option, you may wish to consider leasing the car. Leasing will never make you the owner of the car. You pay a monthly fee, every month for the period of the lease, and at the end of this period, you give back the car and walk away. Leases have a number of advantages over buying the vehicle. The payments are generally lower as you are not paying for the entire value, just for the price of leasing it.

You also don't have to worry about selling the car when the leasing period is over, as the dealer owns it. Leases may also include a buying option at the end of the period, which will allow you to buy the car if you want to. The one thing to be careful about when leasing is that there may be heavy penalties for early termination.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Some Advantages

The other popular type of vehicle financing is dealership financing. With this option, the car dealer arranges the car financing. They will sometimes offer very attractive rates as they want to encourage people to buy the cars, however, sometimes their rates are extremely bad and you will want to be familiar with what's available from alternative sources before opting for dealership financing. Some advantages of dealership financing will include convenience, multiple options, and special offers on selected models.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Joseph Kenny is the webmaster of the loan information sites http://www.selectloans.co.uk/ and also http://www.ukpersonalloanstore.co.uk. Select Loans have information and links to certain suppliers in the car loans section of the site.

Which Loan Is Best When Buying A New Car?

Lenders understand that when buying a new or used car, getting the best interest rate for car loans can make a big difference to the amount you end up paying for the vehicle. There are basically two types of loans available; secured and unsecured car loans. If you are a homeowner, whether you own your home outright or are repaying a mortgage, you can apply for a secured loan. This means that you use your home as collateral or insurance for the loan and will generally enjoy lower interest rates than if you don't use your home as security. You'll also find that your loan will be approved faster and even though processing can take a little longer than for unsecured loans, the money you save on the lower rates is well worth it in the end. Just make sure that you are confident that you can keep up with the agreed monthly repayments because if you don't, you could be at risk of losing your home through repossession. Unsecured car loans are so called because the lender doesn't require any security for the debt. But in return for you not putting your home on the line you pay higher interest rates. Even though the lender is taking more of a risk, it is highly likely that if you don't repay the money borrowed, the lending company will take you to court and you could still lose your home. So make sure your monthly budget can comfortably afford the repayments. If you want low cost car loans then a good place to start is by comparing the APR from different lending companies. Because lenders quote interest rates in different ways it can be confusing so it is worth making sure you understand what you're being quoted so that you can choose the best deal. You will also find that some offer fixed rates (these are interest rates that remain fixed throughout the term of the loan, regardless of fluctuations in the bank base rate - your monthly repayments will remain constant for the term of the loan) and variable interest rates (these rise and fall with the bank base rate so you could find that your monthly payments go up and down during the term of the loan). Loan companies also offer typical interest rates as an indication of the rate you are likely to be offered but this can vary depending on your specific circumstances. These include the amount you want to borrow, whether or not you want secured or unsecured car loans and in the case of unsecured loans, your credit history and personal assessment by the lender. Loans are generally repayable on a monthly basis and the term of payment is agreed when the loan is taken out. Although a low interest rate is a good indication of a cheap loan, you should always make sure that you are aware of any additional costs, for example an early redemption penalty. This is the charge levied by the lender should you wish to repay the loan in full before the agreed term has run its course. This could be up to two months interest. If you think you may wish to pay off the loan before the end of the term then it may be wiser and cheaper for you to go for car loans with no early settlement costs even if you pay a slightly higher interest rate. For more information on the best loan for you and a competitive comparison of car loans and interest rates from leading lenders, all you need to do is approach a loans broker or loans comparison website, as they are not necessarily tied to one deal.

No Credit Car Loans - Buying Options for People with No Credit History

Occasionally, having no credit history can be as bad as having a poor credit history. Before granting credit, lenders need to gauge an applicant's creditworthiness. If you have no previous creditors, a prospective lender may consider you a high risk and either deny a credit application or offer a high interest rate. This applies to credit cards and automobile loans. Fortunately, there are many options available to those hoping to obtain a vehicle loan with no credit history.

Bad Credit and No Credit Auto Lenders

Automobile loans are different from other types of credit. If you have bad credit or no credit history, getting a credit card or personal loan is challenging. For the most part, these types of credits are unsecured. Hence, the creditor suffers a loss if you are unable to repay the money.

On the other hand, automobile loans are secured. Thus, some lenders specialize in bad credit or no credit car loans. In fact, auto loans are ideal for establishing credit or rebuilding credit. Unfortunately, if you have never financed a car, some lenders may charge higher fees. Here are a few tips to help you get a low rate auto loan.

Establish Credit before Applying for Auto Loan

The easiest way to get a low rate on an auto loan is to establish credit before applying. In some instances, lenders prefer applicants who have previously financed a vehicle. If you repaid a previous car loan, or maintained regular payments, lenders consider this a good sign. Hence, you may qualify for a low rate.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

If you have a superb credit rating, you may qualify for super low advertised rates. Establishing a good credit history is easy. Within six months of opening a new account and making regular on-time payments, your credit score will soar.

Use a Co-signer When Applying for Auto Loan

An additional approach involves obtaining a vehicle loan with a co-debtor. If you are married, your spouse may act as a co-debtor. Moreover, young adults trying to get an auto loan may have a parent co-sign for the loan. To qualify for a low rate, the co-debtor must have good credit.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

View our recommended Poor Credit Car Loan lenders or view all of our Recommended Auto Finance Lenders Online.

Low Interest Rate New Car Loan - Tips for a Smooth Car Buying Experience

The car buying process varies for each person. If you have purchased or financed several vehicles, you likely know several tricks and techniques for securing a good deal. On the other hand, if you have never bought a new or used vehicle, you may fall victim to dealership scams. Here are a few tips to help make the car buying experience easier.

How Much Do You Want to Pay?

Before entering a showroom or dealership, do your research. What types of car do you want to buy? How much are you willing to pay monthly? Walking into a dealership blindly is a bad move. Car salesmen are very clever. Additionally, they have several tactics for convincing car buyers to purchase a vehicle they cannot afford.

To avoid overspending, research various cars and their prices. Take advantage of auto loan calculators. These provide a rough estimate of future car payments. When negotiating with a salesperson, let them know upfront how much you are willing to spend on monthly payments.

Check Your Credit Report Beforehand

When determining an interest rate for a new vehicle, finance companies will review your credit report. Prior to applying for a loan, obtain a copy of your personal report. This way, you have an idea of the interest rate you qualify for. Moreover, credit reports will reveal credit problems and inaccuracies that may hinder you from obtaining a low rate. If problems are present, fix credit blemishes before applying for a car loan.

In some instances, you may improve your credit by simply paying current creditors on time and reducing debt to income ratio. If possible, delay financing a vehicle until your credit score improves.

Get Pre-Approved for an Auto Loan

Dealership financing is offered. However, to get the best rate possible, you should obtain quotes from at least three auto loan lenders. If you are looking to speed up the process, consider getting pre-approved for an auto loan.
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A pre-approval involves completing a loan application and providing necessary documentations. The lender will approve you for a specific amount. This is ideal because you avoid overspending. In most cases, lenders approve you for an amount that fits comfortably into your budget.

View our recommended New Car Loan lenders.

Carrie Reeder owns ABC Loan Guide, an online resource with information about Bad Credit Mortgage lenders and Mortgage Brokers Online.

Instant Car Loans – Making the Car Buying Process Simple

Because of instant approval car loans, many people are enjoying a hassle-free car buying experience. Purchasing a new or used vehicle is a time of excitement and frustration. Pushy salesmen and dealerships have a habit of taking advantage of unsuspecting buyers. Additionally, the temptation to buy more than you can afford is a common problem. However, securing financing before entering a dealership showroom is a great way to take the hassle out of buying a car

Understanding Instant Car Loan Basics

New car buyers and those unfamiliar with car buying tactics may pay sticker price for a vehicle and accept dealership financing without shopping around. Unfortunately, dealerships prey on buyers of this sort. Prior to buying a car, it is essential to shop around and compare offers from various lenders. To avoid a dealership scam, you may consider getting approved for an auto loan before beginning your search.

The internet is loaded with auto loan lenders offering instant approval loans. With instant approvals, you receive a response immediately. The applications are easy to understand. Simply input basic information such as income, employer, desire amount, etc. Instant approvals work two ways. The lender may either approve a stated loan amount, or determine an affordable loan amount based on your income and debts.

How to Find a Lender that Offers Instant Approvals?

Various online auto lenders offer instant approvals. However, if you are hoping to compare several instant approval offers, use an auto loan broker. This is the easiest and simplest way to shop around for the best auto loan offer. Brokers are recognized for supplying multiple offers. Savvy shoppers know the benefits of this feature.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

By obtaining multiple offers, you are able to compare auto loan rates, terms, and services. Choosing the loan offer with the lowest rate will lower your car payment. Even if the dealership offers you a finance package, before accepting their offer, complete an online quote request. Dealerships tend to adjust auto loan rates to benefit their bottom line.

Completing the Car Loan Paperwork

After receiving the instant approval quotes, the next step involves choosing the auto loan lender with the best offer. If using a broker, you are obligated to complete an official loan application with the lender. Upon approval, the lender will deliver a check to you. Once you decide on a car, and negotiate a sales price, you simply sign the check over to the dealership, which completes the transaction.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

View our recommended instant car loan lenders online.

Also, go to Abc Loan Guide to order a credit report online, and view our recommended online debt reduction programs.

Buying a Car with Bad Credit – Where to Find a Good Lender

The best car loan lenders for those with bad credit can be found online. Relying on dealership financing will only lead you to higher rates and fees with limited options. By getting pre-approved for your car loan, you can shop anywhere for your new car. Even better, you save money on competitive rates.

Dealing With Bad Credit When Looking For A Car Loan

Bad credit will affect your options when looking for a car loan. With a score lower than 650, expect to pay a couple of points higher than "A" rated, prime car loans. The lower your score, the higher your rates.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

To offset the risk of your credit history and qualify for better rates, you can increase your down payment. A co-signer with an excellent credit score will also get you a lower rate.

But if you do decide on subprime financing, make sure you have the option to refinance with no fees. So when your credit score improves, you can lower your rates and your monthly payments.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

Sifting Through Car Loan Lenders

Searching online for your car loan lender will let you skip the trap of dealership financing, which can cost you thousands. Online, you have hundreds of options.

To make your search easy, start with recommended lenders. You can also work with a broker, who will give you multiple quotes from competing lenders. Often broker sites have special financing deals and incentives that can't be found on the individual lender's site.

When looking at lenders, ask for a personalized quote. Based on your general information, lenders will give you the total cost of the loan as the APR. To get a real idea of who has the best deal, compare the same loan amount and terms for each lender.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Sealing The Deal

Once you have selected a lender, you can complete the loan application in minutes online. A blank check and loan contract will be sent to you in one to two business days. You then take that check with you when you go car shopping.

The check is treated like cash at a dealership, improving your negotiating position. It also gives you the freedom to buy a car from a private individual, providing you with more choices.

With poor credit, you can get the lowest rates with the most options by searching for your lender online.

Carrie Reeder is the owner of http://www.abcloanguide.com. Visit her site to find recommended lenders for bad credit auto loans.

View her recommended lenders for bad credit auto loans online. Also, view her recommended sources for a free personal credit report.

A Low Cost Car Loan Will Help you in Buying Your Dream Car

Are you really fed up with your old car? Do you want to purchase a new car fitted with the latest technology? There are a variety of cars available in the market with eye-catching models and aerodynamic body frames. Some cars have electronic steering systems while some have power window. There are some models fitted with computers that guide you while driving and show you the correct path to your destination. So, if you want to buy any of these cars and you are running short of money availing a LOW COST CAR LOAN is a wise decision.

There are two options available to you to get a Low Cost Car Loan. You can either go for a Secured Low Cost Car Loan or you can choose an Unsecured Low Cost Car Loan. If you choose a secured car loan you'll be charged with low interest rate. The APR percentage will be low. Also, the monthly installments will be small and the loan repayment period will be flexible according to your suitability.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

On the other hand, an unsecured car loan will have a bit higher rate of interest. The monthly installments will be bigger unlike in the case of secured loans. This is because an unsecured loan is granted without any collateral whereas a secured loan is provided against collateral. The creditor is at greater risk while providing an unsecured loan but in case of a secured loan the borrower takes more risk.

A low cost car loan, whether secured or unsecured, is one that provides the borrower with lowest possible interest rate in the market. It also allows the borrower to choose smaller monthly installments and long repayment tenure. Even in case of unsecured car loan there are a number of lenders in the market who provide competitive interest rates to the borrowers.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

With the advent of Internet and online shopping you can easily avail a low cost car loan via the Internet. This requires not much effort from your side, as you just have to fill up an online loan application form to apply for the loan. The lenders take responsibility of all the arrangements and formalities required in procuring the loan. So, if you need a low cost car loan don't wait anymore. Sit before your computer, find good creditor and fill up the form. Your loan is on its way to your bank account.

About The Author :The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Adverse-Credit-Car-Loans as a finance specialist.

For more information please visit:http://www.adverse-credit-car-loans.co.uk

Bad Credit Car Loans: Certainly Better Than Other Options Of Buying Car

In order to cater to the needs of special borrowers typically designed loans are made available by the modern lenders. A bad credit car loan is such kind of a loan. It is specially crafted for borrows whose credit score is less than perfect. Credit score varies from 300 to 850. If your credit score is below 600 then it is declared poor.

Previously a poor credit score was not acceptable in the loan market. Now a change in attitude has occurred and bad credit history has become an accepted reality. So, if you are looking for a car loan then do not be afraid of your bad credit score. You have specially crafted loan in the form of bad credit car loan to fulfil your needs. Your adverse credit record will not block the way of getting approval for this loan.

You can get approval for a bad credit car loan easily along with flexible terms if you can offer collateral. It is highly risky to take a loan by offering collateral. In case of default, the lender will seize the collateral. However, the perks and profits you can enjoy in return will justify the risk. Low rate, big amount, small repayment instalment, and an extended repayment period are the assurance of a secured bad credit car loan.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

An unsecured bad credit car loan is taken without offering collateral. It has also its share of benefits. It is risk free, and processed quickly because of less documentation. It also saves the amount of money spent on assessing the value of the collateral. The drawback is that it carries higher interest as it is risky for the lender. No matter in which way you take a bad credit car loan it will certainly be better than other means of buying a car.

The author is a business writer specializing in finance and credit products and has written authoritative articles on the finance industry. He has done his masters in Business Administration and is currently assisting Ecar-Loans as a finance specialist.

For more information please visit http://www.ecar-loans.co.uk

Buying a Car with a Home Equity Loan: An alternative to Bad Credit Car Loans?

Purchasing a Car with a Bad Credit Loan

If you have bad credit, the usual method for getting finance to buy a car is applying for a bad credit car loan. As stated at the beginning of this article it's somehow difficult to get finance with bad credit from car dealerships. Nevertheless, some car dealers may be able to provide you with finance but they will probably charge you very high interest rates.

Banks do not usually provide finance for people with bad credit but if your problem is that you don't have a credit history at all, starting a relationship with a bank can be a great solution. You can request a checking account and a savings account and then apply for a car loan with them.

Bad Credit Car Loans are provided mainly by financial institutions and high risk lenders specialized in this kind of loans. The interest rate charged for providing this type of loans is usually higher than regular loans but if you compare loan quotes you may find some interesting offers. Just make sure you credit report is not pulled too many times as this may lower your credit score. If you get declined, your credit report will also show this fact, so you might want to pull a copy of your credit report yourself and ask the lenders to pre-qualify you in order to avoid harmful records in your credit history.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Home Equity Loans as an alternative source of finance

Though it may sound strange, you can get finance for purchasing a car with a home equity loan. If you can't get a bad credit car loan and use the car as collateral you may be able to apply for a home equity loan using the equity you've build on your home as collateral. That way, you'll be able to obtain a considerable amount of money at a good interest rate that you can use for the purchase of your new car.

They main advantage of this procedure is the fact that you can have really bad credit and still get approved since your house is guaranteeing the loan. You'll also get a very competitive interest rate, much lower than the interest rate you would get with a bad credit car loan. And as a plus, the interest on home equity loans is deductible so you'll save plenty on taxes.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

As you can see, there is no need to despair if you have bad credit. There are always ways to obtain finance even if the usual methods fail. You just need to do your research and consider different options. The car of your dreams is just a few steps away.

Mary Wise, a professional consultant with twenty years in the financial field, helps people in the process of securing personal loans, mortgage, refinance or consolidation loans and preventing consumers from falling into the hands of fraudulent lenders. You can visit her site and get aid for Car Loans regardless of your credit. If the link doesn't work, just copy badcreditloanservices.com and paste it in your browser's address bar.

Car Loan Financing - Buying vs. Leasing

Which option is better leasing or buying?

This is a common question amongst many car buyers. Depending on who you talk to, some people may feel that leasing a vehicle is the better option, especially if you enjoy driving a new car every couple of years. On the other hand, if you enjoy a car payment-free lifestyle, buying is without a doubt the better choice.

Difference between Leasing and Buying

There are significant differences between buying a new vehicle, and leasing one. When buying a car, the entire purchased priced is financed. With leasing, only a portion is financed. Thus, leasing offers lower monthly payments.

For example, let's say a particular vehicle is priced at $25,000. If leasing this vehicle for two years, the dealership will calculate the estimated value after 24 months, and leaser finances the difference. Thus, if the estimated value in 24 months is $15,000, the leaser will pay $10,000. On the other hand, if buying the same vehicle, the buyer will finance the entire $25,000.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

Advantages and Disadvantages of Buying New Car

There are advantages to choosing the buying option. For starters, at the conclusion of the loan term, you will own the vehicle. Secondly, because buyers own the car, they are able to paint or re-design the exterior. On the flip side, cars lose their worth. Unless buyers purchase with a down payment or accept a higher monthly payment, the car will not have any equity.

Pros and Cons of Leasing a Car

Leasing is ideal for person's who prefer lower monthly payments, and for individuals who like driving a different vehicle every couple of years. With leasing, you have the option of keeping the vehicle for 12 to 48 months. Once the lease term ends, buyers also have the option of purchasing the car at its current value. For more information about leasing or purchasing a vehicle see www.abcloanguide.com
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Of course, there is a downside to leasing. Leasing comes with strict driving rules. For example, drivers are allotted a certain number of miles - either 12,000 or 15,000 per year. If the leaser exceeds the mileage, there is a penalty. Furthermore, any damages to the vehicle must be repaired before the car is returned to the dealership.

Find out about the Best New Car Loans with the help of ABC Loan Guide. They have information on this topic, along with a list of companies who deal with Automobile Financing for people with good and bad credit.

Tips On How To Save When Buying Car Insurance

If you want to save money when you purchase your car insurance here are a few ways that can help you as you search for auto insurance.

First thing you can do is comparison shop. It cannot hurt to call around to see what other prices are out there. If the price is higher you know you are where you need to be and if you find a lower rate you always have the option to change. You can use information from Florida Department of Financial Services, or a similar department within your state, to help you decide. This Florida department can show you what types of coverage are out there and give you sample rates. You can do this for other states by using the National Association of Insurance commissioners web site. Armed with this information you can get quotes from a number of companies and find the best one for you.

Increasing deductibles is another way to lower your premium. A deductible is the portion of money you pay before the insurance company pays for damages or injuries. The higher your deductible is the less exposure the insurance company has, thus your premium will be lower. If you choose the highest deductible you can afford you may save hundreds of dollars over the term of your policy.

Dropping comprehensive and collision coverage on older cars is another way you can to save money on your insurance policy. This type of coverage protects your car if it is damaged or stolen. Usually it is the cash value of the vehicle at the time of a loss minus the deducible. On older vehicles the value is lowered already by depreciation. You need to take into consideration the premium you pay, the value of the vehicle and the deductible you have. You may be paying more for the coverage then the vehicle is worth. If there is a loan on the car, you may have to keep this coverage on the car until you pay off the loan. After the car loan is paid off it is your choice if to keep these types of coverage and at what levels.

Buying a more economical car may help reduce your insurance. Yes, driving that corvette is fun but if you want to save money maybe you can be driving something that is a little less expensive. Vehicles that are costly to fix or that have a higher chance to be stolen are generally higher priced as far as your insurance premium. There are reports that you can check to find out which cars are stolen more often. One of these types of reports is by The Highway Loss Data Institute. Parts and repair times also tend to me more costly on higher end vehicles. A vehicle that is easier to repair will save with labor costs thus help lower your premiums.

Some companies give discounts if you do not drive your car as much. If you live close to your job you may get discounts for this lower mileage usage. Some companies may also list the car as an "occasional use" vehicle based on the mileage, which can reduce your premiums.

Asking about which discounts are available is a great way of reducing your premium. Discounts are given for safety features such as airbags and anti-lock breaks. Anti theft systems can reduce costs as well. Owning a house, being married, driver training courses and having no tickets or accidents are all ways that may make it possible for you to be eligible for discounts. Getting a list of discounts from your company is a great way to reduce your costs.

Maintaining a good driving record is also a major determining factor on how much the premium will be. If you can maintain a safe driving record, one without violations and/or accidents, your rates will be lower then someone who is more reckless. Many companies give discounts if there are no violations on your driving record. This is due to the company potentially having less exposure insuring a driver with a clear driving record than the driver with multiple tickets and/or accidents.
Tip! People consider a secured car loan only for buying cars but the truth is that you can use the secured car loans to cater any of your expenses related to car. You can use the loan amount for engine upgrade, paint work, buying accessories such as music systems, interiors, power windows and power steering, repairs and any other modification for your existing car.

One final way to save on insurance is to keep your policy enforced. By making payments on time and keeping your policy intact you avoid extra late fees and you avoid costly tickets for not carrying the proper type of coverage that your state requires. You avoid possible a suspension of your driver's license and you also may be eligible for discounts for renewing your policy all by just keeping up with your premiums. Most companies will give renewal discounts as an incentive to stay with them and keep your policy valid and in good standing.

These are just some ways that you as a consumer may use to lower your insurance costs. Now get out there and start saving some money!

Visit http://www.carinsurance.com for Auto Insurance Rates.

James Diaz is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.

Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online... anytime!

Buying Car Insurance

Automobile insurance is an increasing expense for almost all Americans. We can't afford to have it, and we certainly can't afford to NOT have it. When researching car insurance companies and comparing policies, it is a good idea to follow these easy guidelines to get the most coverage for your insurance dollars.

Get discount car insurance quotes from as many carriers as you can. Automobile insurance rates may vary drastically depending on the model of your car and the type of coverage you need. Consider as high a deductible as you can reasonably afford, since higher deductibles translate into lower insurance premiums. Review quotes and policies carefully to make sure you are only paying for coverage you really need. If you have homeowner insurance, ask your agent if you are covered already for certain items you might be charged again for on your auto policy.

After you have gotten quotes from different car insurance carriers, it is usually a good idea to create a spreadsheet to help you avoid comparing apples to oranges. Set up a scenario with car repairs and medical expense to best compare the coverage differences under real-life situations.

Once you have chosen the two least expensive automobile insurance policies for the coverage you need, contact a reputable body shop in your area for a referral. Automobile body shops deal with insurance companies every day, and you want to make sure the company you send your premiums to each month will be responsive and fair if you have to make an insurance claim. The body shop probably has a good insider opinion on how the insurance company operates, how long it takes to get an adjuster to view the damaged vehicle, how long it takes to get paid on a claim, how fair the estimate was, were used parts requested versus brand new parts and so on.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

Trust me, a ten minute talk with a reputable body shop manager can reveal a lot of great information about an insurance company and how they tend to handle their claims. A few dollars difference in premium dollars to get coverage from a company that handles their claims properly may save you a world of hassle in the event of an automobile accident.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Austin Davis is a consumer advocate committed to helping you with car insurance Houston and car insurance NJ needs. We have the Cheapest Car Insurance anywhere.

Buying Car Insurance Online: the Sign of Things to Come

Although we all dislike paying for it when the time comes around, car insurance is a necessity and has been a legal requirement for all drivers for many years now. However, due to the large number of companies now offering vehicle insurance, paying over the odds shouldn't be the case, and finding a deal to suit you shouldn't be a problem. In this brief guide we aim to provide an insight into the types of insurance, buying car insurance online, and important factors to remember when comparing insurance quotes online.

Types of Insurance

There are three main types of vehicle insurance, all of which differ in what they cover and as a result what it costs to insure. We will briefly go through each type:

'Third Party Only' Insurance:

This type of insurance covers the policyholder against damage to either a third party or a third party's property. So, for example, if you were to damage a vehicle and injure the occupant(s) of that vehicle, your insurance would cover you against the costs to repair the vehicle and any medical claims made by the occupant(s) in either vehicle involved in the accident other than you. What this type of insurance will not do is cover you for any expenses towards your own vehicle, nor any medical claims made by yourself. Nor will you be covered in the circumstance that your vehicle is stolen or set on fire.

'Third Party Fire and Theft' Insurance:

This insurance policy is exactly the same as described in 'Third Party Only' above, with one exception. Should your vehicle be stolen or set on fire then you would be covered under this policy.

'Fully Comprehensive' Insurance:

A 'Fully Comprehensive' insurance cover will pay out in circumstances outlined in the above two policies, and will also pay for damage to your own vehicle, regardless of who was at fault for the damage.

Insurance Online

Using websites to browse and choose a provider is a great way to buy insurance and is certainly here to stay, and here's a few reasons why.

There was once a time when phoning around insurance companies would be very time consuming and would have to be conducted during office hours or in a rush after work or during work breaks. However, the internet is available at all hours of the day, everyday, all year. This allows you to browse through various websites to read up on their insurance offers, determine which is the most suitable for you in your own time in terms of insurance cover and cost, and to complete an online form in a matter of minutes.
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There is also a conception that the internet is an unsafe place to use credit card information, although the encryption provided by companies accepting credit cards means that it can be argued that it is safer than giving details out over the phone.

Furthermore, the good news is that many companies now offer incentives to use their online service as opposed to their telephone service, and often provide discounts due to the decreased human resource time needed per sale. The wide range of insurance companies available on the internet is also good news, as it means that the competition to offer the best premiums is strong, ultimately saving you money.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Important factors to remember when comparing insurance quotes online

When comparing insurance quotes online, it is very important to compare a like-to-like quote and not two totally different ones, an extreme case would be comparing an insurance quote for a car under 'Third Party Only' insurance against 'Fully Comprehensive'.

Thanks to the internet, comparing quotes is now easier than it ever has been. Ensure though, that you evaluate each quote to determine which represents best value for money. Consider the likelihood that cheapest is not always the best, and may be full of qualifications, heavy excess fees, and exclusions.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

One recommendation is to shop around first. Why not browse a few websites to read up on the range of offers currently available before deciding on one that's right for you, you may end up saving your self a lot of money.

Justin Brown is the owner of the site http://www.idealauto.co.uk where you can buy and sell any new or used vehicle online, and also find information on car insurance and search for used cars in the UK.

Budget Car Insurance – Car Insurance Buying Tips

Car insurance is an integral part of the insurance budget. There are a lot of variables that cause the rates to increase or decrease. Some of these variables cannot be controlled by the insured but there are some things the insurance buyer can do to keep their policy reasonable without losing a lot in protection.

What Are Your Assets? - Do you own a home? Do you have several vehicles? Do you own a business? Do you rent an apartment? Your strength in assets is a factor when selecting your liability limits. If you accidentally injure or kill someone in an automobile accident and you carry low liability limits on your car policy then your assets are next in line to be used to pay for the damages.

The Age of the Vehicles - Newer vehicles usually require physical damage coverage by the lender. Older vehicles with a lot of miles sometimes do not warrant physical damage. Physical damage rates can be adjusted up or down based on the deductible you choose.

The Age of The Drivers - Adult rates, senior adult rates, and rates for young drivers make a huge difference in the overall rate. Young drivers on vehicles with physical damage coverage can be very costly.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

What are the Discounts? - There are a number of discounts on car policies. The multi-policy discount is given by insurance companies for purchasing both auto and home insurance. Retirement discounts are available to the senior adult. Young drivers receive discounts for drivers training education. Some companies give good student discounts for young student drivers that maintain a 3.0 grade point average.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Full Tort or Limited Tort - Many states have a discount for selecting a limited tort option. Tort is your right to sue for pain and suffering damages over and above the basic liability settlement. This varies from state to state.

This is the overall picture what insurance companies use to determine your individual rate. You have a choice when it comes to liability, physical damage, and tort options. Ask plenty of questions about these three areas when purchasing car insurance.

View our Recommended Source for Insurance Quotes it is a simple site that offers low rate insurance quotes of all types. car insurance quotes home owners insurance

Buying A Car With A Bad Credit Record

People with a poor credit record are likely to have as much need for a car as anybody with a good credit record. However, if they want to buy a car, that bad credit blemish may make life difficult for them.

Regardless of whether it is your own fault or not, having a damaged credit record will affect the way your application is received if you want to buy a car through a loan. However, it is still possible to get a car loan, even if your credit record is not perfect.

In fact, you will find plenty of companies offering loans for any purpose, including car purchase, even for those people with bad credit. As you would expect, however, the worse your credit record is, the higher the interest rate is likely to be, and the fewer the options you are likely to have. Much will also depend on whether you own your own home or not. With a home of your own, in which you have a sufficient amount of equity, you stand a chance of getting a secured loan to buy a car. Such a loan would undoubtedly be cheaper than an unsecured or bad credit personal loan; however, your home would be at risk should you default on the loan, so that is certainly something to take into account.

As always with any spending decision when your finances are not healthy, it makes sense to seriously consider whether you really need a new car now, while your credit record is bad, or if you can wait until it has been restored to normal. If the poor record is fairly recent, that can be a bit of a long wait in the UK, though in some states of the US that is less of a problem.

In trying to assess if you really do need that new car, you have to take into account the fact that it is a depreciating asset; but then, that will apply to your new car too. What is perhaps more important is the age of your current car and the likelihood of extra car maintenance costs and repairs as time goes on. This is a dilemma most of has faced at one time or another: do we get the car repaired, and keep it going a few more years, or do we cut our losses and sell now, or trade in. Keeping a car going when it has seen much better days can be throwing good money after bad, so it may be that you do need a loan for a replacement car, regardless of your credit status.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Once you have made a decision to replace the car and to do so by getting a loan, then it is a good time to work out your monthly budget to ensure you are not going to slip behind with the payments again. try to allow plenty of scope for car maintenance, servicing and repair, as well as for fuel, road and vehicle taxes. To help you get back your good credit rating over time, then it is worth cutting back on your own expectations for a car; it may make sense to get something more modest and cheaper than you would ideally have liked.

When it is time to go out and get the actual loan, to buy the replacement car, just make sure you shop around. It is so easy to do online, and you will have many companies to choose from. To keep track, it is worthwhile printing out the relevant pages from the sites on your shortlist. Then, take the details away from the pc and quietly go through them and compare the options. You are more likely to take a detached view if you approach your decision that way, rather than just staying online and hitting the send button impulsively.

This debt bad credit car loan article was written by Roy Thomsitt, owner author of the Eliminate Credit Card Debt Now website.

Top 10 Tips You Must Know When Buying a Car

1. You should purchase your new car at or around Christmas time because with everybody buying their Christmas presents, not many of them are looking to buy a new car, and it forces dealerships to up their sales strategies. Salesmen are more willing to haggle down to your prices to close the deal.

2. You can also get a good deal from July to October because that is the time of year when dealerships are trying to get rid of their inventory to make way for the new models.

3. Purchasing a car online is becoming a great way to get a new car. Just wait for good rebates and incentives online and shop around. Print out your information from the best quotes and bring it to the dealer that you are most willing to work with. Bringing in lower quotes from another company might be your best bet in getting a good deal.

4. You should visit FightingChance.com if you are hoping to find new car prices, dealer incentives, and the best rebate offers. This site is the first place that you should go for great advice on buying a car. It’s even more informative than the Kelley Blue book. This program for buying new cars can literally save you thousands of dollars.

5. A good place to start when going into a dealership is to bring a copy of your credit score with you. It can lower your interest rates on your car loan. Your car dealer should not know more about you than you do.

6. You can avoid a common scam that dealerships pull. You will often hear that your financing fell through and that you have to respond by paying more money on your loan. Don’t believe it. It’s another reason for you to get a copy of your credit score.

7. Another common scam by dealership salesmen is for them to tell you that they have found you a lower rate, but that they want you to re-sign your loan papers. Usually, that is a downright lie. Once they pull up your financing information, they have the upper hand if you don’t know the details about your credit information. You can get a copy of your credit information online at equifax.com for about $10-$15. It’s better to pay $15 now than thousands later.

8. Don’t bring in a car for trade in if you still owe money on it. The dealership rarely pays the rest of the loan on time which will result in you having to pay a great deal of late fees to the bank. If you do decide to bring a car in that you owe money on, get it in writing from the dealership that they will pay the balance on the car within 10 days.

9. Sometimes a dealership may not have all of your options and must order the car directly from the dealership. If this happens they will often ask you to pay $500-$1000 for a deposit on the car. Try not to pay more than $500 and be sure to pay with a credit card because sometimes the dealership will tell you that there was a price increase on the vehicle and will want more money. If you pay with a credit card you have room to dispute the amount being taken from you. If you pay by check, you can just consider the money gone.

10. You should never buy a car when you are in desperate need for one because a dealer will see that and take advantage. You should never wait until an old car is dead before searching for a new one because you should give yourself time to shop around for one and get the best deal possible. Desperation often clouds your judgment.


About the author:
Are you planning to buy a car? Visit Auto Loans Center for the latest news and information on auto loans. http://www.autoloanscenter.info/

Buyers guide for aftermarket replacement car seats

Aftermarket replacement car seats come in a variety of
colors and styles. This can be a tricky and potentially
costly decision to make. But it does not have to be. This
is no different than buying anything else. Just do a little
research. We are going to provide a few hints to make your
experience a little easier.

1. Buy from a reputable dealer.One way to check this is to
email them and ask a few questions before you purchase.
How long in business, who their supplier is, what support
do they offer etc.

2.Although you might be tempted to buy the lastest fad such
as new designs and such you are better off staying with
your original color and design as this will preserve the
value of your vehicle.

3. Before you purchase make sure they guarantee that your
new seat covers fit with a money back guarantee.

4. If you are not installing your new seat covers yourself,
find some one in your area to do this before ordering. This is because
some don't like to do this if you do not purchase from them.

5.If you are doing the installation yourself make sure some
concise instructions are included.Some also provide online
manuals to follow.

6.If you are a do-it yourself type person replacing your seat
covers should not be a problem.Basic hand tools are required.

7.Check with your supplier to see what is included with your
purchase and to see if any additional supplies are needed.

By following this short outline this will make your
purchase and installation of aftermarket replacement car seats
go much smoother.

Buying a Car? Check Your Credit Score First

Do you check your credit score and credit report before you go shopping for a car? You might find out that it is well worth your while to do so, as some auto dealers are taking advantage of the fact that many consumers do not know their credit scores.

No one likes buying a car; the entire process is awkward and cumbersome. Most items we buy are plainly marked with the price, but with cars, the price is often a mystery. Then you have to haggle with a salesman and hope that you have worked out the best price possible. Having done that, you have to arrange financing. You can often get an acceptable interest rate when financing through the dealer, but some dealers are padding their bottom line by offering loans at higher rates than they otherwise might.

The scam works like this - You negotiate your best price with the dealer and you agree to finance through them. You fill out the credit application and hand it over to the salesman, who has promised you some reasonable terms. He takes off to process the application and to check your credit report while you have a cup of coffee. He returns a few minutes later, shaking his head. He informs you that your credit score is only 600 and that you will not qualify for the interest rate he offered you. He says that you will have to pay a higher rate. And not knowing any better, you agree.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Had you done your homework by checking your credit score ahead of time, you would have known your actual credit score and you could have pointed out that the salesman's assessment of your credit score was incorrect. At that point, you could insist upon receiving the more favorable interest rate or threaten to finance elsewhere. This is a common scam that works because most people really do not know their exact credit score.

Learning your credit score is easy. All you have to do is visit the Websites of one of the three major credit bureaus - Experian, Trans Union or Equifax. For a modest fee, you can receive a copy of your credit report with your credit score. Armed with this useful piece of information, you can shop for a car with a bit more peace of mind, knowing ahead of time whether or not you can qualify for the best financing.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

©Copyright 2006 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing, a firm devoted to informational Websites, including LemonLawHelp.net, a site devoted to information regarding auto lemon laws.

Buying a Car After Bankruptcy? These Suggestions Could Help

If you are buying a car after bankruptcy, here are a few suggestions that could help:

First, you want to make sure you've done everything you can to increase your credit score. Once you've done that you're ready to start shopping for your car!

Here's a question for you: Is it better to get outside financing or get financing through the dealership when you are buying a car after bankruptcy. The answer is... drum roll please... it depends!

It's worthwhile to apply for outside financing when buying a car after bankruptcy. But make sure you do it through the right lender. If you don't, you could end up paying $100s or $1,000s more in extra interest. If you even get approved at all.

Now let's assume you've done your homework. You found the car you like, you know how much that make and model sells for, and you know how much your trade in is worth. It's time to visit the dealership...

Let's say you find the specific car you want to buy. Now you're going to need to negotiate the price.

If you lined up outside financing, then you're in a good position from a negotiating standpoint. But what if you could not get outside financing for a car after bankruptcy? What if you need to depend on the dealership to get you financed when buying the car after bankruptcy?
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Many people think that since they had a bankruptcy they are at the mercy of the car dealership in this situation. THIS SIMPLY IS NOT TRUE!

Let me share a little secret with you: If the dealership has run your credit report and they start negotiating with you, then they're pretty sure they can finance you. After all, do you really think they would waste their time negotiating a price with someone they did not think they could finance? Of course not!
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Here's where things get interesting. How many times a year does the dealership negotiate with buyers? Probably hundreds of times a year at a decent sized dealership. Now what about you - how many times do you negotiate for a car? If you are like most people, it's probably once every so many years.

Most people will thoroughly research the price of the car they want to buy. If it's new they'll take time to find out the dealership's cost and, if they have one, the value of their trade in.
Tip! Visit RoadBusters for more information and help on buying cars, or just come along to chat.

...and they'll go back and forth with the dealership for two or three hours until everyone agrees on the numbers and a sale takes place.

Chances are the buyer still may have left a pile of money on the table - and didn't even know it. The reason the buyer probably left money on the table is that they more than likely made two critical mistakes without even being aware of it. One mistake was that they didn't negotiate all five parts of the sale separately. The price of the car is just one part.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

On that note, another step you will want to take is to improve your car buying skills. How? Visit websites that provide car buying tips. Another way is to pick up a good book on how to buy a car - you can find quite a few of them out there. Unfortunately, I have not run across any that provide specific information on buying a car after bankruptcy. However, After Bankruptcy Credit Solutions does cover this topic in detail - so the information is out there.

Other than a home, buying a car is one of the bigger purchases you're going to make. You need to AVOID any mistakes that can cost you up to $100s or $1,000s of dollars in extra interest. In other words, you simply can't afford not to get things right when you're buying a car after bankruptcy.

This article covered some steps you can take which could help when buying a car after bankruptcy. Put them to use and they could save you from making some expensive mistakes!

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Copyright © 2006 Innovative Solutions Publishing, Inc. All rights reserved.

DISCLAIMER:

This information is designed to provide only a general overview of the subject matter herein.

This information is provided with the understanding that neither the publisher nor author is engaged in rendering legal, accounting or other professional advice. If legal or other expert assistance is required, the services of a professional should be sought.

Neither the publisher nor author shall be liable for any loss or damages, including but not limited to special, consequential, incidental or other damages, caused by the information contained herein.
Tip! People consider a secured car loan only for buying cars but the truth is that you can use the secured car loans to cater any of your expenses related to car. You can use the loan amount for engine upgrade, paint work, buying accessories such as music systems, interiors, power windows and power steering, repairs and any other modification for your existing car.

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About the Author: R. Lawrence Anderson is author of After Bankruptcy Credit Solutions, which shows individuals how to qualify for credit and loans after bankruptcy - it also covers the topic of buying a car after bankruptcy.

Buying a Satellite Navigation (Satnav) System for Your Car

Once they were only for the rich and were only fitted in the very high end cars but today SatNav systems are available to all. You can either opt for the in-car fitted systems that are still quite expensive or you can go for the handheld or protable units. This article is about the latter.

What is SatNav?

SatNav is a system that comprises of 2 elements, a GPS data receiver and a CPU/display unit. The receiver gets information from orbiting GPS navigational satellites and communicates it to the CPU/display unit. This unit is then able to find its exact location on the planet by comparing signals from various satellites.

The unit incorporates road maps of the area and places an indicator on the map showing where the car is on the maps.

Features

The units allow you to plan a journey ahead of time and then the unit will guide you to you destination by displaying a map showing you where you are and the direction you should be heading. Most now have voice instructions so the unit will tell you, when you are approaching a junction, which turning you should take. The units are also capable of making real time adjustments to the route, this means that if you go the wrong way the until will recalculate the route to your destination taking into account the wrong turning you have just made.

Maps

The maps for the unit can be loaded for the different regions you visit, so they may have a map of the UK and another for France and so on. Most modern unit have the maps stored on a removable memory cards like SD cards or similar memory card but some units read directly from a CD or DVD. The display can be set to show the conventional flat map view or the new 3D view that shows a view as if it was above you and looking forward. This view is very good and clear.

Things To Look For When Buying Car Stereo Speakers

There are so many car stereo speakers on the market. How do you know what to choose? Let's take a look at some of the things you should look for when buying a car speaker.

1. How is the speaker's power measured?

Pay close attention to the amount of power the speaker can handle. This is particularly important when dealing with woofers, since they require more power to play loudly. Look out for models where the manufacturers exaggerate power. Ensure that power is measures in RMS. Be very wary of terms like "music power" and "peak power". These terms mean nothing when it comes to measuring power.

2. How sensitive is the speaker?

The more sensitive a speaker is, the less power required to play it. If a speaker is insensitive it will require a lot more power to play at the same volume. If you're using an amplifier you don't have much to worry about. But sensitivity becomes a bigger issue when you're using your head unit to power your speakers. Head units have less power so they require speakers that are more sensitive.

3. Are you buying the right size speakers?

The size of your speaker is very important. They should be able to fit in the proper locations. Ensure that your midrange speakers can fit in the door or dash spaces or else you may have to do some cutting. Do you have enough room in your trunk for your woofer to fit? Ensure that tweeters can be mounted in a location where they fire almost directly at you.

4. What type of enclosure is best for your subwoofers?

Woofers generate a back wave behind them. They should never be mounted in free air space. If this is done the sound they produced at the front will be cancelled out by the backwave. As a result they will produce no bass. Hence the need for enclosures. You can choose between many types of enclosures.
Tip! For more information on the best Houston Used Car try visiting Car Buying For Idiots located at http://CarBuyingForIdiots.com where you will find valuable information on buying cars, buying used cars and other information.

One popular choice is the ported box. The woofer is mounted in the box with a hole in it and a port tube attached to the hole.

There's another technique where two chambers are used. The woofer is mounted in one chamber inside the box and fires into another chamber that is ported to the outside.

Another method uses the speaker's trunk as an enclosure.

The sealed enclosure is the most popular. The back wave is surpressed inside the box and the speaker fires inside the car.

All of these methods have their advantages and disadvantages. You need to choose one that is best for your situation. Be sure to inform yourself about enclosures before making a selection.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

Ordering your car stereo speakers online is quick and easy. Before buying them check out some online reviews. Find out what customers like yourself think of the speaker you want to buy. You can order your speakers online today.

Roger Charles is a successful author and publisher of http://car-stereos-guide.com. A resource for information and tips on buying car stereos and car audio products online.

Things To Look For When Buying A Car Stereo Head Unit

There are so many car stereo head units on the market. How do you know what to choose? Let's take a look at some of the things you should look for when buying a head unit.

1. How user friendly is the head unit?

Your head unit must be user friendly. This is the part of your car stereo you will interact with the most so you must feel comfortable using it. Before buying one be sure to play around with it and see how easy and quick it is to change tracks on a CD, switch radio stations, and so on. Are the buttons too small? You need to be able to enjoy using your head unit.

2. How is the unit's power measured?

Pay close attention to power. Look out for models where the manufacturers exaggerate the unit's power. This malpractice is common among most manufacturers. Ensure that power is measures in RMS. Be very wary of terms like "music power" and "peak power". These terms mean nothing when it comes to measuring power.

3. Choosing between a cassette player and a CD player.

It's all about your personal preference. Do you use more cassettes than CDs? In that case you should probably go with a cassette player. Many of them give you the option of hooking up a CD changer. Your CD changer can be operated from your head unit.
Tip! Make sure you buy during a time when very few are likely to buy that product. Christmas is a good time for buying cars.

The only problem with some CD changers is the fact that you may have to get to your trunk or under your seat to change CDs. With in-dash CD players everything is in reach and can be operated easily.

More and more people are using CDs these days. CDs have several advantages including better sound quality. Many of them can be hooked up to a CD changer as well.

4. Does the head unit include pre-amp outputs?

If you're serious about sound you wouldn't buy a head unit that doesn't come with pre-amp outputs. With these outputs, you can run an amplifier directly without any need for conversion. This output is the cleanest. Higher volt outputs are better as long as your amplifier or crossover can handle the voltage. For less noise choose 4 volts over 1-2 volts.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

5. Is there a theft prevention scheme?

If theft protection is important to you buy a head unit that includes a theft prevention scheme. You can choose between a partially detachable and fully detachable face. Detaching the face of your head unit renders it useless. So this is obviously a great deterrent for thieves.
Tip! If you are new at buying cars, don't get intimidated.Have a firm goal.

Kenwood has some models where the face flips around so the thief can't see the head unit.

Some head units like Eclipse's ESN system, require a reference CD when you first apply power to them. If it is stolen it is useless. You must have the reference CD for it to work. The only problem with this is that if the thief has no clue about this feature, your head unit would be stolen anyway. Your only hope would be if he foolishly takes it to Eclipse for repair. Eclipse would be able to verify that it was stolen.

Ordering your car stereo head unit online is quick and easy. Before buying your head unit be sure to check out some online reviews. Find out what customers like yourself think of the unit you want to buy. You can order one online today.

Roger Charles is a successful author and publisher of http://car-stereos-guide.com. A resource for information and tips on buying car stereo and car audio products online.

The Five Most Common Mistakes When Buying Car Speakers

When it comes time to buying replacement speakers for a car audio system, there are several mistakes which are commonly made. Be sure to read this handy guide to avoid the five most common mistakes when buying car speakers.

1. Plan your budget. Are you revamping your entire audio system? If so you need to allocate money to different parts of the system. If you are just changing the speakers, decide how much money you want to spend on them before seeing what is available. This will allow you to keep costs within a reasonable range.

2. Consider how much you are willing to modify your car. Some speaker systems require extensive modification. This is an extra cost which must be factored into your budget, and also may affect the resale value of the car if you decide you want to try and keep the audio system.

3. What do you use your car for? If you travel extensively and are on the road almost every day, you should probably splurge and buy the best quality speakers you can afford. After all, your car is like a second home, and anything you can do to make it more comfortable will enhance your working life. On the other hand, if you only use the car to go to the grocery store and most of the time it sits on the driveway, it's a bit of a waste to go for high-end car speakers.

4. How long are you going to keep your car? If you plan on using the same car for two years or more, it makes sense to buy good-quality speakers. If you're going to sell the car next month and are simpler looking for a upgrade to the audio system to make it easier to sell, keep your car speaker budget to a minimum.
Tip! Don't forget all the things you've learned from buying cars and don't let a sales person confuse you. If they are irritating and confusing, just walk out.

5. What kind of music you listen to? This will have a big influence on the type of car audio system that you have. If you like to listen to strong, bass-heavy music, you should get powerful amplifiers and ample subwoofers. On the other hand, if your music tastes run to classical or pop, you want a speaker system which can reproduce the entire audio spectrum evenly.

Hans is a car audio enthusiast and author of the Audio How To Section of the http://www.selected-audio-reviews.com/