Giving Car Costs An Overhaul – For many consumers, the costs associated with owning and operating a car continue to rise. Fuel prices, insurance rates and car maintenance expenses have all gone up in recent years. Thankfully, you don’t have to alter your driving habits or buy a new car to get some relief. Here are some quick, inexpensive, easy ways to save money:
Mind the air to save money on fuel–The U.S. Energy Department reports that underinflated tires can increase fuel consumption by up to 3 percent. One study estimates that 50 to 80 percent of the tires rolling on U.S. roads are underinflated. Astonishingly, Americans could save up to two billion gallons of gas each year simply by properly inflating their tires.
Secondly, a clogged air filter can increase fuel consumption by as much as 10 percent. Air filters keep impurities from damaging the interior of the engine, so replacing dirty filters will save gas and protect your engine. More tips to save money on fuel are available at http://www.fueleconomy. gov.
Get slick to reduce maintenance costs–There are high-performance motor oils that can make meaningful improvements to a car’s fuel economy and engine life. For instance, numerous independent studies have found that Royal Purple motor oil can improve fuel economy by 5 percent or more. Find out more at their Web site, http://www.royalpurple.com.
Using a high-performance synthetic motor oil, as opposed to conventional oil, also allows for more miles between oil changes. This reduces maintenance costs and the amount of time spent on maintenance. You’ll pay a little more for premium motor oil, but the savings in fuel and reduced maintenance costs more than make up for the higher price.
MK Kashiyama Merek Spare Part Mobil untuk Rem Cakram, Rem Tromol dan Kampas Rem Berkualitas Terbaik di Indonesia. Reduce your insurance costs by doing your homework–One of the simplest ways to reduce insurance costs is to shop around. Get at least three price quotes. You can call companies directly or access information on the Internet. The state insurance regulator may also provide price comparisons. Other ways to reduce insurance costs can be found by visiting the U.S. Insurance Information Institute’s Web site at http://www.pueblo.gsa.gov/cic_text/cars/autoinsu/autoinsu.htm.
An astute consumer can save hundreds of dollars a year on automotive expenses without buying a new car or changing lifestyle. All it takes is a little time, research and the choice of better-performing products.
There are a number of ways to reduce the costs associated with owning a car.
Educate Yourself To Amazing Car Finance – When it comes to making a car purchase, paying for it is a big part of the battle. Even mid level new cars run into the $20,000 range. Because of these prices, few people pay cash for cars anymore and statistically about 7 out of every 10 people use car finance to pay for their new vehicle. In order to get the best car finance possible, you need to understand how the whole process work.
First, you want to figure out where you are going to get your car finance. There are a number of institutions that can get you financing. Banks, credit unions, the dealership, or even auto manufacturers can provide financing for your new or used vehicle.
Second, with a car finance, you need to realize that whether you buy a new or used vehicle will affect your financing. As a general rule, interest rates will be lower on new cars than on used ones. Also, new cars can often qualify for financing over a longer period of time than can used cars.
Next, when it comes to our car finance, donít believe everything you see or read. Commercials for special financing for those who are first time buyer or have bad credit abound in papers and on the television. These are usually a little too good to come true and come attached with requirements such as extra high down payments and extremely high interest rates. In some cases, both apply to the loan.
Before you go to get your loan, make sure you know about your own credit history. Get a copy of your credit report and go over it with a fine toothed comb. Look at the score as well as the payment histories on it. If anything at all looks incorrect, make sure you get it cleared up. When a lender looks at how much money to give you, they will check out your debt ratios, how long you have been at your job, your history with similar loans, and your credit report as a whole.
Once you are armed and ready to consider your car finance, shop around. It is usually a good idea to look for the financing before you buy the car. You will better know what you qualify for that way. Also, you can use your information to bargain further with the dealer. In order for them to finance your car, you should ask them to beat the rate you have from wherever else you have looked.
Remember that everything is negotiable. Just because the car finance rate you got is pretty good, it doesnít mean that you have to pay what they ask. Negotiate the rate of your loan, the price of the car, or anything else you can talk to them about. It canít hurt and you could save yourself a lot of money that way. As the process goes on, donít get caught up in the numbers. The dealers will try to give you monthly payment numbers only so that you donít notice any added charges. However, sit down with a calculator and just figure out the payments yourself and you will have nothing to worry about.
Always know that car financing may seem complicated, but it doesnít have to be. Educate yourself, shop around, and make sure you know what is going on and you should have no problem. Better yet, you will find yourself with a great new or pre-owned automobile.