Buying a more fuel-efficient vehicle is the best answer to rising gas prices

As the price of gas soars ever higher millions of people across the country and around the world are looking for ways to increase their mpg and decrease the amount of gas that their car uses. While there are plenty of tips, tricks and  alternatives that can be used to do this the simple fact is this; the smaller and more efficient that your car is the less gasoline that it will use.

Of course if you’re a family of 7 getting everyone into a Honda Civic might not be the most comfortable idea and so, no matter if you drive a car, truck, sports utility vehicle or minivan, what you’re going to want to do is find the most fuel efficient model that you can based on your needs. With that in mind we put together a blog about some of the best cars on the road today for gas mileage. Keep in mind that while hybrids can certainly be very fuel-efficient they can also, in many cases, just be too darned small for your needs. That’s why you’ll see many cars here on our list that aren’t hybrids but are still quite fuel-efficient. Enjoy.

Speaking of hybrids let’s just agree that for the most part they are the most fuel-efficient vehicles on the road. The Honda Civic hybrid gets over 45 miles to the gallon and that’s in the city while the Toyota Prius gets even more. Those are great numbers to be sure and will definitely save you lots of cash at the gas pump but, again, if you have 5 kids there’s no way you’re using a Honda Civic to chauffeur them around.

One of the basic tasks that you have before you buy any car is to sit down and really figure out your transportation needs. Do you need a vehicle just for getting back and forth to the office by yourself or for making quick runs into town? If so a smaller, more economical car is definitely going to be on your short list of possibilities as well as most hybrids. On the other hand if your son is on the football team or your daughter plays soccer and you’re a football or soccer mom there will definitely be times when having a larger car or minivan are going to be absolutely necessary. Keeping your needs in mind before you buy will thus steer you towards a better purchase decision.

Looking at another example, let’s say that you work in construction or own your own construction company. If that’s the case, you definitely will need a large, full-size pickup truck, especially if you are going to be towing a trailer with tools and equipment. On the other hand, if you’re a weekend do-it-yourselfer you would probably be better off sticking with a smaller, more economical car and, when the need arises, renting a truck or van for your weekend projects.

Once you’ve taken a good look at your true automobile needs it’s time to start looking at the various makes and models to determine which one is going to the be the best for your needs and also deliver the best mpg. Also please keep in mind that the numbers that were going to be using below have been provided by the EPA and, frankly, most vehicles never actually meet these numbers. At best they are a good way to compare one car to the next and probably should be reduced by about 10% in most cases.

When it comes to two-seater automobiles the best on the market are the Honda Insight with manual transmission that gets 61/66 mpg and the Honda Insight with automatic transmission and 57/56 mpg.

When it comes to mini-compact cars the two choices are the Mini Cooper with manual transmission that gets 28/36 mpg and the same Mini Cooper with automatic transmission that gets 26/34 mpg

Are you looking for a subcompact car? If yes, your choices are the Volkswagen New Beetle with manual transmission and diesel engine at 38/46 mpg and the same Beetle with automatic and 36/42 mpg

The Honda Civic Hybrid with automatic variable transmission gets 48/47 mpg while the same with manual gets 46/51. Both are considered compact cars. Then there are midsize cars like the Toyota Prius Hybrid automatic and 60/51 mpg and the Hyundai Elantra with manual transmission and an mpg of 27/34.

The Volkswagen Jetta Wagon with diesel engine and manual transmission is a great small station wagon and gets 36/47 mpg while the Volkswagen Passat diesel with automatic gets an admirable 27/38 mpg. Ford weighs in with their Focus Station Wagon with manual transmission and an mpg of 26/35.

If you need a minivan to shuttle the family all over town the Honda Odyssey with automatic transmission gets a decent 20/28 mpg and the Dodge Caravan with automatic gets a 20/26 mpg rating. If a sport-utility vehicle is more along the lines of what you need the Ford Escape Hybrid with automatic variable transmission gets a very high 36/31 mpg while the Toyota Rav4 2- wheel drive with manual transmission gets a 24/30 rating.

Finally there’s your pickup trucks, including the Ford Ranger 2 wheel drive pickup with manual transmission that gets a decent 24/29 mpg and the Mazda B2300 2 wheel drive with manual transmission and a 24/29 mpg rating.

Of course there are plenty of other cars to choose from and, frankly, in many ways there is so much selection that it makes the final choice a bit more difficult. Since gas prices aren’t likely to drop anytime soon the more time, energy and research you put into finding the car that best meets your needs the better off your wallet will be when you head to your favorite local gas station. Good luck with whatever make and model you choose and please be sure to come back and visit us sometime soon for even more information on how to beat the high cost of gasoline. See you then.

More Money Saving Tips Gasoline Tips and Advice

In our continuing effort to bring our readers the most up to date tips on saving money at the gas pumps we’ve put together a new blog with some more tips, advice and ideas that are sure to help reduce the sting of filling up your car’s gas tank. Since gas prices seems to be going up every five minutes we figured that instead of the usual fun banter we get right into it. Enjoy.

Most experts will tell you that it pays to accelerate at a moderate rate of speed. Most math teachers will also remind you that the basic law of physics, that force = mass  X acceleration, will work in your favor if you do a little bit of offensive driving and lay off of the brakes. (And by offensive we don’t mean that you use your horn constantly or give people ‘the finger’.) Simply put, if you use your car’s acceleration to bring you to a traffic light rather than usual breaks and then accelerate and then use your breaks and then accelerate again, etc. etc., you will definitely save gas.

The reason is that you won’t lose your acceleration and waste it on the friction that your breaks cause. Indeed you can easily get 10 to 20% better gas mileage by keeping your foot off of the gas pedal and letting your car’s momentum carry you to a stop sign, stoplight or whatever.  Keep in mind that by the time you actually reach the point of having to stop, if you’ve done it correctly, you should not have to jam on the brakes.

Some hybrid car owners may disagree with this as hybrids have the interesting ability to be able to convert braking power into electrical energy and then store that energy in their batteries. While this is certainly true, if you need to decelerate to fast you will still lose a ton of energy and will have to use even more to power yourself to the point of eventually having to stop.

You’ve probably heard about not using your air conditioner to save money on gas and, while this might be true in some cases, if you live in Arizona, Nevada or other areas of the country where the heat can be oppressive it just doesn’t make sense to turn the AC off, especially during the middle of the day. What you can do however is park your car in the shade, in your garage or in a parking garage during the day if possible. Also, when you first get moving, open the windows for a few minutes and get the hot air out of your car so that the a/c doesn’t have to work as hard or as long to cool the interior down. One last thing that you can do is turn you’re a/c off 5 to 10 minutes before you arrive at your destination to save a little bit more.

If you do a lot of highway driving one of the best ways to increase your mileage is to draft behind a larger car, truck or bus. This takes a bit of skill and definitely all of your attention but it is one of the best ways to increase your mpg on the highway because it cuts down on wind resistance greatly. One caveat; don’t tailgate in order to do this because that’s not only rude but dangerous. If you own a pickup truck and it doesn’t have a cab you might consider putting the tailgate down as well to cut down on drag.

If it’s not brutally hot or cold out you may find the temptation to open the windows, especially around town, a big one. We suggest that you don’t only because the extra turbulence can cost you fuel. Better to use your car’s ventilation system instead and save gas.

Many people are still in the habit of changing their cars oil every 3000 miles. While this certainly isn’t bad for the car the fact is that most oils and most cars will be just fine up to 5000 miles.  While it might not affect your MPG greatly it certainly will cost you less and oil changes over the life of your car.

Are you going to be renting a car while you’re away on vacation or a business trip? If so, and you are not going to be taking other people or trying to impress anyone (and it’s possible you may) we would suggest that you rent a smaller, economy car then a bigger, more luxurious but more wallet damaging gas guzzler. The fact is, you could save enough money on gas by using a smaller car on vacation that you might be able to upgrade your hotel room or afford a couple of extra fancy meals.

One last tip that we have is one of the best; don’t fill up at any gas station near the highway. Usually that’s where the gas prices are the highest. Find one in town or, if you’re on the highway, drive a few miles away to find a cheaper price.  The smartphone app ‘GasBuddy’ can help you locate the best price around.

10 Easy Ways to Save on Gasoline

With prices that slap you in the face every time you pull up to the pump, it’s no surprise that most Americans are desperately searching for any way possible to lower their consumption of gasoline. We’ve certainly had our fair share of blogs filled with tips and advice but, for those of you who might have missed them, we present to you a blog with 10 of the best (and easiest to implement) ways to save more gas. If all 10 of these are already on your to-do list or on your ‘I-did’  list then good for you. If not what the heck are you waiting for?! Get them on your list and start saving at least a little bit more money on gas today. Enjoy.

  1. Drive slower. Now, were not suggesting that you drive like a 75-year-old grandmother on Sunday, just that decreasing your highway speed and keeping it at about 65 mph will use less gas because most cars are optimized to run at this speed. Any slower and you become a nuisance but any faster and you start wasting an inordinate amount of gas per mile, in some cases as much as 20%.
  2. Quick starts like Mario Andretti at the racetrack not only will use much more gas but will also capture the attention of local law enforcement officers, something that you may wish to avoid. Indeed, accelerating at a regular, normal speed can save you as much as 33% and is much better for your car’s engine, something that will save you money on maintenance costs too.
  3. Tried and true, planning several small trips and taking care of them at the same time will definitely save you money and time. We suggest that you go to the furthest location first as, once you are car is warmed up you will use less gas even if you have to stop for up to 30 minutes.
  4. 2 words; car pool. If it’s at all possible to drive into work with either people you work with or people that work nearby you’ll not only save a ton of money you’ll also lower your maintenance costs and possibly end up with some long-term friends. Who knows, you may even develop business relationships that will enhance your career.
  5. Although the jury is not completely in on this one, turning off the A/C unless it’s unbearably hot is probably a good idea. If you are doing over 50 mph on the highway however you’ll probably want to close the windows and use yourcars vent system instead.
  6. If you don’t take your car in for regular oil changes and maintenance you’re not doing your wallet any favors. Yes, we know that you hate to pay for something that you can’t see, touch or use but a properly maintained car will have much fewer problems and, in the end, cost you much less than any maintenance costs.
  7. Checking your tires at least once a week to make sure that they’re not wearing badly and that they are properly inflated is something that’s easy to do and takes mere minutes. Use the psi number that’s located on the inside door frame (driver side) rather than the number on the tire, which is the maximum PSI and not the correct PSI.
  8. If you use your car or truck for work and it’s full of tools we can’t fault you for that but, if your car is full of junk because you don’t bother to clean it out you’re not only messy but you’re wasting money on gas. Even 20 pounds of stuff, which really isn’t much, can lower your MPG by 10% so clear out that junk.
  9. Idling car for long periods of time and warming it up in the morning are two things that are completely unnecessary for most new cars and waste huge amount of gas. Unless your car is an antique warming it up is unnecessary and, if you sit for long periods of time with your car idling for no reason well then, we’re not sure if we could be friends with you. (Okay, we’ll be your friend but please stop doing that, okay. It wastes gas and it’s bad for the planet.)
  10. Drive less. Yes, we know it’s sometimes not that simple with work, the kids, the gym and basically everything else that life tends to throw at us. All we’re saying is, when possible, use a bike, use your feet or even use mass transit. You’ll definitely save money on gas and you might even get in better shape because of it.

And there you go ladies and gentlemen, another fact filled blog full to the brim with great advice and excellent tips. We hope you enjoyed it and that you come back to see us again sometime soon. See you then.

Car Buying Tips for Young 1st-Time Buyers

Purchasing a car, while not a great long-term investment, is certainly an important short term investment. It needs to be done with patience, due diligence and future maintenance and usage costs in mind. If you’ve never purchased a car before it can be a little daunting too so, nice folks that we are, we put together a blog with some excellent car buying tips for first-time car buyers. Enjoy.

One of the first things you need to consider if you’re buying a car for the first time is whether you’re going to finance it or pay for it in cash. Both have their positive and negative sides. For example, a new car loses about 25% of its retail value as soon as you drive it off the lot, but being approved for a car loan (and paying the loan off on time, of course) can build your credit history.

That being said, if you have the cash to pay the car completely or pay off a large chunk of it your monthly car loan expense will be much smaller and easier to swallow.

Remember that you don’t have to get financing from a dealership but can apply for it at your local bank. Even if you are buying a used car you can sometimes qualify for a loan at your bank and many times the interest rates that they offer will be better than any dealer’s rates.

Would you buy clothing or electronics without taking a look at them first and making sure that they fit right and worked correctly? Probably not, so why would you consider buying a car without having it inspected first? You shouldn’t and, since a car can appear perfectly normal on the outside but have severe mechanical problems hidden on the inside, getting any used car inspected before you purchase it is absolutely vital.

While we realize that younger people prefer sporty cars with stronger engines and rear wheel drive the fact is that these cars are much more difficult to drive in hazardous weather conditions like rain and snow. It is for that reason that you should seriously consider purchasing a front wheel drive automobile for your first car because you’re probably still learning how to drive and it will be safer.

As far as warranties are concerned, if you’re purchasing a used car that has less than 60,000 miles the original manufacturer’s warranty will still be in effect. If the car you are considering has more than 60,000 miles you may want to purchase an extended warranty but keep in mind that that’s going to cost quite a bit of extra money.

One item that many new car or first-time car buyers forget is what affect their car purchase will have on their automobile insurance costs. Generally speaking a new car will cost more to ensure, especially since you have to have full coverage on it. Your best bet would be to check with your insurance company before purchasing any car to find out what your approximate cost per month will be to insure it.

Finally, with gas prices going through the roof you would do well to know exactly what type of mileage your car is going to get, whether new or used. This can have a huge effect on your monthly bills, especially if the car you purchase gets lousy mileage, so make sure you do your homework.

No matter what you buy best of luck in your search and with your new automobile. Make sure to drive back here to our website on a regular basis for more excellent tips on all sorts of financial topics. See you then.

 

What Makes a Difference at the Pump?

At water coolers, across grocery store counters and in kitchens everywhere across the country one of the biggest subjects on people’s lips is the price of a gallon of gas. At nearly 4 dollars a gallon on average people everywhere have been forced to make a huge adjustment to their budgets in order to be able to keep up their driving lifestyles. This of course has led many to search for any way possible to save money when filling up and has been the impetus for a number of blogs here on our website.

The way we look at it however is that there can’t be much talk about saving money on gas without talking about the one thing that makes the biggest difference at the pump; the type and size car that you drive. Indeed, it’s kind of hypocritical for anyone to talk about how much gas costs when they’re driving a huge, gas sucking road monster of a car every day. It’s with that in mind that we put together a blog about the Top 5 automobiles, mileage wise, being sold today.  If you happen to already be driving one of them, good for you. You can make a fuss about gas prices while the rest of us keep our mouths closed. Enjoy.

We will admit to a bit of pride that  there’s an American car among the bunch. The Chevrolet Cruz Eco’s  excellent number 42 mpg on the highway puts it right up there at the top of the charts. One of the reasons that it ships so little gas is that, at number 70 mph and in  6th  gear,  the Cruz’s  engine is only turning at about 2000 RPMs, a recipe for gas saving that suits its owners just fine.

The Hyundai Elantra has been described as ‘aerodynamically slick’ as far as its styling is concerned and, with a 148hp  engine and 6=speed automatic transmission it delivers an excellent 40 mpg on the highway. This car has also been described as ‘conventional done well’ with a comfortable ride and excellent handling. Put all of those together and what you have is an outstanding automobile that sips gas.

 At over 40 mpg on the highway the Honda Insight  is another top gas performer. One of the reasons is the 13hp electric motor that’s sandwiched between a 1.3-liter gas engine and the CVT. The Insight doesn’t do as well as the Toyota Prius  for the simple reason that the Insight  is not made for prolonged electric motor operation, switching on and off when the air-conditioning is running for example.  Still, if this is your ride you’re a happy camper at the gas pumps.

Audi is on our list with their Audi A3 TDI. We will admit to a fondness for this car because it feels so much more luxurious than the rest. Of course the reason for that is that it also runs about $10,000 more than the others. So, while you’ll definitely save money when you fill it up you’re going to spend a bit more to put it in your garage. If that’s a good compromise that allows you to brag a bit at the water cooler then so be it.

The latest  Toyota Prius  has a larger 1.8 L engine that gives it a good bit more horsepower but still is believed to deliver 50 mpg! If giving us a bigger, stronger engine is the way to  decrease fuel consumption we’re very excited! Even if it falls a little bit short of that number we’ll still be fine with driving the epitome of hybrid cars around town or around the country and, with mpg this fantastic, it will be a pleasure to make the occasional stop for gas.

And there you have them. These are the cars to drive if you’re keen on winning each and every argument about gas consumption. Of course, if you’re like us and aren’t big on confrontations, you can just take comfort in the fact that you’re not spending your child’s inheritance on gasoline.  See you back here soon.

Tips for Driving That Will Save You Money on Gas

With gas prices all over the United States hovering at about four dollars a gallon many people are desperately searching for any tips, advice or information that will allow them to save a little bit of money when filling up. Of course there are the old standbys, such as making sure the tires are inflated and maintaining the car as well as  possible, but frankly there  is only so much savings that you can get out of this. So, dear readers, what we did was search for a number of other ways to save money on gasoline and what we came up with is written for you below. Enjoy.

  1.         Most people don’t usually associate using their car’s brakes with using more gas but a few recent studies show that the more a person brakes the more fuel they use. Of course it’s necessary to use them when driving but, whenever possible, the best thing to do is coast when you know that you’re going to have to stop rather than waiting until the last moment and braking hard. What you’ll be doing is taking advantage of the kinetic energy that your car has built up, which means that your engine will use less fuel and you’ll save money. Indeed, you can save a surprising 12% to 15% on fuel just by using this one driving tactic.
  2.         You might also have heard that jackrabbit starts are not only bad for your car but use more fuel. While this is certainly true, getting up to speed too slowly can also use more fuel rather than less. The reason is that most cars get lower fuel economy when they are in lower gears. Recent testing showed that accelerating a car to 50 mph in a 15 second period used less fuel than doing the same thing but over 30 seconds, a savings attributed to the test cars entering their top, fuel saving gears faster.
  3.         Many people have gotten the advice to open the windows rather than using the A/C.  In all honesty, there are plenty of people on both sides of this fence. Some will tell you that using the air-conditioning (and being more comfortable) uses less fuel and thus cost less money than opening the windows and letting the air flowing through them keep you cool. Recent studies have found that, below 55 mph, fuel consumption was better when the windows were open and the AC was off. Conversely, at 60 mph or higher closing the windows and turning on the AC made more sense, fuel efficiency wise, due to the drag of friction on the car.
  4.         One mistake that many people make is to use the psi maximum that is written on the sidewall of their tires. In reality, this is the maximum and thus not the most efficient psi. Checking the sticker on the inside of the driver’s side door or referring to the automobile owner’s manual will give you the exact psi for the tires that came with your car. Of course if you’ve purchased new tires since then you may need to refer to the manufacturer’s website or ask the technician that installed them for you if you want to find this precise and important fuel saving number.
  5.         Running a bunch of errands during one trip is an excellent way to save fuel but also something that most people already know. What most people might not know is that they should go to the store or other destination that is furthest from their home first so that their car’s engine is completely warmed up.  A warm engine performs better than a cold one and uses less fuel. Once warmed, even if you park for 30 minutes you will still benefit from increased performance and fuel savings.
  6.         This one might sound foolish but not only does FedEx use it, one of the biggest shipping companies in the world, but the television show MythBusters proved that it works. What is it? Making mostly right turns when you’re driving. Because it is easier and faster to make right turns in most states you will spend less time sitting at a traffic light or stop sign, car idling. Making all right turns will thus use less fuel but it does offer some challenges depending on where you’re going and what you are doing.
  7.         Ethanol, which is being used all over the country in most major gasoline blends, is not only harsh on your car’s engine but also worse for your MPG. The reason; ethanol stores less energy than gasoline and thus you need more of it to go the same distance. Whenever possible avoid gas that has ethanol in it or at least try to get the brand with the least.

While some of the ideas above might be a little bit worn we believe that some of the new information and advice that we coupled with them is definitely worth your attention, especially if you do a lot of driving. These days, even if you don’t do a lot of driving it still pays to use as many tips and tricks as possible to lower your fuel consumption and save money. We hope you like this blog and we invite you to come back and visit us again soon for more money-saving tips on all sorts of different things. See you then!

Avoid Ethanol When Possible
Gasoline that has been cut with 10 or 15 percent ethanol, called E10 or E15, is an mpg killer. Why? Gasoline stores more energy than ethanol (119,000 Btu per gallon vs 80,000). So it takes more ethanol than gasoline to go the same distance.

The Three Most Vital Car Maintenance Tasks to Help You Save Money on Gas

With prices hovering close to $4.00 a gallon all over the United States most people are looking for as many ways as possible to save money on gasoline. That’s understandable of course but, unfortunately, most people miss the three most important  automobile maintenance tasks that could easily save them up to $.30 a gallon every time they fill up.  With that in mind we put together a little blog about those three tasks, what they are and how they can increase your fuel economy and decrease the sting that you get at the pumps. Enjoy.

Task #1 – Make sure that you keep your car’s engine properly tuned at all times. If your car for example is noticeably out of tune or has recently failed and emissions test getting a tuned up can improve your gas mileage by almost 5%. This of course varies depending on the type of car that you have, it’s age and how well maintained it was before the tune-up. If your car is suffering from a serious problem such as an oxygen sensor that is working incorrectly, fixing this problem can improve your mileage by as much as 40%, which is a serious improvement. Even at only 4% this is an equivalent of approximately $.14 a gallon savings.

Task #2 – Make sure that your car’s tires are always kept at their proper pressure. For every 1 psi pressure drop your car’s mileage can actually be lowered by .3%. Also, keeping your tires properly inflated will allow them to last longer, thus lowering the cost to replace them.

Many people make the mistake of looking on the side of the tire and using the maximum pressure number that is printed there on the tire sidewall. Better to locate the driver side door-jam sticker or look in the owner’s manual to find the actual recommended psi and use that number instead.  Keeping your tires properly  inflated can thus give you a fuel economy benefit of approximately 3% or $.11 per gallon savings.

Task #3 – Find out what the recommended weight of motor oil is for your vehicle and use it every time you have the oil changed. This can actually improve your gas mileage by up to 2% and is also better for the car’s engine which will lower your maintenance costs overall.

If you use 10 W30 motor oil and the engine in your car was designed to run on 5 W30, using the wrong oil can lower your gas mileage by 2% and cost you more at the pump, obviously. When your car’s oil is being changed ask if they have energy conserving motor oil as it contains friction reducing additives that will also increase your gas mileage. The 2% bonus that using the correct motor oil can give you equals approximately $.07 per gallon savings.

Bonus Info – There is new information that has recently been released that shows that, while replacing a clogged air filter can improve a car’s performance and acceleration, it has little impact on a car’s MPG. This is mostly for cars that were made after the early 1980s. Thus, if you’re looking to improve gas mileage, replacing your car’s air filter is probably not going to give you much of a MPG boost.

Like practically everyone in America we hate filling up these days because the price of gasoline is doing so much damage to our wallets and purses. If you  can accomplish the three tasks above however you could save, as we said, up to about $.30 per gallon every time you fill up.

Over the cost of 1 tank of gas the savings might not be huge but, over a year’s worth of gas consumption, you could literally save hundreds of dollars. So make sure to keep your own mobile properly tuned, its tires properly inflated and use the manufacturer’s recommended weight of oil. Of course be sure to come back and join us very soon for more great money-saving information. See you then!

 

The Best Tips for Saving on Car Insurance

Car insurance is a necessity that people certainly love to hate. It definitely eats up a good chunk of everyone’s pocket change and the premiums, depending on which state you live in, can be quite high. With that in mind we went looking for tips on how to save money on car insurance for you, our dear readers.  What we found were quite a few that will give you the opportunity to save in various ways. Keep in mind that car insurance laws, rates and rules vary from state to state and make sure that you check with your state on anything that you plan to do. Aside from that, sit back and take a look as we present  the best tips for saving on car insurance. Enjoy.

  1. One of the quickest and easiest ways to save on car insurance is to get a higher deductible. This is especially true if your car is less than 10 years old.
  2. If your car is newer, well-maintained and a brand that isn’t prone to breaking down you can usually drop towing from your insurance policy without too much risk. Of course maintaining your car is vital  for this to work so make sure that you do that. Also do your best to make sure that you never lock your keys in your car or run out of gas.
  3. Many automobile insurance policies have a  car-rental rider that will pay if you need to rent a car. Unless you’re a frequent traveler or you spend hours on the road every day you can probably drop this also.
  4. If you’re in the market to purchase a new car make sure that you do the research to find out if insurance rates for your particular model are within reason. There is no real formula for determining what it will cost to insure a particular car so, before you make a final purchase, inquire with your insurance company what the costs will be. Many times the automobile that you thought would cost less will cost more and vice versa.
  5. Unless you have money to burn don’t waste any of it on aftermarket extras for your vehicle. While wheels, spoilers, an awesome stereo or a new exhaust may give you a small amount of pleasure, the fact is that if your automobile is totaled or stolen you’ll get back much less from your insurance company than you actually paid for the extras. In our opinion it’s just not worth it.
  6. If you are insuring more than one vehicle or a combination of different types of vehicles such as cars, boats and motorcycles, it would be best for you to ensure them all at the same place.  In most cases doing this will allow you to take advantage of volume discounting.
  7. If possible don’t pay your insurance premiums on a monthly basis. The average insurance company will charge anywhere from 2 to 4% extra when you pay monthly rather than paying every six months. If you have no choice but to pay monthly you should set up an auto-pay service with your insurance company as they will usually charge less when you do this.
  8.  A factor that is becoming more important in the decisions that you will make determining your automobile insurance is your credit rating. As such, it would behoove you to keep your credit rating high. (Duh.) That being said, it is illegal for an automobile insurance company to change the rates on you mid-policy so don’t worry if you have a sudden drop in credit for some reason. Also keep in mind that you are allowed to request that your insurance company check your score once a year. If your policy was written when your credit wasn’t so wonderful  and it has improved since then this would be a great idea. (Just remember that it works the other way too.)

While we realize that paying for automobile insurance is a fact of life that doesn’t mean that we have to overpay for it. Automobile insurance companies, like any business, cater to the needs of their customers. If you have proven yourself to be a good customer, have good credit and have few or no accidents you should be able to negotiate automobile insurance terms that are more to your benefit.

We hope you enjoyed this blog and that the advice and tips that we gave were helpful. Make sure to come back and join us soon for more excellent money-saving information and tips that you can use in your daily financial life.

Money Saving Gas Tips

If there’s anything that all of us can’t get enough of it’s tips on where to find cheap gas. With gas prices hovering around four dollars a gallon anything that can be done to lower the price or lower your consumption is a great idea. With that in mind we’ve put together a blog about where to find and how to find cheap gas. We hope it takes the sting out of your next trip to the pump. Enjoy.

No matter where you live in the United States the cheapest gas always seems to be in the same general area. For example, the outlying suburbs seems to be the place to find it if you live in a major metro area. Also, as you might well imagine, unless you live in an area that is very wealthy because you are wealthy it’s best to avoid affluent areas if you’re keen on filling up the tank. The reason is simple; people who live in affluent areas can afford affluent gas prices. Also, the price reflects the fact that the gas station is located in an affluent area as well and has to make up the cost of being there in I it’s prices.

Another gas station to stay away from no matter where you are is the one that sits right near a major highway or freeway. In many cases it can be well worth the extra time and effort to drive a few blocks or a couple of miles away.

Finding a gas station that always has lower prices is a good idea, obviously. These types of stations normally are associated with wholesale clubs, department stores or grocery stores. These retail outlets sell gas as a loss leader because it brings in customers for their main products. Many of these retail stores have membership programs and so you need to factor in the cost of that when determining if it’s a good enough deal per gallon for you to make the extra effort. In many cases it is and so if you have the opportunity you might want to check into it at your local wholesale club or grocery store. As a side note, when you have a gas station that is also an auto repair shop oftentimes the gas per gallon there is much more expensive.

A number of gas station chains have started giving coupons for discounts on your gas. You can find these on the back of grocery store receipts, on the Internet, in the mail and other locations. There are number of stations that will give you a lower price on gas when you purchase a car wash at the same time. Also a number of the major credit cards have cards that are connected with major gas station chains and will get you one to 2% back for every gallon that you buy.

Lastly of course if you want to use less gas then you should look into buying a more fuel-efficient vehicle and try to drive your car as little as possible. This isn’t always possible of course, but in many cases it is. With gas prices as high as they are, if you’re eager to save as much money as possible you have to be willing to do as much as possible to accomplish that task.

How to Avoid Buying a Dodgy Used Car

In 2012, the number one most complained about consumer issue to the Citizens Advice Bureau between April and June were consumers buying used cars from independent dealers which were rife with problems and not fit for sale. They registered more than 12,000 complaints, of which 8% were dealt with by the Citizens Advice Bureau. The majority of complaints were consumers that bought from private sellers and franchise dealerships. 1 in 10 complaints involved misleading information about the vehicle given by a salesperson. This and other issues amounted to the Citizen Advice Bureau callers spending a shocking £55 million on used cars through bad dealers and shoddy cars. So how can this big problem in the motoring industry be avoided?

used cars

 

Be cautious

When buying a used car from an independent dealer, always stand your ground and don’t be easily swayed into a deal as many dealers are also great salespeople. If the dealer wishes to meet in a remote location rather than at their home or business then it is likely that they have something to hide. Before you get too deep into a deal, ask to see some recommendations from past clients and don’t be afraid to walk away from a deal if you feel that something is not right. Do a vehicle history check such as an AA Car Date Check and also check that the VIN numbers match. This will ensure that the car isn’t stolen or cloned, written off from a past incident and simply stuck back together or if there are any outstanding finances. If there is any money owing on the car from another party, the car will belong to a finance company and not to you. Lastly, always take the car for a test drive to see how it handles and if the car is unlikely to break down after it has been purchased!

pic2222

 

Problems to look for

If you feel that you aren’t car savvy enough to make a clean cut deal by yourself, bring a qualified automotive person or mechanic to check the overall condition, focusing on expensive items such as the engine, emissions system, braking system and transmission. Because an extensive check on the whole of the car is timely and expensive, having someone to just verify the overall quality of the car will be sufficient.

Check for strange noises when taking the car for a test drive. Noises can occur when breaking, steering or going along a bumpy road. For example, hearing an unexplained rattling whilst simply cruising along a pedestrian road is not a good sign. Ask yourself if these problems (if they do arise) are deal breakers or bargaining aids when negotiating the asking price.

It is also best to check for signs of general wear and tear such as fluid leaks and rust build up, especially if it is an older car. Get right into the small nooks of the car where rust is likely to build up. Fluid leaks could be a sign that the car has experienced a critically damaging incident and should be treated as a concern.

Another area to look at is the cars drivability. Check for over and under steer and if the tyres are all aligned correctly.  If the car doesn’t handle well on the road, the problems which cause this are difficult to repair as well as costly.

pic333333

 

Common mistakes

The most common mistake that people make when buying a car is rushing into a deal. Used car finance issues can stack up so take time to consider factors past the initial purchase such as insurance costs and maintenance and repairs, especially when buying a problem prone classic car which are more difficult to repair due to outdated parts. Another big factor is how much gas your new car is going to guzzle. You are probably planning to run and use your car for quite a while so gas consumption can be a large factor when using your car on a daily basis. Finally, I know it is boring but it is important to think about practicality when buying a car. A shiny sports car may be want you want but it could disrupt your finances and you may end up having to sell it at a lower price a few months down the line.

SEO Powered By SEOPressor