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12/Nov/2019
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Buying a new car is an exciting and stressful process. From setting a budget to deciding what kind of car style you like to reviewing safety ratings, it’s easy to get overwhelmed. Thankfully, you’re not alone. There were over 17 million new cars sold in the United States in 2018. But what happens when you get off the lot and your brand new investment starts acting up? Worse yet, what do you do when you take it to the dealership and they can’t figure out what’s causing the problem? If you’re in Texas, you don’t have to stress. The Texas lemon law can protect your purchase.

 

What Is the Texas Lemon Law?

The Texas lemon law protects car buyers from unwittingly purchasing new cars that have substantial defects that hinder the use and enjoyment of the vehicle. This is a state law existing alongside the federal Magnuson-Moss Warranty Act. A car with specific defects that cannot be repaired or that keep the car owner from using their car for a specified period of time is termed a “lemon” and the car manufacturer is considered to be in breach of its warranty. At that point, the lemon law helps the consumer return the vehicle for a refund and/or helps the consumer receive compensation for certain damages they have incurred.

 

Who Does the Texas Lemon Law Protect?

The Texas lemon law covers owners of new vehicles purchased or leased from licensed Texas dealers or from lease companies. If people who meet these conditions have repeated serious issues with their new vehicles, then the law kicks in and the consumer is eligible to seek recourse. New vehicles are vehicles that are purchased straight from the dealership and that includes demo vehicles. Motor vehicles covered under the lemon law are cars, trucks and motorcycles.

 

What About Used Vehicles?

While some states’ lemon laws cover used vehicles, the Texas lemon law does not. One exception to the used vehicle exclusion, however, is if the used vehicle is still covered under the manufacturer’s existing warranty – not the extended warranty. Consequently, certified preowned vehicles purchased in Texas often qualify. If the used vehicle is still covered under the manufacturer’s warranty, then you can use the Texas lemon law to compel the manufacturer to repair any issue that arises under the warranty. Note that the car must be titled and registered in Texas in order for a used car consumer to seek relief under the lemon law. What if you’re outside the warranty? If you’re considering purchasing a car that’s outside of the manufacturer’s warranty, then it’s imperative that you take steps to protect yourself. First, run car history reports from multiple providers – sometimes report providers do not have the most up to date information about the vehicle. Then spring for an inspection. Remember, an inspection is much less expensive than buying a car that turns out to be a total loss. The Texas lemon law is also not your only recourse when you purchase a vehicle that turns out to be a lemon. The Texas Deceptive Trade Practices Act picks up where the lemon law leaves off. If you believe the dealer misrepresented the condition of the car, then you can potentially use the DTPA to recoup your loses.

 

What Makes a Vehicle a Lemon?

There are several tests, or legal standards, that a court uses to determine whether your vehicle is a lemon. You don’t have to pass all the tests, so long as you can demonstrate that your car passes one of these tests and that you have allowed the manufacturer a reasonable number of attempts to repair your car.

 

The Four Times Test

You have to take your car to the dealership for repair four times or more for the same substantial defect within the first two years or 24,000 miles of ownership, whichever comes first. If you have done this and the problem still exists, then your vehicle can be classified as a lemon.

 

The Serious Safety Hazard Test

This test refers to a life-threatening malfunction that keeps you from using your vehicle as you normally would or that creates a risk of fire or explosion. Your car is classified as a lemon under this test if you have taken your vehicle to the dealership for the repair of a serious safety hazard two or more times during the first two years or 24,000 miles of ownership, whichever comes first and the problem hasn’t been fixed.

 

The 30 Day Test

The 30 day test allows you to classify your car as a lemon if it has been out of service for repair due to a defect that hinders you from using the car or reduces the market value of your car, and that defect is covered under the warranty. If this defect has caused your vehicle to be out of service for repair for a total of 30 or more days during the first two years or 24,000 miles of ownership and the problem still exists, then it is a lemon. This test also requires that the dealer failed to give you a comparable loaner vehicle.

 

How Does the Process Work?

In order to file a claim under the Texas lemon law, you must first send written notice to the manufacturer and give them the opportunity to repair the defect. You should make sure to obtain a repair order each time you take it in for repair, even if the problem isn’t fixed. Gather together all supporting documents such as the purchase paperwork, and any documentation of repair attempts. Lastly, you file a written complaint and pay a $35.00 filing fee. You must file your claim within six months following the earlier of the expiration of the warranty, 24 months after the purchase, or 24,000 miles following the date of delivery. Once you file your complaint, it may go to a hearing before an administrative law judge who will determine whether your car is a lemon. Bring all supporting documentation and witnesses with you to your hearing. Texas attempts to have all hearings within 150 days after receiving your complaint. If the 150 day period expires, then you can use the lemon law in a court of law. Unfortunately, reporting a lemon to the state of Texas and receiving compensation for your lemon can be a rather costly process. Fortunately, buying Lemon Proof prevents you from having to pay thousands of dollars in attorneys fees and other out of pocket costs to pursue your claim against the vehicle’s manufacturer. Lemon Proof pays all attorney fees for you saving customers thousands and thousands of dollars if their car turns out to be a lemon. If you have additional protection such as Lemon Proof, Lemon Proof will file a report that your car is a lemon in addition to the process mentioned above. You will have to describe the problem you’re having and give information about the dealership that has been servicing the car.

 

Worried Your Car Is a Lemon?

Purchasing a new car is no small investment. There’s nothing worse than finding that your big investment could potentially be a big loss. Contact us today to buy Lemon Proof protection.


12/Nov/2019
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If you’re the type who enjoys a little adventure in their life, then an exotic car probably appeals to you. These unique mechanical monsters tore up the roadway generations ago, winning not just races, but hearts and minds as well. Exotic car dealerships are rare but offer the sort of hard-to-find cars collectors crave.

 

1. Audi R8

The Audi R8 seems quite unassuming compared to most exotic cars. Not only does it not look much like an exotic car, but it’s also cheaper than most. Looks can be deceiving however, and this car embodies that wisdom. Some Audi R8 versions can go from zero to sixty in 3.2 seconds and have a top speed of just over 200 mph. On the subject of new cars, if you’re looking for ways to protect your new car purchase, contact us.

 

2. Porsche 911

Like many other cars on this list, Porsche 911s have been around for quite a while with many different models available. One model, the Turbo S, can reach sixty mph in less than three seconds. It’s not quite as fast as an Audi R8V10, but the difference in miles per hour can be counted on one hand. The biggest difference between the Porsche 911 and the Audi R8 is that the Porsche 911 was built to look like an exotic car. Unfortunately this is also reflected in the price tag of the newest models, which can be as high as $200,000.

 

3. Dodge Viper

The Dodge Viper is a classic amongst exotic cars, famed for its great performance and iconic appearance. When we hear the word Viper we think of the long front end and the short, curved top, as well as the optional, but customary, racing stripes down the middle. The first Viper debuted publicly in 1992, and from its inception was a supercar. Almost everything was stripped out of it in order to cut down weight and boost speed. Even so, the car could only go about 165 mph. These days, you can get an affordable Viper with a higher top speed. A new one may be expensive, but there are plenty of older models that are more reasonably priced and seem to have aged well.

 

4. Aston Martin Vantage

A staple of every James Bond movie, Aston Martin was the company that launched British cars to fame. Its makers like to advertise the Vantage as a predator, and it sure looks like one. The veteran among exotic cars, the Vantage was born in 1951 and still hasn’t lost its bite. One of the most recent models built in 2017 can go from 0-60 in three-and-a-half seconds. It can reach a top speed of 195 mph.

 

5. Maserati GT

Maserati hails from the country of Italy, famous for exotic cars. Fiat owns both Maserati and Ferrari. These two car manufacturers often share parts with each other. In the Maserati GT, Ferrari made the engine. A new Maserati GT is somewhat expensive, and can’t achieve the same speeds as most exotic cars. The top speed of a Maserati GT is less than 190 mph and it takes 4.8 seconds to get from 0-60.

 

6. McLaren 650S

McLarens are the height of luxury and often sell for jaw-dropping prices. However, these beasts are far from all bark and can reach a top speed of 207 mph. The McLaren 650s is a newcomer to the group, making its debut in 2014. Despite its recent claim to the title of exotic car, it’s held its own quite well.

 

7. Mercedes-AMG GT

Mercedes Benz is a German car company and AMG is the name it uses for its performance models. Simply put, AMG is the Batman to Mercedes’ Bruce Wayne. Both are charming, attractive and have a thing for luxury, but the AMG GT is sleeker and more athletic. It can reach top speeds of just under 200 mph and will cost about $130,000, which isn’t as expensive compared to some of the other cars on this list.

 

8. Bentley Continental GT

Those familiar with Bentley know that they tend to be pricey, and a new Bentley Continental GT is no exception. The good news is that these cars have been around in some form or other for some time, so finding an older, more affordable model can be done. Many of these cars look nothing like supercars. Some even have four doors, just in case you have three friends who are willing to sign contracts without reading them too closely. This last part is important, because if you take friends for a drive going 200 miles per hour without warning them first, they may stop being your friends.

 

9. Lotus Esprit Turbo

The Lotus Esprit Turbo was the car that the 1980s built. The original model was released in the mid-70s, but it didn’t win any popularity contests until the 1980s. Before 1980, it had a very slow engine, and as a result wasn’t fun. When the ’80s hit, the makers put in a turbo engine, making it capable of going 150 mph, which, back then, was pretty good. Now the car was fast, futuristic, flashy and fun, just like the decade it came to represent. You can still buy these cars, and given their age, they should be relatively inexpensive not to mention vintage.

 

10. Lamborghini Aventador

The Lamborghini Aventador was released in 2011 and delivers everything you’ve come to expect from the company. It’s pretty, glamorous, and fast – really fast! The Aventador delivers top speeds of up to 217 mph, a whole ten miles per hour faster than any other car on this list. With speed and luxury comes a hefty price tag. Even the oldest models will cost you close to $400,000. Is such an unbelievable car worth that big of an investment? That’s for you to decide.

 

Great Car Dealerships Near Me and What They Have

“I don’t have a lot of great car dealerships near me”  seems to be a common complaint among car enthusiasts, and it’s true. Some of the best cars can be difficult to find. The good news is that the digital world is here to help. So many great cars are just a click away. We’ve mentioned only a few of them here, and we encourage you to do more research if you’re interested. If you want to know more about cars or just want to protect them, please visit our site. We can give you some advice on the advantages and disadvantages of new and used cars.


12/Nov/2019
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So you’ve finally tracked down the perfect car. Now comes the hard part: negotiating the price. Buying from a car dealership can be a serious ordeal. You may have to navigate pushy salesmen, nickel-and-diming, and overinflated prices. But you don’t have to let yourself get taken advantage of. There are several things you can do to help you negotiate for the best price. You don’t have to go into negotiations powerless. Here are some tips to level the playing field.

 

Set Your Budget-And Stick To It

Before you go shopping for a car, decide how much you can afford to pay for a new car. Set your budget before you even set foot on a car dealership. Be aware that the salesperson might try to squeeze every extra penny out of you that they can. They’ll try to offer extra features like leather seats or satellite radio to get you to pay more. Don’t fall for it. Set your top dollar, and refuse to go over it-no matter how much they try to sweeten the deal to make you pay more.

 

Know What You’re Buying

In order to know if you’re paying a fair price for a car, then you need to know what the car is actually worth. This is a lot more than just knowing the year, make, and model. Dozens of factors can affect the overall price of a car, including:

·        miles on the odometer;

·        condition of the body;

·        repair history;

·        custom additions;

·        limited features.

There are several ways you can determine the worth of your vehicle of choice. One of the most reliable is the Kelley Blue Book. The KBB website has an online tool where you can input the year, make, model, condition, and mileage of a vehicle to calculate an accurate price range. If you have access to the VIN (Vehicle Identification Number), you can order a vehicle report history from CarFax. This will show a history of all of the previous owners, as well as any repairs that have been done on it. A single report is around $40, but that’s a small price to pay when compared to the money you could lose if you buy a lemon.

 

Look At the Whole Picture

When you’re talking about financing a car, there are a lot of numbers swirling around. But in the middle of negotiations with a salesperson, they might try to distract you by focusing on the monthly payment. They’ll try to fix your attention on how little you’ll be paying each month. But if you’re not careful, you could find yourself paying agreeing to a high-interest loan over several years. That low, low payment can add up to an incredibly inflated total cost. Especially after you factor in fees and taxes. Never lose sight of the total price. Whenever the salesperson throws out a monthly payment, calculate the overall cost. Never agree to a monthly payment that takes you above your budget!

 

Avoid Costly Add-ons 

A lot has changed since the first automobiles rolled onto the streets. Those early cars were little more than unadorned carts on wheels. The thought of a car stereo would be foreign to early drivers, let alone a cup holder. Now, there are all sorts of add-ons that can turn a car into a luxury road-cruiser, from heated seats to infotainment consoles. However, these luxurious add-ons can add up.  That leather interior might seem like the height of class, but you might have to settle for a car in worse condition if you want to stay in your budget. When you’re shopping at a car dealership, the salesperson will try to add extra features to sweeten the deal – and raise your price. Resist this temptation; in a few months, you’ll forget heated seats were ever an option.

 

Timing Matters 

What time of year are you shopping for a car? It might sound surprising, but that can matter a lot. Car salesmen often have regular goals and quotas that they have to hit. And if they haven’t hit those goals that month or quarter, they’ll be a lot more inclined to accept a lower offer. Additionally, car dealerships need to pay taxes on inventory left through the fiscal year. If you go to a dealership toward the end of the year, you could end up saving thousands of dollars.

 

Remember It’s Not the Only Car Dealership in Town

So you’ve done your homework, resisted additional add-ons, and stuck to your budget. And yet, the salesperson refuses to budge. Just walk away. You may have your heart set on this car in particular. But this isn’t the only car on the market. And this isn’t the only dealer. If this dealership won’t play your rules, you can go to another one that will. Besides, many dealers get motivated at the sign of your leaving. Your exit might give them a sudden change of heart.

 

Worried About a Lemon?

Getting a great deal on a great car at a car dealership can be an absolute thrill. But if that car turns out to be a lemon, that thrill can turn into a nightmare. But never fear: you can protect yourself  by purchasing a Lemon Proof Contract. For more information about how our Lemon Proof Contract, check out our FAQ.


12/Nov/2019
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People say when life gives you lemons, make lemonade. But when you buy a car that turns out to be a lemon, it’s tough to remain optimistic. But not all lousy cars automatically qualify as a lemon. And this term is used loosely to describe both new and used vehicles. Find out how to protect yourself from owning a lemon car and how to recoup your losses if you do.

 

The Lemon Law

Dubbing a car a “lemon” isn’t just a cute catchphrase. There’s actually a law that protects consumers who purchase an unsafe vehicle unknowingly. Lemon laws vary from state to state but the basics are the same. Under most laws, a vehicle must meet two requirements to be considered a lemon:

1.       Experience the same, significant defect (covered under warranty) within a certain time of purchase.

2.       Continue to experience the same defect after several attempts to repair it.

Most lemon laws only apply to new vehicles, but there are some exceptions. If a used car has less than 24,000 miles on its odometer and was purchased within two years of original delivery to the dealership, it may qualify as a lemon. In addition, if the customer receives an express written warranty from the car dealer, the lemon law may apply depending on the state in which the vehicle purchased.

 

Protecting Yourself Against a Lemon Car

Prevention is key to avoid falling victim to buying a lemon. Don’t make a hasty decision about something as important as buying a new car.

 

Do Your Research

As the buyer, it’s your job to research the type of car you’re buying. There are a few ways to go about this. Once you decide on the make and model of the car you want, start reading reviews and consumer reports. You won’t be the first person to buy this exact car, and unhappy buyers are often more than willing to offer their horror stories online. The National Highway Traffic Safety Administration lists all recalls reported for specific vehicles. Check these reports to see if the car has had a recent recall. If so, the issue should be fixed before you close the deal. Did you know that the window sticker on all vehicles tells you a lot more than just the price? The Federal Trade Commission requires dealerships to post the Buyer’s Guide on all vehicles for sale. The Buyer’s Guide lists all kinds of valuable information for buyers. Here you’ll find if the vehicle is being sold “as is”, what the warranty policy is, and what percentage of repair costs the dealership is obligated to pay. Take the time to read the sticker and save yourself aggravation down the road.

 

Inspect the Car

This is a basic rule for buying any car, new or used. While it may seem tedious, take plenty of time to inspect every inch of the vehicle. Many buyers are fooled into thinking a new car is in perfect condition. This isn’t always the case. Walk around the exterior of the vehicle and check the paint, tailpipe, and tires. Check for chipped paint or mismatched parts. This is a sure sign the vehicle has been in an accident or received recent repairs. Take a minute to look under the hood and inspect all hoses and wires. The tires should have minimal wear and tear across the width of the tire. If there’s more wear at one part of the tire (center or sides), it means the tire was either over or under inflated. Inspecting the shell of the car is important, but don’t forget to take a look inside. Check any obvious wear on the pedals, seat belts, or fabric. These could be signs that the vehicle was either in an accident or not properly maintained.

 

Take It for a Test Drive

Giving the car a once over with your eyes isn’t enough to spot a lemon. The best way to test a vehicle’s safety is by taking it for a drive. Take notice of how the brakes and gas feel. Does the engine make any loud or strange noises? Do the signals, windshield wipers, and other mechanics work properly? Whenever possible, take the vehicle on a nearby highway or road where you can get it up to speed. A quick spin around the block can easily hide major issues with how the car runs.

 

Have a Backup Plan

Even the most diligent car buyers have sometimes been stuck with a lemon car. The best way to protect yourself is to invest in a protection plan. Consumers can pay as little as 50 cents a day to protect the purchase of a new vehicle. If the deal goes sour, the protection plan can help recoup some of your losses.

 

Document All Interactions

The proof is in the documentation. Because one of the stipulations of a lemon car is that the dealership tries to repair the issue several times, it’s important to keep detailed records. Keep a journal where you document the date and time you experienced the issue. More importantly, document all interactions with the dealership. Take note of the dates and times you called to report a problem and the name of the person you spoke to. If repairs are performed, save all receipts and dates. The more information you have, the better when it comes to qualifying for the lemon law.

 

Avoid a Sour Deal

Car dealerships and salesman can sometimes be less than forthright. While they may not lie to customers, they aren’t always forthcoming in every case. As a consumer, it’s wise to protect yourself against buying a lemon car. Doing your research and performing a careful inspection beforehand can save you time, money, and aggravation. Lemon Proof is a cost-effective way to protect yourself against the unknown. Contact us today for more information so you can buy your next car without worry.

 


12/Nov/2019
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Dealerships around the US are set to sell more than 17 million vehicles in 2019 according to the website Statista. Owning a vehicle can have a positive impact on your personal and professional life. It gives you the freedom to attend meetings, social gatherings, and other events. That said, choosing the right car is not easy. There are dozens of manufacturers and hundreds of models to choose from, each catering to different tastes and demographics. You need to invest a lot of time and think about every single thing that will affect your comfort. With this in mind, there are many traits that great vehicles share. Selecting a known brand will help ensure that you choose a great car. Honda is one great example. The Japanese company has a great reputation for manufacturing reliable vehicles, according to Business Insider.

 

Why Buy a Honda Vehicle?

There are many reasons why Honda is a great brand. The company is more than 7 decades old and produces some of the most iconic cars today including the Accord, Civic, Fit and more. Some of the reasons you should purchase a Honda vehicle include:

 

Reliability

Vehicles that come from the Japanese manufacturer are very reliable. They are unlikely to break down, which is one of the reasons they are always in high demand. Although no brand is lemon-proof, Honda may be the closest thing to it. They provide a great driving experience. Not to mention the fact that they feature a comfortable interior design. As for mechanics, Honda vehicles are both safe and fuel efficient as well.

 

Durable

If you provide the proper maintenance, Honda vehicles can last for decades. Honda issued a report in 2014 stating many of their vehicles made between 1988-2012 are still on the road. It’s still common to find people driving Honda cars from the 1970s or earlier. Their city vehicles provide great mileage. Their outdoor range is powerful and features components suitable for active lifestyles.

 

Affordable

Honda models are much more affordable than luxury and European brands like Lexus and Volkswagen, according to USA Today. And, because they are durable and reliable, you’ll save money on repairs too.

 

How to Find Honda Car Dealers Near Me

There are many car dealers in Texas that carry Honda vehicles. But, not all of them offer competitive prices. At the same time, not all of them will carry the specifications you’re looking for. In order to find the best Honda dealership in your area, you should:

 

Research the Available Options

The first thing you should do is research the dealerships in your area. The internet is a great tool for this. You can run queries in search engines and identify potential dealerships. You may find dealerships that are very close, but you shouldn’t stop there. Try to have a friend or family member agree to take you car shopping. That way you can widen the scope of your search as well.

 

Set Your Ideal Budget

You should set an ideal budget that matches your needs and circumstances. This will dictate the condition of the car, the year model, and other basic parameters. You should always aim to find a vehicle that fits within the budget you set at the beginning. Even if it takes time, you should be able to find a suitable option.

 

Examine Your Finances

If you don’t have the amount of money you need to buy the car you want, examine your finances. You can work out a plan and either save up some money or seek financing. If you have good credit, you can go through a financial institution. If your credit is not stellar, try to find a dealership that offers financing options. They may provide more interest, but you have a higher chance of approval.

 

Visit Different Dealerships

Once you finish your research, it’s time to visit different dealerships. Always obtain more than one quote for the vehicles you’re looking for. Also, compare additional features or add-ons that come with the deal.

 

Always Try to Negotiate

Depending on the dealership, you may be able to bargain for your vehicle. This may not be the case if you’re looking for a new car. But, it’s always an option with second-hand vehicles.

 

Think About the Purchase Price, Not Monthly Payments

If you’re choosing to finance your car, you’ll have to make monthly payments. This can entice you to get a more expensive car than you first set out to. If this is the case, you’ll also end up increasing the overall purchase price even if it doesn’t seem like it. Always think about the purchase price before you buy a car. It will help you maintain a realistic approach even if you’re getting a loan.

 

Remember Insurance Costs

All vehicle owners have to have insurance. And, insurance can be expensive. Remember to include these additional expenses when shopping for a new ride.

 

Ask for a Test Drive

The majority of people ask for a test drive. This is a smart move because it allows you to get a feel for a car before committing. You should always test drive a vehicle in order to test out its comfort levels and handling.

 

Find the Right Vehicle Today!

Getting the best car is not always simple. There are thousands of options available and different elements that affect your purchase.


12/Nov/2019
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If you’re looking to visit a Suzuki car dealership in the near future, go prepared. Overzealous salespeople can make finding the perfect car for your needs tough. A car salesman can give you some advice, but they cannot and should not decide for you. This guide can apply to any car dealerships that finance near you, with less focus on model comparisons. Get yourself in the perfect mindset, do your homework and you’ll walk out a winner.

 

10 Things to Know Before Visiting a Suzuki Car Dealership

This list is in order of importance and outlines steps you should follow before committing to purchase a new Suzuki or any other vehicle.

 

1. How You Will Finance

Do you plan on buying your car in cash, financing the purchase, or leasing? How much money can you put down on a lease or as a down payment? What is the maximum monthly payment you can afford? You should know the answers to all these questions before stepping foot in a Suzuki car dealership. Even if you have good credit, set a hard monthly budget for your car. Dealerships will respect these parameters and you’ll experience fewer surprises during the signing.

 

2. What is Your Credit Score?

When was the last time you checked your score? Remember, the free credit checks online aren’t the only credit ratings out there. Dealerships often use their own credit agencies to calculate scores. Your credit score will affect the interest rate lenders will quote for a new car purchase.

 

3. Read Reviews Everywhere

Know the Suzuki models that you’re interested in. Research professional reviews, amateur opinions, and ownership feedback. Some models can change drastically based on different parts and engine specifications. There are many Suzuki models that rank as the best in their class. These cars excel in many categories, but they may not win awards for looks, luxury, or power. The key is to avoid buying a lemon, aka a car that looks good but has a serious unfixable defect. Many members of the Suzuki community will report a lemon and where they got them.

 

4. Get Multiple Quotes

If you’re looking for the best deals, you’ll need to widen your search. Get multiple quotes for the Suzuki cars that you’re interested in. Price compare and use the differences to negotiate better deals. You can start with the Kelley Blue Book value and look for a lower quote. Take that initial quote and shop it around to other dealerships. This keeps dealerships honest and more willing to earn your business. Even if you don’t get much lower quotes, you may be offered more accessories and incentives.

 

5. Down Payments and Trade-ins

Putting down a sizeable down payment or trading in your old car will make a huge difference in your monthly payments. You may be able to afford a newer car or qualify for a brand new car. Go into the dealership already knowing the Kelley Blue Book value on your car(s). Don’t accept scraps for a car because you’re trading it in for a new one.

 

6. Take It for a Spin

Are you fully convinced that the car you’ve dreamed about is the perfect fit? Test it, drive it, and be reasonably certain it is the car for you. In fact, test drive at least two different models before you purchase. You need to be sure your new purchase doesn’t have any hidden mechanical issues. Small squeaks, rattles, or abnormal smells could belie bigger issues.

 

7. Get A Car History Report

Auto histories are very important to get a clear picture of the car’s condition. If it’s brand new, you should have nothing to worry about. If it is a used car with no documentation, you might be in trouble. Cars that have passed through multiple owners should be carefully scrutinized. Cars that have been in accidents are also high-risk purchases. Even small accidents could throw things off, reduce the longevity of a car or signify the car wasn’t adequately repaired and was traded in because of that fact.

 

8. Crash Test Ratings

Know the detailed scoring of the Suzuki model you’re interested in. Sometimes cars can get passing scores, but fail in certain areas. Don’t compromise safety for other aspects of the car. Consistently, the National Highway Traffic Safety Administration conducts crash tests on new vehicles and rates their execution in its 5-Star Safety Rating test. Five stars show the most elevated security rating and one star the least. You can discover the NHTSA security details on the web and on new-vehicle window stickers.

 

9. Bring a Professional

If you’re not car-savvy, bring someone who is. You can hire an inspector to perform a thorough examination. The upfront cost is worth the peace of mind. If you absolutely can’t afford the price of a pre-sale inspection, bring an experienced friend. Having a second pair of eyes and opinion will protect you from potential predatory sales practices.

 

10. Legal Protections

In-house financing car dealers cannot knowingly sell you a broken car. If you drive a car off their lot and it breaks down shortly after, you might have legal protection available to you.

 

Lemon-Proof Your Purchase

If you follow these ten steps to protect yourself, you’ll avoid a lot of grief. Come prepared to a Suzuki car dealership and you’ll garner respect. Don’t car shop without a plan. Instead, walk in with a list of needs and reasonable expectations. Being secure with your opinions and decisions is key. If you are considering a new vehicle purchase, you can purchase Lemon Proof coverage here. This is not an extended warranty. Instead, it protects new car owners who end up with a lemon. It saves such owners thousands and thousands of dollars and Lemon Proof protects every new car owner, no matter their credit history.


12/Nov/2019
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The process of getting rid of your old clunker and acquiring a new vehicle can be daunting, but it’s also exciting. That goes double if you know what you’re doing when it comes to whether or not to trade in cars. We’ve looked at the pros as well as the cons, so we have your ultimate guide to trading in cars. Find out if it’s worthwhile, and learn the best way to go about a trade in to make sure you get every penny possible.

 

First, Do Your Research

Before you even start looking at new cars, you’re going to want to do your homework. A good place to start is the Kelley Blue Book. Plan to spend a few minutes entering information about your car into its user-friendly calculator — and be honest. If your car isn’t in great shape, don’t inflate its condition to get a higher estimate. You will see that Kelley Blue Book offers three different values: trade in, private party, and retail. Those first two are the ones you should pay attention to. (Retail is what the dealer can expect to sell your car for — you will not get that price when you sell it.) If you’re really into research, compare the KBB prices with those on Edmunds.com, and maybe even glance through the local classifieds to get a sense of how the used car market is where you live. Now, armed with this information, you can head to the dealer.

 

The Dealer Will Lowball You

This is simply a fact of life. Don’t be surprised if the dealer offers you less than you think — or know — your used car is worth. But before you start to feel morally outraged, look at the transaction from the dealer’s point of view. He is going to fork over money to get your car into a saleable condition. That means giving it a thorough inspection, fixing any problems that might be lingering under the hood or in the wheel wells, and completely cleaning and/or detailing it. If your car is a little long in the tooth, expect the offer to be particularly low. Most dealers don’t want to bother with vehicles that are more than, say, five years old. Why? Simple: they’re aren’t in demand like late model cars are.

 

Tips on Negotiating the Trade-in Price

If you walk into a dealership and announce that you’d like to trade in your car as a down payment on a brand new vehicle, the dealer will see dollar signs. What a wily dealer will do in this situation is give you a “too good to be true” trade in price — you’ll be hard-pressed not to see dollar signs yourself. But make no mistake. You are not getting that high figure because your 2008 PT Cruiser with the busted suspension is worth a lot of money. It is because the dealer’s going to compensate for the trade in offer when he quotes you the price of the new car. Now, this tactic isn’t necessarily a terrible thing. You may want to get the whole shebang dealt with quickly and easily. If you can still afford the monthly terms once your trade in has covered the down payment, then great! Just know that you are paying for the convenience of handing over your keys. One tip to help you get the most of your money is to keep quiet about your plans to trade in until you’ve settled on the new car price. Negotiate as though you had a cash down payment. If the dealer asks you what you expect from the trade in, turn the question back to him. Ask what he can give you. That helps you establish your ground. It’s also OK to stand that ground. If you don’t like the terms, you can always try another dealer. And chances are that if you start to walk out, the dealer will lure you back in with a slightly better deal. That’s just how the haggling happens.

 

What Other Options Are There?

Remember that you can always sell your car to a private party. This will still require haggling, as well as the hassle of meeting up with potential buyers. You may want to spend some money and time getting the vehicle in tiptop condition, to get the best return. Of course, you can always sell a junker “as-is” to someone who’s happy to put in the elbow grease in return for a lower cost. Donating the car to a charity — or handing it down to a relative or friend who is in need — are other options. In the first scenario, you’ll get a tax break. It won’t be close to the trade in value, but it’s something. And with both of these moves, you can feel good about helping others in need.

 

Is It Worth Your While To Trade In Cars?

Unfortunately, the answer to that million dollar question is “it depends.” Trading in cars is likely worthwhile if you meet one or more of the following criteria:

·        You are depending on the value of the trade in to serve as your down payment for a new car

·        You don’t have the time or the desire to sell the car to a private buyer

·        You just want to get the whole thing over with and don’t much care about getting the maximum value for your old car

Buying a new car and want to ensure that you won’t get stuck with a lemon? Contact Lemon Proof to learn why it’s a great idea to lemon proof your new ride.

 


12/Nov/2019
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In 2017, 107 million Americans had car loans. The number of people choosing to finance has grown in recent years, even as interest rates go up. What is financing? For most people, it’s the only way to buy a new vehicle. Our guide will show you more about this option and whether it might be the right choice for you.

 

What is Financing?

You’ve probably heard someone talk about financing their car. You may have even seen ads on TV or on a website talking about great deals on financing. What does finance mean in this situation? Your friend is actually talking about taking out an auto loan to buy a new vehicle.

 

The Fundamentals of Car Loans

An auto loan is almost like any other loan: you apply for the amount you need. If the lender approves your application, you receive the money. Like other loans, a car loan comes with terms and conditions. Most loans charge interest. Almost all have penalties if you miss a payment. Loans are structured to be paid back in installments. Often this will be a monthly payment. It could also be a bi-weekly or even weekly payment. Auto loans are paid back over a period of years. Your interest rate is locked in during this time, so it won’t change.

 

How to Get a Car Loan

Few of us have $10,000 or $20,000 just lying around. A car loan can put a new car in reach. Where can you get a loan for your next car? You have a few options. Banks and other financial institutions offer car loans. Some consumers don’t qualify, however. You’ll need to have a good credit rating. If you don’t qualify for an auto loan with your bank or you have bad credit, you’re not out of options yet. Many dealers also offer financing. Some offer subprime auto loans, which are available to those with bad credit. If you don’t have a credit history, you may still qualify for a subprime loan.

 

Down Payments, Interest Rates, and Loan Terms

When you apply for a loan, you must provide the lender quite a bit of information. You’ll likely need to negotiate on the loan amount, the interest rate, and the length of time for the loan. If you’re planning to buy a new vehicle, a loan specialist can help create a repayment plan that works for you. Remember, you have to pay the auto loan back, so you want to make sure the payments are manageable. You can make payments more manageable by taking out a smaller loan. If you have some funds of your own to put toward buying the car, you can use these as a down payment. You may also be able to stretch the payment period out over a longer time. Most car loans are between two and five years, but some lenders will offer seven years. Finally, the interest rate can also make the car more or less affordable. A high-interest rate will increase your monthly payments. Subprime loans usually come with higher interest rates.

 

What Lenders Consider

What information will lenders need when you apply for a loan? You’ll need to provide:

·        Employment information

·        Annual income

·        Information about other debts

·        A credit report

Lenders consider the applicant as a whole person, so they’ll even want to know if you’re single or married. This helps them determine if you’re likely to be able to pay back the loan.

 

Shop Around for the Best Deal

If you’re considering a loan for your next auto purchase, don’t make the mistake of picking the first lender. You can shop around to find the best deal for your loan. If you have no credit history or bad credit, you’ll have more limited options but you should still ask more than one lender about loan options. One lender may be willing to loan you more, while another may have a better interest rate. Finding a loan that works for your budget should be your top priority.

 

Protecting Your Purchase

Auto financing is a great idea if you can’t afford to buy a vehicle on your own. But what happens if you get into an accident? You’ll want the right insurance. Insurance can help you cover the costs of getting a new vehicle. If you still have an amount owed on your loan, you may be able to cover it with the insurance payment. Another good choice is insuring the loan itself. If the vehicle is damaged beyond repair in an accident or fire, insurance may cover the loan. Insurance may also help repay the loan if you happen to become sick or disabled. What happens if the car you buy with your auto loan turns out to be no good? You should consider protection designed for this situation. If the car you buy turns out to be a lemon, a contract could save you thousands in attorney fees and more.

 

Learn More Before You Buy

Now you’ve answered the question, “What is financing?” and you have a working auto loans definition. What else should you know before you buy your next car? On our blog, you’ll find plenty of car shopping advice so you can get the best deal with your next car. You’ll also find more about how you can protect your investment. Buying a car doesn’t need to be stressful.

 


12/Nov/2019
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More than 17 million cars are sold in the United States every year. When the time comes to buy a new vehicle, you should take care to avoid making mistakes. The last thing you want to do is rush through the buying process and end up with a lemon on your hands. Researching the various vehicles on the market can make all the difference. For most car buyers, saving money is a primary concern. One of the best things you can do when trying to reduce the price of a new vehicle is to trade in your existing car. Trading in your old car can help you save money on your new car purchase while getting rid of an unwanted car. Most car dealerships welcome trade-ins and will pay for your vehicle. The following are some of the things you need to consider when trying to have success with trading in a car.

 

Assess the Vehicle’s Value

There are a variety of online tools that can make assessing the value of a used car much easier. Visiting the Kelley Blue Book or AutoTrader website is a great idea. With this information, you can ensure that a fair deal is made. These websites feature helpful information that will make the vehicle trade-in process much easier. The time and energy invested in doing this research will definitely be worth it in the long run.

 

Know When to Make Your Trade-In

Most car owners don’t realize choosing the right time to make a trade-in can help them get more money for it. For example, if you have a convertible you’re trying to trade in, you’ll get less money back during the winter months. You will also need to take time to follow the current trends in the car buying world. When gas prices begin to increase, most people want to trade in their gas guzzler for a more fuel-efficient vehicle. Arming yourself with the right information will help you get what you want for your trade-in.

 

Make Sure the Car is in Good Shape

The first thing car buyers notice about a vehicle is its curb appeal. This is why you need to make sure your trade-in is clean and ready to sell. Offering a vehicle that is dirty and damaged will make it difficult to get a good price on it. Most car dealerships want a car that they have to put very little work into. If you don’t have the time or patience to clean your vehicle thoroughly, hiring a detailing service is a fantastic idea.

 

Trading In a Car Can Be Easy with Maintenance Records in Hand

The only way to keep a car running efficiently is by properly maintaining it. Making sure all of the fluids in a car are checked and changed regularly is essential. Every time you have maintenance performed on a vehicle, keeping extensive records is important. Having a detailed backlog of maintenance records will serve you well when the time comes to trade in the vehicle. Most dealerships want to ensure the vehicles they invest in have been properly maintained. Showing them the maintenance records will show them verifiable proof that your vehicle is in good shape.

 

Negotiate the Trade-In Price Separately

Often times, car buyers will need to treat a vehicle’s trade-in as a separate issue. Bundling the trading-in of one vehicle and the purchase of another can often lead to you losing money. Once you have an idea of what a car dealership will give you for your trade-in, you can assess whether or not you’re getting a good deal. You’ll need to take some time to shop around at other dealerships to ensure they can’t match or beat the current deal you have on the table. Most car dealerships will work hard to beat the price of a competitor to gain a new customer. With a bit of work, you can get top dollar for a trade-in.

 

Get to Know the Dealerships in Your Area

The key to having a good car buying experience is working with a reputable and experienced dealership. There are usually a variety of car dealers in a metro area, which is why a person needs to do their homework before selecting one. Going online and looking at the reviews a particular dealership has received is crucial. This information will make it easy to select the right dealership in your area. Settling on the first car dealership you come across may lead to you missing out on a great deal or a higher trade-in value. Visiting each of the car lots at your disposal will give you a firsthand look at the car selection and professionalism they have.

 

Make Trading In a Vehicle Easy

Working with the right professionals can make the trade-in process much easier and stress-free. Are you looking for a way to protect yourself if you end up with a lemon? If so, be sure to contact us now to find out how we can help.


12/Nov/2019
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To lease or buy? It’s a question that everyone faces when shopping for their next car. Today, it’s a relevant question as leasing is more attractive than it once was. Consumer results show that opting for the lease has gained popularity over the years. Today, more than 30% of vehicles get leased instead of purchased, up from 17 percent in the early 2000’s. So, which is better? The answer is not that cut and dry. It has a lot to do with the buyer and their personal situation. It requires some consideration before you decide. Knowing the pros and cons of leasing a car can help car shoppers make the right choice. So, let’s dive in! Here are the most important considerations when you’re thinking about leasing a car.

 

The Pros of Leasing a Car

Leasing is renting a car for a long term, usually 2 or 3 years. They tend to be much easier to close than a traditional sale, too. Here are some of the best reasons to take a lease over buying a car.

 

1. No Hassle Transaction

Haggling for a new car is a major stressor for most people. With a lease, there’s no need to negotiate. The car is worth what it’s worth, and that doesn’t affect the terms of your lease. The lease is a deal that is already written. You like the terms, you sign the lease. This makes for an easy, stress-free transaction.

 

2. Lower Payments

Leases come with lower payments than a traditional car purchase. This is because the car depreciates over the course of the lease. If you can afford the payment, it may be a good option for you. Leasing can be a good option for consumers who need a higher quality car at a lower payment. However, don’t make the decision based on payment alone. It may not be the best choice when you consider other factors.

 

3. Easy Trade Outs

At the end of the lease, you bring the car back to the dealership. Then you have the option to buy that car or sign for another one. This is a perk for people who love to trade cars after only a couple of years.

 

4. Factory Warranty

Hands down the best benefit of leasing a car is that it remains under factory warranty. That means you take it back to the dealership if any mechanical problems arise. The dealership fronts the cost of normal wear and tear, including routine maintenance and tire care. Be sure you understand what they define as “wear and tear.” You’ll want to take extra care to avoid damages they won’t pay for.

 

5. Nicer, Higher Value Car

Since the payments are lower, you can usually afford a much nicer car than in a traditional purchase. This can be a great benefit if you like to trade out cars and drive very little. You’ll also have a car with modern technology. A nicer, higher quality car is good for people who drive their car for business, entertainment, or anyone who simply loves driving a high-quality car. And, because it’s a lease and not a purchase, you don’t need to worry about buying a lemon.

 

The Cons of Leasing a Car

While all those things are good, we need to compare them to the less attractive qualities of a lease. Here are a few things that might make you think twice.

 

1. Mileage Caps

You don’t get unlimited mileage. Most leases are set around 10,000 to 12,000 miles during the lease contract and if you exceed this cap, you pay for it. If you drive more than that, consider paying extra for extended mileage up front. It can save you money in the long run. Check the terms of the lease to be sure that option is right for you.

 

2. Down Payments

Unless the dealership has a special promotion, you’ll still need a down payment – sometimes a pretty hefty one. A typical 3-year lease could need a $2,000 signing payment. Each time you lease, you’ll pay another down payment. This is money you will never get back.

 

3. No Ownership

You don’t own this car at the end of the lease. This is one of the financial drawbacks. Your money is not buying a product, it’s only renting it long term. So you have nothing to show for your investment at the end of the lease. You may get the option to buy it at the end of the lease. Otherwise, it’ll get returned to the dealership. You’ll need to find another car and pay another down payment.

 

4. Extra Costs for Damages

If you damage the car it will cost you. A lot. The dealership will not pay for damages outside the normal wear and tear of the vehicle. You must pay for it. You’ll have to pay for the dealership to repair any damages, though, not your local mechanic. Carry good insurance when leasing. Accidents do happen, and you don’t want to get stuck with a huge repair expense.

 

5. Cost More Over Time

Overall, leasing may cost more over time. You put a down payment on the car and pay the monthly lease payment for two or three years. But, you have nothing left at the end of the contract. Some people would call that throwing your money away.

 

Who Benefits From a Lease?

As you can see, there’s a lot to consider. In some ways, a lease is a good option, but only for the right buyer. In general, people who expect to drive little and trade out a lot enjoy a lease. It might also be a good option for those that need to drive a nice car for a living. As long as they consider the mileage limitations and prepare in advance.

 

Consider the List, Then Decide

Think hard about the pros and cons of leasing a car before you do it. While there are some great benefits, the negative aspects can affect you in the long run. Make sure you understand the terms of the lease contract. Then, do what feels right for your situation! Looking for information about protecting your car lease? We’d love to hear from you! Contact us, here.