buying car

Buying Vs. Leasing An Auto

Leasing a luxury car imposes lower costs, generally comparable to the interest rate of financing a loan. However, if you terminate a lease early or default on a monthly lease payment, you can face major financial penalties and ruin your credit rating. The decision of whether to buy or lease a vehicle also depends on your unique lifestyle. If you drive many miles each year and don’t mind paying repair bills, you probably should purchase your car. If, on the other hand, you exceed the mileage limitation or if the car shows considerable wear and tear at the end of the lease, you may find yourself paying large end-of-lease costs.

When you are thinking about getting a new car, one question always comes up: is it better to buy or lease? There is, of course, no one single answer. Each choice has benefits and disadvantages, so the choice depends on your own particular personal and financial circumstances.

A key issue is affordability. Is your job situation stable? Are you in overall good financial shape? The short-term monthly expense associated with leasing a car is much lower than the monthly payments required when purchasing a vehicle. With leasing, you pay only for the part of the vehicle’s cost used during the period of time you drive it. If you have the cash on hand, and you can pay the down payment and sales taxes – either in cash or via a loan – as well as the interest rate buying a car gives you that feeling of ownership and may be the best financial option.

If you want to get your hands on a luxury car, but you can’t afford the initial costs associated with buying one, leasing is your best option. Leasing a luxury car imposes lower costs, generally comparable to the interest rate of financing a loan. However, if you terminate a lease early or default on a monthly lease payment, you could face major financial penalties and this could ruin your credit rating. Before you decide to lease, make sure you adjust your budget for the monthly lease payment for the duration of the contract.

The decision of whether to buy or lease a vehicle also depends on your unique lifestyle. What does it mean to you to own a car? Do you bond with your car, or do you like having something new? If you plan to drive a vehicle for more than five years, buying it – through careful negotiations – is probably your best bet. On the other hand, if you would rather drive a new car every two or three years, leasing is for you.

You should also consider your actual transportation needs. Think about how many miles per year you drive and how you handle car maintenance. If you drive many miles each year and don’t mind paying repair bills, you probably should purchase your car. With leasing, contracts are made with assumptions of limited mileage, typically between 12,000 to 15,000 miles driven per year, as well as considerations of wear-and-tear on the vehicle. If you can stay within the stated mileage limits and keep the automobile in good condition throughout the duration of your lease, leasing is a reasonable option. However, if you exceed the mileage limitation or if the car shows considerable wear and tear at the end of the lease, you may find yourself paying large end-of-lease costs.

buying car

Car Insurance For Woman Free Related Article

Finding specific information about car insurance for woman might not be easy but we have gathered very helpful and relevant information about the general subject matter, with the ultimate aim of helping you out. Even if your search is about other car insurance for woman information, such as auto insurance Escondido, Texas auto insurance laws, Illinois auto insurance rate, auto insurance discounters, inexpensive auto insurance or even auto ins, this article will prove very helpful, to say the least.

The Truth About car insurance for woman

If economically feasible increase your deductible. An increased deductible lowers rates, just make sure the deductible is an amount that you will be able to pay should an accident occur.

A lower end or more common sports cars can often be insured for less, and are cheaper to buy so you win twice there. Once you have your car however, take the necessary security precautions to keep it safe. An annoying car alarm is an excellent investment, as well as immobilizers and a steering lock. Parking in a secure garage is also another way to assuage your insurer’s fears and persuade them to lower the premiums. It’s not only for their benefit either. If your car is stolen then you will face an increase in premiums, so it’s in your best interests to keep it safe.

If you are buying a car for your teen as soon as, they turn 16, choose the type of car carefully. Your teen is more likely to drive safely in a sensible car fitted with safety features, rather than a fast sports car. Fast driving will be less of a temptation and the insurance premiums will be lower too. Try to avoid letting your teen drive a truck or SUV, which are more likely to be involved in rollover accidents.

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If you have membership in any school or professional organizations, let your insurance company know. Some insurance companies offer significant discounts for membership of various alumni, fraternity and student associations; for example, the Golden Key National Honor Society.

Keep your driving track record clean. Easier said than done, no doubt, but it really pays in the long run. If you have a couple of accidents to your credit, chances are that you may have to empty your pockets a little more to have your car insured. This is the auto insurers’ way of hedging the risk from your bad driving and safeguarding themselves from a possible claim in the near future.

Add your teen driver to your own car insurance policy. There is no reason to purchase a completely separate car insurance policy for your teen driver when you can add him or her to your own car insurance policy. This alone will save you money, and you may even be able to get a multi-policy discount, too. Ask your own car insurance agent.

Get rebates. Some states that allow “rebating”. California law, for example, allows agents to rebate part of their commission to you. If you live in a non-rebating state, find a California company online!

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buying car

Oldsmobile Achieva, The American Compact Car

Manufactured by General Motors, the Achieva has been marketed and sold under this vehicle manufacturer?s Oldsmobile division. The Oldsmobile Achieva has been making its rounds on the streets and roads since 1992, the year of its introduction, and has continued to do so for six years. Come the year 1998, General Motors has then decided to discontinue and entirely halt the production and manufacturing of this vehicle. The Oldsmobile Achieva actually replaced the spot and niche that the Oldsmobile Cutlass Calais vacated when the company has decided to discontinue its production. When the Oldsmobile Achieva?s production was halted, it was the Oldsmobile Alero that took the spot of the latter vehicle.

The Oldsmobile Achieva is a compact car. It has been made available in two body styles. These body styles include the coupe with two doors and the sedan with four doors. It was built on the FF N body platform and is greatly related to the Buick Skylark, the Chevrolet Malibu, the Oldsmobile Cutlass, and the Pontiac Grand Am because of this. It has been said that one of its major competition was the Mercury Tracer. The very reason why the Oldsmobile Achieva was designed and manufactured to be such was because General Motors targeted this vehicle to be one of the great competitions of Japanese compact cars that has been entering the American automobile market during the time of its introduction.

The Oldsmobile Achieva was introduced back in the year 1992. Although it was mounted and built on the FF N body platform, the basis for the car was the GM N platform. This vehicle was also made available in four trim levels which comprise of the S, the SC, the SL, and the SCX. The engines that were mounted on the Oldsmobile Achieva through the years that it was being manufactured included the high output version of the 2.3 L Quad 4 LD9, as well as the 3.1 L V6 engine.

Shopping for Oldsmobile Achieva parts and many other Oldsmobile parts has been made tremendously easy by the easy to navigate and hassle free site provided by the trusted and leading replacements parts, OEM parts, and aftermarket parts factory that does business online. Its online collection of Oldsmobile parts and accessories include front air deflectors, alternators, front door handles, harmonic balancers, carpets, and front door latches. There also are specially made parts for various Oldsmobile models like the Alero, the Bravada, the Custom Cruiser, the Delmont 88, the Eighty Eight, the Firenza, the Intrigue, and the Vista Cruiser among many others.

A hassle free and convenient shopping experience is very well catered to by Auto Parts Discount. By visiting Auto Parts Discount, you can have your Oldsmobile parts. At Auto Parts Discount, the car parts and Oldsmobile parts you wish to have for your vehicle are offered in affordable prices.

buying car

Automatic Cars Are The Latest Trend Of Indian Car Market

The Indian car industry always offers something new to the people. They come up with the innovative technologies and creative designs that will enhance the drivability. Car with automatic transmission are very common abroad but in India it is recently gaining its popularity. Many car manufacturers are launching either new variants or new models equipped with automatic gear box. Now a day?s car with automatic transmission is experiencing good sales. Automatic cars are very popular among women drivers. They feel it easy to drive and this is the very reason for automatic car sales go high. With the growing demand of such cars and targeting the women driver many car manufacturers are launching the automatic versions of their models.

In 2008, Hyundai had rolled out the automatic version of Santro on women?s day as a limited edition. This clearly reveals their target audience. Some of the models enabled with automatic transmission are Hyundai’s i20, Chevrolet Captiva (AT version), Fiat’s Linea, Honda City, Mitsubishi Outlander, Mahindra Scorpio, Mitsubishi Outlander and the lists just goes on and on. Unlike before, the car manufacturers are offering five to six speed automatic transmission systems which result in better fuel-efficiency clubbed with improved pick up and performance.

One of the most popular and hot-selling cars with automatic transmission premium hatchback car-i10, which is sells more than 1,600 automatic transmission variants per month. This is an impressive figure which is more than the company initial expectations. The company received an overpowering response from woman drivers and the growing jamming in city is pushing up demand. Other than i10, Verna from the sedan segment too offers an automatic transmission. The car manufacturer is also thinking of bringing a variant exclusively for the physically challenged.

The Indian car manufacturer, Mahindra & Mahindra also launched the automatic version of Scorpio in 2008. Scorpio AT sports a complete 6-speed automatic gearbox and the powerful 2.2 litre mHawk engine. M&M?s flagship model Scorpio gets the credit of being the first Indian car brand and also the first SUV to be equipped with a 6-speed automatic transmission.

The trend of automatic cars is growing rapidly and every car manufacturer is trying to join the race. Honda, the Japanese car manufacturer already has variants with automatic transmissions like Civic, Accord, City, CR-V. As aforesaid it is one of the best features that a women driver looks for beside high-end features.

Another quick selling car with automatic transmission is Chevrolet Captiva. Normally Captiva has captured good sales in the Indian car market and now with the automatic versions the sales are gone still higher.


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