Buying a new car is a major stepping stone for most of us. However, sentimental values aside, the whole process of buying a car, right from deciding on a model to taking delivery, can sometimes be overwhelmingly stressful. Apart from the rather inane issues involved, such as the colour of the car, accessories etc, there are more serious aspects that need to be looked into more carefully. Sorting out finances, insurance, taxes, and getting a good (if not the best) deal from the cut-throat dealers add to the whole ordeal. Having a few car-buying tips and techniques up your sleeves may not hurt. Here are some that might be of help you in your hour of need.

Car Finance

Thanks to the wide presence of various public as well as private sector banks in India, financing a car has become much easier and trouble-free. Since the coming of age of organised and institutional auto finance in India, companies are offering auto loans at surprisingly competitive rates. Additionally, these products are rightly customised with novel service offerings and subsidies.

Finding the best car loan that works for you is rather easy. Naturally, you should be inclined towards a loan that provides the lowest rate of interest and extended loan tenure. However, do not make a decision solely based on the EMI amounts; also consider how much is entirely forfeited by you in the total loan-term.

Banks can reimburse up to 90 per cent of the rate of the new car you are buying. It is a known fact that public sector banks provide lower interest rates compared to the non-banking funding firms, but paperwork can be tedious and some may even ask for a co-guarantor. And they will definitely take longer for loan processing. Also, nowadays, interest rate and loan eligibility is based on your CIBIL score – the higher the better. You can check your CIBIL score by applying to them at: http://www.cibil.com/d2c/

Another factor, which should be taken into account is the pre-payment penalty clause, should one decide to close the loan account earlier. Check this out online. There are many websites that allow you to compare the interest rates, processing fee and pre-payment penalties. It is also critical that you work out the EMI details carefully before signing the loan documents. You should know that the down payment you make at the time of your car purchase determines the EMIs that you would be paying every month. Lesser the down payment, higher the EMIs! You can choose the mode of payment – ECS, PDCs, or DD, depending on your convenience.

Car Insurance

Auto insurance in India is a legal necessity. Car insurance protects you against losses incurred in case of accidents. The car insurance covers against theft, financial loss caused by accidents and any subsequent liabilities. Getting car insurance is quite easy as most insurance companies have tie-ups with car dealers and leading manufacturers. These companies offer coverage immediately after you buy the car. There are many other general insurance companies which also offer motor insurance service to customers.

Additionally, you can also research and take tips from websites that give you a critical insight into choosing the best insurance policy for your vehicle. Again, you will find many websites, which allow you to compare rates.

Check if the insurance company selected offers “cashless” claims, where you don’t have to pay any money upfront normally. Also, some insurance companies will offer you a lower premium if you are willing to pay the first Rs 2,000-5,000 of the claim amount from your pocket. Most public sector companies offer lower premiums but some of the newer private insurance companies have been quite aggressive in their premium quotes. However, check the fine print before deciding your insurance provider.

Dealing with the Dealers

Many people consider bargaining with a car dealer a naive thing. But it is totally possible to save a good amount by taking the time to research the price and offers on a particular model. Some determination to haggle also helps! Make use of the internet to locate dealers in your area and find out who has what on their offers’ list. Being well-informed will put you in a better bargaining position than the dealer.

Typically, most dealers will give you the best deal at the time of booking the car. Even for newly launched cars, you can get free minor accessories

Buying a new car towards the end or the beginning of a year is the best time. Usually, dealers inflate the discounts during these times to get rid of the previous years’ models. Some of the areas where you can bargain effectively are accessories, extended warranty and insurance. Remember, you can always get good discounts on loans and the insurance premium, besides the vehicle itself, if you do your homework.In that case, do not ask for exaggerated discounts, as that may discourage the dealer to move further ahead with the deal.

(EMAILWIRE.COM, March 12, 2011 ) Philippines – Car Auctions Tips provides valuable information and tips on how and where to get low cost cars with good quality. This website also provides tips and facts about cars insurance.

Car auctions online provides all the information that people need to get low cost cars but still have good quality. People can get valuable information on the different places where they can obtain low cost cars. They provide the places where car auctions will be held and some tips on how they can obtain the best possible car in the auction.

Probably, people can find great cars as well as great deals in car auctions. This is the reason why a lot of people are considering cars from a car auction instead of buying to car dealers. They can get a lot of benefits from a car auction and they can also save more money. There are a lot of different types of car auctions. There are government vehicle auctions that usually provide scheduled auctions of the different cards that have been seized for some reason. Most of them are usually due to tax liabilities or bankruptcy issues.

The cars may usually come from the Internal Revenue Service or U.S. Customs. There are also Police impound auctions. This is usually used by different cities to dispose some of the property that has been abandoned or seized by the police department because of illegal activities.

So why is it advisable to consider car auction? Probably, the values of the vehicles here is lower than anywhere else. People can find incredibly lower prices for the models that are plentiful while rare models are higher.

With this basic knowledge about car auction, people can already go to car auctions to buy cars. However, there are still certain things that they must consider before buying. This is where this website comes in. It can provide tips and information on how people can avail cheap vehicles and what are the things needed to be qualified in a car auction.

Aside from information about car auctions, the website also provides tips and information about cars insurance. They can provide information about different insurances for cars. People who need a guide in getting insurance for their cars can consider this website. This website can provide information on the different cheap insurances on the market as well as how to get the best deal. They can also provide the different insurance companies that provide great deals from different parts of the United States.

About the Car Auctions Tips:

Cars Auctions Tips will let people know all the important factors on how to save money in bidding for the car that they want without spending a lot of money. They provide tips and advice on how to find the perfect car with great value.

Also, in cars auction, they can also provide high quality cars for a very affordable price, the only thing that they have to do is to outbid the other bidders. In addition, it is essential to know everything about the world of auction as not everybody can easily get along with it.

Car Auctions Online
Roger L. Ricafort
047-237-9991
iiricafortii@gmail.com

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Protect your vehicle from the inside out and you will help prolong the life of your car. Check these simple vehicle maintenance tips.

(NC)—It’s no surprise that consumers are keeping their automobiles for longer periods than before, but according to a study performed by the survey gurus at R. L. Polk Co., Canadians are keeping their cars on the road longer than ever before– 43% are still on the road today after 15 years, up from 28% in 2000. That’s why it’s so important to protect the investment in your vehicle, as it can mean the difference between trouble–free driving and costly repairs.

Regardless of the age of your vehicle, a regular oil change is the service most likely to help prolong its life on the road. Be sure to check your vehicle’s owner’s manual for the recommended oil change intervals based on the conditions under which you typically drive, such as “normal” or “severe service.” Replace the oil filter with every oil change, and use a high–quality motor oil that meets the specifications recommended by your vehicle’s manufacturer to help your engine get the protection it needs.

In addition to engine oil, drivers can also help keep their vehicles on the road longer simply by monitoring the other lubricants and fluids in their engine. Check your owner’s manual to find information about where fluids are contained, exactly how to check them, the type your vehicle uses and how much should be in each “reservoir.” If you see drops of fluid under your vehicle, you should be able to identify them by color or consistency. A few small drops are probably not a cause for concern, but you should take note of small puddles and consult your mechanic.

Choosing the right fuel for your vehicle can also make the difference between trouble–free driving and costly repairs. Some of the world’s top automakers– Audi, BMW, GM, Honda, Toyota and Volkswagen– recognize that current minimum detergent requirements do not go far enough to prevent engine “gunk,” deposits that can harm engine performance. To raise the bar on fuel quality, these auto manufacturers designated the voluntary Top Tier Detergent Gasoline Standard to help drivers avoid the problems that can be associated with using lower–quality gasolines.

“If you look at gunk under a microscope,” explains Ken Mitchell, an Engineer from Shell Canada, “it has a porous surface that traps gasoline, negatively affecting the combustion in your engine over time. One of the easiest ways to prevent this is to choose a high–quality gasoline, like all three grades of Shell gasoline, which contain a Nitrogen Enriched Cleaning system that helps clean and protect your engine from the build–up of gunk.”

No matter how new or old the vehicle, keeping up with regular servicing and choosing the right fuel can help protect your engine and keep your wheels on the road longer. Simple solutions and maintenance to help you protect your vehicle from the inside out and prolong the life of your car.

Automotive
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As busy as airports will be in the coming days as people escape for March Break, there are still many families who choose to go the road trip route. For those who do, CAA South Central Ontario offers tips on travelling by car with children.

Before you worry about breaking up arguments about who gets to sit where, CAA CSO says to make sure you have all necessary documents if travelling abroad. That includes

Image by AFP/Getty Images via @daylife

Buying your first car is a pleasurable rite of passage for most people, but the accompanying purchase of auto insurance is less fun. In fact, many new car owners find the cost of insurance frustratingly high and so do individuals who have had car insurance for decades. (Learn how to read one of the most important documents you own. Check out Understand Your Insurance Contract.)

While competing car insurance companies offer opportunities for discounts, individuals can also take steps before they buy a car to make sure they will pay the lowest possible premiums.

IN PICTURES: 10 Insurance Tips For Homeowners

1. Compare Rates for Various Cars
   Once you have identified two or three cars that you think you can afford and will fulfill your needs, call your current insurance (or a new insurance company) to compare premiums for the cars. Car insurance costs vary because of the safety record, repair costs and likelihood of theft as well as the price of the car.

2. Avoid Gaps in Coverage
   If you are switching policies, make sure you are completely covered at all times. If you let your insurance coverage lapse by forgetting to make the premium payments, your rates are likely to be increased.

3. Maintain Good Credit
   Insurance companies typically check your credit score when determining your insurance rates because they have found a correlation between bad credit and the likelihood of making a claim.

4. Drive Less
   Many companies offer a low-mileage discount for drivers who have a short commute or drive few miles each year.

5. Request a High Deductible
   One of the easiest ways to reduce your car insurance premiums is to increase your deductible. Just make sure you have the funds to pay the deductible if you get in an accident.

READ MORE: Getting A Grip On The Cost Of Gas

1. Claim all Your Discounts
   If your car has extra anti-theft or safety features such as anti-lock brakes, most insurance companies will give you a discount on your premiums. You may also be eligible for a discount if you have taken a defensive driving class or, if you are a student, you have good grades.

2. Drive Safely
   Of course you should drive carefully to avoid accidents and tickets anyway, but bad driving can also raise your insurance rates or even lead to a nonrenewal of your policy. While too many speeding tickets can cause a problem, causing an accident will typically raise your insurance costs by as much as 40%.

IN PICTURES: 5 Ways To Buy A Used Car

1. Consider Moving
   While this may be a bit drastic, auto insurance rates vary widely from one location to another because of the likelihood of an accident or a theft. In general, car insurance rates are lower in rural areas, so you may want to look into the potential for higher or lower insurance rates if you are thinking of moving.

2. Work with One Insurance Company
   After you shop around for insurance rates, choose one company for all your insurance needs. Most offer a discount for combining car and homeowners or renters insurance with one provider. (Before paying for coverage, find out what you need to do to ensure you get paid. See What To Do If Your Insurance Won’t Pay.)

3. Lower Your Coverage
   The Insurance Information Institute (III) suggests dropping collision and/or comprehensive insurance on older cars to save money. As a rule of thumb, III says that if your car is worth less than 10 times the premium, it may make sense to drop that coverage.

READ MORE: Warranties That Aren’t Worth It And Why

The Bottom Line
The important thing to recognize is that car insurance should be customized to meet your needs. Consulting with an insurance agent can be the best way to make sure you are taking advantage of every possible discount and that you and your car are still adequately covered. (Continue your insurance education; check out Unique Insurance Policies You Should Consider.)

IN PICTURES: 7 Insurance Tricks That Cost You Money