Used Car Buying Advice

When looking to buy a new car, the first thing you should do is to look in the Kelly blue book. Using Kelly`s blue book will help you determine how much you should pay for a used car. The automotive blue book covers everything there is about used cars and pricing.

It tells you by make, model, year and condition, exactly what you should pay for just about any vehicle that you could possibly even run across! It is a veritable goldmine of pricing information. There are, however, a few things that the Kelly automotive blue book is not really any good for. It is lousy, or even worthless for finding point by point reports of how well cars keep their utility. Sure, you can get some idea of what car might be worth buying by seeing which keeps its worth, and which does not do that at all, but that does not really tell the whole story.

This is why I am such a big fan of the consumer reports guide to cars. Although it is not as good a guide to how much to pay as is the automotive blue book, it does have a lot of advantages that the latter does not. It will tell you almost everything about used cars. It will show you expected life, the expenses of maintaining them, and point by point, which systems of the car are likely to need to be repaired or replaced, and which are not. There is really no more valuable source in the world for trying to figure out which car to get as your next one than the consumer reports guide. It is almost without parallel, if you are to ask me.

Of course, neither the consumer reports guide nor the automotive blue book really are enough. The automotive blue book will tell you how much to pay, and the consumer reports guide will tell you about what you should look for, but there is no substitute for getting the car checked out by a qualified mechanic. If you choose not to take this important step and check the car you are at risk of being get ripped off instead of getting a car that will last you for as long as you need it to. Getting ripped off stinks so do yourself a favor and get the car checked out.

Make More From Your High Mileage Used Car Or Truck – A Step by Step Guide

Its possible to make a decent profit even when selling a car or truck that has a lot of miles on it. This guide to making the most money from a high mileage used car takes you through the steps you need to maximize your profit, all the way through the sale. It also supplies tips for donating a vehicle to charity.

#1: Time to Do Some Vehicle CSI.
For an excellent starting point, take out your pencil and paper….or even a magnifying glass. Go out to the vehicle and make an inspection. Note things that a potential buyer will notice. This gives you a list of thing to do before selling.

#2: Get a Second Opinion.
If you can take a vehicle to your mechanic for an official inspection, it usually pays dividends. First, you will know exactly what needs to be repaired. You can fix these things or adjust the price. Second, buyers have reputable information to rely on. They will feel more confident in making a purchase, when the vehicle has a proper inspection.

#3: A Dirty Car is a Worthless Car.
Before you sell your vehicle, it should be clean. This includes more than a simple vacuuming and car wash. You should rub the paint with a good rubbing compound and clean everything deeply. This is a great deal of work but your vehicle will look years younger. If you have the money, take the vehicle to an auto detailing service. This saves a lot of work.

#4: The Advantage of Selling vs Trading.
Trading your vehicle in is not a good way to realize profit from its sale. However, it is less work. It is better to go online and check with Kelly Blue Book or Edmunds, as they provide free valuation services. Once you know the fair market value, you can sell it yourself and ask for the most money. Make sure the asking price is high, as you have more negotiation leverage this way.

#5: Donate and Deduct.
It could be that you cannot get enough for the vehicle by selling. Some people do very well by donating their to charity and taking a nice deduction of their federal taxes. However, you must itemize your income taxes to see any kind of tax savings. You should also be aware that some so called charity car donation programs take your vehicle, only give a small percentage to charity, then pocket the rest. It is best to give directly to the charity, to be sure that a vehicle is going to a worthy cause. So before you donate, do a little legwork.

#6: More Tips for Donating.
When you call a charity, ask them how much of the value goes to helping others. Consider contacting the Better Business Bureau about any business that accepts donations. This way, you know that your efforts are not being wasted. If you are not sure, it is well worth the time and expense to talk to tax professionals. They can give you the best advice for donating a car to save money on taxes.

To make a long story short, you can maximize your profits when you sell a vehicle that has a lot of miles on it. Make sure that it is completely clean and looks impressive inside and out. Have everything repaired that you can. If you are thinking about donating the car, make sure you are donating directly to a legitimate 501 (c)(3) charity. And sometimes making the most money from a high mileage used car means hiring professionals such as a good mechanic or accountant to make sure you’re making the right moves.

Auto Insurance Claims – A Guide to Stress Free Claims

Anyone that owns a car or any type of vehicle for that matter is required by law to carry insurance. This is not only to protect the car but the car’s owner as well. Making an insurance claim is a lot like the different policies in place. Each has their own way of the correct procedure to follow. Most companies though are pretty similar in the way that process is carried through.

Filing a claim is not just an inconvenience, it can also be very stressful especially if someone has been injured or the car is a wreck. Thankfully statistics show that most claims are for vehicle damage rather than personal injury. To the insurance company, the only thing that really matters is who was at fault and is there proof of that fault.

There are four main things that insurance companies will consider when determining blame; Statements from those involved and submitted to the companies. Any police report, written statements from witnesses, and the actual damage to the car.

A lot of insurance company today advice drivers to carry a camera at all times. This can be as simple as your cell phone or a disposable camera. Pen and paper is also useful to have in the glove box. In this way you can get names and addresses from witnesses and their contact numbers and make notes yourself at the scene. Remember an accident will shake you up for while and it’s not always that you remember what happened clearly after the event as well as the right sequence in which things happened.

If you should be involved in an accident, before anything else, make sure that everyone involved is okay and that an ambulance is not needed. If it should be necessary, do not waste any time in calling. The next thing to do is make a call to the local police station, now it’s not always easy to get the police to attend especially if nobody is hurt, but a police report is a good tool when making your claim so do your best to try and get them to visit the accident scene.

Next, you will need to exchange insurance details plus names and addresses with the other person involved. Get the make and model of the car plus the plate number. Don’t forget to write everything down.
If there should be anyone that saw the incident, try and get statements from them as well although nowadays, it seems that people are not too willing to make them but try anyway. This is another reason to try and get the police to attend.

Your next step is to get in touch with both insurance companies as soon as you possibly can. The reason for contacting the other person’s company is just to make them aware you’re filing a claim. You should call your company and ask for any forms that need to be filled in and give them details over the phone as to what has happened.

The insurance company will then send an adjuster to review the damage and make their report as to how much they feel it will cost for repairs- if the car can be repaired. Be aware that if you should turn down the other person’s insurance offer for damages you could end up in a lengthy drawn out settlement fight.
Hopefully, you will never have to make a claim but it’s better to be safe rather than sorry after the event.