Cheap Car Insurance; Top 10

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Equifax Credit Report

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    Before you buy an auto, know your credit score. This will help you determine what type of interest rate you will pay. A score over 700 will get you the best rate. A score from 650-700 is still good, but under 650 will start to increase the interest rate you will pay. The Equifax link on this post will give you an idea of what your credit is and what items you can pay off to make it better. Most customers do not know the items on their credit report. Don't make this mistake! Always check your credit at least every 6 months to make sure all items on your credit are yours.

    The Credit Crunch has made Car Buyers more aware of keeping their Equifax score at its best, especially since many lenders are only using Equifax Credit Scores. Another problem many customers are having is the highest white collar crime ever committed, Identity Theft! Get Equifax Score Watch Now! and avoid this costly and long term problem. It is almost impossible to get items removed from your Credit Report, even though they may be from Identity Theft.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Car Buying Tip; Money Down!

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    There is a belief among customers that a down payment on a car goes directly into the sales persons pocket. This could not be further from the truth. Now, I will say to make your best deal on the car first, but when it comes time to do financing, always put money down. Not only will this decrease the amount that you are financing and lower your payment, but may also get you a better rate with the lender as you will be financing that much less under their guidelines. The banks look at book price when financing a car, and always take into consideration the fact that they own the car, up until the time you pay it off. This will also make it easier to trade this vehicle down the road if you so choose because you will owe less and avoid being upside down.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Car Buying Tip; Beauty Is Only Skin Deep!

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    Wow! Just remember, beauty is only skin deep. When buying a car, take it to your mechanic to have him check it out and make sure there are no problems with the car. It may look AWESOME on the outside, but dont fall in love until you make sure it is the right match for you. Great analogy huh?Source URL: http://ashesgarrett.blogspot.com/2006/06/
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GM 0% Financing 72 Hour Sale!

Car Financing; Shop For Best Deal

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    One of the biggest expenses when buying a car, is the financing. The finance manager at a dealership only gets paid when you contract at a higher rate than what he can buy the money for. Lets say you qualify for 5.9%, the finance manager is going to make a point or maybe even 2 points and charge you 7.9%. Shop around and always check the bank you do your banking with. Also, check local credit unions that offer auto loans to the public. If you shop the best deal, you will save 10 to 20, maybe even 30 or 40 dollars a month. Multiply this by the number of months that you finance the car. Dont forget to check online sources for auto financing, those at the top right of this page are great starting points.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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GM OnStar; Popular Auto Option

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    GM's OnStar is becoming more popular with the car buying public. On Star's one year free safe and sound package covers airbag deployment notification, remote vehicle diagnostics, remote door unlock, emergency services, stolen vehicle location assistance, roadside assistance, accident assistance, remote horn and lights if you are having trouble locating your vehicle, and 30 minutes free personal hands free calling. When OnStar was first introduced customers were apprehensive and did not want this feature and now they will not consider a vehicle without it. The dealership that I work at has a 92% renewal rate after the first year. The second year costs $199, but most customers feel this is a small price to pay for peace of mind.

    GM's OnStar Feature has added voice activated Navigation. You contact an OnStar Advisor, tell them where you want to go, they download the route to your vehicle, voice commands tell you every turn to make. You can even go to Map Quest on the Internet and plan out a trip, download the trip to your OnStar Account, after naming the trip you can download it to your vehicle for directions and destinations that you have pre-determined on Map Quest. You can even plan how many miles you want to drive per day, where you want to stay, etc. OnStar is adding new features that Customers have found they do not want to live without.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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GM Auto Workers Deadline

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    GM Auto workers deadline is today June 23, 2006. They must decide whether to keep working at a job that is uncertain or take an early buyout. Some would receive a one time buyout of over $150,000. The auto industry is seeing a surge in sales, but GM is trying to cut expenses in hopes of expanding the bottom line.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Car Trade Allowance Explained

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    I have customers every day tell me that their trade in is worth $2000 more across the street. Let me tell you why it is worth more there. It is called trade allowance, what is allowed on your trade. When a car is appraised it is given an (ACV) Actual Cash Value. The ACV is going to be pretty much the same wherever you have your car appraised. Now say you are buying a $29000 used SUV that is marked up $4000. I can show you that your car is worth $2000 more, take $2000 from profit, and still make $2000. You can juggle the numbers any way you want, but always look at the bottom line.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Negotiate Your Best Car Deal!

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    One of the keys to negotiation is understanding the language. Most car dealers use the trade difference method and this is very confusing to some customers. For instance, the salesperson will say "We will trade for $7000 difference, plus payoff, plus TTF-Tax, Title, Fees". Just to make things simple we will say that you are buying a $27000 vehicle. This means that your vehicle appraised for $20000, or less if there are rebates involved. Now, you may owe $30000 on your car, meaning that you are actually financing $37000 on this vehicle, plus TTF. Most customers cannot understand that the payoff has to be added back to the deal.
    $27000 minus $20000 is $7000 trade difference, plus payoff, in this case $30000 which will give you $37000, plus TTF.
    This method is used to make you forget about how much your trade is worth because it makes you focus on the payoff instead of the amount appraised on your car. Ask the salesperson to break your numbers down so you can analyze them better. Sale price, trade amount, rebates if applicable, taxes, and so on. I myself would rather lay everything out in the open for the customer and not give the old smoke and mirror approach.

    RELATED ARTICLES:
    New Car Negotiation, Price Quotes, and Finance Advice
    Car Buying Price Negotiation
    Used Car Prices and how they are determined!Source URL: http://ashesgarrett.blogspot.com/2006/06/
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GM's 2007 New Body Style Chevy Silverado

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    This is an early look at the new body style Chevy Silverado. This was originally scheduled to be a 2008 model, but GM is pushing this to be sold as a 2007 model to replace the current Chevy in the fall. This is an early look and there may be modifications; GM has a lot riding on this to remain as the #1 selling GM vehicle.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Car Buying Tip-Summer Service

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    There are a few things you should service during hot summer months. Of course have your oil changed every 3000 miles, but every other oil change, rotate your tires. This will keep the tread wearing even and avoid tires on the front wearing quicker than the back. Check the tread by turning a penny with Lincoln head down and placing upright inside tread. The head should be covered to some degree. If you can see the entire head of Lincoln, it is time for new tires.

    Belts and Hoses should be checked or changed during summer months. The last thing you want to do is get stuck on the side of the road with a broken belt. Not only will it be hard to change on the side of the road, but an inconvenience for someone to come pick you up. Who wants to be stuck on the side of the road in the winter? Or summer as far as that goes. Keep your belts and hoses from breaking or leaking.

    Battery should be checked in the summer time. Winter is very hard on batteries as you need the cold cranking amps to just start your car. The battery will tell the life on top. When you buy a battery, they will mark it to where you can tell when it is time to change. I would recommend every 2-3 years probably, although most will last 4-6 years.

    Alternator should be checked in the summer to make sure it will be strong enough to keep your battery charged. The Alternator is an integral part of your car. If the alternator goes out, it will drain your battery and will probably ruin your battery. The alternator keeps your battery charged when you are driving and when it goes out, your battery is no longer charged and is just a matter of time before it is gone. You will always know when the alternator goes out because your car and lighting will start acting crazy when you are driving. If you have had one go out, you know what I mean.

    This is just a few things you can check, but you can always take your car to a mechanic to get a proper check on your car to make sure you do not get stranded. Most Mechanics know the things to look for that may cause you a problem.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Tips To Improve Your Credit Score

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    This article has been revised and moved Here! Just in case anyone is still following this link.

    If you have ever been to buy a car and the salesman told you he could not get you financed, you would want advice to improve your credit score. The #1 way to improve your credit score is to keep your credit card debt to a minimum. If you have a $500 credit limit on your card, keep your balance at $249 or less. If you go over half of your credit limit, you will not receive maximum points on your credit score. Get a copy of your credit report and analyze ways to improve your score. There may be items on there from years back that you already forgot about. If there is an old debt, contact that company and see about a settlement to get it off your report. If there are errors on your report, contact the credit bureau and dispute these items. The main thing is always be aware what is on your credit and take a proactive approach to keeping it clean.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Car Buying Tip-Check Into Leasing An Auto

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    Oh me, I said the L word! Why is everyone so scared of a lease. Ask anyone who has money and they will tell you to lease anything that depreciates (ie Car) and buy those things that appreciate (ie house). The reason behind this makes sense. If you ever pay a car off before you are through paying for it, you will most likely owe more than it is worth and if you do keep it long term and pay it off, what do you have? An old car that is worth very little! On the other hand, if you lease your vehicle you will have a lower payment and can trade more often without having so much negative equity. Most people are scared because of the mileage limitation, but you can build miles in up front. Now, if you drive 50,000 miles a year, NO, a lease is not for you. If you drive 15,000 miles a year, I would not consider anything other than leasing. Check into GM's Smart Buy option where your name is on the title and you do not have to carry higher insurance coverages. You also have options at the end of the Smart Buy--you can purchase the car, refinance the car, trade the car, turn the car in, or even sell the car. Best of all, with residuals, you know exactly what the car will cost you at the end of 3 or 4 years. Dont be scared of the L word, check it out, it might be exactly the option you have been looking for.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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General Motors Value Pricing

    When you go to buy a car this year from a GM lot you will not see as much discount as in the past. General Motors went to a value pricing format that decreased the sales price of new cars from last year and also decreased the margins that dealers make. I believe GM did this to better compete with internet pricing. Many people are buying cars from the internet or at least comparing prices before shopping. You will enjoy the lower prices compared to last year, but dont look for the big discounts and rebates that were usually offered.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Save On Car Insurance Now!

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    Do you want to save money on your car insurance? Why not now to see how much you can save. It is free and easy and could save you hundreds per year. You will not know if you are paying too much for car insurance unless you check. You may say you are with a trusted company now, but this site will give you the best rates possible.

    Car insurance has a degree of subjectivity. What I mean by this, Car Insurance agents can give you cheaper insurance rates by reducing the amount of money they make. There are certain items that are negotiable. You can take towing, courtesy transportation, etc. out of your quote. When you get pricing on the internet, you are getting the best quote possible because you will probably not be back. It will be a great quote! When you are in a Insurance agents office, they have your captive attention so can start out with high rates. On the internet, your first price will be the best price.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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Car Trade In Value

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    Cars depreciate at an alarming rate! There are a few things that you can do to minimize the hit you take at trade in time. Be sure to keep all service records and make sure that the oil is changed at regular intrevals, preferably every 3000 miles. Keep the car clean, inside and out. When you go to trade the car, give it a good detail inside and out to give it the appearance of a car well taken care of. If you take care of your car, chances are you will sell it to an individual rather than trade it. Finance your car for a shorter period of time--48 months instead of 60 months, or double up on some payments so that the payoff keeps up with depreciation. The belief is that high end cars like Mercedes and BMW do not depreciate when in actuality they depreciate more because they are more expensive. Use common sense, if your car looks bad, you are not going to get top trade in value. Take care of your car!

    Used Car Prices and how they are determined!Source URL: http://ashesgarrett.blogspot.com/2006/06/
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2007 GMC Yukon

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    There is mixed opinions on the 2007 GMC Yukon. I think it is the fact that by nature we do not like change. The old Yukon needed an update and I believe General Motors did it justice, but most say it has to grow on them. The flip and fold second row seats dont seem to be impressing shoppers at this time, but the ride is definitely nice. If a customer takes a test drive, the look of the Yukon gets much better. I believe that in time everyone will enjoy the new look as much as they did the old model.Source URL: http://ashesgarrett.blogspot.com/2006/06/
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