National Car Rental

I need a car. I’ve been a pedestrian for too long. I need information. I’ll hop on the web. Search for “car buying guides.” Whoa! Over 15 million sites/pages! Refine my search. “Free first time car buyer guides” and narrow it down to only 4 million. That’s about as refined as I can get right now. Look over the first page of my results, chose some links with names I recognize. Open some pages. Lots of interesting articles. Let’s see if I can pull together a cohesive list.

What type of vehicle do I need? Notice I wrote “need” not want? I want a cool car, but this is a major investment and cool doesn’t really last that long. Do I buy new or used? What kind of driving am I really going to be doing, and in what kind of conditions? How much can I reasonably spend for monthly maintenance? How much can I spend on a loan or lease payment? Should I buy from a dealer, an auction or private sale? How’s my credit rating? Where should I buy insurance? Lots of questions to answer, and probably some I haven’t included here.

Before you search for that cool car, decide exactly what your needs and wants are. Don’t buy what you want, buy what you need. Don’t get into a cash bind because you spent more than you can really afford because the “cool” factor fades fast but those monthly payments continue. Review your budget to determine how much you can really afford. That means not only the car payment, but insurance and an estimate of your monthly maintenance (gas, oil, etc.)

Check your credit so you have an idea of what type of loan you can qualify for. Decide on a firm price (payment or full-purchase), because dealers and salespeople will be doing their best to get more out of you. Be firm and stick to your dollar amount. If financing, decide on a realistic maximum payment you can make. If possible, check with your bank to see what type of loan you qualify for.

With the internet, it’s now much easier to compare vehicles. Take the time to check out some websites that offer information about vehicles and compare. Don’t just rush out and buy the first car you see. Remember, your vehicle is a major investment and unless you can change vehicles every year, this car will probably have to last you 4 or 5 years. Be choosy. Look at the pictures, sure, but READ the information. Check to see if the dealership offers web discounts (that is, if you buy from them they will offer some discount for using the web).

Educate yourself about vehicle pricing. Dealerships have to make a profit; otherwise they would not be in business! Simple economics. Dealers will negotiate, but YOU have to be prepared as well. The dealers and salespeople know their bottom line on any vehicle. Again, check the web for information regarding pricing. Ask family and friends to help you learn about vehicle pricing. There are many factors that most people don’t even know about.

Make certain you qualify for insurance. Check out your state’s department of motor vehicles website and learn the minimum insurance necessary. Check around the web and you’ll find many major insurance companies with rate comparison features. Use those resources. Be very aware that your past driving record will affect your rates, but also if you are a first time buyer, be ready for slightly higher rates to begin with. After all, the insurance company is really gambling on your not making any claims against the insurance. Think about the type of driving you will be doing and review the “extras” offered by the insurance provider. Also, the type of vehicle you are looking to purchase will affect your rates as well. Older cars usually mean less safety features, so rates will be higher. Your vehicle insurance is just as important as your health insurance.

A short note here about car dealerships (and not just the new vehicle showroom guys). I personally have not had good results buying from a private seller. Way too many variables and basically no recourse if something isn’t right. Dealers have certain rules and restrictions they must comply with, such as title registration time limits, the lemon law, and the “buyers remorse” (3 day changed my mind) rules. Dealerships must be licensed and follow the laws; private sellers often don’t. Dealerships also can provide a wider range of options than a private seller. Go to your state motor vehicle or department of licensing website and educate yourself. What you don’t know can hurt you.

Also, there is a list called the Customer Service Index (or something similar) which each car maker maintains for dealerships. The ranking indicates who a dealership satisfies customers not only in sales, but also in service. Basically, go to the manufacturer’s website, search for customer service index and then navigate the website to find that manufacturer’s criteria for a great dealership. Yes it takes time, but this is a major investment. Family and friends can help here as well.

Once you have decided what type of vehicle you want, and which dealerships you want to check out (always try at least 2 dealerships, don’t just settle on one!), take someone with you, preferably someone knowledgeable about the vehicle you have chosen (a family member or friend you feel comfortable with). That person will probably ask some questions you didn’t think of! I’m a wimp when it comes to negotiating, but my hubby isn’t, and he knows about cars. I let him do most of the questioning, even though I was the one purchasing the car. Believe me, it helped, because he asked questions I really never thought about.

Last, but certainly not least, TEST DRIVE THE CAR! Sounds simple, but it is very important. Just because you found what looks like the car of your dreams, it may still not be right. You need to be comfortable behind the wheel, your sight lines should be clear, you should be able to judge your surroundings based on the size of the vehicle, and you should be able to find all those little areas of vehicle maintenance you can do yourself.

Remember, a vehicle is a major investment. It should be chosen with care and deliberate thought. There a many factors to consider and, ultimately, you are the one that has to pay for any mistakes in your choice.

Steven Anderson is the Reservations Director for Hawaiian Discount Car Rentals, specialists in car rentals Kauai. He has personally researched and experienced many of the Hawaiian activities and as described above.

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Filed under: nationalcarrental.car-rental-zone.info on June 25th, 2008 | No Comments »

Forget the rain, forget the cold; everyone’s heard of this historic city so Seattleites must be right on the money. Whether it be for history, grunge rock or movie trivia, Seattle is firmly on the global map.

If any place can credit itself as a linchpin city for development and unearthing talent, Seattle is one of those places. Seattle is the birthplace of bands like Nirvana and Pearl Jam (the founders of grunge rock), and bands like Death Cab for Cutie, Foo Fighters, Soundgarden and Alice in Chains. The cr

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Filed under: nationalcarrental.car-rental-zone.info on June 24th, 2008 | No Comments »

Finding the vehicle of your dreams is just one part of the equation because after you buy it you will be required to insure it. So, when considering a vehicle you also need to consider insurance providers in order to end up with the best car insurance at the best price. There are literally thousands of insurance providers you can choose from and the last thing you want to do is simply choose to use your local insurance agent when you can do a little bit of research and find the best provider and save yourself hundreds of dollars on your monthly premium over the year. Consider the following insurance tips before you make a final decision and you will more than likely save yourself a lot of money and receive better service.

Compare
There are so many insurance providers there is no way you can compare them all. However, you can narrow down the list by asking friends and family members who they use, you can also compare policies on the Internet, and check out the companies running ads on television.

All you have to do is come up with the top 5 insurance companies from these locations and then sit down and compare them. The important information are their rates and the services they provide for the quoted rates. You want to compare similar policies to one another, not a liability only policy from one company with a full liability and collision policy from another. You need to compare similar policies in order to have a good comparison for the rates and what type of service you will receive. Be sure to also ask a lot of questions when you call for quotes because if you don’t know the answers to your questions you could be taking a lot for granted when it comes to your insurance policy. Only when all of your questions have been answered by all of the insurance companies will you be able to compare them adequately. More than likely you will see premium differences of hundreds of dollars for similar policies with similar services. This is not unusual in the insurance field, so as long as you have done your research and the policies and services are more or less equal you should buy the cheaper policy, enjoy the service and coverage, and save your hard earned money!

Your State’s Insurance Laws
Every state has its own insurance laws and in order to find the best insurance for your vehicle it would be prudent for you to research what your state requires in the way of insurance for your vehicle. Some states are stricter than others, so don’t just take for granted the type of insurance you will need. At the very least you will be required to carry liability coverage to protect others and their vehicles if you are responsible for an accident. However, many states do not require that you carry insurance for yourself, your passengers, and your vehicle. This is not a big deal if you are in an accident that is the fault of another driver because they will be required to pay for your damages, unless they are uninsured. And yes, this does happen. It is illegal to drive an uninsured vehicle in the United States , but it happens on a regular basis and these individuals are in accidents and there is no insurance to pay the victims. So, before you decide to forgo collision insurance you might want to consider this fact. If you don’t have collision insurance to protect your vehicle and passengers and are in an accident with an uninsured individual and can’t collect the damages, how will you pay to have your car repaired as well as medical bills? These considerations should be kept in mind when making the decision on what types of insurance you need.

Look Online
You already know to compare insurance providers, however you should know that many online providers offer rates that just can’t be beat simply because they reduce many of their costs by eliminating brick and mortar establishments by interfacing with consumers through their website. You will probably notice as you are comparing prices that many web only insurance providers have rates that are unbelievably low, however you are worried about fraud or not receiving the services you are paying for and frankly don’t trust the Internet. Don’t worry, there are a lot of other people in your shoes as well. Many Internet insurance providers are on the up and up, however there are a few out there that are not. As a result, when looking for an insurance provider online you want to search for one that has lots of good reviews and recommendations from past and present customers. This is not hard to find if you search one of the big search engines. Also, you want to look for certain features on the website like membership in professional organizations, secure transactions, and be sure to ask plenty of questions and talk to the customer service department to make sure they meet your needs. You want the online insurance company to be available 24 hours a day and 7 days a week because you never know when you might need them. So, test out their response at an odd hour just to make sure they are there and waiting to assist you. Then, when you are convinced the online insurance company is legitimate and offers great rates then you can purchase your policy while being assured the company will be there for you when you need them and you will save hundreds of dollars as well.

There are lots of tips to help you find the best insurance provider for your vehicle and these are but a few. However, keep these in mind when you are shopping for insurance and you will certainly find the best plan at the best rate for you. Many people say they don’t have time to shop for insurance, and if you are one of them then consider if you would do a couple hours of research to save $300-$500 on your insurance? You probably would, so that means you should do the research and save yourself the money that you would waste by not doing the research. When you consider it in those terms it is certainly a worthwhile investment of your time.

Steven Anderson is the Reservations Director for Hawaiian Discount Car Rentals, specialists in Maui car rentals. He has personally driven to the top of Mauna Kea and rates it as one of the most panoramic views in his travels to Hawaii.

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Filed under: nationalcarrental.car-rental-zone.info on June 23rd, 2008 | No Comments »