DO YOU HAVE ENOUGH COVERAGE? ( Automobile Insurance )

If you finance your automobile be careful. Most people shop for the lowest premium insurance company they can find. The lowest premium policy might end up costing you thousands of dollars or wage garnishments and here's why! Make sure your insurance policy has enough coverage to pay off your loan in case your vehicle is stolen or wrecked beyond repair. If this was to occur you are still liable for the balance of your loan. Don't find yourself owing thousands of dollars by shopping for the lowest price insurance policy before you know that policy has enough coverage to pay off your automobile loan if you file a claim.

BUY WHAT YOU NEED, NOT WHAT YOU WANT ( Pickup Trucks, full size )

Another way to save money is purchase a full size pickup truck that works for your need. Full size pickup trucks come in a variety of shapes, sizes, and options. Keep in mind the number of people that will ride in the full size pickup truck most of the time. Two or three people can ride easily in a full size standard cab, four or more in an extended cab, or four door cab. Manufacturers have different names for their full size pickup truck body styles. Other factors include what you haul ( will a short bed or long bed work ). The weight you need to haul ( light weight or heavy duty pickup ). If you drive off road a lot, a four wheel drive could be your option. If you put a lot of miles on a truck and need heavy duty pulling power a diesel engine could be your option. You can purchase a full size pickup truck with many options and engine sizes. If you pull trailers of heavy towing weight and long length, you might consider a custom flat bed body. Custom flat beds are a big seller with gooseneck trailers. You can purchase a custom flat bed dressed out to the max, or basic, they also come with many add on options. So be sure to buy what you need and not what you want.

BUY HERE PAY HERE ( $$ Saving interest rate tips $$ )

I did in house financing ( buy here pay here ) at my car lot. I do not recall a customer ever asking me how much the total finance charge would be. Most buy here pay here Independent Automobile dealers charge from 15 to 28% interest, with an average down payment from $500.00 to $1500 dollars with a two to four year payout depending on vehicle cost. Used car business slows down through the Holidays and dealers are hungry for a sale. Now is a great time to wheel and deal. If you can pay 50% or more down than they are asking you should get a better rate. Before you mention it ask the dealer to show you how much the total finance charge is, not weekly, or monthly, but the total interest rate cost on the vehicle you are getting a quote on. If they will not show you on paper walk out the door. When you see the finance cost you are ready to offer more down if you get a better rate. You will get a better rate at most buy here pay here lots. If the first dealer is not wheeling to deal shop around. When you get the rate lowered compare the before and after savings. You just saved hundreds of dollars on a four year note. Be sure to read all my posts for tips on saving and making money. Let me know how much my tips have worked for you.

VIN ( Country of Origin )

VIN'S first digit identifies code and country of origin on the following chart:

Code/Country of Origin
1 United States
2 Canada
3 Mexico
4 United States
5 United States
6 Australia
9 Brazil
J Japan
K Korea
L Taiwan
S England
V France
W Germany
Y Sweden
Z Italy

VIN MODEL YEAR CHART ( Vehicle Identifcation Numbers )

VIN' S from the model year 1981 until present are made up of seventeen digits. The ( tenth digit is the model year code ). The following chart will help you verify the model year before you purchase a used vehicle:

Code/Model Year
B 1981
C 1982
D 1983
E 1984
F 1985
G 1986
H 1987
J 1988
K 1989
L 1990
M 1991
N 1992
P 1993
R 1994
S 1995
T 1996
V 1997
W 1998
X 1999
Y 2000
1 2001
2 2002
3 2003
4 2004
5 2005
6 2006
7 2007
8 2008
9 2009

KEEP YOUR RIDE "CHANGE THE LOOKS" ( Accessories )

If you drive a pickup truck or SUV there are numerous accessories available to increase the value of the vehicle. At the same time your vehicle will have a much different look. The look will depend on how much you want to spend and how much you add. Some ideas for a different look would include a winch and new bumper combination, brush guard, different type of light covers to cover the headlights and tail lights, nerf bar, or running boards. An exterior rear tire kit also looks good on an SUV. Luggage racks and guardrails create a nice look. Pin stripe is another creative look which comes in many different sizes and colors. Just to give you an example, i would purchase jeep wranglers and then buy new custom wheels, larger tires, custom made wrangler decals, and replaced convertible tops and seats if needed. These additions increased the value of the wrangler, sales, and profits.

KEEP YOUR RIDE " CHANGE THE LOOKS " ( Window tint )

Window tint comes in different colors, which allows you to select a color that works well with your paint. A ( UV ) window tint helps keep the sun rays out, thus keeping your interior cooler in the summer. Window tint also reduces interior fading. Limo tint on the drivers, and front passenger window is illegal in many states. Make note of that before installing. Window tint is available in self installation kits, or it can be professionally installed. Adding window tint changes the looks of your vehicle.