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How To Reduce Your Running Costs
The continual rise in fuel cost is crippling the motorist and making it difficult for the average motorist. There are things you can do to ensure that your car is running as efficiently as it should.
One of the first things to check that are often overlooked are the Tyre pressures of your vehicle. Running a vehicle with insufficient air in the Tyres will reduce will increase your fuel consumption quite dramatically.
Check your Tyres for the correct Air pressure, Low profile Tyres especially may not look flat but it does not mean that because they look like they are alright that they are, so it is well worth checking. You’ll be amazed at just how much difference it will make.
Another way of reducing your running costs by conserving fuel is to refrain from fierce acceleration from a standing start position, a slower take off and changing into top gear as quickly as possible will keep the engine revs down and help you save fuel.
If you are held up in traffic queues for long periods or at level crossings turning off your engine will save you fuel and at the same time reduces wear unnecessary wear on your engine , and environmentally friendly too.
Keeping your engine serviced regularly will help to prevent long term expensive repair costs. A regular check of your vehicle by a qualified technician will help to keep your maintenance costs under control. A rough running engine is likely to burn excessive fuel.
Most Diesel models offer better fuel economy and longer servicing intervals; the potential saving can be significant so if your car needs replacing then a Diesel car is worth considering.
Handy Tips For Buying A Used Car
Our handy tips will help to explain the pitfalls sometimes encountered when purchasing a used car, and how to avoid them. Purchasing a used car can sometimes be a risk but choosing the right dealer will eliminate the risks.
Whilst buying a used car from an auction or on-line auction site may seem like a saving compared to a retail showroom, it could also be a potential nightmare waiting to happen. The benefits and advantages of selling under the hammer are weighed in favour of the seller, simply because there are no comebacks if things go wrong.
Purchasing a used car from a trusted dealer will give you peace of mind in knowing that the vehicles offered for sale have been carefully selected, mechanically sound and properly prepared for sale.
1. Does the seller own the vehicle they are offering for sale?
One in four vehicles in the UK are financed and most of the institutions that fund these vehicles will normally insist on retaining their interest in the vehicle until their debt has been repaid in full. Their agreements typically contain terms and conditions that prevent the sale of the vehicle without their express and written permission whilst their is an outstanding debt owed to them. Financial institutions who lend against the value of the asset and wish to retain their interest in it until full settlement of the agreement has been made will usually record the relevant information on various registers, these registers can be accessed by members of the public (usually for a small fee) and here are two of the more well known company’s who provide this service; HPI, Experian Auto Check, all it takes is just a few clicks to get piece of mind and avoid potential misery.
Purchasing a vehicle that is subject to a finance agreement normally results in the finance company obtaining a court order to gain possession of it, regardless of whether or not you thought it was yours, just because you paid for it. The consequences of this happening doesn’t bear thinking about, not only would you lose the car but also any realistic prospect of getting your money back. So the tip is:- do your checks before parting with any of your hard earned cash.
2. Has the vehicle ever been subject to an Insurance claim?
A large percentage of vehicles have at some time or other suffered an incident, maybe it is just a minor scuff in a supermarket car park or possibly something more serious which may have involved an insurance claim. An insurance claim against a vehicle will normally result in its value being adversely affected, even if there is no longer any physical evidence of the damage sustained, once a vehicle is the subject of an insurance claim it has a black mark against it and should be examined more carefully if you consider it to be an option when choosing your next vehicle. It does not mean that such a vehicle should be ruled out but certain factors should be taken into account in the price negotiating process. It is also vital to check whether or not the vehicle has been the subject of an insurance claim and this can be done in conjunction with the financial check with HPI or a company offering a similar service. A vehicle that has been extensively damaged should have its identity checked more thoroughly to rule out anything untoward.
What does ‘Cat C’ and ‘Cat D’ mean?
Vehicles that have been extensively damaged and the subject of an insurance claim are given an ABI category, the details of these categories can be found here. Vehicles with a Cat C or D are of much less value by mere virtue of the fact that they have had prior damage and undergone repairs. The HPI register holds information about vehicles that have been given a category.
If you intending to purchase a vehicle from a dealer with a cat C or D then the dealer is under an obligation to make that fact known. However, you may find that a private seller is not so forthcoming with such vital information and deliberately withhold the information in order to achieve a higher price. It is worth checking the V5 thoroughly of any vehicle you intend to purchase as this will reveal any history of an ABI category. If the V5 is not present at the time you are looking at a particular vehicle to purchase then you’d be well advised not to part with any cash until it is. Remember this saying “purchase in haste, repent at leisure”.
It is worth noting that some vehicles (not necessarily all) with a cat C or D mark against them have a chequered history, it may also be impossible to establish whether or not the repairs were carried out to a satisfactory standard until they are involved in an impact. It is also much more difficult to re-sell a vehicle with a Cat C or D, so if you went ahead and purchased one, knowingly or otherwise and wanted to sell it again then there is a good chance you could either be stuck with it or faced with losing a substantial amount of money.
3. Check the Vehicle Identity
It is important to check the identity of a vehicle you intend to purchase. The VIN (Vehicle Identity Number) can be found in several places on the vehicle and usually one of the places to look is behind the windscreen looking from the outside in located in the bottom corner. This and any other places that the number is present should be checked against that of the VIN number on the V5 (Vehicle registration document) the number and letters should all be identical, if not then there is a problem and further investigation is advised.
4. Mileage
One of the factors taken into account when valuing a used vehicle is the mileage it has covered. An average annual mileage for valuation purposes is in the region of 12,000. Motor dealers will consult a trade guide to assist them in valuing a vehicle. Some other factors come into the equation such as make and model, general condition, number of previous owners and so on. But probably two of the most important factors used in determining what a vehicle is worth is the mileage covered and service history. If there is no tangible evidence of the vehicle being serviced and maintained in accordance with the makers’ recommendations then it has to be assumed that the vehicle has not been properly looked after and expensive repairs are probably looming.
In my view it is far better to be the owner of a vehicle that has covered excessive mileage supported by meticulous maintenance records than a lower mileage vehicle without. Nowadays vehicles are well engineered and built to last but like anything else, if they are not properly maintained then they are just a breakdown waiting to happen.
A comprehensive check from HPI will put your mind at rest on many important factors that should be considered when purchasing a vehicle, why not check them out here.
5. Take your time in making a decision
Avoid pushy salesman at all costs, take your time to make a decision as you will have to live with it for a long time. Do your checks and be absolutely sure before parting with any money or signing any documents.
Car Sales Local
Welcome to Car Sales Local. Searching for local car sales online has never been easier; there are many online showrooms with high quality illustrations of most makes and models from a Mini to a Rolls Royce. Many online sites have the ability to set parameters to suit the details of the particular make and model vehicle you are searching for together with your budget.
There are also plenty of online car information sites to provide you with technical information about the particular vehicle you intend to purchase. You can literally find out how many miles your selected make and model covers to a gallon of fuel, how long between servicing intervals and a whole lot more, in fact everything you need to know.
Online shopping for your next vehicle can have so many benefits including being spared from sitting in front of overzealous salesmen; you can relax and search for your next car from the comfort of your arm chair. It is even possible to strike a deal without even visiting the showroom at all. Many car sales will even bring the vehicle of your choice to your door.
Choosing the best dealer is also as easy as choosing the vehicle, there are many sites online to research reviews of different car sales and vehicle dealers with a good reputation will be proud to boast about it. It is a good way of ensuring that you are dealing with a quality company.
All other facilities associated with purchasing a vehicle can also be found online and most reputable dealers will take care of everything for you. Car buying could never be made easier, from financing your vehicle, arranging warranty cover and servicing, everything can be taken care of with just a few clicks of the mouse.
Helpful Advice On Financing Your Next Car
When considering financing a new or used vehicle it pays to look at all available options, although the available options do not seem to be as plentiful in the current economic climate as they were up until three years ago. Financing a vehicle up until then seemed to be easier and more straightforward than it is these days.
The underwriting criteria used by the majority of lenders has changed somewhat and they seem to be a lot less flexible in their approach to lending as they used to be. High street lenders typically use a computerized point scoring process to determine the outcome of an application made for financing. The days of talking to humans about specific circumstances are long gone and it is literally a computer that decides whether or not a vehicle loan is granted.
More information about how your credit score is calculated can be found online by searching for credit information and credit reference agencies. In brief simple terms it means that for each question you are asked on the loan application form you are awarded a certain amount of points, for example you will score more points as a homeowner than someone who is a tenant, and so on. The total number of points will determine whether or not an application is successful. The only real certainty is if the applicant declares any adverse credit history on their file such as a county court judgment or bankruptcy, as this will prevent you from scoring enough points to make an application successful no matter what.
In order to qualify for finance from a high street lender usually means that you need to have a very good credit score and it would be worthwhile checking your own credit score with one of the recognized credit reference agencies yourself before you make an application to a lender. The reason for this is that if you make an application for credit to a lender and it is rejected for whatever reason then the decision will be recorded on your credit file and will go against you, this could potentially stay on your file for twelve months and it is extremely difficult, if not impossible, to get removed. Numerous searches of your credit file made by lenders can damage your credit rating.
If you have a credit score that is high enough to qualify for successful lending then it pays to consider obtaining a personal loan from a bank to fund your next vehicle. There are many benefits for this, firstly you have more bargaining power because your funds are in place already, and secondly the vehicle is not tied to the loan as security which would prevent you from selling it until the loan is repaid in full.
Buying a used car is an important decision to make. Feel free to visit http://www.carsaleschichester.com/ where you can get more tips and advice about buying a used car and Car Sales in Chichester in the UK.
Article Source: http://EzineArticles.com/?expert=Jack_Cammell
http://EzineArticles.com/?Helpful-Advice-On-Financing-Your-Next-Car&id=5770739
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