Auto Insurance Advice

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One of the most important things to keep in mind when buying a new car is the auto insurance.  It is something that tends to get pushed to the side while thinking of the bigger picture of buying the car.  Here is some important things that you should know about car insurance.

The first is that your credit has an impact on your rates.  Credit score is always important, it is one of the biggest factors any buyer should be aware of before they go to purchase a vehicle.  In regards to insurance, your credit is used to assess risk in things such as likeliness to file claims.  It’s impossible to really know beforehand what will and will not be used from your credit score to cause a change in the rate.  For that reason, it is important to have your credit score cleaned up and be the best reflection of your current status.

Be careful if you switch auto insurance companies.  If you only place a stop payment in order to get the policy canceled, you’re likely to have the insurance company report you for non-payment to the credit bureaus.  If this happens, it may cause your rate to go up when it impacts your credit score.  Talk to your insurance company, make sure all the paperwork for cancelling is properly filled out and that you have your new policy ready to start as soon as the old one ends.

Lastly, paying your auto insurance premium in full can help to save money in the long run.  Like with down payments on cars, the more you can pay up front, the better it will be for you in the future.  By doing this, you can avoid the potential to miss or be late with a payment, but you can also not worry about additional expenses that come with breaking up payments over a series of months and years.  Just be sure you can afford it.  If you can, it is certainly worth budgeting for.
If you need help with purchasing a new or used vehicle, be sure to contact us at Bayside Chrysler Jeep Dodge. If you need further assistance in finding financing for a new vehicle on bad credit, contact our financing department.  We love to say yes, you’re approved!   Be sure to like Bayside on Facebook, following on Twitter, or subscribing on YouTube.

Used Car Prices Are Lower Than Ever, And There Is A Good Reason Why

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Did you know that when new car sales go up, prices on used cars go down? It’s true! In 2014, new car sales were up, and there were more affordable used cars for all price ranges. The reason is that most people purchasing new cars were trading in their last cars to put towards a down payment, and as a result, there is a better variety of cars available for smart shoppers.

The good news is that new car sales are continuing to hold strong so far in 2015. According to CNN Money, car sales are the best they have been in almost a decade, and it is showing no signs of slowing down. This means that more used cars will be hitting the market soon, and with low, low gas prices, owning a car is cheaper than it has ever been.

At Bayside Chrysler Jeep Dodge, we want to help you make your dream of owning a great car a reality, and we will work with you to find the right car to fit your needs. You can get pre-approval, check out our monthly specials, and shop our online inventory by make, model, and year. Click here to visit our website today, or stop by and visit us in person at 21219 Northern Blvd in Bayside, NY. You can also get our latest deals and news by following Bayside on Twitter and Facebook and subscribing to our YouTube channel!

Image courtesy of digitalart at FreeDigitalPhotos.net

Questions to Ask to Get the Right Car

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The part of buying something major is the idea that I might get it wrong.  Be it a smartphone or a TV, I look at consumer reports and reviews constantly to prep myself so that I make the right decision the first time.

This cycle can get maddening, this idea that a purchase is so important that I can’t afford to screw it up.  Now put that pressure onto a car purchase and it is a wonder someone can come in and drive off the lot without checking into a nearby hospital with suspected ulcers from the stress.

Jalopnik seems to understand the stress that goes into wanting to not make the wrong decision which is why they have pointed out how to avoid getting the “wrong” car.

The difficulty of carbuying advice is there is no “one size fits all” approach.  For example, their first episode of Car Matchmaker had a person wanting a convertible.  After test-driving a Mustang GT drop-top, he decided against his original desire and went with a Challenger instead because of how the car felt to him.

This happens often to many people when it is time to make the actual decision.  Jalopnik compiled a list of what to keep in mind so that you do not buy the “wrong” car when that time comes in including:

“How much do you drive?”

“What do you need your car to do?”

“What are your must have features?”

“What kind of driving/ownership experience do you want?”

“Actually drive the darn thing.”

Check out the full article to get the full details on each segment but each of these questions are incredibly important ones to have an answer for.  By knowing what you expect from a car, you can at least gauge and narrow a search on which car suits your and your budget.

If you need help with financing, contact us at Bayside Chrysler Jeep Dodge.  We’ll work with you to find the right possible loan to suit your situation.  We love to say yes, you’re approved!  Like us on Facebook and follow us on Twitter to see our monthly news and special offers.
Image courtesy of bplanet at FreeDigitalPhotos.net