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| The following are valuable tips on maintaining, insuring
and financing your vehicle. Keeping track of how your vehicle is
running and paying attention to its needs will save you time and
money. |
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 Before Purchasing your Vehicle |
- Before going out to purchase your vehicle, you should consider
your insurance options and find one that best suits your budget.
 Having secure financing options is a great asset as it will
assist you in getting the most for the least.- Know the features that come with the car to see if it suits
your lifestyle.
- It is very important to THOROUGHLY read any document pertaining
to the purchase of the car before signing it. Once papers are
signed make sure to make copies of them for your reference
incase you ever need them.
- Ask as many questions as you can before purchasing, Has there
ever been any damage to the car prior, what condition is the
car in regarding brakes, engine, etc.
- Ask that the car be checked out by a mechanic before purchasing.
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| Financing |
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 Before deciding to finance a vehicle,
make sure you have done all your research:
- Calculate how much you can afford to finance on a monthly
basis.
- Determine a price range you can afford.
- Exhaust all
your sources such as internet, car buying guides and
so on to compare price ranges and information of the
vehicle you
wish to finance.
- Call as many financial institutions
as possible and ask about the finance rates being offered.
- Never settle for anything you are not fully satisfied with…always
negotiate…the
more information you gather. The easier it will be
to get what you want.
- Understand the value and COST of
any extra promotions, products, different types of credit
insurance if
you decide you want to purchase them before signing for
them!
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| Insuring |
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| Its important to understand the type
of insurance you have as a pose to settling for any kind of insurance.
Basic auto insurance is made up of 3 major components: |
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|  Collision: Is
the part of the policy that pays to have your vehicle repaired
after an accident regardless
of who hit what and how. It’s the part of the policy that gets
your insurance company to go after another driver's insurance
company to pay for repairs if they were to blame. A deductible
amount will
be applied. This means that you pay for the repairs yourself
before the insurance company pays for the remaining. 
Liability: This
type of insurance covers any damage and injuries you caused to
the other driver and their
vehicle. If the matter is taken to court, the liability part of
your insurance will pay for the legal costs.
 Comprehensive: This
part of your insurance is in case of "natural" accidents, something other than a crash. If
for any reason your car gets broken into, or floodwater ruins it
etc…In this case, a deductible also applies. Its is also important
to be aware of fault vs. no-fault insurance Coverage for damages
to your car caused by something other than a crash. A vandal
breaks in, a tree falls on it or floodwaters engulf it. Again,
a deductible
is applied. |
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| Maintaining
Your Vehicle |
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 Maintaining your car will give it longer life and make it
easier to sell if you ever decide to.
Tires play an important role in the running of a vehicle.
To avoid having unnecessary flats ensure that your tires are
not over-inflated or under-inflated.
Over-inflation causes the centre of the tread to wear out
faster than the outside edges.
 Under-inflation causes the tread to wear out along both outside
edges wearing out your tires before their time. It is important
to assign your car to a specific mechanic and one mechanic
only as they will always become familiar with your vehicle
making it a lot easier to fix or maintain. Using fuel efficient,
low multi grade or motor oil that is said to be energy conserving
can improve your vehicles fuel efficiency of the engine.
This is especially important when starting your car in cold weather.
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