Car Loan Basic Tips


How TO obtain a Car Loan? Here is Some basics Tips for Auto Loan;
Car Loan Tips
Financing a new car purchase requires some research. Before venturing out to the car dealerships uninformed, let's take a look at what you will need to know about the car buying process. 

First of all, about 70% of all new car purchases are financed. So unless you plan on paying cash for your new car, or you are going to apply for a car loan, chances are you will be financing your purchase.
1. Determine your financial situation
This is the first and most important step in the car buying process. You must know how much you can spend before you can determine what you can afford. You don't want to get stuck making a bloated car payment that will leave you eating bologna sandwiches for three years.
 
First of all, you need to have a monthly budget. This is very easy to calculate. Add up all of your fixed monthly expenses, such as your rent/mortgage, phone bill, etc. Subtract that from your net income. Then subtract your estimated extraneous expenses, such as food, gas, entertainment, whatever. The result should be an amount of money you have to play with.

From that, you need to remember that buying a car involves more than a down payment and monthly payments. In your budget you will need to include licensing, registration and other hidden costs, as well as monthly insurance costs, gas and maintenance.
 
Once you have all of this worked out, you should have a ballpark figure of the budgeted amount you can use for car payments. A good rule of thumb is roughly 20 percent of your net income can be used for a car payment. Once you determine that figure, stay with it.
2. Decide which car you want
Now that you have settled on a monthly allotment, now you can look at which vehicles fit into your price range.
 
This is really about personal choice, but a good criteria to go buy is to look at what your needs are. Do you have a family? There are plenty of affordable, safe and reliable minivans and station wagons on the market. Single and commute, or do a lot of city driving? The compact segment has a wide range of models to choose from that boast handling and superior gas mileage. Do you use your vehicle for work-related tasks, such as hauling, delivery, etc? Check out the many light and heavy-duty pickup trucks and vans. Midlife crisis? There are several convertibles and sports cars that will make you feel young again.
 
Also consider your wants. Compact cars get really good gas mileage and are a great if you want to save money on the increasing gas prices. Plan on taking road trips? Consider something that gets good mileage and has cargo space and lots of cup holders. Plan on going off-roading? The SUV is your best bet. Some even come with a first-aid kit!

Once you've narrowed your choices down to a couple, it's time to do some car research.
3. Do your homework
All right, Columbo. Here's where you will need to spend some time sorting through some details, but it will be worth the effort in the end. After all, the more you know about what you're buying, about whom you're buying from, and about the buying process itself, the more money you will end up saving.
 
There are plenty of places for you to do your car research. Check out the Internet and newspapers, contact car dealerships, credit unions and local banks to see what kind of deal youcan get. Knowing what a car dealer's competition is offering can only help you out in the negotiating process.
 
Look at interest rates. You'll want to get the lowest possible interest rate, as it will help you pay less in the long run. Many car buyers focus on getting the lowest possible down payment. If a car dealer gives you a low down payment, the money you are saving has to be made back. Car dealers will find ways to lower your down payment, and as a result will find ways to compensate for their generosity. By deferring the down payment "savings," with interest, you'll end up paying more in the long run.
 
Also be aware of factory-to-dealer incentives. The secret is that the manufacturer refunds a certain percentage of the car's price to the dealer. So even if the car dealer sells you a car at the invoice price, he or she will still make money from the deal. Find out about a manufacturer's incentive percentage, as they are public information.
 
You should also look out for rebates. When incentives are offered, this often means the manufacturer wants to either get rid of slow-selling cars or reduce the inventory. Therefore, they may also offer the buyer a cash rebate and a low financing rate, or an option of one of the two.
4. Go to the car dealerships
Now that you have an understanding of what kind of rate you will be offered, you now want to go out to the car dealerships. You already have an idea of what kind of car you want, how much you can spend and what kind of perks you can get. Also you have an idea as to what different car dealerships are offering. This is quite a bit of information for you to carry with you into the negotiating process. But again, themore you know, the better off you'll be. But remember: Car dealers are professional negotiators and do it everyday. You are a novice and will be treated as such. The car dealers aren't going to be easy on you, nor are they going to point out all the ways you can save money. It's up to you to find all of those.
 
Also remember that you are in control at all times. You have the right and ability to stand up and walk out of the office at any point and the dealer will lose the sale. Don't let a car dealer intimidate you. Be relaxed and comfortable you know all the information and that you hold all the cards.

2012 Ford Focus Sedan Interior Pictures

2012 Ford Focus Sedan Interior /Dashboard View
2012 Ford Focus Sedan Front  Interior  View
2012 Ford Focus Sedan Interior 
 2012 Ford Focus Hatchbacks Interior
2012  Ford .Focus. Back Seats
2012  Ford .Focus.Hatchbacks Front  Seats
2012  Ford .Focus Interior
2012  Ford .Focus ST Seats
2012  Ford .Focus ST  Interior
2012  Ford .Focus ST  Photos

2012 Ford Focus Sedan Black and White

2012 Ford Focus Sedan 
2012 Ford Focus Sedan 
2012 Ford Focus Sedan 
2012 Ford Focus Sedan 
2012 Ford Focus Sedan Black
2012 Ford Focus Sedan Black
2012 Ford Focus Sedan  Interiors
2012 Ford Focus Sedan 
2012 Ford Focus Sedan 

2012 BMW M6 Preview

2012 BMW M6
2012 BMW M6
2012 BMW M6
2012 BMW M6


BMW is conducting extensive testing for its new sports M6. The German is very active in recent times, in designing new cars that will put on the market as soon as possible. Now, the sporty coupe is prepared by the BMW racing industry, always full of ideas, to provide customers with car great personality and, more importantly, with great performances. Motorsport, in fact, it is extremely meticulous in the preparation of cars for the industry to its jurisdiction and it shows the care with which is conducting the final tests in preparation for the marketing of the BMW M6 Coupé.

In recent months, in addition, have seen several prototypes of BMW 6 Series, around Germany, all with fully camouflaged body. However, for the first time, the spy photos that you have today, showed that the M6 coupe is nearing completion. The wheels appear larger, sporty design with lower profile tires.
The large brake discs are perforated and give a touch of sportiness across the front of the car. The discharge is of the quad, with a kit fitted to the dissipation of accumulated heat. Under the hood, the engine is a 4.4 liter V8 twin-turbo BMW, with a power that could be around 500 hp at the wheel.
The new BMW 6 Series should not be so different from the design of the current model, however, this M6 coupe seems to be a bit ‘longer than the other models already on the market for BMW. The M6 coupe next generation can also be seen at the Geneva Motor Show in 2011, so it’s logical to think that the new M6 Coupé is marketed in 2012.

2012 BMW M5

2012 BMW M5 
2012 BMW M5 
2012 BMW M5 
2012 BMW M5 
2012 BMW M5 

Classic and Antique Car Wallpapers

Classic and Antique Car Wallpaper
Classic and Antique Car Wallpaper
Classic and Antique Car Wallpaper
Classic and Antique Car Wallpaper
Classic and Antique Car Wallpaper

ROLLS ROYCE PHANTOM I Classic Cars

Classic and Antique Car Wallpaper

Classic Or Antique Car Insurance

Classic car insurance is generally tailored to the specific vehicle, and the needs of the collector. There are three significant values to understand when insuring a classic car: Actual cash value; stated value; and agreed value.
Actual cash value is the usual way insurance companies calculate the value of a car: It's based on replacement cost minus depreciation.
Stated value is when there is a specified value in your contract. The insurance company may not guarantee up to the full stated value of the car.
Agreed value is what you are looking for when insuring a classic car. Insurance companies that provide classic car insurance will generally agree on the worth of the automobile with the car collector. You sign the contract agreeing on how much both parties feel the car is worth, and then if the car is totaled or stolen, they reimburse you the full agreed upon value.
Most classic car insurance companies will have a set of conditions. These can include: A clean driving record; at least 10 years driving experience; proof that you have another car for transport; very limited mileage; no teens or drivers with poor records on the policy; proof of secure and out of weather garage; and sometimes the age of the classic car (some cars are deemed too young to be considered classic cars).
The mileage limits on classic cars are fairly low. However, if you truly are a collector, then you don't want to expose your baby to risks anyways. You and your insurance company agree on that much.
Some classic cars might require restoration or special maintenance. Notify your insurance agent and make sure they give you the appropriate insurance to take into account any restoration work.
There are often other stipulations, but they vary from insurance company to insurance company. Check with all of them to find the right deal for you.
If you do buy a classic car, be sure to get it insured right away. Classic or antique cars often appreciate in value over time; however if you total the car without insurance, you might be lucky to get back what you paid for it originally. This can be a difference of tens of thousands of dollars. Review your coverage every few years, because the amount you insured the car for a few years ago may not come close to what the car is currently worth.
There are major companies that specifically deal in classic or collector's car insurance. Among them, American Collectors, Hagerty, or Parish Heacock provide professional insurance services for car collectors. Traditional insurance companies will either refuse to insure a classic car, or charge exorbitant premiums to only replace the hard value of the components, which will in no way come near the actual market value. Specialty collector's car insurance can get you full market value coverage for less than what a traditional company charges you for.

2010-2011 Top 10 BMW Cars

Bmw Vision 2010
BMW has made the reduction of emissions and fuel consumption a key part of its product development strategy, just as enhancements to the dynamic ability of each BMW have been a lasting, sustained brand value. BMW's EfficientDynamics engineering philosophy - the pursuit of an enhanced, athletic driving experience while simultaneously lowering the consumption and emissions of each vehicle - resulted in the most dramatic drop in fleet consumption of any automaker from 1990 through 2005, according to an Environmental Defense study.

Top 10 BMW Cars  Beautiful And Popular Cars

BMW M3 2010

As of spring 2010, the high-performance model BMW M3 consistently combines its outstanding driving performance figures with further reduced fuel consumption and exhaust emission levels. The range of BMW EfficientDynamics measures fitted as standard in the models BMW M3 Coupé, BMW M3 Convertible and BMW M3 Sedan is now to be supplemented with the Auto Start Stop Function. This reduces the average fuel consumption and CO2 levels of the BMW M3 by up to 8 per cent or 24 grams of CO2 per kilometre. In order to further hone the outstandingly sporty profile of the model there will also be a Competition Package available as of spring 2010.

Top 10 BMW Cars  Beautiful And Popular Cars

BMW M3 Coupe US-Version 2008

BMW once again proves there is nothing inherently slow about evolution with the introduction of the 2008 BMW M3 Coupe, fourth in the line of compact sport coupes that set the standard in minimizing any compromises between race-inspired performance and luxury and convenience. Sharing the high-revving 414-horsepower V8 and balanced chassis designed to be "faster than its engine," this spring the motorsports arm of the German automaker, BMW M GmbH offers the most powerful, best performing series production M3 to the North American market.

Top 10 BMW Cars  Beautiful And Popular Cars

BMW M3 Saloon UK Version 2009

The letter M offers something truly emotive to the motoring connoisseur. Since 1978 BMW GmbH has produced purist performance cars that tap into the demands and aspirations of customers' ultimate driving experiences. The M division takes BMW's ingredients for dynamic production cars, listens to the market and challenges its in-house designers and engineers to produce an intoxicating recipe that satisfies a growing niche of enthusiasts. Using award-winning engines and lightweight materials in construction, an M car is both challenging and relevant to both hearts and minds.

Top 10 BMW Cars  Beautiful And Popular Cars

BMW M3 Convertible 2009

The BMW M3 model family is being upgraded by yet another fascinating player: The new BMW M3 Convertible, the third body version of BMW's high-performance sports car following the Coupé and Sedan, offers new possibilities to experience uncompromising driving dynamics.

Top 10 BMW Cars  Beautiful And Popular Cars

BMW M-Zero 2008

Top 10 BMW Cars  Beautiful And Popular Cars

BMW M3 GTS 2011

With the BMW M3 GTS, BMW M GmbH now offers a truly outstanding performer based on the BMW M3 Coupé also ideal for Clubsport events - exactly the right car for the truly discerning customer demanding the very utmost in terms of power and performance. The BMW M3 GTS is largely hand-built by the most skilled craftsmen at BMW M GmbH as a perfectly harmonised package of outstanding modifications, with production exclusively to the customer's personal order. Focused on motorsport, the modifications comprise both the drivetrain, the suspension and the body of the car, as well as its interior. Market launch of the

Top 10 BMW Cars  Beautiful And Popular Cars

BMW 135i Coupe 2010

Starting immediately the BMW 135i Coupe and the BMW 135i Convertible come with a straight-six power unit of the latest generation for the first time combining BMW TwinPower Turbo Technology, High Precision Injection and fully variable VALVETRONIC valve management, all interacting with one another to set new standards for economy with the highest level of performance.

Top 10 BMW Cars  Beautiful And Popular Cars

BMW Z4 2011

the new BMW Z4 has reached the top of its market segment almost overnight. And now this charismatic roadster is entering a new dimension in driving dynamics, the new BMW Z4 sDrive35is offering an even higher standard of performance ensured both by the modified straight-six power unit with BMW Twin Turbo Technology and High Precision Injection, on the one hand, and by BMW's seven-speed Sport Automatic with double clutch operation and the M Sports Package including the adaptive M Suspension likewise featured as standard, on the other.

Top 10 BMW Cars  Beautiful And Popular Cars

BMW 5-Series 2011

The world debut of the new BMW 5-Series Sedan marks the epitome of modern design and driving pleasure in the world of premium midsize sedans. Through its athletic and executive looks, driving dynamics typical of BMW, and innovative comfort and safety features, the sixth generation of BMW's executive express accurately reflects the standards upheld by the world's most successful manufacturer of premium cars.
Top 10 BMW Cars  Beautiful And Popular Cars

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