Best Auto Insurance Reviews of 2015.

#car insurance comparison sites

Premium cost isn’t the bottom line. See why you’ve been shopping for car insurance all wrong.

Latest Update November 24, 2015

For many people, it’s really all about the price. We get it. Still, we looked at much more than price in our review. If all you care about is seeing rates in your area, our recommendation is to compare quotes now to see the best deals where you live.

Last year, auto insurance providers spent just over $6 billion in advertising to consumers. You’ve seen the ads that promise low rates and great service — but how do you know which insurance company is really going to be there for you when you need them?

In 2011 alone, about 9% of policyholders switched their car insurance, and 27% admitted to shopping around. You probably don’t even think of auto insurance as anything other than a monthly expense. That often means picking the cheapest insurance and using that. But car accidents aren’t an “if” — they’re a “when.”

Statistically, the average driver will be involved in an accident every 18 years, which means you’re going to need to use it at least three times in your lifetime. We reviewed auto insurance companies on more than just price — we looked at the claims process, we surveyed experts, and we even talked to the people who deal with car insurance companies the most (auto body shop owners).

Best 4×4 Gas Mileage

#4×4 cars

2) 2015 Audi Q5 3.0 TDI

The 2015 Audi Q5 3.0 TDI is in the same class as the BMW X3, fighting for the attention of luxury shoppers seeking a small SUV. The biggest difference between the two vehicles is the Audi Q5’s turbodiesel drivetrain, which offers up considerably more torque than the engine under the hood of its rival. How much more? The 3.0-liter, six-cylinder unit pushes out 428 lb-ft of twist, along with the same 240 horses delivered by the BMW’s smaller motor. Despite this differential, the four-wheel drive Audi Q5 shines with a fuel mileage rating of 24 mpg in city driving and 31 mpg during highway cruising (and 27 mpg combined), and it features an eight-speed automatic gearbox and an engine start/stop system to reduce idling.

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3) 2015 Mercedes-Benz ML250 BlueTEC

4) 2015 Ram 1500 EcoDiesel

6) 2015 Mercedes-Benz GLK250 BlueTEC

9) 2015 Jeep Grand Cherokee EcoDiesel

10) 2015 Porsche Cayenne Diesel

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Best and Worst Months for Deals on Used Cars

#best used car deals

Best and Worst Months for Deals on Used Cars

By Keith Griffin. Used Cars Expert

Keith Griffin has been an automotive journalist and new car reviewer for more than 13 years. His experience as a journalist dates back 35 years. He is currently immediate president of the New England Motor Press Association.

There s, believe it or not, a certain science to selling used cars that deals with algorithms and buying habits and types of analytical tools. When all is said and done, though, it comes down to this: when is the best time to sell and buy a used car? Obviously the answer is going to be different depending on which side of the equation you are on.

Mojo Motors has done the scientific research to determine the best months and worst months for buying a used car.

Continue Reading Below

(Basically, we re going to concentrate on buying a used car for purposes of this article.) Michael Milstein, the business intelligence manager at Mojo Motors, did the basic research and came up with some interesting discoveries.

But first a little bit of information about Mojo Motors. It is a used car vehicle sales aggregator website that offers a new way to buy used cars. guaranteed pricing at a discount available only through a free membership. When it comes to vehicle sales, it is much more profitable to sell used cars.

That explains the proliferation of used car vehicle sales sites. Especially popular are those that aggregate offerings from several used car dealers in a set geographical area like Mojo Motors does.

Millstein came up with these conclusions at his Mojo Motors blog :

  • Dealers drop the price of a car an average of 1.32 times per month, but some months it happens more, and others less.
  • Between July and October dealers drop the price of their cars most frequently, whereas January through March dealers drop their prices least frequently.

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  • As the volume of sales increases in the summer months, dealers seem more willing to drop the prices of their used cars.
  • The average price drop on a used vehicle is actually 5.42%.

Those tidbits of info prompted us to have a little discussion with Paul Nadjarian, founder of Mojo Motors. Here are his answers to some questions we raised.

Q. Can this data be used as an effective tool when used car shopping? For example, it s July. You know the average price of a used car is going to drop 5.6 percent. Should you just go to the dealer and offer 5% less off the bat? Tell them you know it s still going to be there a month later. How do you think consumers should use this information?

A. This information should be used to assess market trends, not individual vehicles. The data shows that a dealer will drop the price of a vehicle around 11% in July (5.6% per drop x avg of 2 drops in July). You can t use that as a negotiation tactic. What you should do instead is be aware that July is a good month to catch a great price on a used car and Mojo Motors can keep you aware of these price drops as they happen if you Follow some cars.

Q. What are the conclusions based on? How much data did Mojo sift through to come to this conclusion?

A. These findings are based off the data Mojo Motors aggregated from users Following cars from Jan 1 to Dec 31 2012: 161,385 vehicles and 333,568 price drops were analyzed.

Q. Why is February such a low month for price drops? It would seem in great parts of the country this would be a tougher time to get consumers through the door.

A. Typically, February is a fairly strong sales month for used cars because car shoppers start to receive their tax return checks they can use for a down payment. Since dealerships know this trend, the number of price drops may be lower.

Q. And on the flip side, why the upward trend towards the end of the year? Are dealerships trying to hit year-end numbers?

A. A couple of factors are at work for end of year price drop trends. Firstly, there is a general slow down in car sales during the end of the summer that motivates dealers to drop prices. Secondly, dealerships are working extra hard to pump their sales numbers to clear out inventory as the year comes to a close.

In the market for a used car, then? Looks like July is going to be your best bet to get a deal. As always, though, keep in mind this is general advice and may not apply directly to a used car you are buying. I still have to believe used convertibles sell for less in February!

Bank of Ireland launches Personal Contract Purchase for second hand cars – Press Releases – Press – About Bank of Ireland – Personal Banking ROI

#second hand cars ireland

Press Releases

30 July 2014

Bank of Ireland launches Personal Contract Purchase for second hand cars

Bank of Ireland Finance today (Wednesday, 30 July 2014) announced that, together with its franchise partners, it is launching a new Personal Contract Purchase* (PCP) product for second hand cars from Friday, 1 August 2014, the first Irish Bank to offer this product for the purchase of second hand cars. This is an extension of their current PCP offering on new vehicles and will enhance and support the growth of the PCP product through its franchise dealers.

The Personal Contract Purchase (PCP) is a customer friendly product that allows consumers to drive a new car without the associated costs of ownership of same. Traditionally only available for the purchase of new cars, the extension of the PCP to second hand cars significantly expands the reach of the product across the market. Qualifying second hand cars will include vehicles up to 18 months old. Bank of Ireland has established itself as the market leader in the motor finance industry, partnering with 14 leading motor franchises in the Irish market.

Pat Creed, Managing Director, Bank of Ireland Finance, said: Conditions in the motor industry have been very challenging since 2007 when new car sales decreased from 152,830 to 74,300 in 2013. Consumers postponed the purchase of a new car which in turn led to a much older car pool in Ireland. It also means that the cost of purchasing a new car is now much greater with less equity in the older trade in.

However, Bank of Ireland s range of products including PCP and low rate subsidised offers are helping customers get their new car with affordable repayments and rates from as low as 0% APR.

With more than twice as many 142 cars registered on the first day of the new registration plate compared with the same day last year, it is evident that a significant number of consumers are returning to the market. The growth in the popularity of PCP and low APR rates has been such that over 71% of all new cars purchased by consumers are now selecting these forms of payments. We are seeing very strong approval rates for PCP and low APR rates, with 90% of applications being approved for finance.

2014 is proving to be the best year for new car sales since 2008 and looks set to achieve sales of 90,000 vehicles by year end. This strong performance, whilst coming from a low base, tends to be a lead indicator and reflective of the re-emergence of consumer and business confidence. This is the second year of the dual registration plate, which has also helped change the traditional seasonality where vehicle purchases would be frontloaded in the first quarter. This has ensured that there is a more steady flow of business throughout the summer months which historically would not have happened prior to the 132 plate launch last year.

Another impact of the recession was the shortage of used cars for the industry to sell which has resulted in a significant number of cars being imported to supply the demand. It is estimated that the importation of second hand cars will reach 50,000 by the end of this year. The growing popularity of PCP will now ensure that there is a strong supply of good three year old second hand cars coming back to the market on an ongoing basis.

Interestingly, we are seeing a slightly younger customer profile on our PCP deals. Industry research supports this as it shows that younger customers prefer the lower monthly payment and are also very used to the tariff type concept where they pay for the use of an item and upgrade as with their mobile phones.

New business in the commercial motor market has seen strong growth in the first six months compared to the same period last year, again a positive indicator of renewed confidence amongst SMEs. The agri sector is also buoyant with a 6.8% increase in tractor sales year to date.

The C02 changes implemented by Government in July 2008 have been instrumental in influencing consumer purchasing decisions. The last seven years have also seen a significant change in the shift from petrol to diesel purchases and this is reflected in that 71.7% of vehicles purchased in 2007 were petrol and this compares with 73% of cars purchased in 2014 being diesel. Similarly the level of low emission purchases in C02 Band A has increased from 1.42% in 2007 to 67% in 2014.

The introduction of a PCP product for second hand cars should further drive growth in this market for the second half of the year. , concluded Pat Creed.


Note to Editors

A Personal Contract Purchase is a form of vehicle finance for individual consumers who are looking to pay a fixed, relatively low monthly payment for a set contract period of somewhere between 24 and 36 months with the right to drive the vehicle while ownership is retained by the funding company. It is similar to contract hire or leasing, however, in the case the customer has to option to ultimately acquire the vehicle at the end of the finance term for a previously agreed amount which is set at the outset of the contract.

Bank of Ireland Finance provides motor finance to the following motor distributors; Toyota, Ford, Lexus, Hyundai, Opel, Kia, Peugeot, Mercedes-Benz, Honda, Volvo, Land Rover, Jaguar, Suzuki and Mitsubishi.

Beach Ford

#car dealership

Beach Ford Service

Since 1978, Beach Ford has proudly served the Hampton Roads community. We have the best selection of Fords in the area, and we’re here to help you find the one you’ve been searching for.

Keep up with current news and happenings. Plus! Get the inside scoop on special pricing for the vehicles you love. Like us on Facebook today!

Read in-depth discussions about the Ford model line and news about industry advancements on our blog.

Watch informational videos about the Ford lineup or watch our current and recent commercials.

Two Convenient Locations in Hampton Roads!

True Car Dealer Cost and Calculating Your Offer

#price of used cars

True Dealer’s Cost and Making Your Offer

Last Modified: November 08, 2015 by Jeff Ostroff | Originally Published February 26, 2000 will show you how to figure out how much the dealer paid for the car. To help do this, we will make use of some great free sites. I have also created a free Offer Spreadsheet that will calculate a fair offer for both you and the dealership. Once you fill it out you’ll be able to use it during your negotiations.

How Much is Fair to Offer the Dealer?

In order to calculate your offer, the first thing you have to do is find out how much they paid for the car. Then you will be able to offer them a deal that gives them a fair profit.

Don’t just make up a number for the offer, make an educated offer based on the dealer’s actual cost. It will take some time and research so you must be patient.

At the dealership, one of the first things you should do is ask them to show you the factory invoice for the car. If they refuse your request, I will show you how you can get the information online.

Your Offer Should Be 3% – 5% Over Actual Cost

To be fair for both sides, you should make an offer of 3% – 5% over the actual dealer’s cost, not above the invoice price. Dealerships will gladly accept a 5% profit. In fact, many dealers survive on 3%. I have done extensive research with auto industry insiders and have verified this to be true.

Save with TrueCar Pricing

Bel Air MD Auto Auction

#auto auctions

Bel Air Auto Auction

Bel Air Auto Auction manages the flow of more than 100,000 vehicles each year, handling consignments from new and used car dealers and private business fleets as well as those from public service and government agencies. Bel Air Auto Auction sells on six dealer auction lanes every Thursday.

The auction is strategically located in Bel Air, MD just 17 miles from Baltimore and 80 miles from Philadelphia and provides a wide range of auto-related services, including floor planning, storage, transportation, Internet sales, full vehicle reconditioning, and certification. We even assist in the selling of donated vehicles to help raise funds for many charitable organizations. Contact us today at (410) 879-7950 to learn more about our dealer auto auctions in Bel Air and Edgewood, MD .

Continued Dealer Auction Growth

Over the last 60 years, Bel Air Auto Auction has grown and evolved to become one of the most respected, efficient marketplaces for buyers and sellers in the mid-Atlantic. In addition to weekly dealer auctions. we offer public auctions . salvage auctions . powersports auctions . and real estate auctions (via our Atlantic Auctions ). More remarketing options means auction cars move quickly, and at the best possible prices.

We ve built long-standing relationships with our clients over the years, ranging from small local dealers to large financial institutions. We are happy to tailor our services to provide just the amount of support our dealers need from auto auction transportation and reconditioning, to promotion and inventory management, to marshaling and other specialty services. Our clients are our priority, and we strive to grow and maintain our relationships with them. Contact us to learn about how to get involved in our Bel Air dealer auctions .

Benefits of Online Auctions

Bel Air Auto Auction offers cutting-edge simulcast online sales, electronic payment, and even custom online sales programs for banks and credit unions. Our auto auction data management system is driven by industry-leading technology that integrates seamlessly with This capability allows our auto auction company to truly offer the best of both worlds our superior, local customer service backed by the most powerful data systems in existence. In addition to expanding markets geographically, our online database allows pre-sale vehicle searches that match buyers and sellers exactly, driving even greater dealer auction success. Come see for yourself!

The Bel Air Auto Auction Difference

We provide numerous dealer auto auction services for the convenience of our dealers, including:

  • Transportation Vehicle pickup and delivery
  • Automated Vehicle Check-in
  • Electronic Condition Reporting
  • Full Reconditioning and Repairs
  • Complete Paperless Block Sale Administration
  • Settlement Reporting within 1 Day
  • All Lanes Simulcast Online bidding from anywhere
  • Secure Storage
  • Recovery and Remarketing Services

The satisfaction of our auto auction buyers and sellers is always our top priority. Contact us with any questions or to learn more about our Bel Air auto auctions. and we look forward to serving you at an upcoming dealer auction. Learn more about Maryland auctions and begin buying or selling today.

Bank Repossessed Cars For Sale, Click Here!

#repossed cars for sale

Bank Repossessed Cars

Are you thinking of buying yourself another car? Are you thinking of buying a car that you have always wanted? Well, you have to know that buying a brand new car is not the only way to get the car of your dreams. One way to get the car you want without having to pay as much is by purchasing bank repossessed cars .

Bank repossessed cars are usually sold off at auctions so you must know a thing or two before you start bidding with your own money. Read on to know some important facts as well as common but crucial advices when dealing with various kinds of sales and auctions for repossessed cars.

1. Where do bank repossessed cars come from?

Repossessed cars are used cars. When we say used cars, it does not necessarily mean that the vehicles involved have too much wear and tear on them. In fact, vehicles which are repossessed by banks are often near their brand new condition. The previous owners of these cars have probably not met their payment terms despite the chances to pay given by the banks. Now, as part of the agreement, a buyer will have to give back his car if he cannot abide by the sale terms. In essence, these repossessed cars are almost new and are in good running condition but they have to be sold off to other interested buyers who can pay for them even at much lower prices.

2. How much can you save when buying a bank cars from repossessed?

Buying a repossessed car either from the bank or the government can usually give you an amazing slash off the retail price. In fact, you can get as much as 30-70% off the car’s retail price. For this reason, being able to bid for a car in an auction is considered to be a great opportunity to buy an excellent (even a luxury) car with the best deals.

3. Where can you know about bank repossessed car auctions and sales?

The first place that you should rely on is the bank. Banks often have their own form of announcement whenever they will be holding repossessed car auctions. Despite these announcements, do not expect it to be widely advertised as banks do not need to go into great extents of advertising such events. It would be better if you have direct contacts which can provide you such sale or auction information. Another way to get updated auction or sale schedules for bank repossessed vehicle is by using online resources. There are several websites which specialize in repossessed or seized car auctions. You simply have to go online to know the car auction and sales schedules in your area.

4. What’s the big deal with repossessed cars?

The answer to this is quite simple: bank repossessed vehicles are great car deals which should never be allowed to pass on. You can buy the car you want for yourself or you can also buy a car that you can resell for profit.

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