Standard Presumptive Calculator


#used car value calculator
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Standard Presumptive Value

Texans who buy a used vehicle from anyone other than a licensed vehicle dealer are required to pay motor vehicle sales tax of 6.25 percent on the purchase price or standard presumptive value (SPV), whichever is the highest value.

SPV applies wherever you buy the vehicle, in Texas or out of state. A vehicle’s SPV is its worth based on similar sales in the Texas region. The Texas Legislature passed the law in 2009 to raise additional revenue to fund Texas schools. Black Book, the national guide that provides the values, uses an average wholesale used vehicle value based on Texas sales data. You can preview the full SPV of a used vehicle by entering the vehicle identification number (VIN) and odometer reading (not needed for motorcycles) in the boxes below.

  • Values are updated weekly.
  • SPV should be used for estimation purposes only.
  • Actual sales tax due is calculated at the county tax office when the title transaction is submitted.
  • If a value for a late-model vehicle is not available, tax is based on the purchase price.
  • This SPV calculator does not contain mileage adjustments for vehicles older than 2005.

If you paid less than the standard presumptive value for your vehicle, you may pay sales taxes on an appraisal amount provided it is certified by a licensed insurance adjuster or a licensed motor vehicle dealer; and obtained within 20 working days of the date of purchase.

Standard Presumptive Value Calculator


Car Shipping Quotes – Price Calculator


#shipping cars
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Montway’s Car Shipping Quote Calculator

Montway Auto Transport offers consumers the easiest and most convenient way to transport vehicles city to city or coast to coast. Whether you need to ship a classic car or your everyday family vehicle, you can move it nationwide with Montway.

Our auto transport quote calculator is so easy to use you’ll be ready to book your move before you know it. Simply provide your vehicle’s make and model, origin city, destination city, email and preferred transport method and you’ll have a shipping quote in an instant.

5 Reasons Why Our Rate Calculator is the Best

#1 – Saves You Time

Other auto transport companies force prospective customers to fill out extensive forms in order to get a car shipping quote. They ask for names, home addresses, phone numbers and more. At Montway, we value your time and don’t waste it with invasive pre-rate questionnaires.

  • By quickly determining the correct rate, our vehicle transport quote gives you the information you need instantly

#2 – Protects Your Privacy

We respect your privacy. Other car moving services collect a ton of private information before allowing you to even see their shipping rates. At Montway, we do things the right way.

  • We let you know how much it costs up front without requiring tons of personal information
  • Our car shipping quote calculator is simple so you can comparison-shop safely and privately

#3 – No Pressure

Since Montway doesn’t require a phone number beforehand, our price estimates are available to you free from pushy sales calls and high-pressure tactics.

  • Our online price calculator gives you the information you need without subjecting you to a sales pitch. Whether you’re shipping your everyday car or need an exotic car transported. we’ll offer you a convenient online quote
  • Our rates speak for themselves, and we’re sure you’ll agree after comparing them to other auto transport companies

#4 – Competitive Rates

As a company that has been in business for over a decade, we know how this industry works. By truly caring about our customers and applying our knowledge of auto transportation, we can offer the best car shipping rates coupled with quality service.

  • We want your business and are committed to offering the best car shipping services  at the lowest possible rates
  • We don’t need high-pressure tactics or gimmicks to win your business
  • We are honest, offer the best vehicle shipping rates in the business and provide outstanding customer service
  • Our online auto transport quotes make it easy to compare our prices with others in the industry so you can decide for yourself

#5 – Quality Service

When you ship a car with Montway, you have a choice between an open or enclosed car carrier for your door-to-door vehicle delivery. We even offer expedited car transport  nationwide.

  • We’re licensed and cargo insured, and only hire the best drivers to manage your vehicle’s safe delivery
  • Our commitment to quality is manifested in every aspect of our business, especially in our unique online car shipping quote calculator. We made it easy to use and convenient in order to save you time and effort
  • Customer satisfaction is our primary goal. Read our customer reviews  and check out our Better Business Bureau grade.

Whether you are shipping to the next state over or across the country, we offer you a hassle-free car transport. We’re committed to making relocation easier for you. From our instant car shipping quotes to our top-of-the-line customer service, we’ll work with you every step of the way. Montway Auto Transport is the one-stop solution for all of your vehicle transportation needs.

Don’t hesitate to contact Montway  by calling  (888) 666-8929  or through our live chat customer support system. And remember, you can visit our FAQ section  for answers to many common car moving questions.


Car Payment – Affordability Calculator


#payment calculator for cars
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Car Payment and Affordability Calculator

What to Consider for Car Payments and Affordability

Auto Ownership Education Center

Actual price and payments may be different due to local rebates, specials, fees, and credit qualifications. Consult your dealer for actual price, payments, and complete details. View Disclosures.

Payments

This tool provides estimated monthly payments and estimated APRs for illustrative purposes only. Actual price and payments may be different due to local rebates, specials, fees, and credit qualifications. Consult your dealer for actual price, payments, and complete details.

Pricing shown may exclude a document fee, destination/delivery charge, taxes, title, registration, service contracts, insurance or any outstanding prior credit balances. Optional equipment not included. Option pricing is based on the manufacturer’s suggested retail price.

For purposes of calculating your monthly payment, the estimated Manufacturer’s Suggested Retail Price (MSRP) was used. Not all terms are available in all areas. Terms may vary based on creditworthiness.

The price shown is for qualified, eligible customers. Actual dealer price will vary.

Many variables, including current market conditions, your credit history and down payment will affect your monthly payment and other terms. See your local dealer for actual pricing, annual percentage rate (APR), monthly payment and other terms and special offers. Pricing and terms of any finance or lease transaction will be agreed upon by you and your dealer.

The estimated monthly payment is based upon the credit rating of 800.

Rates

An APR is the cost of your credit as a yearly rate. User APR Payment calculations are based an APR and term. The initial APR is provided for estimation purposes only and you may change it at any time. However, you may not be able to finance your vehicle at this rate. See your local dealer for details and actual available terms and conditions.

You may not be able to finance your vehicle at the rate provided.

Incentives and Rebates

Incentive and finance offers shown may not be available to all customers. Incentives lists are examples of offers available at the time of posting and are subject to change.

Not all incentives can be redeemed together. To take advantage of rebates, incentives and/or financing offers you may be required to take new retail delivery from dealer stock by the expiration date noted.

Trade-In

The “Net Trade-in” is an estimate only and many factors that cannot be assessed without a physical inspection of the vehicle may affect actual value. NADAguides is not responsible for and does not guarantee the “Net Trade-in” information. Please see your local dealer for information regarding actual trade-in availability and value.

ZIP Code

Your ZIP Code helps us calculate your payments and offers.

Images shown may not necessarily represent the actual vehicle used to calculate the estimate. Vehicles shown may have optional equipment at additional cost.


Car Loan Calculator: Monthly Automobile Repayment Calculator


#payment calculator for cars
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Auto Loan Calculator

The First Necessary Step in the Car Buying Process

Whether you buy new or used, it’s wise to get pre-approved for a loan before you ever step on a car lot. Go to your bank or credit union and ask the agent if you qualify for a loan and how much. The agent will check your FICO credit score and other obligations and provide you with an amount and interest rate. A FICO score can be between 300 and 850. The higher the score the lower the interest rate you will be offered. People with a bad credit history may pay interest rates that are more than double prime rates. You can also shop for auto loans online if you aren’t concerned about where your personal information goes. Armed with a pre-approved loan you are now in control and have a choice to go with dealer financing or stick with your bank, whichever rate is lower.

How to Get the Best Deal

Got new car fever? Well, first, you need to do a little homework. With the internet, the mystery of the automobile buying process has been unveiled and you can be a well-informed buyer ready to negotiate for the best price. First of all, go to ConsumerReports.org to check out vehicle reliability. You may be eying that shiny red sports car, but if its review states that this manufacturer has a history of poor performance or something like electrical issues, you may want to reconsider.

Test drive the vehicle you have in mind, but renting one from a car rental company for a couple days is the ultimate test.

The Internet has Changed Automotive Shopping

After you have determined the car you want to buy, go to Edmunds.com to find the invoice price. Do not shop without this information in hand. It’s your leverage in the negotiating process. If you don’t have this piece of information, the dealer will work from the MSRP which is a much higher price. Consider MSRP as retail price and invoice price as dealer cost. Never pay higher than invoice price. And don’t worry, the dealer still makes a profit. There is something called holdback which the manufacturer gives the dealer for each vehicle. It’s usually 2-3 % which they receive quarterly. At times the manufacturer also offers dealer incentives for specific models.

You can shop online and get instant automobile quotes at sites like CarsDirect and TrueCar. If you are not comfortable buying online you can always use their quotes to see if the traditional dealer will match the price.

If you have looked ahead and planned your purchase, note that some times of the year are better than others to buy a car. Salesmen work on commission and have monthly, quarterly and yearly goals to meet. So buying at the end of one of these periods can save you money, especially if the salesman hasn’t hit his quota.

If you have made a decision on the exact vehicle you want, visiting the dealership late in the day may work to your advantage because everyone is eager to go home. Aside from the information we provide here, you may want to read some personal stories of sale negotiations to better visualize and prepare yourself:

  • How to Negotiate for a Used Car The Art of Manliness
  • The Four-Square Technique that Dealers Use, and How to Beat It The Consumerist
  • One guy’s trade-in value dispute with a dealership after using TrueCar also from The Consumerist

Understanding 0% Financing vs. Factory Rebate

Many times dealerships will offer a choice of 0% financing or a factory rebate. How do you know which is better? Figure out the interest you would pay for the life of the loan if you financed with your bank. If the interest is more than the rebate, then take the 0% financing. For instance, using our loan calculator, if you buy a $20,000 vehicle at 5% APR for 60 months the monthly payment would be $377.42 and you would pay $2,645.48 in interest. If the rebate is $1,000 it would be to your advantage to take the 0% financing because the $1,000 rebate is less than the $2,645.48 you would save in interest. Be aware though, that unless you have a good credit rating, you may not qualify for the 0% financing and this option may only be offered on selected models. People with poor credit are a major source of profits because they can be charged far higher interest rates. Some buy here, pay here dealerships specifically focus on subprime borrowers.

Some Used Cars Are a Real Bargain

Before you take the plunge of buying a new car, consider a used one. Frugal shoppers know that new cars depreciate as soon as they are driven off the lot, and in fact lose on average 15-25% of its value each year the first five years. Buying one that’s a couple years old can still provide you with a reliable vehicle for thousands less while letting someone else take the depreciation hit. If you trade in every few years then depreciation is something to consider, so look for vehicles that traditionally hold their value such as Honda, Toyota or Lexus. If you keep your automobile until it falls apart, then depreciation is not a concern for you. New models for the upcoming year usually arrive late summer or early fall. Although selection may be limited, this is a great time to consider buying last year’s model because the dealer will need to make room for the new ones.

Check the used car history by the VIN# on sites like Carfax or Autocheck. This will help eliminate anything that looks questionable. Anything that says it’s a salvage should raise a red flag. Salvage vehicles are those in accidents that the insurance company has determined repair costs are more than it is worth. Some shops will try to repair them and sale them at a steep discount. These are given salvage titles. Unless you are mechanically savvy, it’s best to avoid these. On the other hand, something called a program car is usually an exceptional bargain. A program car is a one that was driven on company business by a manufacturer employee. They are driven very little and are well maintained. They usually have 10,000 miles or less on the odometer. Dealers pay low prices for them and are not shy to advertise them. They usually still have factory warranties. Still not convinced to buy used? Then consider insurance costs on a used car will typically be significantly less expensive than on a new one.

There’s More to a Loan than a Monthly Payment

When it comes to borrowing money, a wise shopper looks at the total cost of the loan, and not just at the monthly payment. Too many advertisements state only the monthly payment. You need to dig deeper to see the real story. In general, a lower interest rate will cost you less money. A $20,000 loan at 5% for 60 months (5 years) will cost you a total of $22,645.48, whereas the same loan at 3% will cost you $21,562.43. That’s a savings of $1,083.05.

That same wise shopper will look not only at the interest rate but also the length of the loan. The longer you stretch out the payments, the more expensive the loan will be. Let’s take that same $20,000 loan above at 5% at 5 years and see how much we can save by paying it off in 3 years. So, $20,000 at 5% for 36 months will cost $21,579.05 saving you $1,066.43. Using the calculator above (assuming $0 down payment, $0 trade-in and 1% sales tax) you will see that the monthly payment for the 5 year loan is $377.42 and the monthly payment for the 3 year loan is $599.42. If you can easily handle the higher payment the savings are well worth it.

If your credit drastically improves your initial loan was at a higher interest rate, it may be worth looking into refinancing at a lower rate.

What To Do with Your Trade-In

Although it’s convenient to trade in your old vehicle to the dealer at the time of purchasing another, it’s not to your best advantage. You are likely to get the least value from the dealer, as they have to move it yet again and need to ensure a safe profit margin on selling it. They do not have to take your old automobile, and will offer you what will make them the highest profit. Some dealerships may offer artificially high trade in values, but only offer them in association with a higher price on the vehicle they sell you.

The better option is to sell it privately. It seems even government agencies are freely giving out this advice; from the Arizona Attorney General to the FTC. Don’t underestimate the value of your old car. Go to Kelly Blue Book online to do your valuation research. If you can sell it, even for a small amount, it’s extra bargaining power for your new vehicle.

Another option with your old automobile is to keep it. An old pick up truck used for heavy work can help protect the value of a new vehicle by minimizing wear and tear, along with depreciation. Automotive insurance companies typically offer multiple vehicle discounts.


Car Insurance Calculator – Calculate Your Insurance Instantly!


#car insurance premium calculator
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How your car insurance premium is calculated

There are a lot of factors which are involved when calculating your car insurance costs, our car insurance calculator can only make an estimate based on common criteria such as age, gender, location, etc. To get the most accurate estimate we recommend going right to the source and comparing insurance companies offerings. You can check out our easy to use auto insurance quotes tool to see what you can expect to pay. Looking for full coverage car insurance. Check out www.fullcoveragecarinsurancecalculator.com

Some of the criteria used to calculate the cost of car insurance:

Your age: Sorry to say, but young driver can expect to pay much more for insurance. Young drivers are more prone to accidents and reckless driving (Statistically speaking), therefore insurers require a substantially higher premium from people between the ages of 16 to 26. Your age is one of the biggest factors affecting the amount you pay for insurance, and unfortunately there is not much you can do about your age.

Gender: Men are going to pay more for auto insurance. Men are more likely to speed, drink and drive, drive recklessly and even less likely to wear a seat-belt. Just like your age, there s not much you can do about your gender, so unfortunately for all the responsible safe driving men out there you re paying extra because of a few bad apples.

Your Vehicle: The type of car you drive will affect your insurance premiums. Some of the factors which determine your insurance premium are:

Model of your car: Driving an SUV or truck will cost you more then driving a smaller model of car. Some car s are also more prone to theft in certain states/cities, if your car is on a insurance companies list of cars which has a low rate of theft you will pay less for insurance. Here s a list of the most stolen cars of 2012, as compiled by Forbes .

Engine Size: Cars with a bigger engines have more power. The more powerful your car the faster it is and the more likely you will be involved in accidents. This is why larger cars generally require larger insurance premiums, while smaller cars with less powerful engines will end up paying less.

Value of your car: The more expensive your car the more your car insurance premium will be. More expensive cars have higher costs of repair because there is less specialized repair shops, harder to acquire broken parts and because pricier car s generally have the two factors mentioned above against them ( More powerful engine, More likely to be stolen,etc)

Your location: If you live in an area with higher crime rates, expect to pay more for insurance. If you live in a city, expect to pay more then you would if you lived in a rural area. Living in the city drastically increases the chance of vehicle theft and accidents.

Your Driving record: If you have had a DUI, speeding tickets or been fined/convicted for reckless driving you can expect to pay more for insurance.

How to save money on car insurance

Now that you know how your car insurance is calculated lets see what you can do to reduce the cost as much as possible. Here s a few tips I recommend to everyone trying to lower their insurance cost, some of these tips might be applicable to you, some might not be.

1) Increase your risk, lower your insurers risk. If you have an inexpensive car and would rather pay for repairs out of pocket then dropping your collision insurance would be a smart thing to do. Collision insurance is unnecessary especially if your car is older or cheaper ( Under $5,000). If you have a new, or expensive car raising your deductible is one way to lower your insurance cost. By raising your deductible you increase your risk, but lower it for your insurer. In the long run a safe driver will save more money this way because they will pay less for insurance. Deductibles are usually set around $500-1000, by raising your deductible to $1000-2000 you can expect much cheaper insurance costs.

2) Ask for a discount. Many insurance companies have discounts available, even if they might not be openly advertised. If you don t drive often you might be able to qualify for a low-mileage discount. There are tons of discounts available, all you need to do is ask.

3) Bundle your insurance. Insuring your house, car, healthcare with one provider will lower you insurance premiums immensely. Not only does bundling your insurance lower the cost for you, it gives you more sway when asking for discounts/help from insurance companies since you are heavily invested with them.

4) Improve you driving. I m sure you a great driver, but insurance companies are untrustworthy fellows so we need to show them. One way to show your dedication and skill to safe driving is by taking a defensive driving course. Defensive driving courses are offered in many states and insurance companies are known to give discounts for participants, I recommend you call and ask the insurance company if they will offer you a discount ( some do, some don t). Taking a defensive driving course might cost you a few hundreds dollars, but it will save you much more money long term, plus you might learn a thing or two.

5) Shop around. There s lots of insurance companies, which means there is lot s a variety in the pricing and offerings. The more companies you compare the more likely you are to get more bang for you buck. Use our auto insurance quotes calculator and our insurance search above to compare dozens of insurance companies.


Car Insurance Calculator


#car insurance premium calculator
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Car Insurance Premium Calculator

In recent times, owning a car has not only become a status symbol but also a necessity. A car is an asset that is seen as a milestone in everybody’s life. A prudent choice to make after buying a car is obtaining a car insurance. A comprehensive car insurance cover will act as a financial safeguard against unexpected accidents and minor mishaps on the road. A car insurance is mandatory in India by law and it will also ensure that you and your vehicle stay safe always.

What is Car Insurance Premium Calculator?

  • Car insurance premium calculator is a dynamic tool provided, online, by car insurance companies.
  • Almost every reputed motor insurance company has an insurance premium calculator on their official portal.
  • With the help of the car Insurance calculator, customers can get a quote for their car insurance policy and the premium amount they need to pay for the same.
  • Just visit the ‘car insurance calculator’ page and fill in some basic information about yourself like the policyholder’s name, contact details and address, followed by some standard details about the insured/to be insured car.
  • These details are – car manufacturer’s name, model number of the car, manufacturing year, car sub-type (if any), fuel type and registration date.
  • Some companies also give you an option of selecting if you want to insure the accessories installed inside the car.
  • After you have filled the details correctly, just click on the ‘calculate premium’ button and you will immediately get the quote.
  • After this, you also get an option to get more information and payment option to buy car insurance of your choice.

How is the Car Insurance Premium Calculated?

Factors that affect the Car Insurance Price

  1. The premium of car insurance depends on the following factors.
  2. IDV (Insured Declared Value) of the vehicle
  3. Type and age of the vehicle
  4. Cubic Capacity of the engine
  5. Geographical zone

Car Insurance Premium Calculated On The Below Mentioned Fators

A “Package Policy” has two main components namely ‘Own Damage premium’ and ‘Liability Premium’. It is important to note that liability Premium is fixed by the insurer. It is the minimum statutory premium to be paid as fixed by IRDAI (Insurance Regulatory and Development Authority of India).

Let us look at some important components that influence th

  • Insured Declared Value or IDV of the Vehicle

At any point, your car is worth some value. Assuming you had insurance for your car, the value will help the insurance company decide on the compensatory amount. IDV will decide the value of your vehicle at any given point of time under a comprehensive car insurance cover.

Simply put, IDV is the maximum amount that you can claim for any loss or accident of the vehicle. It is one of the important factors that greatly affect the premium.

IDV = Ex-showroom price of your car + cost of accessories (if any) – depreciation value as per IRDAI

Depending on the age of the vehicle, the depreciation ranges from 5% to 50% of the ex-showroom price.

  • Cubic Capacity (CC) of the Vehicle

    The premium amount also depends on the engine power of your car. More the cubic capacity, more will be the premium.

  • No Claim Bonus (NCB)

    In order to reward policyholders for being a responsible driver, insurance companies have come up with the concept of No Claim Bonus. You are entitled for a NCB discount if you have not made a claim the previous year. If you have a NCB component in your policy, you can save up to 50% on the Own Damage (OD) premium.

    There are some additional discounts that are offered under Own Damage Premium. Installation of anti-theft devices like a car alarm, membership of Automobile Association of India and opting for voluntary deductible or excess will fetch you discounts on the premium.

    Any electrical or electronic accessories that is fitted to the vehicle like CD/DVD Players, CNG or LPG units, but is not included in the manufacturer’s selling price of the car is insured at an extra amount

    Tips to Reduce Car Insurance Premium

    1. No Claim Bonus is an easy way to progressively reduce your premium. For example, consider the following scenario where because of NCB, the premium is being lowered gradually.

  • Car Affordability Calculator


    #used car value calculator
    #

    Car Affordability Calculator

    Next Steps

    Total loan needed*: $0

    * Total loan amount factors in down payment, trade-in value and sales tax.

    Our calculators are intended to produce rough estimates provided solely for informational purposes. You should not take action based on the information provided through this calculator alone. When available, we recommend that you use interest rate information provided to you by your dealer or lender. Average price paid values are national averages provided by TrueCar.com.

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    How to Buy a Car

    Get helpful tips on car financing, including advice on how to get a car loan, whether to buy or lease and how to negotiate for a car.

    Get guaranteed savings with our Best Price Program. Shoppers have seen average savings of $3,221 off MSRP. Learn More