Cheap car audio and car stereo: Really the Cheapest Prices. Check Now. #cars #for #sale #under #1000


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Cheap car audio

There are many people who want to hear what they are playing. They want a great audio system for their car. However, as desperate as these times are, you will find that there is indeed a need for cheap car audio.

When you look for cheap car audio, you will find that there is a way to get them. There are sales. There are also places where you can find them used. You do have to be careful though when you go about to buy them used. You can’t test them out, so you don’t know what you are getting when you buy them this way.

When you buy cheap car audio. you get the sound you want using the amount you like. This saves you money and gives you enough money to be able to pay for other things which you would like to have. So, you will see that there is plenty to know about cheap car audio.

A car in this day and age isn’t a true car unless the sound is great. Now, there are all sorts of things you can use in your car and you need audio for them. Therefore, make sure you have the system that fits your needs. If you aren’t sure as to what you are looking for, then talk to someone who works with this. They can help you to get what is best for you.


Free Car History Reports – Are they really free? #compare #car #rentals


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Free Car History Reports

If you aren’t prepared to shell out the $39 you’ll need for a CARFAX report. there are some options available.

CARFAX themselves offer many free services. Their Lemon Check service runs a full report in the background – you won’t get to see the report itself, but it will tell you the total number of history records available for that VIN, as well as if any of those were Manufacturer Buyback or Lemon records. The drawback to this method is that you won’t be able to see any accidents or similar problems with the vehicle, which could lead to costly repairs down the line.

CARFAX also offers, completely free, a PROBLEM CAR CHECK. Simply enter a vehicle, and they will generate a short list of cars for sale in the area that have red flags attached to the VIN. This can be a great way to narrow your initial search, weeding out problem cars from the get-go, and may be especially useful if you’re considering any private sales.

Many times, used car dealerships have accounts with CARFAX already, and can access unlimited reports for no additional fee. If you’re shopping at a dealership, don’t be afraid to ask for the vehicle history report. Even if you’re buying from a private seller, don’t be afraid to ask the owner to purchase the report! If they have nothing to hide, they should easily be able to absorb that cost, if it can help them seal the deal.

A bare-bones report is also available from the National Insurance Crime Bureau. With a VIN, you can search for any evidence of fraud in the vehicle’s history, including theft and major accidents.

However, the best way to access a free CARFAX report is to simply start your shopping on CARFAX. Their website features a search function for all catalogued vehicles for sale from dealerships that have subscribed to CARFAX. Enter your zip code, and search by make, model, or type (sedan, SUV, etc.), and filter by different issues you want to avoid – once you find a vehicle you’re interested in, the CARFAX report is available in full with the click of a button – completely free, no strings attached.


The Criminal Justice System: Statistics #is #the #criminal #justice #system #really #a #system


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The Criminal Justice System: Statistics

Perpetrators of sexual violence are less likely to go to jail or prison than other criminals.

The Majority of Sexual Assaults Are Not Reported to the Police

Only 344 out of every 1,000 sexual assaults are reported to police. That means about 2 out of 3 go unreported. 1

  • Individuals of college-age 2
    • Female Students: 20% report
    • Female Non-Students: 32% report
  • The elderly: 28% report 3
  • Members of the military: 43% of female victims and 10% of male victims reported. 4

Reasons Victims Choose Not to Report

Of the sexual violence crimes reported to police from 2005-2010, the survivor reporting gave the following reasons for doing so: 5

  • 28% to protect the household or victim from further crimes by the offender
  • 25% to stop the incident or prevent recurrence or escalation
  • 21% to improve police surveillance or they believed they had a duty to do so
  • 17% to catch/punish/prevent offender from reoffending
  • 6% gave a different answer, or declined to cite one reason
  • 3% did so to get help or recover loss

Of the sexual violence crimes not reported to police from 2005-2010, the victim gave the following reasons for not reporting: 5

  • 20% feared retaliation
  • 13% believed the police would not do anything to help
  • 13% believed it was a personal matter
  • 8% reported to a different official
  • 8% believed it was not important enough to report
  • 7% did not want to get the perpetrator in trouble
  • 2% believed the police could not do anything to help
  • 30% gave another reason, or did not cite one reason

Read more statistics aboutperpetrators of sexual violence.

Understanding RAINN’s statistics

Sexual violence is notoriously difficult to measure, and there is no single source of data that provides a complete picture of the crime. On RAINN’s website, we have tried to select the most reliable source of statistics for each topic. The primary data source we use is the National Crime Victimization Survey (NCVS). which is an annual study conducted by the Justice Department. To conduct NCVS, researchers interview tens of thousands of Americans each year to learn about crimes that they’ve experienced. Based on those interviews, the study provides estimates of the total number of crimes, including those that were not reported to police. While NCVS has a number of limitations (most importantly, children under age 12 are not included), overall, it is the most reliable source of crime statistics in the U.S.

We have also relied on other Justice Department studies, as well as data from the Department of Health and Human Services and other government and academic sources. When assembling these statistics, we have generally retained the wording used by the authors. Statistics are presented for educational purposes only. Each statistic includes a footnote citation for the original source, where you can find information about the methodology and a definition of terms.

  1. i. Department of Justice, Office of Justice Programs, Bureau of Justice Statistics, National Crime Victimization Survey, 2010-2014 (2015); ii. Federal Bureau of Investigation, National Incident-Based Reporting System, 2012-2014 (2015); iii. Federal Bureau of Investigation, National Incident-Based Reporting System, 2012-2014 (2015); iv. Department of Justice, Office of Justice Programs, Bureau of Justice Statistics, Felony Defendants in Large Urban Counties, 2009 (2013). (This statistic presents information together which originated from separate studies. RAINN presents this data for educational purposes only, and strongly recommends using the citations to review any and all sources for more information and detail.)
  2. Department of Justice, Office of Justice Programs, Bureau of Justice Statistics, Rape and Sexual Victimization Among College-Aged Females, 1995-2013 (2014).
  3. Department of Justice, Office of Justice Programs, Bureau of Justice Statistics, Crimes Against the Elderly, 2003-2013 (2014).
  4. Department of Defense, Fiscal Year 2014 Annual Report on Sexual Assault in the Military (2015).
  5. Department of Justice, Office of Justice Programs, Bureau of Justice Statistics, Female Victims of Sexual Violence, 1994-2010 (2013).
  6. Department of Justice, Office of Justice Programs, Bureau of Justice Statistics, Felony Defendants in Large Urban Counties, 2009 (2013).
  7. Department of Justice, Office of Justice Programs, Bureau of Justice Statistics, Prisoners in 2013 (2014).

Can I Really Get a 0% Car Loan? #used #cars #for #sale


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Can I Really Get a 0% Car Loan?

Is 0% auto financing just a scam? That’s the question that popped in my mind recently when my mother-in-law, who is fastidious about her finances, was turned down for that rate when she bought a new car. If someone like her, who has a history of no missed payments on any of her bills and very minimal debt, can’t qualify, who can?

While it’s not a scam, interest-free financing isn’t always easy to get. And even if you do qualify, you may not want it.

“Typically 0% loans are used by the manufacturers as a low cost leader to generate showroom traffic,” says automotive credit expert Matt Briggs, CEO of CreditJeeves.com .

“Only one out of 10 consumers actually qualifies for 0% and there are many factors that come into play,” warns Tony Le, pricing manager with Edmunds.com. There are typically two hurdles consumers who don’t want to pay interest on a car loan have to overcome.

High Scores Pay Off

The first is the high credit score that is often required.

According to Experian Automotive, the average credit score of borrowers who secured interest rates of 1% or less on their auto loans in the first quarter of 2014 was 748. (The scoring model used was VantageScore 3.0, which goes up to 850.) Only 8% of borrowers qualified for loans with rates of 1% or less, says Melinda Zabritski, senior director of automotive credit for Experian Automotive.

Get The Best Rates for a New Car Purchase or Refinance Find the lowest rate when you compare rates from multiple lenders, even if your credit isn’t perfect.

A Car Payment or a Mortgage Payment?

The other big hurdle? The monthly payment.

The average vehicle loan term is now 66 months, according to Experian, and the average amount financed is close to $30,000 ($27,612 to be exact). But some interest-free offers only extend to a 36-month loan. For a $30,000 loan, that would mean a monthly payment of $833 a month. “That’s the catch,” say Le.

It s not always the case that you have to take a short-term loan, however. Some manufacturers offer 60- or even 72-month financing with no interest.

“When you are negotiating, are you negotiating rate, or are you negotiating payment?” asks Zabritski. “If you are going to try to get a lower payment, (no-interest financing) might not be available on longer-term loans.”

One more potential pitfall: You may forgo the cash-back rebate in order to secure that rock-bottom rate, Le warns. Edmunds.com offers a calculator that compares APR with the rebate to figure out which is the better deal.

The Best of Both Worlds

Even if you don’t qualify for a 0% loan, you may be able to get a low interest rate on a longer-term loan that fits your budget. Here’s what kind of rates consumers pay, on average, in different credit score ranges.

As you can see from the table, while the difference between the average monthly payment consumers with poor credit are paying versus those who have excellent credit is only $35 a month, over the life of the loan, it adds up to $6,470 and that is a lot!

While there are consumers who get loans at 0% today, “anything between 2% 3.5% is a good rate,” Zabritski advises.

If you re not sure of your credit standing, you can check your credit score for free at Credit.com. Along with two scores, you’ll also get monthly updates and an action plan for your credit. The best time to check it is before you need to buy or replace your vehicle, since fixing mistakes or improving your credit can take time.

In addition, it’s a good idea to line up a loan before you walk into the dealership. If your dealer can beat that rate, great. If not, you know you’re covered. Credit unions (a popular source of low-rate vehicle financing) are even able to work with consumers across the country. You can shop for a nationwide credit union car or truck loan here .

More on Auto Loans:

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Gerri Detweiler focuses on helping people understand their credit and debt, and writes about those issues, as well as financial legislation, budgeting, debt recovery and savings strategies. She is also the co-author of Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights. and Reduce Stress: Real-Life Solutions for Solving Your Credit Crisis as well as host of TalkCreditRadio.com.

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7 Types of Car Insurance: Which Ones Do You Really Need? #nada #car #value


#car insurances
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7 Types of Car Insurance: Which Ones Do You Really Need?

The cost of even a small repair makes car insurance nice to have. When we start adding in the medical expenses that can go with a car accident, insurance becomes downright necessary. In many states, insurance is even a legal requirement before you can drive your car out on the road. But a wide variety of options are available when it comes to insurance there are actually seven different types of car insurance you can choose from in most cases and it can be difficult to decide just what type of auto insurance is the best choice for you, your vehicle and your budget. Here is a list of the seven types and what you need to know about each one.

1. Liability Insurance

When your state requires that you carry some sort of insurance for your car, they re usually looking for liability insurance. In the event that you are in a car accident and the police decide it is your fault, liability insurance covers the cost of repairing any property damaged in the crash (such as cars or buildings), as well as the medical bills from resulting injuries. Most states have a minimum requirement for liability insurance coverage that you absolutely must have.

However, it usually makes sense to go beyond that minimum requirement if you can afford the payment. That s because you are personally responsible for any claims that exceed your coverage s upper limit. In the event that you are in an accident, you don t want to run the risk of having to pay a significant amount of money out of your own pocket. How much liability insurance you need depends on whether you have a lot of assets to protect, as it is more important to have higher levels of coverage just in case of a catastrophe.

2. Collision Insurance

The biggest problem with carrying only liability insurance is that if there is an accident, you may wind up without the money to repair your own vehicle. A collision insurance policy makes it so that someone else — your insurer — will pay for the repairs to your car. If your car is totaled in an accident, a collision insurance policy will pay out the value of your car. While the payout won t cover for a brand new vehicle, the sum will equal approximately what the car was worth before the accident.

Collision insurance isn t a must-have, as far as insurance goes. If your car is older, it may not be worth paying for insurance, especially if you can work on saving up enough to replace the car if necessary. If you have a good-sized emergency fund. you may be safe without collision insurance. If you ve chosen a more expensive car or your car is relatively new, however, collision insurance can help you sleep much better at night.

3. Comprehensive Insurance

Liability and collision insurance policies exclusively cover car accidents. If something else happens to your car weather damage, theft, an animal collision you won t be able to get your insurance company to address the problem. With a comprehensive insurance policy, however, your insurer will handle just about any situation that comes up.

A comprehensive insurance policy is one of those things that are nice to have. However, coverage can be pricey and may not be worthwhile if your car would be relatively easy for you to replace, if you had to. Note though that you can bring down the price of this policy if your vehicle has an anti-theft and tracking devices installed.

4. Uninsured Motorist Protection

Just because the law requires everyone to have insurance doesn t actually mean that s the way things work out. Even if a driver has a liability insurance policy, most states have relatively low minimums that may not cover all of the expenses that can go along with an accident. One of the worst things that can happen is that you get stuck with the bills in an accident that wasn t even your fault.

The decision to get a policy that covers damage by an uninsured motorist isn t as clear cut as other policies. In theory, even if a driver doesn t have enough insurance to cover damages during an accident, he will still have an obligation to cover the costs out of pocket. It s only when the person at fault doesn t have any money that there can be problems.

5. Medical / Personal-Injury Protection

The costs associated with treating injuries after a car accident can be astronomical. In order to cover those costs, medical and personal-injury protection is available. No matter who is at fault, such protection will cover your medical bills along with those of your passengers.

If you have a good health insurance plan. however, it s far less likely that medical and personal-injury protection will be useful to you. And considering how much more a general health insurance policy covers, it should be your first choice.

6. No-Fault Insurance

So far, no-fault insurance is available in twelve states. This option covers injuries and property damage, no matter who is ultimately responsible for a given accident. The decision to choose no-fault insurance really depends on what other insurance options are available to you and at what price. Some no-fault policies can be expensive, making it more cost-effective to choose other options, especially if your car is inexpensive to replace.

7. Gap Insurance

If you are still making car payments, gap insurance may be a good choice. It s meant for drivers who still owe money on their cars and need to pay off the vehicle if it is totaled in an accident. It s generally a good choice if you owe more on your car than you could easily pay off on short notice.

Gap insurance is especially worthwhile if you owe more on the car than you could get for it if you sold it today, since many insurance policies will only cover the value of the car, rather than the cost to replace it. Some lenders may require you to have gap insurance or something similar until you pay off the vehicle, so you may already have it whether you know it or not.


Really Cheap Car Insurance #hybrid #cars


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Really Cheap Car Insurance

Author: mjensen

There are really important things to look at when it comes to cheap car insurance and finding the right policy for you. We all want to save money especially when it comes to car insurance. It also makes sense to save money on something that you hope to never use but want to have in place in case of some unexpected, unfortunate accident or disaster occur. So lets look at some tips for finding really cheap car insurance .

The first place to begin is by getting many quotes from varies different insurance companies. This is easier to do online. You can fill out a simple form and get multiple quotes fast. It is easy and free. It is a good idea to do this every six months  or so just to verify that you are getting the best price before you purchase.

Check with your current insurance company for any discounts for being loyal or being accident free or ticket free for a certain period of time. Some car insurance companies offer to reduce your deductible over time as you are a good driver.  An important thing to ask is if they will increase your premiums if you do have an accident. There are other discounts they may offer from good student to discounts to a discount for being a member of a specific organization such as a charity or credit union.

An important part to really cheap car insurance is by understanding the coverage you need and do not need. A deductible is an important part of your policy. Increasing the deductible on your policy and certainly decrease the cost of your premium payments.

Everyone deserves the opportunity to find really cheap car insurance. Many other factors will affect your ability to obtain cheap car insurance for your cars from your credit score to your driving record as well as the make and model of your car. But if you learn a little about your insurance you will be able to get the best price available to you with these tips.


Really Cheap Car Insurance #car #sales #adelaide


#very cheap car insurance
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Really Cheap Car Insurance

Author: mjensen

There are really important things to look at when it comes to cheap car insurance and finding the right policy for you. We all want to save money especially when it comes to car insurance. It also makes sense to save money on something that you hope to never use but want to have in place in case of some unexpected, unfortunate accident or disaster occur. So lets look at some tips for finding really cheap car insurance .

The first place to begin is by getting many quotes from varies different insurance companies. This is easier to do online. You can fill out a simple form and get multiple quotes fast. It is easy and free. It is a good idea to do this every six months  or so just to verify that you are getting the best price before you purchase.

Check with your current insurance company for any discounts for being loyal or being accident free or ticket free for a certain period of time. Some car insurance companies offer to reduce your deductible over time as you are a good driver.  An important thing to ask is if they will increase your premiums if you do have an accident. There are other discounts they may offer from good student to discounts to a discount for being a member of a specific organization such as a charity or credit union.

An important part to really cheap car insurance is by understanding the coverage you need and do not need. A deductible is an important part of your policy. Increasing the deductible on your policy and certainly decrease the cost of your premium payments.

Everyone deserves the opportunity to find really cheap car insurance. Many other factors will affect your ability to obtain cheap car insurance for your cars from your credit score to your driving record as well as the make and model of your car. But if you learn a little about your insurance you will be able to get the best price available to you with these tips.


Top 4 Car Scratch Removers that Really Work DetailXPerts Blog #call #a #car


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Top 4 Scratch Removers that Really Work

With lots of car scratch removers on the market today, we all ask the same question do they really work? Many people would assume a product called a scratch remover would remove all scratches from a car s paint. But after testing a few do-it-yourself scratch removers, I found they have their limitations.

Car scratches can be as annoying as a baby in the back seat crying nonstop. On that note, let us start our hunt for the best brand of car scratch remover on the market.

Turtle Wax – Scratch Swirl Remover

Reviews about Turtle Wax, say that it is very easy to apply but is so hard to remove. It is not advisable to use this product on large areas to remove scratches. Although it has been receiving grave reviews, and even mention as one of the Top 4 Auto Detailing products posted in National News Today. Turtle wax Ice seems to be the newest detailing product on the market today. Turtle wax Ice works best on surfaces like plastic and rubber. One disadvantage of the brand is detail technicians cannot clean it up well and its effects do not last longer than a week.

Turtle wax is a brand known around the country. It works great with small scratches on smaller surface areas. It will work best on surfaces like plastic and rubber too. So when planning to use this product for large scratches on larger surface areas, think about the overwhelming clean up you might need to deal with along the way.

  • Quixx Repair System – High Performance Scratch Remover

    Quixx Repair System is another one of the brands we will see on the market today that offers top scratch removing effects. which it really does. The usual process to remove scratches on vehicles is to have a professional paint job done which may cost you. A cheaper option is to use scratch removers. Unlike other scratch removers, Quixx Repair System can deal with deep scratches like a fingernail scratch on your vehicle according to Consumer Reports. Customers also rate the product 4 out of 5 stars. This would place the product among the elite. Directions should be followed carefully especially if it is your first time to use this product. Consult a professional detailing company if need be. Here s an interesting video about this product:

    Nu Finish Scratch Doctor

    Nu Finish got a fair score on reviews as it is effective to use on small scratches but will not be of help on deeper scratches. Clean un-waxed car layers are clear coat, paint, primer, and afterwards the body. According to a review on Amazon, if the scratch does not go beyond the clear coat layer, then the Nu Finish Scratch Doctor can deal with it. But further than that, it is better to consult a professional detailing expert to bring back a nice glossy finish to your car.

  • Meguiars Scratch X

    The buzz about this product truly is what it is all hyped up to be. Clean You Car, said it best, “A must have for collectors and enthusiasts.” Meguiars Scratch X is a product tough enough to get rid of fine scratches but gentle enough not to worsen the initial state of your vehicle. It is also effective on swirls, light blemishes and oxidation. It is a highly rated non-abrasive product. When using this product it does not matter which direction you move your hand, thus decreasing the risk of getting a haze on your car while using the abrasive products.

  • With all the products listed above its now time to answer our initial question on, “Do car scratch removers really work?”

    What it boils down to is they all can remove very light scratches and imperfections, such as swirl marks, hazing, or oxidation. You must be careful not to make the condition worse. Which brand to use will depend on a few things: your preference, and the size of the surface area which needs treatment. Most of the scratch removing products on the market today can only remove small scratches. As for deep scratches, Quixx Repair System – High Performance Scratch Remover is the only one that can remove deep scratches. But I would like again to stress that it will still depend on the depth of the scratch. If it is too deep to run your nails into it, a professional detailing services will always be the wiser choice.

    Tell us in the comment what car scratch remover do YOU use and why?


    Really Cheap Car Insurance #replacement #car #keys


    #very cheap car insurance
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    Really Cheap Car Insurance

    Author: mjensen

    There are really important things to look at when it comes to cheap car insurance and finding the right policy for you. We all want to save money especially when it comes to car insurance. It also makes sense to save money on something that you hope to never use but want to have in place in case of some unexpected, unfortunate accident or disaster occur. So lets look at some tips for finding really cheap car insurance .

    The first place to begin is by getting many quotes from varies different insurance companies. This is easier to do online. You can fill out a simple form and get multiple quotes fast. It is easy and free. It is a good idea to do this every six months  or so just to verify that you are getting the best price before you purchase.

    Check with your current insurance company for any discounts for being loyal or being accident free or ticket free for a certain period of time. Some car insurance companies offer to reduce your deductible over time as you are a good driver.  An important thing to ask is if they will increase your premiums if you do have an accident. There are other discounts they may offer from good student to discounts to a discount for being a member of a specific organization such as a charity or credit union.

    An important part to really cheap car insurance is by understanding the coverage you need and do not need. A deductible is an important part of your policy. Increasing the deductible on your policy and certainly decrease the cost of your premium payments.

    Everyone deserves the opportunity to find really cheap car insurance. Many other factors will affect your ability to obtain cheap car insurance for your cars from your credit score to your driving record as well as the make and model of your car. But if you learn a little about your insurance you will be able to get the best price available to you with these tips.


    Is it really cheaper to buy a car online? When you buy a car online is there a drop off in service from the dealer (Car Buying True Market Value (TMV)) #selling #my #car


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    tony78 05/29/08 11:43 am PST

    Edit Answer (for another -12 minute)

    My feelings on buying a car on the internet are this. The internet is a good place to start and and try and get a good price and once you find the car you want you could negotiate a deal on line, but at some point you have to physically go into the dealer and pickup the car and that is where the real buying experience starts.

    Now on line you may be able to read about the cars features, specs, performance and handling, but there is one thing you can’t do, at least not at the present moment is to see how the car fits. Now thats where you need to slide behind the wheel, pop open the trunk, lift the hood, and take it out for a test ride and roll on the throttle and see how that baby rides. The truth is most guys are touchy-feelie and we want to press buttons, work controls and move levers and once you sign the papers you have to drive off the lot.

    What it comes down to is this. you can window shop all day long,,but if the shoe won’t fit,,why would you wear it ?

    As for the dealer servicing a car that is not thiers,,dealers do not own cars,,all dealers do is provide an avenue for manufacturers to sell thier wares.