Toyota Parts at Andy s Auto Sport #wrecked #cars #for #sale


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TOYOTA PARTS MODELS

TOYOTA PARTS INFORMATION

Toyota parts are generally easy to find, but it depends on exactly which Toyota you have. Naturally, the newer your Toyota, the easier it will be to find parts in general. Some of the early-generation Toyota pick-up trucks, for example, can be troublesome to find parts for.

One thing about Toyota is that it is a very popular brand of automobile. For many popular vehicles, affordable replicas are made of factory parts. So this means Toyota parts are available not only directly from the dealership, but also from these OEM-grade replacement parts manufacturers and their distributors. Andy’s Auto Sport distributes these types of parts, so you’re at the right website!

Also, some Toyota automobiles are very popular when it comes to making custom aftermarket modifications. Many Toyota models have a strong following of modification parts. Perhaps the most popular of these are the Corolla, Supra, Tundra, and Celica. The Yaris is also become a popular Toyota to modify with custom parts.

One of Andy’s Auto Sport’s specialties is certainly Toyota parts, so whether you’re looking for OEM factory Toyota parts, or aftermarket parts to modify the appearance and horsepower of your Toyota, you’re covered at Andy’s!


Autovalet UK Ltd: The UK s leading Mobile Car Valeting And Car Cleaning Specialist #cars #online


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Where Quality and Service Matter

Autovalet UK Ltd is a leading UK car valeting company based in London with over 17 years experience. We offer a full range of professional car cleaning services, in London, Hertfordshire, Essex, Surrey, Buckinghamshire, Middlesex and surrounding areas, for corporate and private clients (UK coverage available on request).

Our aim, apart from the restoration of your vehicle to its original showroom condition, is to offer the personal touch. Complete customer care and satisfaction, is the motto of our fully experienced, and courteous staff.

Our state of the art fully equipped with the latest technology vans, offer you, the customer, minimum disruption. Only using the very best bio-degradable products we also aim to maintain nature s balance as much as possible.

We offer a stress free service at your appointed location as WE COME TO YOU at home or at work, while you get on with your normal day. Our objective is to keep your vehicle be it new or old in pristine condition. Please make it your objective not to depreciate the real value of your vehicle for the sake of a regular visit by us to maintain it for you.

Many testimonials from all our clients expressing their thanks and appreciation for quality Jobs coupled with recommendations to other personal friends, relatives or corporate colleagues make us proud of our company.

NO JOB IS TOO SMALL OR TOO BIG.

TRY US YOU WILL NOT BE DISAPPOINTED.


2012 s Fifteen Best Used Car Choices for Smart Buyers #trade #in #vehicle


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Fifteen Best Used Car Choices for Smart Buyers

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.

One person s best used car is another person s nightmare but this list of the 15 best used cars by segment manages to hit the mark in many ways.

This list was compiled by Edmunds.com. which I consistently rank as the best online source for automotive information. Its pricing on used cars favors the consumer and its research is always in-depth and thorough. I would rank it second only to Consumer Reports as a valuable resource for used car buyers.

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The Edmunds.com list of best used cars isn t ranked in order but I m going to take the liberty of doing that for you. I am customizing the list to make it a true ranking of the best used cars. However, because it is based on segment, there will be better used cars out there than some listed here.

Best Used Cars for 2012

Compact Sedan: 2005-2010 Hyundai Elantra – This would have to rank as the best overall basic transportation on the list. It s not going to win a lot of style awards but it is going to be dependable.

Midsize Sedan: 2005-2010 Nissan Altima – frankly I have always wondered how this car is not the best-selling car in America. Used Altimas are going to become great values thanks to the introduction of the new model.

Wagon: 2005-2010 Pontiac Vibe – Kudos to Edmunds.com for including a discontinued model. A used Pontiac is going to be just fine and the fact that is basically a Toyota Matrix make it an ever better value.

Coupe: 2005-2010 BMW 3 Series – Edmunds really should have made a category called premium coupe and include the 3 series there.

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This was the first generation, in my opinion, that the 3 series became a great car.

Compact SUV/Crossover: 2005-2010 Honda CR-V – There s nary a complaint one can make about the CR-V. It s a solid vehicle that might sell at a good price as this is being written in June 2012 because the compact market is cooling off as gas prices drop.

Large Sedan: 2006-2010 Hyundai Azera – Talk about a car that gets little respect and the Azera comes to mind. It s a premium sedan at a domestic price. It s a used car you will never regret buying, especially when making monthly payments.

Minivan/Van: 2005-2010 Honda Odyssey – Yada, yada, yada the Odyssey wins more accolades, but there s a reason: it s a much better minivan for everyday use than the Sienna, which dads may not like driving.

Luxury: 2005-2010 Infiniti G35/G37 – Owning a used Infiniti G37 may not mean lots of heads turning your way as you drive by for the average person but people in the know will respect your wisdom and good taste. One caveat, though, would be the convertible model. I drove a 2010 Infiniti G37 convertible that had a small leak during heavy rains.

Hybrid: 2005-2010 Toyota Prius – There are other hybrids out there, but nobody is doing it as well as Toyota for the last 10 years. About.com has a great video on buying a used hybrid that should be helpful.

Sport Compact: 2005-2010 Subaru Impreza WRX – This is really a great sports car dollar for dollar but, please, don t buy one for a teenage driver. It s a vehicle best left to mature drivers.

Convertible: 2005-2010 Mazda Miata – The Miata, also known as the Miata MX-5, is the perfect used car for a midlife crisis. It puts a smile on your face when you drive it and isn t going to get you in trouble like a used Ford Mustang or Chevrolet Camaro might.

Midsize SUV/Crossover: 2005-2010 Ford Explorer – No list is perfect and I would include this as Exhibit A. Hyundai, Kia and Toyota make better crossovers than the Explorer in this generation and I m going to say the same thing about the current generation, too.

Large SUV/Crossover: 2005-2010 Chevrolet Tahoe – Is bland better? Again, there is nothing wrong with the Tahoe, but I consider it uninspired. The Asians do this category better.

Compact Truck: 2005-2010 Toyota Tacoma – No arguments from me mostly because I don t consider myself much of an expert on pickups. By the way, About s truck expert Dale Wickell offers good advice on how to buy a used pickup .

Large Truck: 2005-2010 Ford F-150 – Again, no arguments from me. Plus, I don t want to anger the Chevy and Dodge pickup owners out there with strong opinions.

For those of you keeping track at home, here is how the list of the best used cars was compiled. A team of Edmunds.com editors assembled the list, which emphasizes the most important criteria to consider when researching and deciding on a used vehicle: reliability, safety, value and availability. Eligibility was limited to vehicles ranging from two to seven years old.


2010 Toyota cars: What s new for 2010 #v #cars


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Toyota: What’s new for 2010

By Aaron Gold. Cars Expert

Aaron Gold, About.com s Cars Expert, has been an automotive journalist for a decade and a half and has been writing for About.com since 2004. He contributes to several automotive publications and is a member of the North American Car and Truck of the Year jury.

Toyota is one of the best-selling brands in the United States. Here are all of the changes for the 2010 model year.

CONFIRMED FOR 2010:

4RUNNER: (photo ) The 4Runner is all-new for 2010. The fifth-generation 4Runner is taller, wider and longer than the vehicle it replaces, and it retains its body-on-frame construction for off-road ruggedness. In a return to its roots, the new 4Runner will offer a 4-cylinder engine (2.7 liters, 157 horsepower), though only on the basic SR5 4×2 model; most 4Runners will be powered by a 270 hp 4.0 liter V6.

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The V8 engine from last year s 4Runner has been dropped. Model offerings include SR5, Limited, and a new Trail model specially designed for off-road performance. The 4Runner Trail offers Crawl Control and Kinetic Dynamic Suspension System, both of which, until now, were exclusive to Toyota s top-of-the-line off-roader, the Land Cruiser .

AVALON: Aside from a new color ( Sandy Beach Metallic ), the Avalon is unchanged.

CAMRY: (photo ) The Camry has been restyled for 2010 with new head- and taillights, bumper, grille, and wheels.

The four-cylinder engine is a new 2.5 liter unit that produces 169 hp, 21 more than last year; SE models get 179 hp. The new engine can be had with either a 6-speed manual or 6-speed automatic transmission. The optional V6 is unchanged. New standard equipment includes electronic stability control and auto up/down windows on all four doors; new options include a USB input jack, Bluetooth phone connectivity, and keyless ignition.

CAMRY HYBRID: (photo ) Like the regular Camry, the Hybrid gets a new grille, bumper, and taillights and four auto up/down windows.

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The gauge cluster has been revised, as has the seat cloth.

FJ CRUISER: The good news is that the FJ s engine gets variable valve timing and other improvements, and now produces 20 more horsepower (259) while using a bit less fuel. The bad news: It now requires premium gas. Other news: Army Green replaces Voodoo Blue and the windshield washer tank is bigger. There s also a new Special Edition model, painted Sandstorm (beige?), including the roof, with a blacked-out hood. The Special Edition gets a host of comfort and convenience features as well as a Cycloe air cleaner, differential lock with A-Trac, Bilstein shock absorbers, all-weather floor mats, and TRD beadlock-style wheels with BFG all-terrain tires.

HIGHLANDER/HIGHLANDER HYBRID: A moonroof is now optional on the 4-cylinder base model, while a backup camera is optional on the V6 base model. Toyota and V6 badging have been removed from the tailgate.

LAND CRUISER: A tinted rear window, XM satellite radio, Bluetooth phone connectivity and a USB audio input jack are now standard, and the optional navigation system now includes XM NavTraffic. Rain-sensing wipers are now part of the Upgrade Package.

PRIUS: The Prius is all-new for 2010, with revised interior styling, a roomier interior, and — most importantly — a cleaner, more powerful, and more fuel-efficient powertrain. A new Eco Mode helps the driver to get better fuel economy, while Power Mode makes the Prius respond more crisply to the throttle. The Prius is now available in four trim levels, and new options include a solar-powered ventilating fan that runs when the car is parked and the ability to run the air conditioning off the traction battery, allowing the driver to cool of the car before getting in.

RAV4: New options include a backup camera for the base model, a JBL stereo system for the Sport, and a cargo cover for both Base and Sport models. The Sport Apperance Package is now available on 4×2 4-cylinder RAV4s.

SEQUOIA: The 4.7 liter V8 has been replaced by a new 4.6 liter engine that cranks out more power while using less fuel. In some parts of the country, 5.7 liter 4×4 models will get E85 flex fuel capability as standard. New standard equipment includes driver and passenger knee airbags, daytime running lights, running boards, a moonroof, roof rack, rear spoiler, power driver s seat, Bluetooth phone connectivity, and a towing package. Limited models add a rear-view-mirror backup camera, 20 wheels, and a power rear liftgate, and a navigation system is now available as an option. The Platinum model gets additional wood trim, a rear-seat entertainment system, and laser cruise control.

SIENNA: No changes. A redesigned Sienna is on the way for the 2011 model year.

TACOMA: No changes.

TUNDRA: The 4.7 liter V8 gives way to a new 4.6 liter unit which produces more power and gets better fuel economy. The taillights are new, and some models get a revised grille. New standard equipment includes knee airbags for the driver and front passenger and a power rear window for DoubleCab models; a rear-view-mirror backup camera, power folding towing mirrors, and two new stereos join the options list. A new base-model Work Truck includes vinyl seats, rubber floors, black exterior trim, and fewer comfort and convenience features. Meanwhile, the high end gets higher with a new Platinum Package, which comes with jazzier trim inside and out, heated and cooled leather seats, and special Platinum badging, including embroidered headrests.

VENZA: An iPod compatible USB port and Bluetooth phone connectivity are now standard.

YARIS: Electronic stability control now comes standard, as does a tachometer and a rear-window defogger. The 5-door version is now available with a manual transmission.

BEYOND 2010:

JOINT SUBARU/TOYOTA SPORTS CAR/FT-86: Toyota and Subaru are co-developing a rear-drive sports car, which is expected to debut in 2011 as a 2012 model. The car will reportedly be powered by a Subaru-sourced horizontally-opposed ( boxer ) engine. Toyota showed a concept version of the new car at the 2009 Tokyo Auto Show, dubbed the FT-86 concept (photo ).

SIENNA: Toyota s minivan will be redesigned for the 2011 model year.


Best Used Luxury Car 2013: The Car Connection s Picks #car #valuations #australia


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Best Used Luxury Car 2013: The Car Connection’s Picks

2011 Acura MDX

Luxury cars offer a little more—of what matters to nearly everyone but the most dedicated misers. Whether it’s the reputation of the brand and the image it carries; the cabin comforts and interfaces; the innovations behind the wheel; the more refined driving experience; or the extra assurance of advanced safety features; there’s added value built into luxury marques.

Factor in a better, more personalized dealership experience, concierge services, and top-tier certified pre-owned (CPO) programs, and it’s not just a matter of the vehicle itself; luxury brands can save you valuable time—time that you’d probably rather spend with your family and friends. And as late-model used cars, after they’ve gone through their two to three years of steepest depreciation, luxury models can be quite the deal.

What separates the best used luxury cars from the rest? In order to consider models for this list, we did of course rule out models from ‘mainstream’ brands. Then we also ruled out convertibles, roadsters, and any models for which we perceive their primary mission as that of a sports car—like the Porsche 911. They’re all covered by other ‘best’ lists here at The Car Connection.

Our editors review and revisit every model on the market, each model year, and update numerical scores in six different areas: Styling, Performance, Comfort and Quality, Safety, Features, and Fuel Economy. Although we try to assign those scores against competing models, we’ll admit that we’re a little more generous with luxury cars. Considering the supple leather upholstery, high-end, concert-hall-quality audio systems, and things like massage seats, it’s hard to be critical when they offer so much contentment. So we only looked for the crème de la crème here—those vehicles that managed an excellent Overall Score of 8.5 or higher. In short, each model on the Best Used Luxury Car 2013 list scores:

  • at least that 8.5 rating on The Car Connection’s full reviews from three years ago–in this case, the 2011 model year
  • at least four circles on J.D. Power’s predicted-dependability rankings, or at least average reliability on Consumer Reports
  • no reported score lower than four stars overall from the National Highway Traffic Safety Administration (NHTSA) or a Top Safety Pick award from the Insurance Institute for Highway Safety (IIHS).

What we’re left with, after applying these parameters, is a solid list of luxury vehicles—coupes, sedans, and utility vehicles. And we’ll freely admit that some of the best family-oriented luxury cars are actually crossovers, so we did indeed leave them on the list—even the Cadillac Escalade. which is a sort of diamond in the rough, and a used-vehicle gem we can’t ignore.

Unfortunately, there are a number of luxury models that we liked a lot in 2011 yet the lack of reliability or safety data led to their exclusion—the Aston Martin Rapide and the Bentley Continental Flying Spur. for instance.

Keeping in mind that these models span a very wide range of tastes and prices, here are the 2011-model-year used luxury cars that made the list—along with our Bottom Line take from the full reviews:


World s Cheapest New Car, Tata Nano, Gets Diesel Option #compare #car #insurance


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World’s Cheapest New Car, Tata Nano, Gets Diesel Option

2012 Tata Nano

Diesel may be taking a while to catch on in the U.S, but in India the diesel market has exploded in recent years.

It’s no surprise that automakers have been making the most of this, and the latest to do so is Tata, whose Nano–the world’s cheapest new car–is soon to get its own diesel option.

According to CarDekho (via Autoblog ), the car will make its official debut at the 2014 Indian Auto Expo and could hit Indian roads as soon as February.

For Tata, it can’t be too soon.

Sales of the Nano, despite its incredibly low pricing, have been disappointing. It’s thought that the bargain-basement nature of the car–necessitated by pricing that begins at just $2,400 for the cheapest model–is actually off-putting to aspirational Indian buyers, who prefer to spend a little more and not drive around in a car seen merely as a stepping-stone from a scooter.

While pricing of the diesel has not yet been announced, the real benefit for Indian buyers will be in fuel costs.

At current exchange rates, one gallon of gasoline costs as much as $4.72 in India. But diesel costs just $3.62 per gallon, making diesel cars significantly cheaper to fuel.

Throw in expected economy of up to 94 mpg on local test cycles–a standard gasoline Nano gets 59 mpg–and the difference becomes even greater.

However, the Nano’s diesel won’t be quite as sophisticated as the units we’re getting used to in the U.S.

For one, it has half the cylinders we’ve come to expect of typical diesels. Actually, that’s not strictly true–Volkswagen’s XL1 also features a twin-cylinder diesel. and the Nano shares its capacity too at 800cc. The Nano even has a tiny turbocharger to help it to a predicted 45 horsepower, seven more than the gasoline variant.

Performance will be leisurely, though the importance of high speeds on India’s roads–crowded, dangerous and frequently populated by everything from pedestrians to sacred animals–is questionable.

And we’re not so sure about its emissions, either. While the Nano will certainly do well with regards to reducing fuel use, we suspect there’s a limit to just how clean its little engine can be when powering such basic, inexpensive transport. High-tech emissions-reducing equipment costs a whole lot of money.

It’s instrumental of the push towards more fuel-efficient engines though, and illustrative of what can be achieved when really paring back weight and downsizing power units.

Not that downsizing is the only plan–Tata is also said to be planning Nano hatchback and sedan variants, powered by Fiat-sourced units with up to 100 horsepower.

Those may finally be the cars to appeal to more image-led Indian buyers–though the Nano diesel will undoubtedly remain the economy champion in the range.

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Elma s DeLacy Ford #second #hand #vehicles


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DeLacy Ford. Proudly Serving Drivers from West Seneca, Lancaster NY, East Aurora, Depew and Buffalo Invites You to Find Your Automotive Match

New and Used Ford Models

When was the last time you used the word ‘love’ to describe how you feel about your car? At DeLacy Ford. we hear our customers say it all the time, and for good reason. Serving drivers from the West Seneca, Lancaster NY, East Aurora, Depew and Buffalo. we offer a wide range of new and used offerings from Ford.

It’s easy to jump to the conclusion that shopping for a new 2015-2016 Ford Focus, Fusion, Escape, F-150, SuperDuty models can be strenuous, but it doesn’t have to be. At DeLacy Ford our friendly professionals are available to ensure that all your questions are answered, while giving you the opportunity to peruse the Ford at your liberty. When a vehicle’s caught your eye, simply catch our attention; we’re happy to schedule a test drive at your convenience.

Of course, a new car might not be in the cards for everyone at this very moment. That’s why DeLacy Ford also makes sure to carry a wide range of used cars to choose from as well. Thoroughly inspected for quality and integrity, you can be sure that each one meets our incredibly high standards for excellence. Why should you expect anything less?

So, you’ve found your favorite Ford: now what?

DeLacy Ford, Proudly Serving Lancaster NY, East Aurora, Depew and Buffalo Makes Car Financing Simple for Drivers in West Seneca, New York.

After helping you discover your next new or used Ford Focus, Fusion, Escape, F-150 or SuperDuty, DeLacy Ford doesn’t simply disappear. We know that car loan and lease options can quickly become confusing, especially when you’re not well-versed in the topic. That’s when our Ford lease experts jump into action; these financial gurus are available to answer any questions that you may have and help to guide you down the path to ownership!

The fun of something new doesn’t have to end when you drive your Ford Focus, Fusion, Escape, F-150 or SuperDuty off our dealership’s lot. DeLacy Ford has many ways to keep your car fresh and your driving experience exceptional.

We offer authentic Ford parts to enhance the performance, style, or convenience of your vehicle.

Furthermore, our dealership in Elma is dedicated to keeping your Ford model running just as well as it did on day one. Our handy onsite auto service and repair department is here for you, whether it’s routine upkeep or handling the unexpected.

If you’d like to learn more about everything our dealership has to offer, feel free to pay us a visit here at 3061 Transit Road Elma. New York. When you come to DeLacy Ford. quality and service come standard.

We Proudly Serve Customers From West Seneca, Lancaster NY, East Aurora, Depew and All Over the Buffalo Area.


How is a vehicle s Salvage Value determined? #car #flags


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How do car insurance companies determine a car s salvage value?

Whenever a vehicle is severely damaged an auto insurance company may need to declare it a total loss. This occurs whenever the car sustains so much damage that it would not be economical to repair it. For valuable vehicles, this usually means substantial or irreparable body damage. For older-model vehicles, however, this damage can be very minor. A vehicle over 10 years old may sustain minor cosmetic damage and be considered a total loss as the repairs will cost more than the car is worth.

Once a vehicles is classified as a total loss the insured has two choices: either they can hand the car over to the insurance company, or they can retain the salvage rights to the car. In the first case, the insured will receive a settlement amount based on the actual cash value of the vehicle less any applicable deductible. In the second case, the insured may still receive a portion of the settlement, but it will be reduced. Essentially, the insured will need to buy the car back from the insurer at the salvage price.

How Does the Insurer Determine the Salvage Price?

Calculating a vehicle s salvage price is not an exact science, and there are no set rates for how much a salvaged vehicle should be worth. In fact, the value of a salvaged car is negotiable, and the insured may be able to work with the insurance company to arrive at a suitable figure. An insurance company will usually follow these steps when determining the value of a salvaged car:

What was the vehicle s market value before the accident?

This figure is usually derived by averaging the trade-in value with the wholesale value.

What damage needs to be subtracted from the vehicle s value?

Before the accident, if the car had any wear and tear or preexisting damage, that damage will be subtracted from the car s overall worth. The resulting figure is the vehicle s final market value.

What percentage does the insurer use to calculate salvage?

Some insurers salvage a vehicle at 75% of its market value. Others may have a higher or lower figure.

You are entitled to the total value of your vehicle. The salvage figure will always be less than the actual cash value of the car, so you will receive the difference as a settlement check as long as it is higher than the amount of your deductible. For example, if your vehicle is worth $1,000 and the insurance company salvages at 75%, you will receive a check for $250 in addition to the salvaged auto. If your deductible is $500, you won t receive a check and you may need to pay the difference to the insurer.

If you choose not to retain the salvage rights on your vehicle, the insurance company will sell it at an auction in a salvage yard. The funds received will go toward reimbursing the cost of the claim. Many people shop at salvage auctions for used car parts or repair projects.

Concerns of Keeping a Salvage Car

If you do decide to keep your salvaged vehicle, there are a few things to be aware of. First, the vehicle will need to be re-titled with a salvage title. If you plan to use the vehicle for parts, you do not need to buy insurance for it. If you plan to drive the vehicle, however, you will need to carry liability insurance on the car.

Most auto insurance companies will not provide full coverage auto insurance on a salvaged vehicle. This is because the car has already been totaled by another insurer and thus it is effectively no longer worth anything. Some insurers will not provide any insurance coverage at all on a salvaged car, so be sure to clarify with the insurer whether this would cause any problems or not at the time you purchase the policy.

Bear in mind that it is your responsibility to inform any potential buyers that the car is a salvage. If you intend to sell the car at any point, the buyer has the right to know that the car is a salvaged vehicle so that he or she can make an informed decision about purchasing it.

Salvaging an old car is a good financial decision in many cases, but sometimes accepting the settlement offer and buying a new car is the better choice. If you are ever faced with this decision, be sure to weigh your options carefully so that you can make the best decision for your specific needs.


Here s How to Get the Best Deal on Car Insurance – Eventually #cheaper #car #insurance


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About

shutterstock You’ve probably had this experience: you’re frustrated because the driver in front of you is going too slow for your liking. You can see the driver’s gray hair and think that this person should not be driving any longer. Just the opposite is true: 60-something drivers gets the last laugh. Not only are they more likely to arrive safely at their destination, they are rewarded for it with lower auto insurance rates.

“Older drivers by and large are far safer in terms of the number of accidents they have and the number of claims they turn in than the typical driver,” said Marty Agather, senior vice president of the consumer resource site TrustedChoice.com. He says insurance companies collect incredible amounts of data to set prices. “The sweet spot in the auto marketplace is someone who is recently retired but still vital,” according to Agather. “They’re not driving to work every day, still with it, and their reaction time has not slowed down too much. You still have a very safe operating behavior.”

According to 21st Century Insurance, “senior citizens are some of the safest, most responsible and defensive drivers on the road .” As a result, many insurance companies offer special rates and discounts for these mature drivers. In general, rates for drivers who are 50 and 74 years old are 5 percent to 15 percent below those for people 30 to 50. And of course, drivers younger than 25 can pay more than double what the seniors pay. “For young males, the numbers are astronomical,” said Agather. “They are 200 times more likely to get into an accident.”

As Your Life Changes, So Does Your Premium

DMV.org says car insurance rates gradually decline from the time you turn 25 until you turn 70 — as long as you maintain a good driving record. By the time you’re in your 40s, you are likely to have a family, which encourages safer driving, and you are less likely to be at a bar at 2 a.m. which does not. But once you hit 70, rates start to go up again because you are more likely to have impaired vision, slower reactions and poorer cognitive functions.

For those in the 50-to-70 sweet spot, some discounts are applied automatically; some require you to inform your agent or insurance company of changes in your lifestyle; and others come from being pro-active. For example:

  • Low-mileage discount. If you’re retired, you have probably cut down on the miles you put on each day. Inform your agent and your insurer. They don’t know about changes in your life unless you tell them.
  • Defensive driving classes. AARP. AAA and others offer classes for drivers of all ages. They cost about $50, usually earning a discount of up to 5 percent a year, for three years. AARP says automatic discounts follow a course for drivers in Alabama, Alaska, Arkansas, California, Colorado, Connecticut, the District of Columbia, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Kentucky, Louisiana, Maine, Minnesota, Mississippi, Montana, Nevada, New Jersey, New Mexico, New York, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Utah, Virginia, Washington, West Virginia and Wyoming. Residents of other states should ask their insurance agent about discounts.
  • Policy changes. Older people with more assets may want to take the risk of going with a higher deductible — and they might also want to boost liability coverage. Agather said you need to make sure that your liability limits equate to the assets you have at risk. “Just because you have an insurance policy, that doesn’t limit how much you are liable for in damaging someone else,” he warned. “Your assets are at risk if you hurt a brain surgeon or hit a Ferrari.” To protect those assets, he recommends an umbrella policy that protects your assets if you are sued for more than the liability limit on your auto policy covers. “It also may make sense to drop comprehensive and collision coverage, which may be costing you $400 to $500 a year,” said Agather. “Don’t pay a lot of money to insure something you can afford to pay out of pocket,” especially if you’re driving an older car.

How to Sell Your Car What – s It Worth? #want #to #buy #a #car


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How to Sell Your Car What s It Worth?

Blue book is a term that car dealerships use to determine the value of a vehicle. When a used vehicle is traded in for a new car the salesperson or manager gets out the blue book to determine what the car is worth. When the dealer puts the trade-in on the lot, the price the dealer sells it for is also determined by the bluebook. The blue book also shows the private party value, which is the most important value when selling a car from person to person.

How to Find the Value for Selling Your Car

There are a few companies that determine car values that can be accessed on the Internet. One of the popular car value companies is Kelley Blue Book. Before determining the value of a vehicle there’s certain vehicle information that must be known before proceeding.

  • Year of the Vehicle
  • Make of the Vehicle (Ford, Chevy, Toyota etc.)
  • Vehicle Model (Taurus, Impala, Camry etc.)
  • Vehicle Trim (XL, SE, CE, etc.)
  • Current Mileage
  • Engine Size
  • Transmission Type (automatic or manual)

This is some of the basic information that’s needed. If there is any other optional equipment on the vehicle, this also needs to be inputted because it will add to the value of the vehicle. With Kelley Blue Book, there is a checklist where optional equipment can be clicked. The next step is to understand what the different values represent.

Used Car Trade-In Values

If a quick sale is needed, many car dealers will buy a used car from a private party. The dealer will use the trade-in value from the blue book. This is also the value that a dealer will use for a used car when it is traded in for a new car. Most dealers will start at this value when deciding on how much money is given to the customer. Once the book value is determined, the dealer will usually start deducting money from the trade-in value for any repairs that need to be made.

Used Car Private Party Value

If a used car is sold from one person to another person, the private party value is what’s used to determine how much the vehicle is worth. For a fast sale it’s a good idea to list the selling price at a value less than the private party value. Show the potential buyer the actual value as it’s listed in the blue book and let them know the selling price is less than what’s recommended. If leasing or buying a new car, selling the old car close to private party value could result in a larger down payment versus a trade-in.

Used Car Suggest Retail Value

This is the value that a new or used car dealer will use for the selling price of the vehicle to a retail customer. Even though this is the highest value that’s listed in a blue book, purchasing a used vehicle from a dealer can have some advantages versus buying from a private party.

Now that the value of the vehicle is determined, the next step is to find potential buyers. There’s the old fashion method of putting a for-sale sign in the window or using print ads. With today’s technology, one of the best methods is to sell your car on-line. With websites like Craig’s List, the car can be listed for free with good results.