Every profession has a lingo that most people within that industry understand. For instance, the health field has medical terminologies that seem out of this world for many who are not aware, while lawyers can take your breath away during an intense discussion about their courtroom cases. They understand each other better and it serves to keep outsiders where they should be – outside. Sometimes these terminologies are innocent slangs words that come naturally with the job over a long period of time and have no ill intentions. However, many times these words have negative connotations that are applied if the customer does not do exactly as the dealers expect. Amazingly, they could say these negative terms as they smile warmly at you.

Such is the case with car dealership in which you will hear some words for the first time and wonder what they mean. If you want to buy a car, it would save you a great deal of time and money to know most of these terminologies before you set out to buy a car. It could also mean that you will know the true feelings of car dealers as they discuss the sale of a car to you. Being able to understand the slang at a dealership will give you an upper hand during negotiations as you will know if you are being ripped off or are too shrewd for the dealer.

Nowadays, you can easily find the terminology used by car dealerships online with a single click. Some of them are not too nice for the subject at the end of it. If you hear them talk about you in these phrases or words, get out of there quickly and take your money with you. For example, if they refer to a customer as a ‘rat’ or a ‘roach’, it is time to take a walk because they mean that the customer has a very low credit rating that is typically under the 600 score. If the terminology ‘flake’ reaches your ear and you are sure it is referring to you, do not bother with the pleasantries. They are simply saying that you have no money for a down payment and thus you are wasting their time.  However, if they call you a ‘gold ball’ they are saying that you have the money to make a down payment and they would love you to stay put to get you to make that payment.

Be careful when they call you a ‘grape’ or a ‘lay down’ as they could be referring to a quality that you will most definitely not like. It means that, like a grape fruit, which is soft, you go along with everything they propose, good, or bad. This is the time for you to show them how tough you are and tell them, in no uncertain terms, to what you think about them.

If you decide to shop for a car and take along someone with you to do the negotiations, you will most likely hear the word ‘quarterback’ or ‘maven’. This terminology refers to the person who negotiates a deal while he is not the actual buyer.

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As with all professions, there are certain phrases or key words used within that particular industry. Sometimes you can understand, most of the time you cannot figure out what they are trying to say. For example, ‘quarterbacks’ are usually hated by the car salespeople because they make the deal much harder to seal while asking for lower prices. What they love most is a ‘real buyer’ who will pay whatever price the salespersons ask without much fuss. Although a ‘real buyer’ might sound good, it might have the same negative meaning as a ‘grape’ who agrees with everything that he is told without question.

Another kind of buyer that the car salespersons hate is the ‘grinder’, who always wants more but has little money to back up his demands. The salespersons are usually the one who want to glean as much money as they can from the buyer and when the buyer beats them at their own game; it usually gets them worked up. Therefore, if they call you a ‘grinder’, it is normally a good sign that you are good at negotiating.

At the dealership, never agree to a ‘spot deliver’ because you could be accepting to take the car prematurely. If a bank loan is financing the car, you should make sure everything has gone through and is in order before you commit your signature on the deal. It might backfire and leave you with a huge and unplanned payment to make.

Some of these terminologies are not only meant for the buyer but also to the dealership personnel as well. For example, a fresh salesperson that has just joined the work force is referred to as a ‘green pea’. Rookies are sometimes the best to deal with, because of their lack of experience that makes them less ruthless than the others. You might want to get your deal done with a ‘green pea’ but you should be careful about the paper work. Many of the green peas have been known to cause a ‘kink’. This refers to a problem done with the paper work. To avoid future problems with legal issues and the authorities, the paperwork should reflect the correct details of the deal and not leave room for exploitation.

There are terminologies for different dealerships as well. If you are going to buy a car from a dealership with an intention to negotiate the deal, do not step into a ‘no switcher sticker’. This is a dealership which sells its cars at the exact price put on the sticker with no negotiation about it. If you do not like the price, do not ask about it. That is their business policy.

There are many other terminologies but few as important as a ‘low ball offer’. This is an offer you will most likely hear on the phone. In most cases, the salesperson at the end of the line is simply trying to get you to come to the dealership with a very low offer that will catch your interest.

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Before going to a car dealership to purchase a car it is important to do a little research on the type and make of car you wish to drive for the foreseeable future. Ask colleagues at work, family and friends what cars they have driven and how the cars performed in difficult weather or road conditions. Ask them also what the costs are of running the car, since you will have to find the money for financing the car purchase, its maintenance and its running.

If you have never owned a car before, be sure you know how much road tax and insurance will be, when you decide on the amount of money you can afford for your car purchase. Once you have found out how much you can afford for the purchase, you should go online to look at several dealership’s offers for the type or model of car you wish to buy. That way you will get a feel for the prices charged and the colours and trims available.

Unless you can pay for the car outright, you will need to arrange for finance. It is good to take out a credit report before they can easily be ordered online and don’t take long to do. A credit report will alert you to any problems in your credit history and you might be wise to sort out any problems first, before applying for a loan, as the loan application will go on your credit report also – and if it fails and you end up without the car loan, the application attempt will still remain on your credit report for others to see. Sometimes this can backfire, for example if you apply for a job with a company dealing in financial matters, such as call centers dealing with debt collection, banks or credit unions.

If there are no problems with your credit history, you should ask your bank or credit union what their rates for your car loan are. The interest rate charged by a bank or credit union can add quite a lot of money to the overall amount you need to pay back, so shop around for the lowest rate. Car dealerships provide finance, too, but you are likely to get a less competitive rate.

Once you know how much you can borrow and that there is not going to be a problem getting finance for your purchase, you can go to the dealership of your choice and look around. Ask to test drive a car you like. Don’t buy straight away, go home and think about it. Sometimes dealers will so browbeat their customers will their sales talk that they can persuade someone to buy a car that they cannot really afford.

You should take your driver’s licence with you and any other form of identification such as a passport or ID card. You should also have at least two items on you that will confirm your current address, such as utility bills or bank statements.

Also see: Deciding what Car you can Afford

Deciding what Car you can Afford

Car dealerships often let customers pay a small deposit upfront and then arrange for finance for the rest, but be careful, if your credit rating is not up to par you will get a call a few days later telling you that your monthly loan repayments will have to go up. This is because the lender feels you pose a greater risk due to your less than satisfactory or adverse credit rating. Unless you can find the additional monthly amount, you will have to return the car, if you find that the repayments are simply too much. Remember, you have to pay for the road tax, insurance and maintenance of the car and any repairs due to wear and tear.

Negotiate on the price, don’t accept the dealers first offer – dealerships get vast volume discounts from manufacturers, usually as much as 20% per car on the wholesale price. Once you know this, you can calculate how much the dealer can reduce the price by. Dealers will try to sell you accessories and you will have to find the money for them, if you get carried away. Some manufacturers offer accessories as part of their special offers to sell a particular model of car and it is worth noting that these special offers are really good value for money. You might be able to get all the accessories you wanted with a particular model, while the same type of car but with a different model will not offer these.

During the test drive you should ask as many questions as possible about any technical aspect that you are not familiar with. You should preferably take a more experienced driver with you, if you are new to buying a car. Even though the car is new, you might not think of the right questions to ask. Once you have signed the car deal, it is quite difficult to back out again – and heart wrenching, too, since you had set your heart on that car.

The most important thing prior to your purchase is to do research on what car is going to be right for you. You might have to test drive several cars of different makes, before deciding, but don’t be too shy to ask the dealer for this. They earn a large commission from your sale, so make them work for the money, ask questions and don’t be ashamed when you don’t know a thing about the engine or internal workings of a car.

Cars are an investment and you need to make sure it is the right investment for you. If the car is for work purposes, remember that you get a certain amount of free mileage allowance for journeys related to your job. If your new car is for the family, perhaps buying a cabriolet is not the right thing to do. Your new car should fulfill many different purposes, but buy with the main purpose in mind.

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Apart from deciding which make or model you should buy, the most important thing to think about before buying a new car is the car finance you will need. If you have the money to buy the car outright, you’re in the pink, but if you need finance you will be far more restricted to what you can buy, since the finance company will dictate what they will be prepare to lend.

Be careful not to over extend yourself financially in the current economic climate. The worst may yet to come – unemployment rates may rise or you may lose your job. Car finance companies are particularly vigorous in pursuing debt and you may find that three of four agents will call you all day long to harass you for your monthly payment. Insurance policies promising protection in case of redundancy or long term illness are usually not worth the paper they are written on, since they only kick in after three or six months of unemployment or longer illness. By that time the car finance company will have removed your car or will have driven you to distraction with their constant phone calls chasing any debts you might have run up.

You could go to a dealership to get a new car or try buying a new vehicle through fleet sales. Buying new car accessories online is already a popular way of saving money, so why not try to purchase a car online? There is a vast choice and online car auctions often have nearly new cars for sale, which may save you a great deal of money.

Although fleet sales are aimed at professional buyers purchasing in bulk, some fleet departments are happy to sell to private individuals. Your purchase will be wholesale, cutting out the middleman – otherwise known as car dealership – who drives up the price with their mark-up. Unlike a car dealership, the fleet department will not spend a great deal of your time trying to persuade you to buy a vehicle you cannot really afford. Their aim is to shift cars quickly and cheaply. You will need to be clear about the type of car you want to buy before contacting a fleet sales department.

Be prepared to negotiate on price. When buying new car parts or tires people are typically accomplished at haggling over price, but when it comes to negotiating with a car dealership professional many people are intimidated, feeling out of their depth. Car dealership sales people are adept at smug and smooth sales talk but soon cave in when faced with a customer who knows how car dealerships actually make their money.

Fleet sales departments and dealerships make their money on volume discounts. The dealership may have to purchase a car for the wholesale price of $25,000, but they will be buying dozens of the same model and once all of them are sold, the dealership will get a rebate of several thousand dollars on each vehicle sold at the end of a specified period, usually a full year or per quarter in the UK.

Also see: Tips on Buying a Car

Tips on Buying a Car

When it comes to purchasing a car at your local dealership, there are a few things you should be aware of to assist you in receiving that great deal. For starters, do your research on the type of car you want.  Once you know that the actual price of a car is considerably lower than the stated price, you can enter into vigorous haggling with the dealer.

Before signing on the dotted line of your contract, you must test the car type you wish to purchase. Instead of buying a model you have never tried before through a fleet sales department, simply go to a regular car dealership and ask to test drive the model you have decided upon. Immediately afterwards make notes, so you don’t forget to ask about theses points when it comes to actually buying. Ask around for advice, does anyone you know drive this type of car and can tell you how it will handle in rain, sleet, or snow?

You will be in a better situation to negotiate price with the dealer, if you sort out your finance prior to looking for a car. Speak to your bank or credit union and see how their rates compare to the rates offered by the car dealership’s finance advisor.

Be careful of extra long loans of more than 36 months. Your new car depreciates in value really fast. If you try to sell your car before the long loan is paid off, you might not even get enough for it to pay off the loan. Loans of 60 month were offered to people who could not afford to buy the car in the first place.

When shopping around for finance, remember that the interest rate charged is very important, as it can add thousands to your loan. You may need to have a particular credit score or may have to be a house owner before qualifying for a particular rate with your bank, but if you do fulfil their requirements your car loan is likely to be far cheaper than the deal offered by the car dealership.

The finance arranged by your car dealership should instantly tell the dealer, if you qualify for the rate they offered you and usually they will ask you to sign the paperwork and will allow you to drive away in your new car.

However, quite often they will later do a more in-depth credit scoring on their new customer and will then contact the buyer a few days later with the news that the monthly loan repayments will be larger, because the credit rating was less satisfactory than the dealer’s finance company would like it to be. Taking out a car loan with your bank will be handled in a far more efficient – and open – way than this. The credit report taken from a bank’s customer is instant and fairly comprehensive. There will be no call back after several days have passed – the loan will remain as discussed and signed for.

If you are worried about your credit scoring, go online and order a credit report on yourself to be prepared.

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Accidents are an inevitable part of any motoring experience. It is almost impossible to drive forever without encountering an accident. Somehow, somewhere, sometime, a driver however experienced, is bound to cause an accident or be involved in one. Although it is unfair to say all accidents are caused by the driver, statistics point towards this conclusion by telling us that over 90% of all accidents happen out of human error. The good news is it may be the fault of the other driver, not you.

Still, accidents have a profound effect on the motor vehicle involved. The extent to which an accident affects your car depends on the speed of both vehicles at the time of the accident, the angle of impact and the reactions of the driver moments before the accident. Therefore a vehicle may be classified as a total write-off or it can undergo repair works, be they major or minor.

Write-off

A vehicle is said to be totally written off if after the accident, it can not be repaired to revert back to its former state. It also means that the cost of repairing the vehicle exceeds the cost of acquiring a new vehicle of the same type. But in most write-off cases, the insurance assessor reports that the available mass of metal is only good for scrap metal. The good news with this state of affairs is that most times the total loss is to the insurance firm as they are obliged to honor the insurance agreement by replacing your vehicle. Therefore a car accident can have the effect of totally writing off your vehicle.

Another effect of an accident on your car is the weakening of the vehicle’s body structure. This happens when the chassis is bent or warped during the accident. The chassis is made of very strong metal and is very difficult to deform. On top of the chassis sits the firmly secured body of the vehicle. It is the work of the chassis to provide the vehicle with stability while being driven on the road. Your vehicle’s chassis can be bent if the car rolls over several times while hitting on hard surfaces from various or unconventional angles. The net effect of an accident, in such a case, is that the body structure becomes weak. You may have seen a vehicle, especially trucks, kind of going sideways as it drives. That is a result of a warped chassis.

Chassis Alignment

There are accident repair firms that specialize in chassis re-alignment, but they are not many.  And they also charge a fortune for the work. However, the really good ones can return your vehicle to a perfect state.

A major accident can cause havoc on a car. Even though an accident is inevitable, protect yourself and your car by doing your best to avoid it at all cost. Also see: The Dangers of your Car After the Accident

The Dangers of your Car After the Accident

A major accident can leave your vehicle with requirements for massive repair works. Various parts and components may need to be replaced, which are costly or difficult to find in the motor spares shops. It may eventually stay in the garage for several days or weeks while awaiting the repairs to be done. Some mechanics are unscrupulous people and will tend to leave your vehicle for longer in order to bill you more, so it is good to be aware of such schemes too. Be on the look out for such con-games especially if the mechanic insists being paid based on the number of days or man-hours it takes to repair the car. A good mechanic simply charges by the job.

While the car is undergoing repair, you will experience a loss of mobility as you have to make alternative arrangements for your normal movements. If the vehicle was for business purposes, then there is loss of revenue. But some motor vehicle repair shops may give you a replacement option to help you keep going while your car is being repaired. If the repair garage does not provide this option then you may have to rent on.

Cannibalized Parts

There are cases of unscrupulous mechanics cannibalizing parts from your motor vehicle and replacing them with old ones, while the car is at their yard. Some go ahead and ask you to purchase parts which they know very well are not faulty. They do not replace them but keep the newly bought part for themselves. Such mechanics may intentionally inflate your bill to benefit themselves.

Scrapped Paint Work

Accidents can also result in scratches on the paint works on the outside. This happens when trying to squeeze into or out of tight parking spots. It may also happen when one is trying to overtake and does not do so cautiously to ensure there is enough space between his or her vehicle and the one being overtaken. Beware also of insurance scammers who have mastered this act so as to effect insurance payments. As a result of this, you will have to take your vehicle to a garage for the paintwork to be re-done. Now, sometimes, the exact paint color of your car is not available, forcing you to go for the closest matching color. At other times, the paint work can not be done on a single section of the vehicle forcing you to re-paint the whole car.

When the vehicle is involved in minor accidents it may have bumps or dents on some body parts. Some parts are better of replaced completely, especially the front and rear bumpers. But others, the metallic ones can be panel beaten back into shape. Depending on the proficiency of the garage that undertakes to perform the job, they may restore this section perfectly, leaving no trace of the accident. A keen observer, however, will still notice the difference.

Car accidents also have the effect of increasing the insurance rates payable on your car. This happens when the accidents are frequent which classifies you as a risky driver. Causing an accident while driving under the influence of drugs or alcohol also adds weight to an insurance company’s bid to increase your premium rates.

Even though they are sometimes inevitable, at the end of the day, it is cheaper in the long run to avoid accidents as much as possible.

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Most young people have different dreams in life. Some dream of big titles and others thing of all possible things they can gain ownership. Majority of young people dream that one day, they will be in a position to own a car. In the early days, buying a car was considered a prestigious thing. It was a common thing to see young middle aged people brag of their new cars of different makes, be it Mercedes Benz, Volkswagen among other options.

The type or model of a car depended on one’s preference and a taste, or may be on someone’s ability to pay for a particular make. Some models are exorbitant in terms of cost than others. Others have more driving power and fuel consumption than others.

The reality today is different. Buying a car is no longer just a factor of prestige; a car is an essential asset for a family or office use. Buying a new car however, is not as easy as one would imagine. There is a lot involved when someone is hoping to get a new car. The money involved can be a lot and difficult to raise. There are other factors that are determinants of whether you will successfully get the car you want or not. Some of these factors among them include the issue of fuel consumption, the power of the car and the newness of the car.

A new car model in the market will obviously cost more than an old one. The cost of a car is normally a hindrance to many whose income is slim; leave a lone those with a lot of expenditures to handle.

When you want to buy a new car, it could be true that your interest is based on the fact that you want a convenient way to travel, or that you would like to be ranked among you peers as one who owns a car. Whether that is the case or not, getting a car would require that you are equip with particular understanding. Sometimes, your salary a loan or your savings may not be enough to give you a good car. In such a case, you will need a car loan to be in a position to acquire for yourself a good vehicle. There are several financial institutions that are ready to give a car loan to anyone who has proved potential to purchase a car. This is because the car itself will act as the loan security. It is a good idea to understand clearly how car loans work and even the right places to get them. The following are tips for getting finance for a new car that will guide you if you want to purchase a car for your own use or for your office:

The first thing in the list is to know your personal credit score. Understanding your score on credit will avail several things to you which are very helpful in decision making. It will enable you to ask questions like, “Is it reasonable to get into a credit loan?” and “Can you be able to pay for this credit, if any?” If your creditworthiness is poor, very few financial institutions will be willing to give you a loan. Most importantly, you will find it hard to honor insurance companies’ regulations on premium payments. Insurance premiums are a must for all car operators. It is not possible to avoid them if you have a car without going against the set traffic rules.  Also see: Preparing Yourself for an Auto Finance Loan

Preparing Yourself for an Auto Finance Loan

If you are looking to make a car purchase, do yourself a favor and start getting your finances in order today to ensure you will be eligible for a car loan later on. Start by setting up a budget and a good prior plan. Setting up a budget can help you understand the best way to approaching the idea of getting finance for a new car. When you want to buy a car, it is a good thing to seat down and fix a budget that you ca not go beyond, although you may as well get a cheaper car than what is in your budget.

If you don’t have a budget, financing becomes a difficult thing since you do not have a figure to work with. When you have a plan for a new car financing, you are able to go far. A plan that is developed very early in advance is important since you can start saving from your small income to be able to buy a car later on, even for two years. This will be hard if you never have a plan. There are so many online courses that teach people on how to develop a financial plan for any property ownership. You can use them as a way to learn how to develop your own plan.

In the internet, there are a number of guidelines on how to get a new car loan, and companies that give these loans. Looking at these companies’ sites is good in guiding a person on not only the requirements on loans borrowing, but it is possible to get tips from these same sites on how to get a new car loan itself. If you take a keen interest in how they go about it, you may get good and valuable tips to use to get a loan for your car buying venture. There are online auto loans that anyone who intends to buy a new car should check for more information.

When considering a new car loan, it is orderly to avoid using a car which you owe money on. This can really lead to other problems. Dealers in this case can lower the amount of loan one gets. This way you may not meet your new car financing plan target.

Documentation is a very important factor when thinking of a new car financing. It appreciated to have all the necessary documentation for the loans. Without the required documents, it is possible to miss a loan that you would otherwise qualify for were it not for the lack of the apparently essential documentations.

Being a registered member of a credit union can be an advantage towards getting a new car loans or financing. Keep a good credit history by making all your debt payments on time and you will develop an excellent track record. This will make it much easier to be approved for an auto finance loan.

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