13 articles Articles posted in Driving

Cars Are Expensive – How Do You Pay For Them?

Paying for a new car, whether it’s second hand or not, can get quite pricey. Even when you have a budget that you’re working well within the parameters of, you can question if forking out this much money is really worth it! After all, the car in front of you won’t last forever, and who knows if you’ll ever default on the payments?

And with all that in mind, it’s time to think about the ways to pay for a car. They’re expensive, for a variety of reasons, but there are three main financial categories you can choose from in the car world. Let’s go through them below.

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With Your Own Cash

Using your own cash is often the most pricey and financially risky way to go – you never know when you’re going to need your savings, after all, and now you’ve just used them all up. However, it’s also one of the safest ways to ensure you’ve got a car for as long as you need it – there’s no payments to default on, and you’ll never be out of your transportation thanks to the lease being revoked.

As long as you’ve got the savings to do so, you can pay by cash. You could also use your cash to put down an even bigger deposit than is actually required, which will stop you from having to pay too much in financing in the future.

Using a Scheme

There are plenty of car financing schemes out there – you just need to look for them! It all depends on fitting into certain brackets, such as being the right age, or being from the right financial background, and then applying to the right places.

For example, you could make use of the Motability scheme. This allows people who live with disabilities to retain their independence, and have some much needed transport in their lives. And these schemes are available everywhere, and for all car models, such as VW Motability. Next time you go into a dealership, be sure to ask for a specialist to guide you around the application process and what’s currently on offer.

On Finance

And finally, you can always get a car on finance, of which there are many different options to choose from. Depending on the money you have to work with, you’re not going to find a one size fits all financing solution here.

From hire purchase to conditional sales (which is the more traditional form of purchasing a car on finance) to PCP (personal contract purchase), you have quite a few variable rates to choose from here. However, be sure to do some more research into each one of these options before you sign one, as they all have their own benefits and drawbacks.

Paying for a car can be done in a variety of ways, and working out which is best for you is important to do beforehand. So, do your research, and make sure you’re getting the right deal here.

Simple Steps to Keep Your Car & Tyres Roadworthy During Lockdown

Taking car of your car and tyresPhoto by Andrea Piacquadio from Pexels

After impatiently waiting for lock down to get over , the UK government has prolonged the lockdown again. We know it’s a hard time to wait and is making many of us lose our patience. This is not a punishment but the government only wants our lives to be safe and that we do not get attacked by the virus.

Living in Yorkshire you might have realised that it is not doable sitting home for months. Many of us need to get out of our houses to do essential grocery or even getting medicines. To go out for such chores during this time is very risky but we can still do it with less risk by taking all precautionary and safety measures like wearing proper masks and keeping our distance.

We just not only have to make sure that we are safe but also the cars we sit in to reach our destinations are also safe and secure during this time.

No one wants to go through the hassle of car breakdown if he/she is on the street to get grocery or important medicine right now. There  are few things listed below to keep your car fit to drive in this lockdown.

Take proper care of battery

Pandemic has made all of us use our vehicles as little as possible. This eventually causes few components that give power to the car , getting corrosive or losing their power. One such component installed in the car is its battery.

At times when you are trying to start your car it shows glitches while starting. This can be due to your battery getting flat. If you are less frequently using your vehicle there is a high probability that proper electric current is not reaching the battery hence causing it to lose its power overall. To overcome such a situation you need to give your car a start twice every week for as less as 10 minutes. In this way your car battery will be getting enough charging to avoid it getting flat.

Take tyre pressures levels into account

Letting your vehicle stand for a longer period of time in the garage can cause the balanced amount of air pressure in tyres to go loose and resultantly showing signs of tyre puncture. To avoid such a situation at this point in time , you should regularly check the pressure in your tyres with proper measuring gauges.  In case you feel it has under inflated, you can use tyre pressure gauges to insert ample air pressure in them to make them roadworthy or if you think that your tyres have completely deteriorated you can replace it with quality tyre by contacting tyre garages near your location. If you are looking for a tyre replacement you can buy tyres at Ossett Tyre House website & avail branch fitting or mobile fitting on friendly prices. You can call them here too  (01924271081)

Cleaning your car inside out

At this time many of you have nothing to do and want to kill this time by doing something productive, well we have a solution for that too! You can use your free time in making sure that your vehicle is clean from any unnecessary dirt or dust particles by washing it using clean water and antibacterial detergents. This will not only make your vehicle look visually clean and spotless but also will keep it safe from entering of unwanted viruses.

We hope that you utilise your time in making sure you follow the above precautionary steps to keep your vehicle safe. The next time you go out to get groceries you won’t be facing any car breakdowns after following the above steps.

The Benefits of Car Leasing

The Benefits of Car LeasingWhen it comes to being a motorist, there are a lot of expenses to consider. Aside from the initial purchase price of a car, there’s the tax, insurance, MOT costs, maintenance, fuel…it all adds up. There are, however, cheaper ways of running a car, such a leasing, so we’ve teamed up with Genus Leasing to talk to you about all of the benefits of leasing a car instead of buying outright. Here are a few of them:

You’ll Get More for Your Money

When you lease a car, you usually find you’re driving a better vehicle than you would if you had bought one. This is because, with a car lease you only pay the car’s depreciation for the lease period, not the value of the car (because you don’t own it). As a result, your monthly payments are usually lower compared with other forms of finance, so you can lease a better make, trim or option.

You’ll Always Have a Newer Model

After the initial lease period ends, you will be able to exchange the car for a brand new vehicle. This means that you will be able to reap the advantages of having a new car on a regular basis, allowing you to get the maximum benefits of fuel economy, performance and safety. It also means that you will be able to avoid massive depreciation costs, as you do not own a vehicle that is likely to be rapidly losing value.

You’ll Reduce Your Monthly Outgoings

Apart from fuel and insurance, when you lease a car you know exactly what motoring is going to cost you because your expenses are rolled into one – monthly payments, Road Tax and breakdown cover. And if you include a maintenance package, your ability to budget becomes even stronger because you’ll know what’s going out of your account all in one go.

Cheaper Maintenence

Leasing provides much lower maintenance costs than other forms of buying. This is because the person leasing the car does not retain ownership, so general maintenance costs are covered by the manufacturer’s warranty period. If the car being leased requires servicing or repair, the costs will be covered; this usually includes tyre and exhaust replacement.

No MOTs to Remember

Generally speaking, lease car are less than a year or two old, and cars don’t need to be MOT’d until they’re three years old. This means that it’s unlikely that you’ll ever have to worry about MOTs with a lease car because you’ll have upgraded to a newer model before it’s even due.

Bonus Tip

If you really don’t use a car that much but still need one to get around occasionally, why not think about using All Transportation Network to book reservations for chauffeured transportation? You’ll be travelling in serious style and saving yourself a whole lot of hassle.

What to do After a Car Accident if You Have Been Hurt

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No one likes to contemplate car accidents regardless of their possibility to occur. However, what happens if the unthinkable occurs? What do you do at the moment when you feel confused, sick, terrified, and even suffering injuries? While car accident situations vary, there are several factors you need to have at your fingertips and implement whenever you experience an accident and get hurt. These include: 

  • Safety first: Check on all drivers and passengers involved in the crash

Your safety and health, as well as those of others involved in the accident, is the most critical thing to have in mind immediately after a crash. Therefore, if you are in a ‘good’ or ‘fair’ physical state, check on the passengers in your vehicle as well as the occupant of other vehicles for any signs of injury. 

  • Call the police

The law enforcers are your allies, hence should be the first people you call for help if you are involved in an accident. Even if the cars involved are not severely damaged, do not be talked out of calling the police by anyone. Remember, a police report is crucial when determining the party at fault in the subsequent lawsuit and making claims. 

  • Seek immediate medical attention

Car accident scenes are not the right place to be brave and make assumptions on your health and safety. Therefore, when emergency responders arrive at the scene, tell them every symptom you feel, including the ordinary headache. Never refuse or delay medical treatment as it can significantly negatively influence you in the future. Additionally, neglecting medical treatment could compromise the process of your injury claim from insurance companies. 

  • Take pictures and capture as many details of the accident as possible

Road traffic accident requires substantial evidence of what occurred to prove a case before a Court of Law. Photos, video evidence, and everything else useful at telling how the accident occurs should be taken as soon and as much as possible to prove more valuable. You can never have enough of such details as the more you have them, the more they will help you further your case.

  • Obtain witness contact information 

Sometimes, you could be lucky enough to have witnesses onsite. If they happen to be cooperative enough, ask them to detail in writing what they say and if possible, do a few video records with you regarding the same. Furthermore, request their details such as names, contact numbers, and addresses. 

  • Talk to an attorney as soon as possible

No matter what the driver(s) your were involved in an accident and the insurance company say, they are not your friends. They might sound sympathetic but will prove difficult either while at the courtroom or during making claims. Hiring a reputable attorney saves you the pain of having to settle for the least value of your claim. 

  • Be careful of the statement you give and what you say 

While waiting for the police and emergency responders to arrive, hold your cool and avoid making statements that may work against you over time. Do not admit to any fault at the scene or be convinced to do so. Statements such as ‘I am sorry’, ‘I didn’t see you’, among others with similar suggestions can compromise your case. 

The Car Expenses That New Drivers Need To Expect

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Getting your driving license is an exhilarating feeling. You finally have the freedom to own a car and head out on the road. The sense of independence is worth the cost of owning and maintaining a car. However, you shouldn’t underestimate just how big that cost can be. The initial price of the vehicle you purchase is just the first expenditure of many. So, if you want to ensure that you’re prepared to own your very first car, these are the expenses that new drivers need to expect.

The initial purchase.

As mentioned in the introduction, the initial price of the vehicle you choose to buy is only the first cost you’re going to face. So, you need to consider the initial purchase of your chosen vehicle carefully. It’s easy to be enticed by a cheap deal, especially if it’s a new car or a model that you’ve been eyeing up for a long time. However, you need to think about the operational costs of the vehicle. How economical is the car? How many miles can it cover to the gallon? You should also do some research on a specific model of car before buying it. See how reliable it is. If repairs are going to be frequent and expensive, then it might not be a cost-effective purchase.

If you want to be fiscally responsible, you should also focus on the things that are included in the purchase. Some dealerships throw in added features with the purchase, and some don’t. You need to make sure you don’t buy a vehicle and later discover that you’re going to have to pay much more money for the features that should come as standard in modern cars. For instance, safety features and navigational features should be included in the initial purchase. Do your research before buying a car, and ask the dealer or the independent seller the right questions. It sounds obvious, but you need to know what you’re buying. A car purchase can be a very complex transaction. You want to ensure that your money is going as far as possible. You need to expect that it’s going to be a costly investment, of course, but you could save yourself a lot of money by planning ahead to ensure that your vehicle will be economical in the long run.

Coverage.

This is one of the most important expenses to get right if you want to protect yourself, your car, and your money. Unexpected things can happen when it comes to cars. They can break down without warning, or you can find yourself involved in an incident without warning. You have to be prepared for this. When making your initial car purchase, you should weigh up your insurance options before signing the contract. Use price comparison websites to ensure you’re getting the best coverage for the best price.

Of course, in the event of a road accident, you might need more than insurance to protect yourself and your assets. You might need assistance from a car accident lawyer. Whether you’re to blame for an incident on the road or not, it’s wise to seek legal protection so that you can ensure your assets are protected. Road incidents are very common, even if it’s just a matter of a minor bump or scratch. However, the expense faced as the result of such an event can be very high. So, you need to be prepared for that and get the necessary coverage to protect yourself. Even if you weren’t significantly injured in an incident, you’d probably need financial support to cover medical costs as well as repair costs for your car. That’s why you need to seek the compensation you deserve.

Servicing.

Another expense that drivers need to expect is a regular servicing cost. Or, at least, if you want to keep your vehicle operating safely and effectively, then you should expect this cost. Whilst modern cars can run reliably for longer than older cars, it’s still important to get your car serviced on an annual basis. You might only opt for a full service from time to time, but an interim service (which is less extensive) can still be costly. You can’t avoid taking your car to a specialist for servicing on a regular basis, but you can reduce the expense by looking after your vehicle. The better you get at self-maintenance, the fewer repairs and part replacements it’ll need over the years. That’s the best way to save yourself money on your car.

Top Considerations To Make When Searching For Your Next Car

When looking to buy a car, most people can find themselves standing on shaky ground. The purchase of a vehicle can, of course, come with enormous stresses, after all, it is one of the most significant investments you will ever make.

We are going to look today at some of the things you should be considering when searching for your new car.

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Affordability

When it comes to searching for your new car, making sure it’s affordable is possible one of the most important things you can do.

A new car can be one of the next most significant purchases after buying a house, so doing some research on its affordability is more than sensible.

The first thing you should look at is the cost of the car. Companies like Trade Price Cars are great when it comes to looking at finance deals. You should also be taking the other expenses of the vehicle on top of finance into consideration.

Doing some research into the economic factors of the vehicle is just as important. Knowing how much the car will cost to run weekly and the average repair costs are vital. 

Another consideration should also be the cost of tax and insurance. Getting some quotes and comparisons before you make a commitment will be essential in your car buying journey.

Reputation

Another important step when buying a vehicle is paying attention to the car you are going to buy. Most people have a general idea of the car they want, and sometimes this can be the biggest mistake. 

Going car shopping only wanting one car can often spell disaster. All is great should the vehicle you want is a fantastic feat of engineering. What if the car you want has a tripe reputation? You are then left with a new car that costs you a fortune in repair costs. 

The advisable thing to do is creating a list of possible cars that you find aesthetically pleasing. Then taking all of the vehicles from your shortlist on a test drive will certainly help you whittle down the good from the bad.

Be Prepared

Making a good deal of advanced preparations before heading out to view a car is essential. You should be armed with lists of questions and things of note to pay attention to as soon as you get there.

One of the first moves you should make, especially if the dealer knows you are coming is to feel the bonnet of the car. A smart little trick that dealers like to do is start the car and leave it running before you arrive.

By getting a car warm, the second time it starts helps to hide any issues that may be present when the car is cold.

Small things like this should fall to your attention; if something doesn’t look or feel right, there is no issue in walking away and finding the same car elsewhere. 

The Advantages of Leasing a Family Car

The Advantages of Leasing a Family CarIf you’re in the market for a new vehicle, you may be thinking about buying one, either old or new. There are, however, a lot of reasons to consider leasing a car, instead of owning one outright. Here, we look at five reasons for leasing a car and why it could be the best decision for your family:

Spec Upgrade

Most people who lease a car find that they’re able to afford a much better model than they would if they were buying the car outright.  your monthly payments are typically lower compared with other forms of finance, so you can lease a better make, trim or option. Take a look at Blue Chilli Car Leasing Deals. 

Peace of Mind

With a lease car, you’re going to be driving a brand new car, rather than one which is older. This means that you’re less likely to have breakdowns or issues which cause the car to be unreliable, so you’ll have peace of mind that you’re driving your family around in something to rely on.

No MOT

Because lease cars are usually brand new, they also won’t need an MOT. In fact, new cars don’t need an MOT until they’re three years old, so if you choose continue to upgrade your vehicle after a year or two, you’ll never need to deal with nail-biting MOTs again!

Easy Monthly Budgeting

Apart from fuel and insurance, when you lease a car you know exactly what motoring is going to cost you because your expenses are rolled into one – monthly payments, Road Fund licence and breakdown cover. And if you include a maintenance package, your ability to budget becomes even stronger

Value

When you purchase a new car, the value depreciates the second you drive it off of the dealers forecourt, but when you lease a car this is no longer a worry. You don’t have to worry about fluctuations in the car’s trade-in value or go through the hassle of selling it when it’s time to move on.

How To Decide If You Can Afford a New Car

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Many experts believe that there is no worse investment than buying a new car. It can be seen as a huge waste of money and a piece of metal that will depreciate in value the second you drive it off the forecourt. But you may have decided that buying new instead of second hand is best for you and your family. So here are some things to consider when deciding if you can afford to buy a new car. 

Maybe you dread the thought of constant repairs or want a car that is in line with today’s emissions and safety technology. Or maybe you just love that new car smell. There really are many different possibilities. But the big question to ask yourself is- can you really afford it? 

Put Down a Downpayment 

If you don’t have the funds to buy your chosen car outright, you’ll need to put down a little bit of cash to secure the deal. Companies such as Really Easy Car Credit could help you get the amount that you need. The ideal amount to put down is approximately 20%. Sit down and do the figures and see if you can afford it. 

Take a four-year loan

The most common length of loan for a car or other auto vehicle is approximately six years. However this could prove a bit too long. Consider taking a loan of around four years. It a good way to minimise the interest and ensure you’re not paying more than you have to. It also a good way to determine what you can afford. If you can’t meet the requirements for a loan payments of four years, it’s more than likely that you can’t afford the car in the long term. 

Only use 10 percent of your income

One final point is to ensure that you’re only using 10 percent at most of your monthly income towards your car payments. Any more than that and you can see yourself drifting into the red financially. Account for everything, including fuel. Car insurance, MOT fees and even parking tickets in this amount.

Stay within these boundaries and you’re looking at being able to realistically afford the car that you want. 

 

Bonus tip – Consider trading-in your car for another used vehicle

 

Maybe after reading this, you’ve decided that buying new isn’t for you, at least not right now.  In that case, maybe you should think about buying “newer”.  There are basically two ways you can go about this.

One option is to sell your current vehicle and then use the funds to buy a replacement.  In theory, this could get you the best deal.  In practice, it can turn out to be a whole lot of pain for little to no gain.

In short, the internet has made it really easy for buyers to research sales prices for just about any type of vehicle.  This means that they’ll almost certainly be looking for a meaningful discount on the “dealer price”.  To be fair, this will reflect the fact that they won’t get the same level of protection on the sale.  They’ll also, presumably, be paying the full price up-front.

The other option is just to trade in your existing vehicle for a newer one at a reputable dealer.  For example, you can just browse the used Vauxhall cars for sale from Pentagon and pick your favorite.  Then contact the dealer and ask what they can offer as a trade-in deal.

You’ll probably find that the discount the dealer will offer you will compare very favorably to a realistic private sale price.  What’s more, you can generally also get finance on decent terms.

 

Things To Consider When Buying a Family Car

Last year, we decided that our old Volvo was probably on it’s last legs and needed replacing. We were on a bit of a budget and managed to find a Ford Focus on a 52 plate which was within our price, but ultimately it’s not been the perfect car for us, so we’re looking for something new. I have certain criteria when looking for used cars and I thought I’d share them with you in case it helps with your own search.

Fuel Economy

Buying a second hand car means you’re probably not buying the most up-to-date vehicle with the best fuel mileage, but it’s still something worth considering. Given the fact that our Focus has a smaller engine than the Volvo and is a smaller car in general, I thought the fuel economy would be better, but it’s actually almost identical to the Volvo – not great when fuel is my biggest expense each month.

Insurance

When we bought the Focus, we knew that the insurance group was high, which is apparently something to do with the sheer amount of them on the road influencing average statistics, but we decided to take the hit because of needing something quite quickly. However, next time, I’ll be aiming to go for a car which is a much lower insurance group than this one.

Comfort

As a driver, I’m largely ambivalent to what I drive and have no major preferences on cars, but comfort is something which my passengers have to have a say on. When we switched from the Volvo to the Focus, Husband lost a lot of leg room in the front seat, and that impacts how far back he has his seat, and in turn how much leg room the seat behind has. Next time we buy a car, I’ll be making sure it’s comfy for everyone.

Safety

This is probably the single most important factor for us; one thing we really miss about our Volvo is knowing that it was an incredibly safe, heavy, well-built car, and unfortunately the Focus doesn;t inspire the same confidence. Husband and I will be checking the safety stats of everything we consider when it’s time to buy something else.

Parts

The one and only thing that we’ve liked about the Focus is the fact that the parts are pretty cheap, which is lucky seeing as we’ve needed to have SO much work done to it in a year. Any car we consider in the future will be checked to see if the parts are ridiculously expensive before we buy!

What To Do in 3 Steps if Your Car Gets a Ding

Car Dings – Three Vital Steps!

We have all been there at some point. We step out from home, work or the supermarket and find that some kind soul has left a scratch, dent or ‘ding’ on our car. A dented door, a cracked bumper or a horrible knock in the boot might seem like the end of the world. It’s certainly true that it’s a major inconvenience, but thankfully, with a few common sense steps, there are some things we can do to mitigate any further headache. All Nations Insurance have a helpful article on what steps to follow, but the below steps are a good starting point.

Step 1 – Take Photos and Find Witnesses!

Most of the time, whether the person who caused the damage was aware or not, they will not leave details. Gone are the days of popping a note under the windscreen with an apology and a phone number. If the person has left their details or is still at the scene, then that’s a great start, as insurance details and agreements on the next steps can be arranged, amicably, on the spot. It’s important, however, to take photos of the accident ‘as is’ so that the circumstances can be confirmed later. Additionally, despite the other side’s possible admission of liability, if there are any witnesses, the best course of action is to canvass them and obtain statements wherever possible. That way, if negotiations go south later on, you have a back up plan. Wrapping your car instead of getting it resprayed when its damaged it a really effective cost effective way of fixing paint work. There are lots of different car styling options available to achieve this.

In all cases, if the accident has taken place in public, it’s worth contacting the business whose premises may have CCTV, or the local public body who may have caught the incident on camera. There are no real considerations to worry about; most of the time, CCTV operators will simply check if they have caught the incident on camera, and if they have, will allow you to retain the relevant footage. Becker Law have helpful information on what type of photos to take, how many, and what any photographs should ideally include.

Contact Your Insurance Provider!

In all cases, if it looks like things are going to have to be repaired professionally, get in touch with your insurance provider, and in all circumstances don’t refuse to hand your insurance details over if asked. Furthermore, always get the other person’s insurance provider details. There is no bigger shock than receiving a call from your provider stating you hadn’t reported the incident; regardless of blame, it can put your claim on the proverbial ‘back foot’ and makes claims more complicated.

Make Repairs Through An Approved Facility

Always ensure repairs are carried out through an accredited and approved insurance repair centre. Outside companies may be cheaper or claim to be affiliated, but claiming the money back later can be difficult to impossible. Furthermore, the repairs are not always to standard, and will nearly always not be covered under any kind of warranty. Whilst it may be a cheaper option, it will cost more in the long run. Superior Auto Institute provide training to their repair operatives to enure PDR training has been completed to the relevant professional standard, and this should be the base line for considering any place of business to repair a ‘ding’.