Monthly Archives: October 2015

Regular Maintenance Intervals for a Used Car

The importance of keeping up with regular maintenance intervals for a used car can’t be overstated. Let’s go over a few items that if you take the time to keep up regularly, will extend the life of your used car for years.

First and foremost is the need to change the oil in your vehicle at factory recommended drain intervals. Oil for a vehicle is the life blood of an engine, literally. Fresh oil allows the internal moving parts of a car’s engine to run smoothly and without friction. It’s like your body if your blood is free of cholesterol it moves smoothly around your body and the likelihood of a heart attack is nil. If however your engines oil is dirty and old, that causes friction and increases the work load on the engine. Thus making the engine work beyond its limits and breaking down. The life expectancy of an engine is diminished when it’s under heavy stress. An oil change in most cases is less than one hundred dollars. A new engine can run several thousand dollars.

When I see people in shops they tend to pass on changing out filters. Here is why you need a clean filter. Air filters protect your engine intake (air) from particulates in the air. These tiny particles can act like sand paper in your vehicles engine. This would not be a good thing. Keeping out bad air and letting good air into your engines intake will allow for more horsepower, better fuel MPG and allow your engine to run as it was designed to run. Filters are the lungs of any vehicle. Good clean air in will allow your engine to run a peak performance.

Checking tire pressure to maintain proper inflation levels is another simple task that can negate many problems. When the tires are properly inflated they do not cause drag. Low pressure means it drags behind and the car’s engine has to work harder. If the vehicle rolls smoothly the engines works less, better fuel MPG and longer tire life. Also this is of major safety importance. Tires run hot when they are underinflated, this can cause blowouts.

It’s far less to pay for normal maintenance than it is to pay for unexpected mechanical failures. When your vehicle has fresh oil, clean filters, proper tire inflation, it will give your used car years of reliable service.

Undoubtedly you will have found a great used car on www.usedcarstampa.com. We strive to provide great information to keep your vehicle running great for years to come.

Should I buy a used car or new car?

When it’s time to choose your next vehicle, will it be a used car or new car? We’ll talk about the differences of choosing new or used.

It’s important to have clear goals when you’re purchasing a vehicle. Here are a few things to consider when buying a new car. The first and foremost is depreciation at the point of purchase. When the dealer titles the car to you, this is when you will say ouch! Cars take the biggest single hit when the car is first titled.

A nice thing about a new car is of course being the first owner, new car smell and driving off the lot. It’s a special day for anyone their first new car.

The upside to a new car is the warranty. New cars will have typically more warranty than a preowned vehicle. Other things would include roadside assistance, towing and loaner cars.

Considering a preowned car, truck, or SUV model if you choose wisely can save you money on a couple financial fronts. First, all the first year new car depreciation is gone. Once a new car is titled with a new owner that owner will realize the largest depreciation hit at that time. Subsequent owners won’t realize such losses.

A used car will devalue for miles and condition. If you purchase a good used car and take care of it, you will be more likely to recover more of your investment back. Keep in mind though vehicles depreciate, no changing that!

When choosing a late model car that is still under factory warranty you can purchase additional warranty coverage. You may want to factor that into your buying decision. If the engine and transmission on most cars today are covered up to 100K miles, then it begs the question why do I need a warranty? The quick answer is all the onboard computers that run the systems in cars today. Most vehicles have twenty five times the onboard computing power than it took to take a rocket to the moon. Think about that!

With certified preowned cars you do have the advantage of additional warranty, clean CARFAX™ history report and in some cases special financing from the franchise finance source.

The upside to a used car is you can often purchase a little more car, truck or SUV model than its new counterpart. A vehicle with a few miles will be less expensive than the new version. If you choose wisely and do your homework, you will find this to be a great alternative to a new model.

Searching for a quality preowned car here in Tampa is easy, at usedcarstampa.com our dealer partners have great selections of quality used cars, trucks and SUV models to choose from. We hope you find our articles helpful and informative, good luck in your search.

It’s important to have clear goals when you’re purchasing a vehicle. Here are a few things to consider when buying a new car. The first and foremost is depreciation at the point of purchase. When the dealer titles the car to you, this is when you will say ouch! Cars take the biggest single hit when the car is first titled.

A nice thing about a new car is of course being the first owner, new car smell and driving off the lot. It’s a special day for anyone their first new car.

The upside to a new car is the warranty. New cars will have typically more warranty than a preowned vehicle. Other things would include roadside assistance, towing and loaner cars.

Considering a preowned car, truck, or SUV model if you choose wisely can save you money on a couple financial fronts. First, all the first year new car depreciation is gone. Once a new car is titled with a new owner that owner will realize the largest depreciation hit at that time. Subsequent owners won’t realize such losses.

A used car will devalue for miles and condition. If you purchase a good used car and take care of it, you will be more likely to recover more of your investment back. Keep in mind though vehicles depreciate, no changing that!

When choosing a late model car that is still under factory warranty you can purchase additional warranty coverage. You may want to factor that into your buying decision. If the engine and transmission on most cars today are covered up to 100K miles, then it begs the question why do I need a warranty? The quick answer is all the onboard computers that run the systems in cars today. Most vehicles have twenty five times the onboard computing power than it took to take a rocket to the moon. Think about that!

With certified preowned cars you do have the advantage of additional warranty, clean CARFAX™ history report and in some cases special financing from the franchise finance source.

The upside to a used car is you can often purchase a little more car, truck or SUV model than its new counterpart. A vehicle with a few miles will be less expensive than the new version. If you choose wisely and do your homework, you will find this to be a great alternative to a new model.

Searching for a quality preowned car here in Tampa is easy, at usedcarstampa.com our dealer partners have great selections of quality used cars, trucks and SUV models to choose from. We hope you find our articles helpful and informative, good luck in your search.

Choosing Financing for a Used Car

Finding financing for a used car can be a daunting task. So many lenders, so many used car finance products, it can be difficult to decide. We’re going to give you a few pointers to help with the process and make shopping for financing for a used car a little easier. At UsedCarsTampa.com we strive to provide you with great information so your car buying experience is a joyful one.

 

If you’re shopping for a pre-owned car from a dealership you will find plenty of finance options available. An important side note, be sure you know your credit score before you shop for financing for a used car. All automotive financing is based in part by your credit score. It will dictate your rate and terms. Get your score directly from Trans Union™, Equifax™ and Experian™. So called credit companies can’t give you as accurate a score as going directly to the source.

 

You will also want to know your credit score to give you bargaining power. The higher your score the lower rate you can qualify for. Lower scores will raise rates, the question is how much. Ask questions about your financing, make sure you’re getting the best terms and rates available to you. Don’t allow every dealer to pull your credit, give them your score and base payments on that until you’re ready to sign, don’t put multiple inquires on your credit.

 

What to do if your credit is less than perfect. Bad things can happen to good folks. The good news is you can re-establish your good credit. Be prepared for a high rate of interest. Keep in mind this is a loan that you will want to pay on long enough to get your credit back in shape. This is not a used car you want to pay off. Two years of good pay history, and trade out. You could refinance theoretically with your own bank or credit union. Also be realistic have a down payment, the more you can put down the easier time you will have getting financed. Tampa has great dealers that can assist you along the way.

 

Choosing an extended warranty and other finance products when you’re signing paperwork, what to choose and “do I need it”? Protecting your investment is never a bad thing. If the used car you’re choosing is still under the manufacturer’s warranty it will qualify for a new car extended warranty. This means you will pay less in price for these types of plans. Have the finance manager answer all your questions and feel comfortable before making a decision. Gap insurance is another product that pays off the difference between fair-market-value vs. your payoff should your car become a total insurance loss. Simply if the insurance is paying less than what you owe, there is a gap. Gap insurance pays that portion.

 

Credit insurance and disability coverage, check with your own insurance agent to see if you have overlapping coverage before you purchase these products.

 

Choosing these products is solely your decision. Ask questions and make sure you have a clear understanding of what you’re buying. Protecting yourself and your investment make sure you’re informed before you sign on the dotted line.

Tips for buying used cars in Tampa

One of the main benefits to living in the Tampa region is that if you ever need to buy used cars in Tampa you will find that there is no shortage of options to choose from, and for the most part those options contain a cleaner higher quality rust free type of used car. While this may be great for your chances of finding the right used car at a fair price, it also means that you are going to have to wade through all of these options to find that car. Like with many of tasks that we endure throughout life, one of the keys to success is taking the time to do the job right.

Budgeting
The first and probably most important step is setting your budget. Figure out how much money you can afford to spend in total and if financing is a possibility, you also want to consider how much you can afford to cover in monthly payments. When you are setting the budget for your used car purchase, you also want to consider the cost of things like taxes, title transfer fees and insurance. Once your budget is set, you can then begin to consider the type of vehicle that you need.

Vehicle type
Selecting the type of used car that you will buy is an important part of the process where a lot of buyers make mistakes. The two things that you need to remember the most when you are considering the type of vehicle to purchase are your budget and the specific things that you need from the vehicle. Specific factors such how big your family is and how miles you will be driving to work, school, etc. will help you make a good decision. It is not uncommon for used car shoppers to fall in love with a vehicle that doesn’t fit either their needs or their budget and in turn, they end up making a bad purchase. Making a good purchase means defining your needs and sticking to your budget.

Finding the right car
After setting your budget and defining your needs, finding a prospective list of used cars can be fairly straightforward. One of the simplest ways to find used cars in Tampa is searching the online listings at websites like UsedCarsTampa.com. The fact that there are over 3,500 searches conducted for “Used Cars Tampa” confirms the fact that many are finding success using this method. The consumer can provide details like make, model and price range and the website will supply them with a list of cars that fit the circumstances of the individual.

Once you have a list of potential used cars to buy, you will also want to do a little research to ensure that the seller is offering the car for a fair price. One way that you can do this is to compare the cars to similar models that are for sale in the region. Along with comparing it to other models that are currently for sale, you can also use resources like the Edmund’s True Market Value  and the Kelley Blue Book value. Having an accurate value for a used car is essential to getting the right car for the right price.

After you have completed the above steps, you will have a list of the cars that are worth investigating further. This means contacting the sellers, going to test and inspect the cars in person and possibly negotiating for a price that will satisfy both parties. If you want to get the most for your money and a car that will serve you well, it will take some time and effort, but this is time and effort well spent.

Guide for finding a Used Car Dealership

If you have been thinking about buying a used car in Tampa, you will have a lot of options to choose from. The main option will be to buy from a private seller or from a used car dealership. When searching for a suitable used car dealership one must take the following into consideration.

There are two types of used car lots. A business whose lone purpose is to sell used cars and nothing else, and used car lots that are part of a larger entity that sell new cars as well as used cars. There are advantages and disadvantages to both. First when considering buying from the business model that strictly sells used cars. Though there are exceptions, much of time you will find older less expensive vehicles to choose from. For this reason the financing that you find will be geared toward subprime parameters with higher interest rates. Also, due to the inventory that these establishments hold there is not usually much if any kind of warranty or vehicle guarantee. Inventory for these used car lots primarily come from trade-ins and dealer auctions.

The second type of used car lot is the automaker dealership lot. These lots are affiliated with and are attached to the major car maker’s around the world and are mainly stocked with used cars made by those makers, but also offer a wide array of options. For the most part these vehicles are no more than a few years old. The majority of the used cars on these lots come from leases that have expired or trade-ins. Since automaker dealerships always have a service department it can be assumed that they have been looked at and any major mechanical deficiencies have been fixed before being put on the lot. For these reasons you will more than likely be able to attain a conforming financing position and be provided with some sort of vehicle guarantee. Depending on your personal needs these factors should help you to determine which type of used car dealer is right for you.

The main resource that a consumer can use for sifting through all of the potential used car dealerships is the internet. Online resources can provide the consumer with dealer used car listings that include information about the individual vehicle, photos of the used car and reviews from people that have driven similar cars. You will want to look at what types of cars they are selling, the different payment and financing options that they have and whether they offer reports on the vehicle history. You can also check out reviews from a used car dealership’s past clients and search information that will indicate whether the used car dealer has a good reputation or not. You also want to look into whether or not they are a member of any trade organizations. If a used car dealership is a member of a trade organization, it means that they voluntarily adhere to higher standards and this is a good indication that they deal fairly with their customers.

A smart consumer will also take the time to research the prices of used cars that different used car dealership’s have posted online. When you go to the used car dealership’s website, they will probably have a listing of the cars that they have for sale on one of the pages. Take some of the information about the cars from the website and compare the price to similar vehicles that are for sale in the region. You can also check their pricing by entering the information into the Kelley Blue Book database. If you find that a used car dealership consistently overprice their used cars, it is unlikely that you will find a good deal through that seller.

While buying a used car can be a great investment, there is still the potential for the consumer to end up with a bad deal. One of the main pitfalls that will lead to a poor buying decision is selecting the wrong used car dealership. That is why consumers should do their homework and learn about the dealer before they visit the lot. This is possible as there are more resources to help them with the shopping process and stricter laws being put in place that require a certain level of quality and ethical behavior in the used car selling process. Thus, more buyers are directing their attention to the used car.

When you are shopping for a used car in Tampa, you can never have too much information about the vehicle and the seller. If you start the shopping process without the necessary information, you might get lucky and get a good deal, but a major purchase like an automobile is not something that you want to leave to good fortune.