Replacement Car Key – A Few Tips and Tricks

Have you ever experienced losing your car keys? One of the most common feedbacks that you will surely get is that it is a very frustrating experience. You are off to an all-important meeting then when it is about time to go, your car keys are nowhere to be found. What ensues afterwards is yourself constantly going back and forth in your house in an attempt to look for your keys. In a much luckier situation, you will be able to find your keys but there are unfortunate cases that people just outright lose them. Lost car keys are much more common than you can ever imagine. But what is important is that you know exactly what to do in case it happens to you. In case you don’t know, car keys are actually replaceable. Keep on reading and you will know a few tips and tricks with regards to a replacement car key.

If you find yourself in a situation when you need a replacement car key, by far one of the most widespread solutions is to determine if you have a spare set of keys. But if that is not a viable option, the second thing that you can try is to get in touch with your car dealership. In most cases, your car dealer will be able to easily replace your lost keys. But while having your keys replaced by your car dealer is a surefire option, one of its biggest caveats is that it may cost you an arm and leg. If your vehicle is a bit on the modern side, then this means that your keys will most likely contain special computer chips and require special programming. And because of that fact, be ready to shell out as much as $200, which most people would agree is kind of steep. Most of the expenses are for the programming the electronic chip.

So you ask, which is the most economical solution for a replacement car key? There are a few things that you can try in this case. Probably your best bet is to purchase a replacement from your friendly neighbourhood locksmith. Yes, a qualified locksmith is capable of making a replacement set of keys for clients who have lost theirs. They have the experience, expertise and the right tools that will enable them to create replacements. And the best part is, they can do this for a fraction of the price as compared to the price that is being charged by most car dealers. But calling a locksmith is not exactly a foolproof option because not all of them are proficient when it comes to making replacement car keys.

Tips and Tricks for Saving on Auto Insurance

Finding the best auto insurance rates can sometimes be tricky. It is absolutely necessary to be insured on the roads, though. In fact, it is required, by Illinois state law to have coverage. Some find auto insurance to be extremely expensive but, there are ways to help make it more affordable. Here are some things to consider to find the ideal price of insurance.

Shop Around

Get quotes from multiple insurance companies, including different types of companies. Also, realize that the lowest number does not mean the cheapest.

Consider Insurance While Shopping for Cars

Some vehicles have lower reliability ratings and other factors that contribute to higher premiums. While researching cars it is important to compare potential premiums for each of your options to ensure you are getting the best deal.

Increase Deductible

By increasing your deductible, you can decrease your premium. Just be sure that the deductible is manageable for your budget and that you have enough money saved in case you need to file a claim.

Bundle Insurance

If the insurance agency that you choose offers bundling, take advantage of it. If not, try to stay with the same company for all of your insurance needs. This results in discounts in most cases.

Keep Good Credit

Having good credit helps lower insurance rates. Researchers have found a significant relationship between your credit score and amount of claims filed. Insurance companies tend to rely on this correlation to define your financial responsibility.

Low Mileage Discounts

Research mileage averages and see if you fall below that. Do not be afraid to ask about a low mileage discount. This discount could also apply to you if you are someone who carpools.

Group Insurance

Some people fall into the category of people who receive insurance from their employer or other groups they belong to. Some insurance providers offer discounts on auto insurance to people who fall into this category.

Other Discounts

Ask your agent if there are any additional discounts you are qualified for based on certain qualities such as how you drive, etc.

Purchase 10+ days before you actually need it

By purchasing coverage before you need to use it helps drive down premium costs.

Pay in Full Up Front

If possible pay in full, rather than setting up a payment plan. The amount you save annually will add up.

Get New Policy When You Move

Especially out of state! Some states have significantly higher insurance rates than others.

Older Cars

Buying a brand new car, just released is exciting, but if your priority is lower insurance premiums it is better to purchase models that are 5+ years old. They are considered more reliable.

VIN Number for Quotes

The purpose of this is to see if you are eligible for a discount if you have anti-theft devices.

Go Paperless

Some companies value using less paper and offer a small discount to those who opt out of using paper which is not hard to do in this age if technology. It is a small offering, but it adds up.

Insurance Vocabulary

Be sure to understand what the verbiage means so that you have a good idea of what you actually need covered and what questions you need to ask your agent.

Automatic Billing

This is another way to save over time, similar to going paperless.

Education

Some insurers offer discounts based off of the level of education you have. For example, some offer discounts for college graduates.

Teen Drivers

Teen drivers are known to drive up insurance costs, since they are more accident prone. But, if they are in a college that is 100+ miles away without a car some insurers allow them to be temporarily taken off of the plan. Additionally, most companies offer a “good student” discount implying that they correlate this test of intelligence with responsible driving habits. Proof of a safe driving class can also save some money on teen auto insurance.

Change Insurance When Lifestyle Changes

If you expect to drive less due to retirement or other factors, report this to your insurer. This can reduce the amount that you have to pay for insurance.

Most importantly, be aware of your needs and form a relationship with your insurance agent. Awareness is the first step towards savings.

Tips And Tricks To Help You With Your Car-Buying Decision

There are many people that are fantastic with cars,a long with knowing the values of each model and make. Others break out into hives just by thinking about the process of shopping for a vehicle. If you’re not properly informed, you will find these tips to be of great use.

Don’t let salesmen talk you into anything that is unaffordable. Sports cars look nice and you can be sweet talked into such a purchase. Keep your budget in mind and stay in control of the situation.

Get your financing in order before shopping for autos. Talk to either a bank or a credit union about it. This can often result in better interest rates. This can allow you to visit a dealership with the knowledge of knowing the amount of money you can afford on a vehicle.

Do not pay sticker price for a vehicle. Sticker price is an over-inflated amount they don’t think anyone will pay. If you don’t think you can properly negotiate, bring along someone who can. Make sure you research the car you are interested in first, however, so you have some idea of what to offer.

Always test drive a car before you buy it. This will give you a feel of how good the car drives. There could always be something which makes you hate driving the car.

If you are looking for a new car, you need to find one that is safe. The car should have ABS or anti-lock brakes. Airbags are also crucial, and your vehicle can never have too many. It is vital that your car is safe.

As you shop for your car, think about fuel economy. For instance, you might think a big V-8 engine, paired with a towing package, is a great idea. But, is that really a need or simply a want? Are you actually going to use that feature? If not, it may not be the wisest investment.

Talk to your bank beforehand to ensure you are eligible for a loan. This is simply for safety. Often times a dealership will get you a better offer than your bank, however it’s always good to have a backup plan.

Shop for a car towards the end of a month. At most dealerships, the salesmen are trying to reach a certain quota for the amount of cars they have sold. At month’s end, the salesperson may still need to meet his quota, and he will be more conducive in giving you a better deal just to make a sale.

Shopping for new cars can be fun and exhausting. You can take some of the stress out of the process by doing much of your shopping from your home computer. Many websites offer side by side comparisons of various vehicles. This lets you narrow your options.

Plan your budget before going out and trying to buy a car, regardless of whether it is new or used. You need to have a firm idea of how much car you can afford. You need to be aware of what you can afford on a payment. Shop for a car loan before shopping for a car.

Never sign any type of auto contract until you read it. Before you blindly start signing contracts on the dotted line, read the entire contract start to finish. Whenever you sign a contract, then legally, you are bound to it. Take a copy of the contract home or have a professional look over it with you if you’re having difficulties. You might be able to ask them for a photocopy of the contract.

Research properly when you want to buy a car that is used. This can give you a better idea of what you should be paying. Kelly Blue Book is a great resource to determine the value of a car. If the dealer is selling a car for more than what these two sources price the car at, then go elsewhere.

Do not feel helpless any longer. You have the information you need to make smart choices when it comes to car buying. When you pay the right price on a car, you will love it even more. You can now enjoy shopping for your new car!

Tips and Tricks for Buying Your Next Car From a Car Dealer

Whether you are in the market for a brand new $120,000 sportscar or a new-to-you $2,500 commuter, all consumers want a “good deal”. Nearly every dealership will spend thousands of marketing dollars on stressing this fact to you, all before you ever step foot on the asphalt. It is up to you, the informed consumer, to utilize your strengths, minimize your weaknesses, and do the uncomfortable dance to get behind the wheel of your dream vehicle at the best possible price. Following some or all of these pieces of advice will give you the best chance to do just that.

1. There is always a “Big sale and promotion”, but the biggest are at the end of the month.

If you get nothing else out of this article, get this: Do NOT go car shopping outside of the last 5 days of the month. Manufacturers create monthly incentives to attract customers to the dealer’s lots. Normally, these incentives run through the end of the month. However, every dealer (from the dealer principle to the newest salesperson) is trying to sell the most cars possible. As a result, they will be a lot more flexible and eager to earn your business on the 27th, as opposed to the 7th.

2. There is a lot more markup on used cars than new cars.

Don’t expect for the dealer to come off the advertised price on a new vehicle by much at all! What would you guess is the average markup on a new vehicle? $3,000 or maybe ever $5,000? Let’s try negative $256.00. I’m not kidding. Out of a group of 80 franchised dealerships, they lose an average of $256.00 gross by selling this specific model. When looking at used cars, pay attention to any pricing trends. Do you see some common endings, such as $XX,995 or $XX,986? Ask the salesperson in very general terms how long some of these vehicles have been on the lot and you might be surprised what you can learn. Most dealerships shoot to “turn” or sell used vehicles within 45 or 60 days. If the vehicle is older than that, you have quite a bit more leverage.

3. Be polite, seriously!

Everyone has dealer horror stories that they love to tell when they hear that their neighbor or coworker is going to buy a new vehicle. Here is a great piece of advice: if you don’t like the way you are treated at a dealership, then get back in your car and leave! There are good dealerships in your area that have good salespeople. The best part about it: you can get the same price on a new vehicle, since there is so little markup. However, please be polite. Car salesmen are people too. They get their feelings hurt and are simply trying to make a living. If you treat them with the same amount of respect that you hope to receive, you will make the entire buying process better for everyone involved.

Buying a vehicle doesn’t have to be a scary experience. As you start this process next time, please keep in mind these key points. They are guaranteed to help you as you go through this process. Remember, an informed consumer is a powerful consumer. Use all of the tools at your disposal before going to the dealership and be polite once you are there. Most of all, enjoy the car buying process and congratulations on the purchase of your new vehicle!