Car repairs are expensive. While the initial cost of a car might not be that much, bringing that same car to the mechanic can easily empty your bank account. Hundreds of people lose money every day due to a car that doesn’t work properly. If you rely upon your car to get to work, to pick up your children, and to simply get around town, you know how important your vehicle really is. But, what can you do if you just can’t afford to pay for those pricey car repairs?Have you considered applying for a car repair loan? That’s right – car repair loans do exist. These loans are reserved exclusively for those that cannot pay for car repairs up front. While traditional lenders might provide loans to those with stellar credit, these lenders hardly every approve any kind of loan for those with poor credit. If your credit report isn’t something that you are proud of, you can take solace in knowing that there are private lenders out there that will approve a car repair loan for you – no matter what your credit report might look like.How does this type of loan work? While customary lenders will base your loan entirely upon your credit history, other private lenders will base a loan only upon your assets. This means that your bad credit report doesn’t matter at all. All you need to have is some form of steady income, a car that’s less than eight years old, car insurance, and a clear car title. Car repair loans through bad credit lenders are the easiest and most efficient way to fix your vehicle. Car owners with no credit, bad credit, and a history of bankruptcy can gain a specific car repair loan. This type of loan is also perfect for truck drivers.Car repairs might cost a lot, but repairing a large truck is another kind of expense altogether. If your rig needs major alterations, don’t skip another day of work. There are lots of loads out there that you might be missing out on if your truck doesn’t work properly. Still, finding the money to repair a large truck might seem like an impossible feat. If you are stuck in this situation, you should know that car repair loans can apply to you as well – regardless of your credit history.You’ll also be happy to know that paying back this kind of loan is also easily attainable. Monthly payments will always be well within your budget, and you’ll find those repayment terms easy to follow. Why should your credit report prevent you from getting where you need to go? It shouldn’t. Instead, apply for your car repair loan online right now. Within moments, you should be approved for that loan that you so desperately need. Why put your life on hold due to car repairs? Instead of trying to scrape together the money for those large car or truck repairs, sign up for an Auto Title Loan… and get your life back in motion.
The role of the automotive advertising agency has changed to follow the new rules of the road on the Internet Super Highway. Newly empowered consumers are no longer limited to shopping for a vehicle using information provided by self serving auto dealers pushing information to them using conventional media like radio, T.V. or newspaper. Social media has allowed car shoppers to gather information from like minded customers before, during and after their shopping and/or buying experience. These online friends are playing an increasing role in the car shopping process and automotive advertising agencies are using them to influence buyers.The new pull / push nature of the market powered by the Internet requires automotive advertising agencies to focus on people vs. product or price. Car shoppers are following their own agendas when pulling information from the world wide web that no longer requires them to rely on an auto dealer as the source. Today’s online shoppers prioritize people when selecting a dealership they are willing to do business with. That is not to suggest that product and price aren’t important. It simply suggests that all systems start and end with people and that people are the true asset of any auto dealer, automotive advertising agency or vendor!The most obvious evidence of the priority that people play in the auto shopping/buying/service experience is the explosive growth that social media has enjoyed as a marketing media vs. conventional radio, T.V. and print that used to dominate the automotive advertising landscape. Automotive advertising agencies recognize that people have always preferred to do business with people that they like and social networking has expanded the spheres of influence of car shoppers/buyers to include their online friends.The market is a conversation amongst friends before, during and after the car shopping/buying/ service cycle. Auto dealers that have friends in the social networking communities are more likely to be invited to participate in the dialogue. More specifically, automotive advertising agencies realize that it is difficult to befriend a building or a website! It is the people that work at the dealership to support their families that have the story to tell to their friends and who will earn the sale — not the Chevrolet, Toyota, Mercedes, etc. — or the extended service hours and weekly specials. Saturday service hours have no appeal if the customers don’t like or trust the people that they are handing their keys to. Having a friend in the car business is a relief that trumps the best process, product or price for the average car buyer.Automotive advertising agencies also recognize that people play a role in both the real and virtual world showroom experience which will be reflected in the number of units sold and their job performance at the end of the month. First impressions are irretrievable and they are not limited to a large inventory, clean showroom or a dealer centric selling system that processes customers in sales and/or service. The atmosphere in a well run dealership reflects the morale of the staff in sales and service which directly impacts the customers that an automotive advertising agency drives to the dealership.A smiling sales person, service writer, operator and cashier can’t be forced as a part of policy — much like customer satisfaction can’t be bought or taken for granted by simply offering the best price; it must be earned. It is earned when a dealer or manager appreciates the individual and team contributions of his staff — and tells them so on a regular basis! It is maintained by HR departments and hiring practices that select personality over prior auto sales experience with compensation plans that reflect individual contributions along with job descriptions and defined areas of responsibility that are managed and monitored by a caring management team.Employee retention is directly linked to customer satisfaction and customer retention and neither can be taken for granted. Automotive advertising agencies are counseling their auto dealer clients to invest in their people before, during and after they are hired to compliment their investments in automotive advertising. It is their people that will represent their dealership and it is their people who will sell their cars and service to a growing list of friends and customers.Automotive advertising agencies have extended their areas of responsibility to include their involvement in all aspects of day to day operations at an auto dealership. Most selling systems and related processes include a meeting and greeting, an initial manager T.O. to qualify the customer’s needs, an inventory and facility walk, a test drive, a feature benefit presentation, a desking procedure, a manager T.O., negotiations, an F&I introduction, a delivery procedure and service introduction. All of these steps are then supported by a state of the art CRM/ILM, DMS and follow up system. Unfortunately, all of these well thought out procedures are only as good as the sales person who entered the customer into the system and/or who is expected to follow up if not sold or who is relied on to solicit future service and referrals.All of these actions reflect on the job performance of the automotive advertising agency and they must be addressed as part of their areas of responsibility. Automotive advertising agencies recognize that sales training is all too often limited to a few weeks immediately after the hire and/or some outsourced trainer hired to pump up the staff. Given the complexity of a well planned selling system — as described above — how can a new hire be expected to retain everything that they need to know? Add product information and an understanding of how human nature impacts the negotiation process and — once again — the investment in the people becomes self evident.There is a paradigm shift taking place in the way that sales and service training should be applied at a dealership and it is up to the automotive advertising agency to insure that it is understood and applied. Forward thinking automotive advertising agencies have discovered that sales and service training can’t be limited to the new hires and or as needed to motivate the staff. It must start in the hiring process by selecting trainable personalities and then integrated into the selling system in such a way that the processes teach the sales person as much as the customer. Buyers and sellers must form a habit to listen and learn from each other before they can presume to sell or buy anything. A sales person does not need to know everything — they simply need to know where to find the answers that are relevant to the customer to move them through their buying decision.Automotive advertising agencies often rely on new technologies to provide efficiencies applied to proven old world wisdom. New mobile sales applications are being developed that promise to provide a salesperson with the right information at the right place and the right time which will integrate training into the sales process. The key is to focus on the people part of the presentation supported by the processes, products and the price rather than the other way around.
From more than 25 years of experience as a car accident lawyer, I have seen that, no matter what other car insurance coverages you choose, there are two that you absolutely must have. And they are even more critical now, in today’s economy.I know, car insurance coverages can be confusing. And, probably because you don’t really understand it, shopping for car insurance is one of your least favorite things. Well, I agree that this topic is boring and confusing and absolutely no fun to think about. But ignore it you shouldn’t.Let me see if I can help.First, a quick refresher – Car Insurance 101. These are the main insurance coverages, and what they do for you…Liability- Pays what you owe because of injuries and property damage you cause.Uninsured Motorists (UM)- Pays you if you are injured by a driver who does not have insurance.Underinsured Motorists (UIM)- Pays you if you are injured by a driver with too little insurance to fully compensate you for your injuries.Personal Injury Protection (PIP)- This is the primary coverage in no-fault insurance states (there are 12 of those). It pays you your medical bills and loss of income after a car accident. In some states with fault insurance systems, it is offered as an optional coverage.Medical Payments (Med-Pay)- Pays you for medical bills incurred as a result of a car accident.Collision- Pays to repair your car if it is damaged in a collision with another car or an object.Comprehensive- Pays to repair your car if it is damaged as a result of specified causes other than a collision, such as theft, vandalism or accidental glass breakage.Towing- Pays you for the cost of towing your vehicle when it is disabled.Rental Reimbursement- Pays the cost of a temporary rental car while your car is being repaired.So, which 2 are absolutely essential?Liability InsuranceThe first is liability. If you cause a car accident, this coverage pays others that you harm. If you don’t have this insurance, you have to pay for the harm that you cause out of your own pocket.This means that if you are daydreaming for a moment or briefly look at the dials on your car radio and don’t see that the car in front of you has stopped…and you ram into it…you are responsible for paying for the damage that you caused. You have to pay to repair that car and you have to compensate anyone who is injured.That’s why you have liability insurance, so you won’t have to pay what could be a very large amount yourself. Up to your policy limit, your insurance company will pay for damage that you do and harms that you cause.This is a no-brainer, right? After all, isn’t liability insurance required in every state?Almost. Forty-eight states require you to have liability insurance. (To find out which states do not require liability insurance, read to the end of this article.)So, don’t be tempted, as many have been during the current economic problems, to cancel your car insurance and take your chances. It’s not a good gamble.Not only should you keep your liability insurance coverage, but you should make sure that you have enough coverage.You want to make sure that any harm you cause is fully paid for, don’t you? If you seriously harm another human being, don’t you want to make sure that they are fully compensated? Isn’t that simply the right thing to do? And, of course, this coverage protects you against having to pay a potentially large court judgment yourself.How much liability insurance you need varies depending on your circumstances. The state minimums are entirely too low. If you can afford it, I think you should have at least $100,000 of personal injury liability coverage and $50,000 of property damage liability insurance (this pays for cars and other property that you damage).Discuss the “how much” issue with an insurance agent you trust.Uninsured Motorists and Underinsured Motorists CoverageIf you are in a car accident that someone else causes, uninsured motorists coverage and its cousin, underinsured motorists coverage, could save you from a disaster.Remember, uninsured motorists is the coverage that pays you if someone without insurance harms you or your family, or damages your property. This includes hit-and-run drivers.Are you wondering why uninsured motorists coverage is so important if all drivers (except in those two as-of-yet unidentified states) are required to have liability insurance?It’s because, even though the law of almost every state requires liability insurance, many drivers simply don’t have it.According to an Insurance Research Council study, as of 2004, nearly 15% of all drivers on the road were uninsured. And in some states, including Mississippi, California and Arizona, roughly a quarter of drivers weren’t insured!To make matters worse, it is estimated that several hundred thousand drivers have dropped their insurance in the past year as the jobless rate has climbed and the economy has tanked.In about half the states, uninsured motorists coverage is required. Even if it isn’t, my advice is…get it!And get as much uninsured motorists coverage as you can afford. In many states you will be limited by the amount of liability insurance you have. That is, you will be able to purchase as much uninsured motorists coverage as you have liability coverage, but no more.In some states, uninsured motorists coverage also serves as underinsured motorists coverage. In other states, they are separate coverages. Underinsured motorists covers you if you or your family are harmed by someone who has insurance but doesn’t have enough of it.For example, if someone causes an accident and your losses total $100,000 yet the driver who caused the accident only has $15,000 of liability insurance…and no assets of his own to pay you…you are out of luck unless you have underinsured motorists coverage. If you have this coverage, it pays what the other driver can’t…up to your policy limit, of course.According to a recent article in the Wall Street Journal, adding uninsured and underinsured motorists coverages to your policy will raise your insurance premium by about 7 – 9%. Based on my experience, this is a small price to pay for this coverage which can save the day if you are clobbered by a financially irresponsible driver.In today’s economy, with more and more drivers canceling or stripping their car insurance coverages to the minimum, it is critically important that you have uninsured and underinsured motorists coverage on your car insurance policy.I hope this makes car insurance coverages a little more clear.Oh…the answer to the question is that only New Hampshire and Wisconsin do not require car insurance. Instead, they require drivers to show proof of their financial ability to pay damages for liability.
Any machinery with moving parts like a car can develop faults at any time and a car repair loan can come in very handy if you don’t have the requisite amount of money. Sometimes, the vehicle repair can cost up to a few thousand dollars, depending on the extent of the damage. Moreover, there might be a major breakdown of the vehicle or you might need money for insurance deductibles and in all such cases a car repair loan can really prove to be a savior. You can also use such car loans for other purposes such as for sprucing up the look of the the car which appears dented due to an accident which might not be covered by insurance.Car Repair Loan RatesThe current prime interest rate is normally applicable for loans for car repair except in the case of those who have a poor credit rating in which case it will be higher than the prime rate. It is always a good idea to do a little bit of research on the Internet and look for lenders who offer cheap car loan rate. Interest rate on any loan is the prime factor that affects the amount of the monthly payment, which in turn determines the ability of the borrower to repay the loan on time. As such, it is of vital importance that you try to search for a car repair loan with minimum interest rate.Importance Of Savings For A Rainy DayAlthough you might not need more than a few thousand dollars for repairing your car, the whole process of getting a car repair loan and paying it off on time is very cumbersome and prone to risks. A simple solution to avoid such situations is to build up your savings gradually by putting away a small amount of money every month towards your savings fund. This money can be used whenever you face any kind of emergency like the breakdown of your vehicle. You can always take a part car repair loan and add some of your savings to tackle the situation.When your car meets with an accident or if there is a sudden breakdown, you would have to either delve into your savings or get a car repair loan in order to get it repaired as soon as possible. However, the biggest problem that you would face is you will not have your car with you to take you to work or other places until it is repaired. In such a case, you might have to rent a car so that you can attend to your job responsibilities. As such, you would also have to make provision for car hire expenses. So, be careful not to cause the bump to your car.
Finding car repair services that are trustworthy and efficient is not easy these days. For someone like me whose basic knowledge in automotive is limited to turning on the engine and shifting gears, I get scammed more often than not when my car break down… not until I found a Utah car repair shop.Only the Utah car repair services can provide the best repair and maintenance for my car. Repairing cars is a complicated matter to be done personally. Even if you have the time but you don’t know much about them, you can just end up with additional costs. Iif by any chance that you are succeed at doing the repairs yourself, there’s really no assurance that it won’t break down again for the next 2 days.Consulting and getting the services of a Utah car repair shop has assured me that I won’t experience the same problem with my car. This, I have proven countless of times.Other than basic engine repairs, a Utah car repair shop also provides the best auto body repairs and enhancement. As a matter of fact, it’s the best Utah auto body shop. The Utah auto body shop has excellent services that are very useful in maintaining your car’s beauty and condition. I had them work on major repainting and interior maintenance for my car.The Utah auto body shop once repaired my car’s body after a fender bender. When I saw the result of the repair, I could hardly believe how my car looked like. Yeah, it surprisingly looked brand new, with the gleaming windows and flawless exterior. The dents and scratches on the surface were all fixed with a trace.I was wondering how they did that. I asked some of the employees of the shop, out of curiosity. The employees were kind enough to share with me their secret. They told me that unlike other car services, they use state of the art equipment in repairing cars.They also use high tech and industry leading paint mixing system, which explains how my 2-year-old car looked brand new after the process. The same process works for cars with special designs and logos.A Utah car repair shop’s excellent and diverse services are the very reason that made the Utah auto body shop the top car repair and detailing service. You can never compare their service to other car services out there. If you won’t believe me, then you better try their service and see the difference!