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How to Prepare Your Car for a Winter Storm

01/24/2024 18:16
Winter storms can be treacherous for drivers. Slick roads, poor visibility, and extreme cold can make even a routine drive dangerous. Preparing your car properly before a winter storm hits can give you peace of mind and help ensure safety on the road. Follow this winter car care checklist and you’ll be ready to take on whatever Old Man Winter throws your way.Check Tires and Tire Pressure Inspect all tires, including the spare, for adequate tread depth—replace any that are worn. The minimum recommended tread depth for winter driving is 4/32 of an inch. More is better.Check tire pressures. Make sure they’re set to the vehicle manufacturer's recommended inflation pressure, which is usually located on a sticker inside the driver's side door or in the owner's manual. Properly inflated tires will give you better winter traction.  Consider special winter or all-season tires. These provide exceptional cold-weather performance over summer tires in snow and ice conditions.Top Off FluidsEngine oil: Helps the engine turn over easily in cold weather. Check the dipstick and top it off if low.Coolant: Prevents engine freeze up and allows heat to flow from the engine to warm the interior. Should be filled to the “Full” line on the reservoir.Gas tank: Always keep the tank at least half full to avoid gas line freeze-up.Washer fluid: Fill with no-freeze washer fluid. This will prevent ice from forming on the windshield.Inspect Battery and CablesCold weather is hard on car batteries. Have the battery tested to ensure it can hold a full charge. Replace if necessary.Check cable connections for corrosion and tighten if needed so power can flow freely between the battery and starter.Clean corroded battery terminals with a wire brush to optimize electrical flow.Check Wipers and DefrostersMake sure all defrosters and heating system components work properly. Running the air conditioner for a few minutes in defrost mode helps ensure proper lubrication of seals to prevent cracking. Examine windshield wiper blades and replace any that appear worn, twisted, or otherwise damaged. Refill wiper fluid reservoir with winter formula fluid.  Prepare an Emergency KitIn case you get stranded or stuck, every vehicle should carry a winter storm emergency kit including:Flashlight with extra batteriesJumper cables Basic toolkit First aid kitBlanketExtra hats, socks, mittensBag of abrasive material (sand, salt, cat litter) ShovelSnacks and bottled waterExternal phone charger/backup batteryPractice Cold Weather DrivingDuring the first snowstorm, practice stopping and turning in an empty lot to reacquaint yourself with how your vehicle handles on snow and ice. Turn slowly to avoid skids.Increase following distance from other vehicles 8-10 seconds to allow for extra stopping time.Know what to do if you begin to slide. Take your foot off the gas and steer gently in the direction you want the front of the car to go. By inspecting your vehicle, replenishing fluids, testing the battery, ensuring good visibility, and preparing an emergency kit before winter storms hit, you can drive with confidence no matter what kind of punch Old Man Winter throws your way this year. Stay safe out there! GET A QUOTE IN 60 SECONDS
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How to Feel Confident As a Car Owner

09/21/2023 15:16
Cars are expensive investments. From the initial down payments to the monthly payments to gas and insurance, we spend a lot of money to keep them on the road. So it’s important that we feel confident as drivers and as car owners. You don’t need to know where every bolt is on your car, but it’s important to know the basics so that you can feel confident on the road and confident as a car owner.   Here are the basics that every car owner should know and how you can gain confidence in your car.What information should I know about my car? The make, model, and year.Every owner should, at the very least, know the make and model of their car, as well as the year it was manufactured. Everything about your car’s maintenance will depend on this information. While cars all generally work in the same way, the specifics of the inner workings will vary greatly from manufacturer to manufacturer, from model to model, and even from year to year.  The mileage.While you don’t need to know the specific odometer reading at any given moment, you should have a general sense of how many miles your car has on it. Maintenance schedules are heavily dependent on the mileage of our car, so knowing this information will keep you on a maintenance schedule and keep your car running well. The maintenance schedule.You don’t need to have your car’s maintenance schedule memorized, but you should keep a few things in mind. Check your owner’s manual to determine how often you should change your oil, rotate your tires, and replace vital parts such as timing belts.  The recommended tire pressure.The only thing that separates your car from the asphalt below are your tires. It is important for your safety and the safety of others that your tires are in good shape. This means making sure there is good tread and that the tire pressure is properly maintained. The recommended tire pressure will be listed in your owner’s manual as well as in the door jam. You should make a habit of checking each tire’s PSI once a month to ensure they are properly inflated. The VIN The VIN, or Vehicle Identification Number, is like your car’s social security number. It is a unique ID for your car that is 17 digits long. You don’t need to memorize it but you should know where it is located because you will certainly need this information at one time or another. You can find this number on the driver’s side windshield where it meets the dashboard. What information should I know about my car loan?In addition to knowing basic information about your car, you should also know basic information about your car loan. You should know:The lenderYour monthly payment amountYour payment due dateThe interest rateThe repayment period (i.e. when the car loan will be paid off) You should also know what the policy is for late payments and what fees you may owe if you are late. It is important to stay on top of your car loan payments to avoid fees and even repossession down the road. How can I be more confident behind the wheel?Becoming a confident driver takes time. Even if you have driven other cars before, each new car requires you to get familiar all over again. Car’s vary greatly in size, visibility, and how high off the ground you are, and these differences can change your driving style and your confidence.  #1. Practice.Like anything, practice is key. When you get behind your new car it will take time to adjust and acclimate yourself, so the more time you spend behind the wheel the better off you will be. This doesn't mean you should take your car out for a three day road trip the first weekend you have it, but going out for frequent trips will help you gain some confidence. #2. Learn where everything in your car is.The location of controls will also vary from car to car. You should know what every button on your dashboard does, from where the hazards are to where your fog lights are located. You do not want to be searching for these in the moment when you suddenly realize you need to pull over or realize your visibility isn’t great.  #3. Ditch the distractions.While some people find some music or conversation to be relaxing while driving, these things can be distracting when you are unfamiliar with a new car. Reducing the amount of distractions will help you to focus on the road and help you get more comfortable driving. This means leaving the passengers at home while you gain some confidence. #4. Check your mirrors.Before you even start your car you should check your mirrors. You should be able to see well out of every mirror so that you can drive your car safely. If you have a backup camera, which most new cars do, make sure you can see out of that well. Sometimes the cameras get dirt or water on them which can hurt the visibility. #5. Check your seat position. Every driver has a different preference on their seat position while driving. Some people like to sit upright and closer to the steering wheel while others like to sit back a little more and drive with a more relaxed posture. It is up to you to decide what is more comfortable for you, and trying out some different positions may help you find what is best for you. #6. Don’t worry about other drivers. This doesn't mean “don’t pay attention to other cars on the road”. This means do not get worried if you feel that you are driving too slow or taking a bit too long to park. As long as you are obeying the speed limit and following the law you are allowed to drive at your own pace. If you get too distracted or worried about other drivers you may make a mistake or even get into an accident, and that will certainly not help your confidence behind the wheel.That’s how you can feel confident as a car owner. Basic knowledge about your car and car loan as well as some experience behind the wheel will help you become a more confident driver. Being a confident driver will in turn make you a safer driver and will also make driving more enjoyable for you. If your car loan payments are too high every month, consider refinancing your loan with Auto Approve!  GET A QUOTE IN 60 SECONDS
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Your Guide to Roadside Assistance

08/30/2023 20:35
Nothing can turn a good day into a bad day quite like car problems. Whether it’s a flat tire or an empty gas tank, an issue on the road can quickly derail your plans and ruin your day. But roadside assistance programs are designed to come to the rescue when car troubles rear their head. So how exactly do they work and where can you get one? Here’s everything you need to know about roadside assistance programs.What is roadside assistance?Roadside assistance is an optional service that you can sign up for which can assist you when your vehicle breaks down for a variety of reasons. If your vehicle breaks down your roadside assistance program will send emergency service to you that can assist with whatever the issue may be. These programs can also help offset the cost of the repairs, which can be very costly. What exactly is covered by roadside assistance plans will vary greatly, but here are some examples of what might be covered by your plan:Fuel deliveryElectric vehicle chargingLockout servicesTowingWinchingJumpstartTransportation for stranded passengersShould I get roadside assistance?In general it’s a good idea to have a roadside assistance program to help you prepare for the unexpected. But there are certain people who may find it more necessary than others. You should consider roadside assistance if:You have an older and/or unreliable carYou are unfamiliar with handling car-related emergencies, such as changing a tireYou drive a lot and/or take frequent road tripsYou want the additional discounts and benefits that stand alone policies offerYou like the peace of mind that comes with coverageWhere can I get roadside assistance?If you are looking for a roadside assistance program there are many different places that offer them. Their offerings will vary so you will need to think through what type of plan will be of most value to you. Car ManufacturersWhen you buy a new car many manufacturers will throw in a roadside assistance plan for a set time period. Since these programs are included in your purchase it’s good to take advantage of them, but these plans usually only cover towing to an authorized dealership. Here are some examples of roadside assistance through car manufacturers:Ford: Free roadside assistance up to 60,000 or five yearsHyundai: Free roadside assistance for five yearsToyota: Free roadside assistance for two yearsVolkswagen: Free roadside assistance for three years or 36,000 miles Insurance CompaniesYour car insurance provider may offer a roadside assistance program that you can add on to your premium. For one set added fee you can have all insured drivers and cars covered. It is usually a more affordable option than purchasing a standalone plan, but you must read the fine print to be sure that calls to roadside assistance do not count as a claim. If they do this could result in increased premiums. Credit Card CompaniesMany credit card companies cover roadside assistance as well, but these plans can be expensive. You may call for assistance but you will be charged accordingly, and it may not save you much money. For example Visa will charge you $80 per incident, which you may find to not be very helpful. These policies are better than not having any other coverage but are not full service protections.  Cell Phone CompaniesMany cell phone providers also offer roadside assistance programs that you can add on to your cell phone policy. Verizon and AT&T both offer plans for $3 a month that can offer some assistance, but these policies are similar to those offered by credit card companies. Again, these policies are better than not having any other coverage but are not full service protections. Standalone Roadside Assistance ProgramsYou can also choose to use a company that specializes in roadside assistance, such as AAA, National General Motor Club, and Better World Club. These companies have different tiers of coverage that you can select from, providing different options based on what works for you. These plans also frequently offer additional benefits such as discounts on hotels, restaurants, and fuel stations. Vehicle Protection PlansIf you have a vehicle protection plan you may also be covered for roadside assistance. For example if you refinance your car with Auto Approve you can add on a vehicle protection plan for a low monthly fee. If your car breaks down you can get 24/7 roadside assistance, courtesy towing, and even have your rental car reimbursed, and it is all covered by your protection plan.What should I look for in a roadside assistance plan?There are a lot of companies that offer roadside assistance, so you want to do your research and make sure you are covered for what you need. Here are the questions you should ask. Do I already have roadside assistance?It may be possible that you already have some coverage when it comes to roadside assistance. If you recently bought your car, check the sales agreement and warranty information to determine what is covered. You should also check your credit card agreement and your cell phone carrier agreement as they may offer some coverage. How much does the plan cost and what is covered?Roadside assistance plans can vary greatly in cost. They can be as little as $5 or $10 per year and can stretch well over $100 per year. Look at the cost of different tiers and what is included in each. You need to compare the cost in conjunction to comparing the services offered. How many claims are you allowed?Some roadside assistance plans will allow an unlimited number of calls, while others may only cover three. You may have to pay an additional fee after you reach your threshold.  Does your coverage extend to other cars and to other drivers?If someone is driving your car will they be allowed to use your roadside assistance plan? If you are driving someone else’s car will you be allowed to use your roadside assistance plan? It’s important to have a clear understanding of what–and who–is covered. That’s everything you need to know about roadside assistance programs.  It’s a good idea for most people to have some sort of protection plan, whether it is a free program through your credit card company or a paid plan through AAA or another standalone company. And if you refinance your car loan through Auto Approve you can add on a vehicle protection plan to keep you safeguarded from the unexpected. So if you are ready to start saving money and get an emergency roadside assistance program, contact Auto Approve today!GET A QUOTE IN 60 SECONDS
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What Truck Should I Buy?

08/17/2023 02:59
Having a pickup truck is more popular now than ever before, and with good reason. While they used to be utility vehicles that were primarily used for work, these vehicles are now equipped with all of the luxuries that come with high end cars. They have more comfort and convenience than ever before, but are still able to do the heavy duty work we need. With so many options on the market, how do you know which truck is right for you?Here’s your ultimate guide to buying a truck.Are there different types of pickup trucks?All pickup trucks are not created equal. Some are economical and good on fuel, while others are workhorses designed for lugging and towing. They are generally broken down based on size, but within each category there are lots of options. From engine size to seating capacity you will find many trucks to choose from in each truck size category.Compact Pickup TrucksCompact trucks are the least expensive way to get into a pickup truck. They are, well, more compact than full size trucks and therefore get better gas mileage and are great for commuting. While they can’t handle serious hauling, they are great for when you need a bed for lugging around weekend projects. Compact Truck Examples: Hyundai Santa Cruz, Ford MaverickMid-Size TrucksMid-size trucks bridge the gap between compact and full size trucks. They can handle a similar tow load as a full-size truck but weigh significantly less, which means that they are easier to handle and get better gas mileage. Mid-size trucks are not as popular as full-size trucks, but they are actually a great option for many people. Mid-Size Truck Examples: Toyota Tacoma, Ford RangerFull-Size Pickup TrucksFull-size trucks are the most popular trucks and account for the largest share of truck sales.. They are powerful, long-lasting, and incredibly versatile. They appeal to a large group of people and with today’s latest safety features and passenger amenities, they are great family cars as well. Full-Size Truck Examples: Ford F-150, Ram 1500, Chevy SilveradoHeavy Duty Pickup TrucksHeavy duty trucks are true workhorses and have an incredible payload and towing capabilities. They are larger than full-size trucks and are built as work vehicles, not as commuters.  Heavy Duty Truck Examples: Ram 2500, GMC Sierra 2500What factors should I consider when choosing a pickup truck?When deciding which truck is right for you, there are a number of factors that you should consider. The Cab Size One of the most important factors to consider is the size of the truck’s interior. Do you need to fit the family, or is a smaller cab ok since it’s a work truck? Trucks can have four different cab styles that offer different seating and storage options.Regular Cab: Two doors, one row of seating.Extended Cab: Two or four doors, two rows of seats. The back two doors are typically smaller than the primary doors. Crew Cab: Four full size doors, two rows of seating.Extended Crew Cab: Four full size doors, two rows of seating, plus extra storage. The Bed SizeThe bed is the reason most people want a truck. You can lug around whatever you need without worrying about cramming it into a car or SUV. But there are a lot of options when it comes to bed length. The cab size you pick may lock you into a certain size bed however. Full-size pickup trucks typically have a 6-8 foot bed. As the cab becomes bigger, the bed tends to shrink. Compact pickups typically have 4 ½ to 6 foot beds. When deciding what truck is right for you, determine what you will use the truck for and if it’s large enough to lug what you need. Engine SizeWhen we talk about truck size we also have to consider the engine size. Truck engines range from small four cylinder engines to large diesels and run the gamut in between. The smaller the engine, the better your gas mileage will be (the Maverick Hybrid averages 37 mpg according to Consumer reports). Heavy duty trucks that are built for handling large payloads are heavier in general and may only get around 15 mpg.Payload and Towing CapacityIf you need your truck to do some serious work you need to consider the payload and towing capacity. These are two separate capacities that account for different things. Payload Capacity: The amount of weight that can be added to the truck’s cargo area.Towing Capacity: The amount of weight that the truck can tow. Both capacities have to account for the weight of the truck as well. There are many factors that affect these capacities, including the engine size, the rear axle ratio, and the size of the truck.  A small truck may only have a payload capacity of 1500 pounds, while a heavy duty truck may have a payload capacity of 8000 pounds.  Compact trucks can typically haul between 5000 and 7000 pounds, while heavy duty trucks can haul over 30,000 pounds. Manufacturers often offer add-on packages that can increase your towing capacity significantly.  Safety Safety should always be a top priority when deciding which truck is right for you, especially if you are using your truck as a family vehicle. There are a lot of features that come standard with pickup trucks and other options that you can add on to make sure that your truck is safe for you and your loved ones. Forward collision warningBlind spot detectionAutomatic emergency brakingLane departure warningWhat is the average price of a pickup truck?Trucks are getting more and more expensive every year. In fact, according to Kelley Blue Book, the average transaction price for a new truck was $59,000 at the end of 2022. So how did these no frill work vehicles become one of the most expensive options available?  Answer: they became more powerful and more luxurious.  In the 1980s all trucks were small or midsize. By 2010 there was a huge shift to full size trucks. Pickup trucks used to be called “half ton trucks” because they could typically carry 1,000 pounds of people, cargo, and trailer weight. But trucks are now designed to carry much higher payloads and tow more. They are heavier in general to accommodate for this and have more powerful engines to perform better. Consider the Ford Super-Duty F-250 which can haul 4,000 pounds and to up to 23,000 pounds. It has a 6.8L V8 engine and has 430 horsepower to achieve this.  On top of this, trucks have been designed to drive better. The rickety manual transmissions have been replaced with some of the strongest transmissions ever designed, such as the Chrysler TorqueFlite A-727 and the Allison 1000. They replaced basic leaf spring suspensions in favor of coil suspensions making them a much nicer ride. More powerful engines, state of the art transmissions, and costly suspensions would all add to the price tag on their own. But they are also more luxurious and convenient for passengers with added features that you used to dream about seeing. Some of these features include:Heated and ventilated seatsPower adjusted front and rear seatsWireless device chargingAdaptive headlightsAmbient lightingMassaging seatsParking sensorsReal wood paneling, leather seating, and giant large screen infotainment systems are common in today’s best selling trucks. How do you know if I can afford a truck? If you want to get into a brand new truck, it’s possible to do so and stay within your budget. The key is shopping around and finding a truck that has an affordable base price. You can find a Ford Maverick starting for under $23,000, making it the most affordable base option on the market. But if your budget is a bit bigger, there are several contenders for under $40,000, such as:2023 Ram 1500 Classic Tradesman/Express 2WD Regular Cab2023 Ford F-150 XL 2WD Short Bed Regular Cab2023 Chevrolet Silverado 1500 Work Truck 2WD Short Bed Regular Cab2023 Ford Ranger XL 2WD SuperCab2023 Toyota Tacoma SR 2WD Access Cab Keeping an affordable trim level (that means no wood paneling or leather seats, unfortunately), skipping on some of the optional infotainment amenities, and keeping the engine size on the smaller side will all help to keep your truck within your budget. As always, shopping around for deals, rebates, and incentives will help make sure you get the most bang for your buck.That’s everything you need to know about buying a new truck.There are lots of options on the market when it comes to buying a new truck. But whatever your needs are there is surely a truck out there for you.  If you already have a truck but need some help with the monthly payments, Auto Approve can help! Refinancing your loan can save you hundreds if not thousands every month. So what are you waiting for? GET A QUOTE IN 60 SECONDS
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10 Questions to Ask at the Dealership

08/08/2023 00:55
Buying a car is exciting, but it’s easy to get carried away in the moment and forget to ask all of the questions that you need to ask. New cars are expensive, so you want to be sure that you get the best deal possible while still getting the car you truly want. Here are 10 questions you need to ask at the dealership.Question #1: What is the MSRP, and what is the final sale price?The MSRP, or Manufacturer’s Suggested Retail Price, is the sticker price of the car that you are looking at. This will include the trim level, the entertainment system, and the safety features. The MSRP is not the final sale price however. The final price will also include additional fees (such as transportation fees and marketing fees). Additionally you will have to pay for registration and for sales tax, so keep that in mind when deciding if a car is within your budget or not.Question #2: Does it come with a warranty, and what does that include?A major benefit of buying a new car is that it will usually come with a warranty. Factory warranties will differ from manufacturer to manufacturer, so you want to be sure you understand exactly what is covered and what you will be responsible for paying out of pocket. Some warranties will include maintenance such as oil changes for the first few years as well. Getting a detailed description of the warranty plan will help you make an informed decision when buying your car.Question #3: Can I take it for a test drive?You should always test drive the car you want to buy. And in most cases this is encouraged. It might not be the exact car you will take home, but a test drive can give you a good feel for how a car drives and how good of a fit it is for you. Car dealers usually like test drives as it provides another chance for them to sell you the car and show you all of the features that can help them seal the deal. Ask them if you can take the car on the highway as well so that you can get a realistic feel for how a car drives.Question #4: What additional features are available? You should also ask what type of add ons are available for the model you are interested in. Do you have your heart set on a moonroof or sunroof? Is there an entertainment system feature that is particularly important to you? What about trim level upgrades, safety features, and security features? Most cars these days have a lot of upgrades to choose from, so you should have plenty of options, but it's good to be sure that anything that you really want is available before getting too far into negotiations. Question #5: What incentives do you offer?Incentives are limited time offers that dealerships will include to sweeten the deal for you. An incentive may be a rebate (we talk about that later), or it could be any of the following offers:Lowered interest ratesZero percent financing for a certain period of timeUpgraded accessories or add onsMaintenance perks such as free oil changes or tune upsExtended warranty periodAnd more Incentives can tip the scale for you and help make a decision one way or the other.Question #6: Are there any manufacturer rebates available?A rebate is a specific type of incentive that is offered from the manufacturer to encourage a sale. A rebate is a money back offer that will lower the purchase price of the car. It can either lower the total sale price or it can be applied to the down payment to reduce the amount you will have to pay upfront. There may be specific requirements for a manufacturer rebate, such as having a certain credit score. You may need to finance through the dealership to qualify as well. But it’s good to have all of the numbers in front of you so that you can make an informed decision. Question #7: Are there tax credits available with this car?If you are looking to buy an electric vehicle there may be tax credits available. A qualified plug-in EV purchase can get you up to a $7500 tax credit, which might help you make a final decision when it comes to which car is right for you. Question #8: Is there room to negotiate on the price?You should always try to negotiate when buying a new car. Whether it’s trying to reduce the overall price of the car or negotiate some of the fees that are added on, see if the dealer is willing to work with you on the price. It helps to come prepared with information such as the Kelley Blue Book value of the car and some other pricing from competitors . Question #9: Can I trade my car in?If you have a car that you are looking to get rid of, a trade-in might be the best option for you. Not only can you lower the price of your new car, but you can save yourself the hassle of selling your old car. If you decide to trade your car in, be sure to negotiate the trade in amount separately before negotiating your new car purchase. They should be treated as two separate transactions.  Question #10: Can you beat my pre approval loan? We always recommend getting pre-approved for a car loan before you ever step into a car dealership. Getting preapproved will help you in a few ways:It gives you a firm idea of what car you can affordIt alerts you to any financial issues ahead of timeIt makes you look like an experienced and serious buyerIt gives you more negotiating power When you have a financing offer in hand you can simply ask the dealer if they can do better than the loan offer you already have. If they can, then great! You are getting a better deal than you would have in the first place. If they can’t beat the offer then you already have a good car loan option available to you. Getting pre-approved is a win-win when you are buying a car. Those are the ten questions you need to ask at the dealership.Don’t let the excitement of buying a new car get the best of you. Instead, do your research, bring in your questions, and stay level headed to ensure you get the best car and the best loan possible.  If you already have a car loan, there’s a good chance you are overpaying every month. Contact Auto Approve today to see how much money you can save by refinancing!GET A QUOTE IN 60 SECONDS
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Driving Accessibility Guide: Finding the Right Car For You

07/25/2023 02:29
If you have a disability, driving may feel like a daunting task. But it’s important to keep in mind that you are not alone. After all there are more than 25 million people living in the United States with a travel limiting disability. But manufacturers today are taking great steps to become more accessible and more inclusive so that drivers of all types can use and enjoy their vehicles. Here’s how you can find the perfect car for you that is equipped with any equipment you may need.Here’s how to find the perfect car if you have a health condition or disability.Can I drive with a disability? You can absolutely drive with a disability, and this right is protected by the Americans with Disabilities Act. A Department of Motor Vehicles cannot deny a driver's license based solely on a person’s disability. Drivers may need to make modifications to their vehicles to make their car safe and they must alert the state of their disability, but if you have a health condition or impairment you are still legally able to drive. You should always get the ok from your doctor beforehand though to ensure your health and safety.  If you are driving with a disability for the first time, it’s important to safely determine what you will need help with and what facets of driving may pose an issue. Taking a driving class will help ensure you have the tools that you need to drive safely. You will need to take practice and take your test with a modified vehicle and your DMV may need time to secure the correct car. Getting some experience behind the wheel of a converted vehicle will help you feel more confident in your driving and also help you determine what type of vehicle and modifications you will require. What adaptive equipment does my new car need? Buying a new car that is specifically designed for you may cost you a significant amount of money. But it is hard to beat the technology that today’s new cars offer. Many car manufacturers have teams that can meet with you, assess your needs, and help get you into a car that is safe for you to drive. These experts will assess the following: VisionHearingJudgment and decision making skillsProcessing skillsMuscle StrengthCoordination and reactionMedical historyAbility to get in and out of the vehicleAbility to operate the vehicle with adaptive equipmentSafety habitsStress management By assessing all of these factors they can help you determine which adaptive equipment makes sense for you. They will then help you determine what type of vehicle will work best for you: a car, SUV, van, or truck. Vans usually allow for the most amount of modifications and will be a great option for many people. New cars may feature the following adaptive features:Seat belt adjustmentsRampsSafety barsSafety strapsSwivel seatsHand controlsWheelchair liftsWheelchair securementsAnd more When dealerships determine what modifications to make to the car, they will install them so that your car is complete and ready to go when you pick it up.  Another advantage of buying a new car is that it is equipped with the latest technology. Not only will this technology keep you safe while you are driving, but it can even help monitor your health. Mazda is working on their Co-Pilot technology which monitors your health and will take over driving if your health declines rapidly. It will pull you over safely to the side of the road if you suddenly suffer an incapacitating crisis such as a seizure, heart attack, or stroke.  The price tag on a new van with advanced accessibility features can be quite high. For example, a new, full size wheelchair accessible van will run you north of $120,000. There are grants, loans, and funding that can help you pay for these vehicles, but it will still cost you a pretty penny. For many people, modifying a car that they already have will make more sense financially and be a more practical option.How do you modify a car for a disabled person?If you are looking to modify a car to drive with your disability, it can be a more affordable option. Your vehicle will need to qualify as an adaptable vehicle, so do some research beforehand to determine if your car can be modified to accommodate your needs.  The same modifications listed above for new cars can be made to existing vehicles, so long as the vehicle is capable of medications. If you are not buying a new car you should still consult with an occupational therapist to determine what modifications you should make to your vehicle. They can do an assessment of your health and skills and determine the best features you should add to your car. They can also recommend a reputable installer for these modifications. Having your car modified is still not cheap. Modifications can easily cost over $80,000 depending on what you need to have installed.How can I pay for modifications?If you need to have modifications made to your vehicle to make it accessible and safe to drive, there are grants that can help you pay for the added expenses. In most cases your medical insurance will not cover the expenses associated with modifying your vehicle. Your car insurance will also not help cover the cost of modifications. It will be up to you to apply for grants that can help you make the modifications necessary.  US State GrantsYour state will most likely offer some grants to help pay for vehicle modifications. They are usually funded by state veterans associations and accessibility advocate groups.  US Federal GrantsYou may be eligible for a federal grant for your vehicle modification as well. If you are a veteran, the Veterans Administration offers tax free funds of $22,355 for former service members in need. If you are on Medicare Part B you may have up to 80% of necessary medical equipment covered.  Private GrantsYou may also be able to apply to private organizations for a grant that will help cover your expenses. There are many organizations out there that can help you with funding, but it is recommended that you reach out to them directly to ensure that you qualify and that you apply correctly. Some grants may require that you reside in certain states or have certain qualifying health issues. If you do qualify for a grant, be sure to get the amount they will fund in writing before you buy your new vehicle or make modifications. Certain grants will stipulate that the money may only be used for modifications and not for the purchase of a new car. Here are some of the grants that are available nationwide.  The Alynn Family FoundationBrighter Tomorrow GrantBryon Riesch Paralysis FoundationCenter On Technology And DisabilityHelpHOPELiveJoni And FriendsJoseph S. Bruno Charitable FoundationKya’s KrusadeThe Malone Family FoundationMuscular Dystrophy AssociationNational Organization For Vehicle AccessibilityRESNA Catalyst ProjectSpecial Kids FundSpinal Cord Opportunities For Rehabilitation EndowmentThe Reeve FoundationVocational RehabilitationLoansThere are also loans available to help you buy a new car or modify your existing car. These mobility vehicle loans can help you borrow additional money that will allow for not only a new car, but a new car with the proper accessibility modifications. Bank of America and IMS are just two of several banks that provide loans for modifications. That’s what you need to know about buying a car with a disability. Driving with a disability can feel daunting at first, but there are many pieces of accessibility equipment that can make driving safe, comfortable, and enjoyable. But it’s incredibly important to make sure that you have an assessment from an occupational therapist to determine the safest way for you to drive. They will have the resources to guide you through getting the proper equipment and can even help point you in the direction of grants and loans to help you pay for it all. Carmakers are working hard to get autonomous driving cars on the road. They have long hailed this technology as an equalizer that will allow people of all abilities to get around safely. While this will hopefully happen in the future, people with disabilities will have to depend on the equipment available to them now to get around safely. If you are drowning in car payments, call Auto Approve today to see how refinancing can help you! Our experts can determine if you qualify within minutes and help you through the application process. The result? A lot more money in your pocket every month. But don’t just take our word for it. Our 4.6 out of 5 rating on TrustPilot and A+ rating from the Better Business Bureau tells you that we get results.So don’t wait–contact Auto Approve today and start saving!  GET A QUOTE IN 60 SECONDS
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Here's What Cars Will Look Like in 2050

07/24/2023 18:49
Technology is advancing at an incredible speed. When we think of futuristic cars, we often think of the flying cars that zoomed around in episodes of The Jetsons. But what does the future of cars look like now as we stand in 2023 and look ahead 25 years? Here’s what cars will look like in the not too distant future of 2050.What is the next technology for cars? Automotive technology is largely centered around vehicles becoming more electric, more connected, and more autonomous. New cars will need to focus on becoming less dependent on fossil fuels as new rules and regulations are quickly imposing emissions bans. The cars of the future will allow us to drive, or simply ride as passengers, in comfort and in style.What will cars look like in 2050?Cars will be autonomous.By 2050, cars will almost certainly be self driving and powered by AI. Experts in the field of embedded technology predict that autonomous driving will create $300 to $400 billion in revenue in the next ten years. While this technology still makes many people nervous, studies have found that over 94% of car accidents that occur globally every year are caused by human error. While the numbers are still out on how many accidents would be caused by automated vehicles, there may be some significant safety advantages to autonomous driving. Avatars will drive us and we will immerse ourselves in whatever we choose.Many tech experts envision AI generated holograms that will serve as drivers for us. These avatars will look like people and be able to interact with us as if they are human. While they chauffeur us around, passengers will be free to do whatever they like. If you prefer a quiet time to catch up on work, the technology will be there to support you. Manufacturers are already showcasing 30 inch display screens with 8K  resolution. If gaming is more your style, engaging in VR during your commute will be hassle free. Headsets will be a thing of the past as holograms project your game all around you, allowing you to immerse yourself entirely in entertainment. If relaxation is what you are after, your car can easily transform your car into an immersive oasis. The cars may be flying.While it’s probably unlikely that most cars will be airborne by 2050, the technology will almost certainly be there. Morgan Stanley has predicted that the flying vehicle industry could be worth $1.5 by 2040. As of now there are no flying cars in production, but there have been several prototypes and in 2021 the first consumer flying car showroom opened its doors in Los Altos, California. In July 2023 a California startup by the name of Alef Automotive received certification from the Federal Aviation Administration to test a fully electric vehicle that both fly and drive on standard roads. Everything will be connected.Today's cars are connected to nearly everything, but the cars of the future will be connected to absolutely everything. A key component of autonomous driving is that these vehicles are constantly fed information. Cars will be connected not only to weather services and service stations but also to road signs, other vehicles, and buildings. While the technology for these connections exists, the infrastructure does not exist yet. By 2050 our world may be more equipped for this type of connectivity.Our cars will be whatever color we choose, whenever we choose.In 2022 BMW showcased a new color changing paint that will allow you to change the color of your car, and possibly create a pattern, by simply pressing a button. While the colors are currently limited to black, white, and gray, this will most likely expand and allow people to personalize their car based on not only their personality, but their mood on any given day as well. The paint uses millions of microcapsules that when negatively charged become white and when positively charged become black. The durability of this paint is also unknown at this point, but the concept and technology are incredibly exciting to the future of car exteriors.  Our cars may display advertising on the outside while allowing occupants to look outside.Nextgen Nano has recently made a breakthrough in transparent OLED technology which will allow screens to work like two way mirrors. Passersby may only see an advertisement for something when they look at your window, while you will see everything outside. This shape shifting glass may be used for glass buildings, buses, trains–anything really. Shape shifting glass also means that information can be displayed in front of you while you are driving, giving you vital information while not requiring you to take your eyes off the road.Will all cars be electric in 2050?By the time 2050 rolls around, most experts predict that gas powered cars will be receding into the past. While the exact number of electric cars on the road varies depending on who you talk to, it is generally agreed that as electric vehicles become more affordable and the infrastructure for it becomes more substantial, electric vehicles will take over. In August 2022 California enacted ACC II (Advanced Clean Cars), a vehicle sales standard that will require all cars sold will have zero emissions by 2035. This law is seen as a roadmap to zero emissions that other states are encouraged to enact so that we can all live in a cleaner world. Seventeen other states–New York, Massachusetts, Vermont, Maine, Pennsylvania, Connecticut, Rhode Island, Washington, Oregon, New Jersey, Maryland, Delaware, Colorado, Minnesota, Nevada, Virginia, and New Mexico–have enacted legislation to help cut emissions, but only five of these states have embraced the strict requirements that California has in place.  If the remaining states enact stricter laws in the next few years, many believe that 75% of cars in 2050 will be electric.  But while the switch to electric cars is being supercharged, it is not without its problems. There are significant disadvantages that may slow down the transition from gas to electric. The following issues will need to be addressed before an electric switch will make sense.Electric vehicles require about 6x more critical materials than conventional cars.The recycling industry is not efficient enough.There is low compatibility with wind and solar.New technology will require more energy to fuel it.The infrastructure for charging stations needs a massive upgrade.Current electric vehicles are expensive. While the cars of the future will be electric, there are significant challenges to overcome. But with technology advancing at this pace, it’s not hard to imagine a future of all electric, autonomous, AI powered cars.That’s what cars will look like in 2050. If you can't look to the future because your current car payments are weighing you down, contact Auto Approve to see how much money you could save by refinancing!GET A QUOTE IN 60 SECONDS
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Should I Buy a Car From a Dealership?

07/17/2023 18:04
Car dealerships used to be the only name in the game if you wanted a new car, but nowadays you have another option: buying a car online. So how can you decide if buying a car from a dealership is the right move for you?Here’s how you can decide if you should buy a car from a dealership.What are the advantages of buying a car at a dealership?Buying a car from a dealership has some significant advantages over buying online. The human element is one of the top advantages, as you can actually talk to a salesperson and let them guide you through your options. You can get advice.Car dealerships have salespeople who can help you immensely if you are unsure on the exact vehicle you want. Even if you know the make and model you want, there are endless options when it comes to upgrades and trim levels. Salespeople can help explain your options and pick out the exact car that will work for you.You can negotiate. Dealerships also provide a way for you to negotiate. When you buy a car online, you are unable to negotiate the price. Everything is cut and dry online, whereas shopping at a dealership will allow you to cut down the sticker price or possibly have some fees waived. You may get a manufacturer incentive. Buying at a dealership means that you may be eligible for manufacturer incentives. These incentives can vary greatly and may include 0% financing, a cash rebate, or equipment upgrade. What are the disadvantages of buying a car at a dealership? There are some disadvantages to buying a car at a dealership as well. Your options may be more limited and you may get swayed into options that you do not want or need. So for some people, buying online may be a more comfortable option. It takes more time.It’s hard to beat the convenience of shopping for a new car from the comfort of your home. Buying a car at a dealership will take much more time and may require multiple trips to multiple dealerships to get the car that you truly want. The negotiation process will take more time as well, as you cannot simply click a button and wait for your car to arrive. You may have less options.When you buy online, everything is at your fingertips. Whatever make, model, color, and options that you want are available to you. This may not be true for your local dealership, which may not even carry the make and model car that you are interested in.  You may get persuaded into something you don’t need.Salespeople earn commissions, so it’s in their best interest to increase the amount you are paying as much as possible. And this may mean that you will get talked into something that you don’t really want or need. It’s much easier to simply go online and select exactly what you want. You may also find that it is more difficult to walk away, even if you know that the car is not right for you.How can I prepare for buying a car at a dealership?If you feel like a dealership is your best option for purchasing a car, there are a number of steps you can take to make sure that you get the best deal (and best car) possible.Do your research.Do not make the mistake of going into a dealership unprepared. You should have a loose idea of what you are looking for (at the very least you should have a list of what you are looking for in a new car) and you should have a loose idea of the price. The more you know about what you want ahead of time, the more you can prepare for the price of the car. This will help you spot if you are being taken advantage of or if a dealer price is fair.  You should also know how much you can afford to pay every month in car payments. Your total cost for transportation (car payments, insurance, maintenance, gas, parking, etc) should never be more than 20% of your total monthly income. Get pre approved.Getting pre approved before you set foot in a dealership will help you in a few different ways. First off, it will show the salesperson that you are serious about buying a car and are prepared to do so. It will also mean that if the dealership wants you to finance with them they will need to work hard to beat your pre approved financing offer.Shop around.Do not go to just one car dealership when you are looking to buy a new car. Going to a few different dealerships will give you some more negotiating power and let you compare offers. Break down your financing into components.When dealerships sell you a car they tend to focus on your monthly financing payments. They want you to focus on your monthly payments rather than showing you the overall picture. But this can get confusing. Monthly payments are largely determined by your repayment period. Any car is affordable if you are given a long enough time to pay it off. The longer that you are repaying your loan however, the more money you will pay over the life of it.  Instead, focus on the out the door price first–the total cost of the car. Try to negotiate your sticker price down in a separate transaction before moving onto how exactly you will pay for the car. Putting a larger down payment will help keep your payments affordable and help ensure your loan won’t become underwater. Be prepared to walk away.Dealerships can be intimidating and there may be a lot of pressure to sign on the dotted line. But you should only sign when you are 100% happy with all of the terms. Make sure that you have the exact car that you want and that the financing terms are fair. Dealers want to pressure you into making a sale because they know that once you leave the dealership their odds of making the sale have decreased significantly. But do not let their pressure sway you into a car and a deal that is not what you want.That’s how you can decide if you should buy from a car dealership or not. There are pros and cons from buying at a dealership, but if you decide to purchase a car that way be sure to do your research and stand your ground. If you are in an unhappy relationship with your current car lender, contact Auto Approve today!GET A QUOTE IN 60 SECONDS
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How to Find a Good Mechanic

07/16/2023 11:48
If you have the know-how and inclination to work on your car yourself, then hurray! While it will eat up more of your time, you will save yourself money and probably a few headaches. But if you are like most of us and don’t have the knowledge or the time (or both), then finding a good mechanic is critical. But how can you find a good mechanic that is reliable, trustworthy, and knowledgeable? Here’s how you can find the mechanic that’s right for you and your vehicle.What are signs of a good mechanic?When we say “good mechanic”, what are we actually talking about? There are quite a few traits that contribute to a good mechanic. They listen to you.When you go into the shop, it is sometimes hard to describe what the problem is if you are not a car person. You may even resort to saying things like “It’s making a ‘clunk’ sound when I turn”. A good mechanic will listen to as much information as you can give them and not dismiss your issues. You know your car and what is “normal” behavior, and a good mechanic will understand this and use your information to diagnose and fix the problem at hand. If a mechanic is dismissive or repeatedly tells you there’s nothing wrong, find a mechanic who will listen. They stick to their word.Cars are essential parts of our lives, and having a car in the shop can really mess up our plans. So when a mechanic says that they will have your car back to you on xxx date, it’s of the utmost importance that they keep their word. Mechanics have busy schedules with lots of cars moving in and out, so it’s easy to see how they can get backed up. But a good mechanic will be sure to give you a realistic date and keep their word. They won’t rip you off.If you are not super familiar with cars, you may not have a great idea of how expensive things are to repair. From the time it takes to fix to the parts that need to be bought, taking a car in for a repair can be expensive. Finding a mechanic that will not take advantage of you can be quite a feat. Doing some research ahead of time to approximate a repair cost can help you determine whether or not a mechanic is being fair in their pricing. They value your business.There are lots of little things that mechanics do to show us they value us as customers. Cleaning up any messes that make and leaving your car in better condition than when you brought it in is a major part of this. If they take the time to explain the issue, recommend maintenance, give you some insight into how you can prevent future issues, and greet you with a friendly face, it’s safe to say they see the value of your business and want to keep you happy.How can I find a good mechanic?If you live in a suburban or urban area there are probably dozens if not hundreds of mechanics to choose from. So how can you sort through and find a mechanic that is right for you? Step #1. Narrow your search to mechanics that specialize in your make.While cars generally all work the same way, they vary drastically from make to make. Mechanics tend to specialize in a few different brands, making them more familiar with the problems your car is likely to have. They will be able to diagnose and fix issues more quickly when they are more familiar with your car. Step #2. Get a recommendation. Friends and family are the best people to lean on when looking for recommendations, especially if they have a similar vehicle. They can give you feedback from their experience, letting you know how reliable and trustworthy a given mechanic is. Step #3. Look online.If you don’t have friends or family in the area or they are not able to help you in your search, the internet is your next best option for research. Services like Google and Yelp can help you find local mechanics and read reviews to determine how good a mechanic is. You should also use Better Business Bureau (BBB) to be sure that the business is accredited and see if there are any reviews or complaints. Step #4. Test them out with some routine maintenance.Once you’ve found a place that you want to check out, try taking your car in for some routine maintenance. An oil change, tire alignment–whatever your car may need. This is a great way to test the waters before a bigger issue comes up with your car that needs immediate attention.  Step #5. Try to learn from them.A good mechanic will talk to you and explain any issues that may come up with your car. Try to learn as much from your mechanic as possible when you can. This will help you become knowledgeable and may help you down the road. Step #6. Leave a review.If you like your mechanic, be sure to leave a review for them so that other people can find a trustworthy mechanic. Reviews help small businesses to grow and help other people in your situation find what they need. Google, Yelp, and Angie’s List are just a few places where you can leave a review. If you are unsure where to leave a review, ask your mechanic if they have a preference on where to start. How can I save money at the mechanic?Going to a mechanic can cost you a lot of money, even if you are going to a reliable and trustworthy one. Cars are expensive to buy and they are expensive to maintain. But there are steps you can take to try to lower your bill. Know if your car is under warranty.If your car is still under warranty you will have to take your car into the dealership or into another accredited shop for it to be covered. But if your car is not under warranty, stay as far away from the dealership as possible. Dealerships are in the business of making money first and fixing cars second. They tend to replace parts rather than fix them, charge higher hourly rates, and may even talk you into other “repairs” that are not necessary. Get multiple estimates. Finding a mechanic that you like doesn’t mean you can’t shop around. Taking your car to a few different places will help you compare prices and may help you negotiate your repair bill lower. At the very least it can help you be sure that your current mechanic is giving you a fair price. If there is a discrepancy, discuss it with your mechanic. There might be a completely valid reason for the difference in pricing, but it’s worth bringing to their attention. Check to see if your insurance offers discounts.Many insurance companies have a network of auto shops that they work with that may offer discounts. Using a preferred shop may make the process of getting your car repaired go a little more seamlessly as well. The insurance will pay out quicker and there may be less paperwork required on our end. These shops may also offer warranties on their parts and help you get a little more bang for your buck. Ask for a labor and parts estimate beforehand. Understanding how the shop is determining their cost can help you be sure that you are not getting ripped off. You can easily verify the cost of parts by looking online, and you can even get a sense for how long a repair should take.  Get your repairs done quickly.Waiting to fix a problem will almost always result in more repairs down the road–and more costly repairs at that. Going to the shop as soon as you can will help you fix the problem for the least amount of money.  Build a relationship.Having a good relationship with your mechanic can add up to savings. They may be more inclined to cut you a deal or work with your budget if you are a repeat customer. A good mechanic knows that their business isn’t much without good customers, so it’s mutually beneficial for you to have a good relationship.That’s how you can find a good mechanic. Finding a good mechanic can feel daunting, but it’s important to have a trustworthy and reliable person by your side to help you with your car troubles. After all, most of us can’t afford to be without our cars for too long. If your issues are with your financing company and not your mechanic, get in touch with Auto Approve! We can help you refinance your car loan to a lower car loan APR and save you money every month on car payments. There are lots of great reasons to refinance your car loan, so don’t wait to reach out! GET A QUOTE IN 60 SECONDS
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What is Permissive Use Auto Insurance?

07/08/2023 16:47
Have you ever let a friend or family borrow your car and wondered if they were covered under your insurance policy? The answer is yes–in most cases–under permissive use auto insurance. So what exactly is permissive use auto insurance and what does it cover?Here’s everything you need to know about permissive use auto insurance.What is permissive use auto insurance? Permissive use auto insurance allows a person who does not live with you and is unlisted on your car insurance to drive your car legally. Permissive use is a feature of most auto insurance policies but it is always a good idea to ensure that it is outlined in your policy. Permissive use insurance allows for people who drive your car infrequently to use it from time to time. A big part of permissive use insurance is that the use is infrequent, typically defined as less than 12 times per year.   Does all of my insurance coverage transfer to the permitted driver? If someone is driving your car who is not listed on your policy, does all of your coverage transfer to them? In short, yes, as long as you are abiding by the guidelines in your policy. But there may be exceptions to this. Most states require that a driver be insured to some degree. The most common type of coverage is liability insurance, which pays for injuries and/or damages from a car accident, including those of the other driver and their passengers. But some states require other coverage, such as:Uninsured/underinsured motorist coverage: Covers the cost of injuries to you and your passengers, and damage to your car and other property, if you're hit by a driver who is uninsured or underinsured.Personal injury protection: Covers medical expenses for insured drivers and their passengers. It can also cover lost wages and other expenses that result from the accident.Medical payments coverage: Covers medical expenses due to injuries from a car accident. It is similar to personal injury protection but does not cover lost wages or other expenses. Comprehensive and collision coverage: These are not required by any state but can offer additional coverage for collisions, theft, vandalism, and acts of nature.Most insurance policies transfer all of your coverage to the permissive driver. But it’s important to note that not all policies do. It’s important to check your specific coverage to see who is insured for what.How do I know if I should add someone to my insurance policy? Permissive use is specifically for people who do NOT reside at your address and only use your vehicle infrequently. Drivers are covered for 12 “uses”, and every time a driver enters and exits the vehicle it counts as one use. So if a friend is going to be using your car for a few days or weeks, or is taking a road trip with your vehicle, it’s a good idea to add them to your insurance policy to ensure you don’t have a problem. You can always add a driver temporarily, which means that you will not have to pay for them for an extended period.Are household members covered on my insurance policy? Spouses are generally covered on auto insurance policies, even if they are not specifically named on the policy. This also extends to other relatives who are living in the same house. They can be related by blood, marriage, or adoption.  If you have a roommate or foster child the rules are less clear, so it’s a good idea to check with your insurance company if you are not sure. If someone else uses your car a lot and does not reside with you, you will need to have them specifically listed on your insurance policy.Who is not covered under permissive auto insurance? Permissive use is just that–permissive. This means that if you do not authorize someone to use your vehicle, they are not covered under your insurance. Here are the the instances where permissive use will not cover a driver under your policy:Unauthorized drivers. If someone takes your vehicle without your permission they are not covered.Unlicensed drivers. If someone who does not have a license uses your car they are not covered under permissive use.Excluded drivers. If someone is specifically named on your policy as an excluded driver, permissive use will not apply. Business use. If someone borrows your car for business use, such as driving for a rideshare, permissive use will likely not apply.Criminal activity. If a person uses your car for criminal activity, permissive use will not apply. Intentional acts. If a person uses your car to cause intentional damage, permissive use will not apply. What is a named driver policy? A named driver insurance policy means that only those who are specifically named on the insurance policy will be covered by that policy. There is no permissive use. Most standard auto policies include permissive use, so a named driver policy is somewhat non-standard. People may opt for named driver policies however because they can be cheaper. The insurance company knows exactly who will be driving the car, including their ages and driving histories, so they can give more accurate coverage rates. Standard auto policies must inflate their premiums slightly to account for the permissive use of people that they are not vetting beforehand.  Named driver policies can be problematic however. Even if your car is used by someone else in the case of an emergency (and you are in the car with them), an insurance company can deny coverage. Many states are currently trying to pass legislation to make sure drivers are aware of all of the limitations before signing a named driver policy.How much does permissive use auto insurance cost?Permissive use comes standard with most auto insurance policies. This means that it is already built into the cost of your auto insurance premium. Your car insurance premium is based on a number of factors, including the following:The insurance coverage you select. Insurance requirements vary greatly from state to state and can vary greatly from person to person. Some people like to have more coverage for the sake of security, while others prefer to keep their coverage on the more affordable side and take their chances. Your driving record. The better your record is, the less likely they are to have to pay out, therefore the less you will have to pay for insurance. Accidents, moving violations, and DUIs will all increase your insurance premium significantly.How often you drive. The less you drive, the less chance there is for an incident.Where you live. If you are located in an area with heavy traffic or higher rates of vandalism you will pay more for car insurance.Your credit score. Your credit score is another indicator that insurance companies use to predict your chance of being in an accident. Having a poor credit score will significantly increase your cost of insurance. According to a LendingTree study, those with poor credit scores pay 72% more than those with excellent credit scores. Your gender. Women tend to get in less accidents than men and therefore will generally pay less for insurance.Your age. Older drivers tend to have more experience driving and will get lower rates.Your car. There are a lot of variables that your car has that will affect the insurance premium. The cost of repairs, likelihood of theft, and the general safety of your car will all affect your premium. Some features of your car may reduce your premium, such as certain anti-theft devices. There are a lot of discounts that you may be eligible for that can help reduce the cost of your insurance. Good student discounts, good driver discounts, and military discounts can all help to reduce your premium. Having multiple vehicles and/or multiple policies with one insurance company can also help you to save money overall. Paying your policy in full and upfront can also give you a significant discount. Can I still be held liable for damages or injuries caused by someone driving my car under permissive use?If someone is using your vehicle and gets into an accident, permissive use will likely cover the damages. But if there is something that is not covered by your policy, you may be legally responsible for the damages. It does depend on the situation however. You can also expect that your premium will increase in the future.That’s everything you need to know about permissive use auto insurance.If you are unclear whether or not someone is legally allowed to use your car you should check with your insurance company. You don’t want to risk having an insured person driving your car, as the damages will most likely be your financial responsibility. If a friend frequently uses your car, consider adding them to your insurance policy to ensure that you are both covered.  Paying for insurance can add a lot of stress to your finances, and so can overpaying on your car loan. Contact Auto Approve today to see how much you could be saving with a car loan refinance!GET A QUOTE IN 60 SECONDS
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