Monthly Archives: June 2018

Options For Purchasing A Vehicle With Bad Credit

One of the bigger purchases that you will ever have to make is when you decide to buy a new or used car. When you are looking to get a new car, you will likely find that the prices of a car make it hard to pay for the entire vehicle cash.

To buy a car, one of the options that you will have would be to take out an auto loan. Similar to any other type of lender, banks that provide auto loans will pull a credit score for the borrower. If you have poor credit, the letter might not provide you with the loan. However, there are several ways you can get still get a loan to buy a car, even if you have poor credit.

Get Dealer Financing


One option you have for a bad credit loan when you are looking to get a loan to buy a car is to get a loan from the dealership. Most major car companies today have their own financing departments that can provide loans directly to buyers. Car companies are often willing to offer loans to people will lower credit scores as it will help to ensure that they make the car sale. However, these rates and fees tend to be higher than loans provided by traditional banks. 

Put More Money Down


When you are looking to make a purchase on a new vehicle, most lenders will expect that you put forth some form of a down payment. When buying a car, a down payment is typically around 10 to 20% of the total purchase price. While this is the standard for someone that has good credit, those that have bad credit could still obtain a loan if they’re willing to put forth a larger down payment. If you can afford a down payment of 30% or more, you will be perceived as a lower risk and could receive the financing you need to buy the car. 

Co-Signor


As with any type of loan, a great option for getting a loan with bad credit is to get someone to sign the loan with you. If you have a friend, spouse, or other party that is willing to co-sign the loan with you, they will be taking on responsibility for the loan. In the event that you miss a payment, the co-signor will be obligated to make the loan current. Because of this, if you have a co-signor that has a good credit score, you will be able to qualify for an auto loan even if your credit is poor.

Shop Around


Finally, when you are looking for an auto loan when you have poor credit, you could obtain a loan if you are willing to shop around and find a great loan. There are many different banks, credit unions, and finance companies that are active in the auto lending industry. All of these companies have different methods for underwriting a car loan. Even if you have poor credit that leads to a rejection from one lender, another lender may still be willing to offer you a loan. Not only will then help you to get approved for the loan, but you could also receive a better interest rate.

A 10-Point Plan for Options (Without Being Overwhelmed)

Automotive Marketing – The Important Things You Need To Take Note

The industry of automotive started right after the horseless coach was introduced on 1885, and that paved way to the total change in the transport systems all over the world. The growth of the automotive industry was made possible because people started to accept this ground breaking idea. The reason behind that is because a lot of people discover more info. about these automobiles that aside from long distance travels, they are also good for daily use. And that paved way for a lot of companies to take advantage of the chance to earn a lot of money since more people are interested about the idea of buying cars. Automobiles were no longer a luxury back then, they were considered a necessity. A lot of automobile companies begin to look for marketing promotions in order to keep up with the other companies because there was a great competition in the market.

Competition can sometimes be a little tricky and that is the reason why there was the development and introduction of the automotive marketing promotion strategies. And you should learn more about the great decrease in the sales of cars today. That is the reason why a lot of car manufacturers are creating promotions in order to have an increase in their sales. A traditional way in promoting a business is through the newspapers. But there are some car dealers that are looking for other ways to promote their products such using the number of social networking sites. This website will let you know more about how car dealers will get the attention of the people with the products and services that they are offering. Doing some experiments is also good in order to come up with a lot of original ideas, read more now.

Every time car dealers will focus on promotions for individual people, they will be sending direct emails. All they have to do is to personalized their notes instead of sending generic emails. The content of the mails will be about offering the customers the products that they can afford. One more marketing strategy that a car deal can do is to provide incentives to its customers and employees. This is where they will start promoting in social networking sites and create a good reputation, click here for more.

Branding products is also considered to be another good automobile marketing promotion technique. Making a car company stand out from indirect and direct competition is what branding means. Some car dealers will have mascots in their stores to make an impression that they would welcome any person that will be needing their products. There are also car dealers that would offer trade ins in order to bring back some of their old customers. There are a number of marketing promotion strategies that car dealers can go with if they really want to get more sales.…

5 Key Takeaways on the Road to Dominating Pictures

Hints on How to Take Automotive Photographs

It is usually an interesting activity to take of your own car.With the help of the car photos take you will be better placed to understand many new things about photos.With the help of the following tips, you will have good start and an understanding of the automotive photographs.
It is necessary that the photographs be taken that time of the day when it is good.You need to realize that poor time will result to poor photos been taken.You need to ensure that your automotive photos are taken some minute towards sunset and prior to sunrise.It is with this time that you will have an assurance that your car photos will be good.

By considering the reflections which might affect your photos ,you will have an assurance that your photographs will be good.In order to obtain photographs of your car which are good ,you need to put into your mind of any reflections.You need therefore to monitor carefully the surface of the car so that to determine the kind of reflects that comes out of it.While you are taking car photos ,you need to make sure it is on an open ground because a car behaves like a mirror thus you will have reflections.When the space is not closed ,you will have an assurance that the car lines and curves that make its design will be displayed in the photo.You should be cautious such that your photo does not appear on the picture of your car.You can if will not avoid reflections, you need to use a tripod stand, time the shot so that your reflections are not seen.

Taking the best automotive photographs will need that you pay attention to your background.In order to have photos which are good ,you need to ensure that your background matches the color of your car as well as theme.You need to realize that things like power lines, dustbins as well as other cars can make the picture of your car to be bad.If the background rhyme with the car color, you will increase chances of having a quality photograph.

Taking quality automotive photographs will require that you do it in the night.It is possible that in the night reflections will be absent thus making your photos to be quality.It is crucial that you should take the photo in the absence of the moon as it will also cause reflections also.You can as well create your artificial light so that to help have the best photo for your car.
You need to ensure that your car interacts with nature when taking a photo. Letting the car come into contact with nature is an easy way to make the photo you want.…

The Beginner’s Guide to Cars

Vehicle Service Warranty: Finding The Appropriate Vehicle Protection Plan

Vehicles of any type, size, and make are one of the most used things used by many people today anywhere in the world to make life convenient.

When you own your own vehicle, you can never tell as to when it will need repair or maintenance, therefore, you have to consider putting up a little investment. When your manufacturer’s warranty has expired, you have to ensure that your vehicle is still covered with an extended warranty so that any repairs or maintenance of your vehicle can still be covered. Untimely, repairs or maintenance for your vehicle may be in a situation where you will have to be always on guard for, hence, warranties are handy anywhere.

When you are in search for a company that provides extended service warranties, you have to be certain with the necessary accreditation with Vehicle Protection Association and Better Business Bureau. Companies with this accreditation can be trusted in their business dealings as they are bound with the standards of the standards in proper business transactions and professionalism.

Learn everything that you can about the plans that are being offered so that you can best select what you will need and that it suits your vehicle’s warranty specification. Some companies may just offer you warranty plans that may not be applicable or practical for you at a higher price, therefore, be more aware of the offers and get on to that plan which have have competitive price and services.

Stick to what kind of service or plan that you can afford and what you can invest in, and do not overdo with warranties as there may be features that cannot be useful for you. The more you know, the better will you make the decision, and it will help if you also check these companies online and verify what they have to offer and validate their credibility. Many previous clients from this company would most likely write comments on this site about how satisfied they were with the services and plans that these companies have offered. More so, ask for recommendations or referrals from friends or colleagues so you can discover more of your better options before making a decision.

These are but a few and important tips that you can use as reference when selecting a vehicle service warranty, your instinct and better judgement will always be your guide.

You cannot be complacent with anything, therefore making even this little but important investment for your vehicle will be a handy option especially when you cannot be certain as to when trouble with your vehicle may arise.…

If You Think You Understand Vehicles, Then Read This

Choosing A Car Contract That Will Best Suit Your Vehicle Needs

Having a car is a good thing for a person but it also comes with the great responsibility of being able to keep it maintained and in top condition.

As with any other units, vehicles are also prone to break down, which, will need repairs or perhaps replacement, which is something that you will always anticipate anytime. It is for this reason that you will have a car service warranty for your vehicle so that you will still be covered whenever your car is in trouble and learn more what benefits it can give you. This car service warranty will ensure that whenever your vehicle breaks down, you will have the kind of service needed immediately taken cared of.

Nonetheless, like how you will select a precious item, you will need to be careful as well in selecting the car service warranty company or contract for your vehicle. You have to best determine the company that is giving a high value in providing the best car protection plan that is best suited for you and with competitive and flexible pricing. Research thoroughly about the company and all the plans that it offers so that you will have a more, smarter knowledge about what they are and their offers to help in your decision making.

A disputable company that is a member of VPA or Vehicle Protection Association can be a good consideration to better assurance. A company that is as well a member of Better Business Bureau or BBB is to be considered because their integrity can be relied on since they follow a high-level standard being set by this bureau.

Do not make any purchasing decision in haste, but take time in making a decision and read more if necessary to get the needed info as possible. Choose a car service contract that fits your own budget and do not go overboard for services that you may not be able to use in the near present or future.

Get as much recommendation as you can or check the company website and see about the reviews from previous clients as to how they describe their experience with the service from the company your are considering.

Therefore, with all these tips you can better best deal with making the decision as to what vehicle service contract, or company to look into and consider to best provide you your after the manufacturer’s warranty service expires and whenever your vehicle needs immediate services.

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Survey Shows That Over Fifteen Percent of Drivers Have Fallen Asleep at the Wheel

A survey done by SmartWitness shows that at least 15% of drivers have fallen asleep at the wheel at least one or more times. Over 40% of drivers have said that they have driven even though they felt drowsy and knew they were at risk of temporarily nodding off behind the wheel. Almost half of the motorists said that they felt they had been a danger to themselves or others when driving because of being too tired.

Men Are More Likely to Drive When Too Tired Than Women Are

Almost 1/4 of men have fallen asleep while driving compared to only 10% of women. Almost 90% of drivers admit that at one point or another they have driven when tired because of work or family. Less than half of these drivers say that they stop to take a break when they feel tired. Almost half of the drivers say that they have rolled down the window to help them stay awake. Other activities that drivers use to keep themselves awake at the wheel includes chewing gum, drinking coffee, or turning the radio up with some of their favourite music.

There is now a new system made by SmartWitness that is able to identify a driver whose eyes are no longer on the road and it will sound an alarm to wake him up when this happens. The name of the system is DDC100 and it is made to sit directly on the dashboard and is suitable for HGVs, Vans, and of course cars. The system uses software that is able to understand when the driver’s eyes have looked away from the road for a length of time that exceeds 3 seconds.

Alert Systems

If this happens for a private vehicle the alert system lets the driver know with an alarm and when it is part of a commercial fleet the system is also designed to alert the management of the company so they are aware that the driver is fatigued. This technology is also made to understand when a driver might be using a cell phone or is somehow distracted because of other reasons and the system can then notify the commercial company management and make them aware of these facts.

SmartWitness is among the leading CCTV firms in the UK and while conducting a survey that included over 1,000 drivers it was found that close to 20% of them had fallen asleep at the wheel. This survey also learned that close to half of those who participated in the survey did not get the seven to eight hours of sleep that is recommended. It was also determined that well over 80% of those that volunteered for the survey would have at least one more nights a week where they were not able to get a restful night’s sleep.

Most said that they still needed to drive a vehicle even after having a bad night sleep. It was found that those who drive for business or commercially were more susceptible to these situations because of their hectic schedules and the fact that many of them had long work hours. According to some statistics, it is believed that at least 1/5 of deaths that occur in driving accidents are caused by one or both of the drivers being fatigued.

It is estimated that the likelihood of death in a car accident caused from driver fatigue increases the likelihood that the accident will be a high-speed impact and because a driver was asleep at the wheel they took no action to avoid the accident. The chief executive of SmartWitness has been quoted as saying that this type of situation is responsible for a significant amount of the deaths that occur on our roads and is a major threat to the safety of others on the road.

Professional Drivers Often Under Pressure

HGV Class 2 licence drivers are often under increased pressure to complete deliveries due in part to the internet and this is pushing those drivers to driving even when they’re tired or drowsy and at risk of going to sleep behind the wheel. The danger of this is considered as great as it would be if someone were drunk driving or if they were distracted by talking on their cell phone. For this reason, it is said that it is vitally important that employers put technology into place that can identify when a driver is too tired and can alert them of this fact so that they can take appropriate actions.

When a company invests in the DDC100 it means that they have a way to monitor their drivers in real time and management can identify problems like fatigue and make necessary changes to alleviate the problem. When a company uses this type of system it means that their fleet …