Top 10 Used Car Buying Myths, Mistakes, and Pitfalls

Any one of the following “Top 10” items can cause a financial nightmare when purchasing a used vehicle. Be sure you know and understand how the used car industry works before you buy any used vehicle from an individual, dealer or a certified pre-owned.

#1)  Pre-Purchase Inspections 
The #1 reason vehicles with existing problems are purchased is the buyers' inability to determine the current condition before purchase. Pre-purchase inspections (PPI) requires testing and evaluating of every mechanical, electrical, body and frame system of the used vehicle. However, there is no pre-purchase inspections standards and there are significant differences between Automotive Technicians performing PPI. Today’s vehicles are so complex that most Automotive Technicians become ASE Certified in just a couple of 8 general automotive testing areas. However, only an ASE Master Certified Technician is qualified to properly test and evaluate all 8 mechanical and electrical automotive areas. In addition, used car buyers will need an independent Body & Frame Specialist to uncover any previous accident and/or frame damage.

#2)  Carfax or Other Vehicle History reports 
A vehicle history report cannot inform the used car buyer of any existing or potential mechanical or electrical problems, or the quality of any previous repairs, including any accident repairs.  Vehicle history reports do not report all accidents.  Carfax & AutoCheck have admitted that there are thousands of accidents each day that never get reported to their database.  Only a Body & Frame inspection performed by a Body & Frame Specialists can determine if the vehicle was in an accident, the extent of the damage, and the quality of any repairs. Please read the “7 problems” with vehicle history reports that Carfax or AutoCheck don’t tell their customers

#3)  Certified Vehicles 
There is no quality standard or inspection standard for "Certified" or “Certified Pre-Owned” vehicles.  Any certifications, inspection standards, and warranties vary greatly from dealer to dealer.  As with any warranty, used car buyers must know what systems are covered, and NOT COVERED before purchase.  A professional pre-purchase inspection is still required to determine any existing problems that are not covered under the limited warranty and any problems missed by the dealer’s cursory inspection.

#4)  Used Car Values 
There are many web sites and publications that give used car values.  Normally, these pricing guides and web sites calculate used car prices based upon current sales plus additions and deductions for items including optional equipment and excessive miles. However, these web sites and publications cannot give accurate deductions for the true mechanical condition of the vehicle.  Only a professional pre-purchase inspection can discover any needed repairs, abuse, and previous accident damages.  The true value of a used vehicle is the book value minus any needed repairs, abuse, or previous accident damage

#5)  Frame Damaged and Flooded Vehicles 
It is estimated that 1 in 14 vehicles on the road today are rebuilt from salvage and that 40% of all frame repairs are substandard.  Used car buyers will need a professional pre-purchase inspection by a Body & Frame Specialist to determine the extent of any accident damages, and the quality of any repairs. Many frame damage and flooded vehicles have clean titles and were never reported to the DMV, Carfax or AutoCheck

#6)  Odometer Fraud 
It is estimated that 1 in 4 used vehicles have odometer discrepancies. A professional inspection should determine if the wear and tear on the vehicle is consistent with the odometer reading. Vehicles with altered miles or abnormal wear and tear will be worth much less than the book value.

#7)  "AS -IS" Document 
Buyers are required to sign the "AS-IS" document when purchasing a vehicle from a used car dealer. The “AS-IS” document has 2 check boxes, “AS-IS No Warranty” and “Warranty”. If the warranty box is checked on the document, be sure you understand what is covered and for what length of time .You always have the right to have the vehicle professionally inspected to determine the true condition before purchase. Buyers usually have little or no rights after the sale.

#8)  Automatic Warranty 
Many used car buyers have a belief there is some sort of automatic warranty when purchasing from a used car dealer. However, dealers (and individuals) are not required to give any type of used car warranty. Any warranty must be in writing to be enforceable and most warranties are limited to certain parts or systems of the vehicle.  Used car buyers must understand what components and/or systems are covered, AND NOT COVERED, and for what length of time.  Most are very limited warranties covering just the drive train and not the majority of the mechanical and electrical systems. Warranties do not cover any problems caused by previous accident damage.
  Note: A used vehicle might have some remaining factory warranty. This is different from a warranty given by a used car dealer.  Vehicles with remaining factory warranty should be inspected for previous accident damage and abuse by the former owner(s), which may void the remaining factory warranty

#9)  Take Back Period 
Many used car buyers still believe there is an automatic 3-day take back period, or they can take it back if they have not made the first payment.  There is no such law or protection.

#10)  Used Car Lemon Law 
There is no Lemon Law for used vehicles in most States. Buyers assume that since there is a new car Lemon Law protecting consumers, that there must be a used car Lemon Law. It is the buyers’ responsibly to determine the true condition of the vehicle before purchase.

http://usedcarinspections.org/top10.htm

Some tips to extend the life of your car

7. Choose a good car insurer

Sometimes, no matter how careful you are, disaster inevitably strikes — typically in the form of an accident. Make sure that your car will be repaired to the best possible standard by finding an insurer that will pay for parts from the original manufacturer and guarantee the repairs it authorizes.

8. Keep an auto log

Keep a pad and pencil in the glove compartment and use them to record your gas fill-ups and mileage. If you notice that your gas mileage worsens, mention it to your service man. It may be an early warning sign that something is wrong with your car.

9. Preserve your car during long-term storage

If you are not going to use your car for more than a month, store it properly to prevent unnecessary damage and repairs upon your return.

• Fill the gas tank to help prevent condensation from accumulating in the gas tank. Add a fuel stabilizer and drive the car around a bit to distribute the additive to engine parts.
• Wash and wax the car thoroughly to protect the finish.
• Place a vapor barrier on your garage floor. A 4-mil polyethylene drop cloth will do.
• Disengage the parking brake to help avoid brake corrosion.
• Put the car on jack stands to take the weight of the vehicle off the wheels and tires.
• Disconnect and remove the battery to keep it from draining. Place the battery on a trickletype charger. Or periodically drain the battery, using a small light bulb, and then recharge it with a low-volt charger.
• Plug the tailpipe with a rag to prevent moist air from infiltrating into it.

http://www.rd.com/advice/saving-money/74-car-care-tips-to-keep-your-automobile-in-topnotch-condition/

Why Winter is a Smart Time to Buy a New Car

When the snow flies, buying a new car might be the last thing a lot of people are thinking about doing; but, this is the number one reason why you should hit the dealers and look for a new ride. Buying a new car in the winter has a number of benefits – and with saving money at the top of the list, there is no reason to wait until spring to shop.

Winter Car Shopping Could Save You a Lot of Money

As with most things, there is an off season for purchases and winter is commonly a time when fewer cars are purchased; especially certain types of cars. Sports cars, convertibles and other cars that are considered summertime vehicles will often sell for less during this season because fewer people are in the market to buy them. Even family cars can sell for better prices in the winter since fewer people are shopping.

Early in the winter season, dealers are often trying to clear last year’s models off the lot. New models tend to arrive during the late summer and early fall, and whatever is left of the previous year’s models will go for a discounted price as the weather turns to winter. Dealers will be more willing to strike a bargain to move an older model.

Minimize Your Time in the Cold: Get Online

With fewer people shopping for a car in the winter, you can browse in peace and take plenty of time comparing models and test driving. To make your time out car shopping even easier, narrow down the list of cars you would like to look at – using websites such as wheels.ca, carguidecanada.ca or autocatch.com. You can research models and see what is available in your area. When you arrive at the dealer, you will already know what you want to test drive. To find other ways you could save, check out leasebusters.com, where you can look at cars whose owners are seeking a lease transfer or want to sell a car and transfer the payments on their loan.

You can also get car insurance quotes online to compare the insurance rates on the cars you are considering; this will help you to know what the cost owning each of the cars you are considering will really be.

Before you arrive on a dealer’s lot, you can be armed with knowledge about car insurance rates for the cars you want to look at and a good idea of what that car is selling for elsewhere; this gives you negotiating power. In the winter months, with fewer cars selling, you will find dealers much more willing to work on a great price.

Winter Ready Right Off the Lot

You may save money on your insurance premium if your car is equipped with winter tires – be sure to check with your insurance provider. Also, consider having winter tires put on your new car when you purchase it to qualify for a discount. You might even save on the tires if you purchase them through the dealer as part of the new car package.

Before driving your new car home make sure you have the right antifreeze; if the car has been on the lot a while it might not have been winterized. Ask the dealer to take care of winterizing the vehicle properly before you head home. Since you are already in a good position to negotiate, having things like this thrown in as part of the bargain is more likely in the winter.

Winter car buying has a lot of perks; more room to negotiate, less competition for the cars and fewer crowds at the dealerships. And the down side of car shopping in the winter – time spent in the cold looking at car after car – can be minimized with preparation done right at home from your computer. By comparing prices and models and getting car insurance quotes online before you head out you can spend less time in the cold and focus in on the right car for you. In the end, you could wind up with a much better deal than at any other time of year, making winter car shopping a smart choice all around.

http://www.insurancehotline.com/winter-is-a-smart-time-to-buy-a-new-car/#

Five Financing Tips for U sed Car Buyers

While the great recession continues its slow way to recovering a bright spot for consumers is that lenders are beginning to lend money for car buyers. While the American made new car market especially is growing, many folks have been scared by economic hard times and have damaged credit ratings. For them, it is probably easier to buy a used car.

Sure, the interest rates will be a bit higher, but the amount of the loan will be lower, so on balance, you can afford and finance a nice used car. It is important though to bear in mind that financing a used car through an auto dealership (used or new car dealer that sells used cars too) is far easier than trying to finance a car that you buy privately.

If it has been a while since you have made a major purpose remember to use credit wisely.

Tip 1: Set a budget before you visit a dealership. Most personal financial experts think that the maximum monthly expense for a car should be 18 percent or less of your take home pay. That should include not just your car payment, but gas and insurance too.

Tip 2: Do a credit check. You are entitled to a free annual credit report from each of the following credit bureaus:

• Experian
• Transunion
• Equifax

If there are any discrepancies in your credit reports fix them, if you owe any money pay the debt and then design a strategy for dealing with the lender over any negative information in your report.

Tip 3: Get a pre-approved loan. This allows you to focus on your negotiation for the car without the distraction and anxiety of knowing that you also have to negotiate a loan. As a buyer, you know in advance, what you can afford – and with a preapproved loan in your pocket, should the dealer offer to finance you know at once if the rate is good. Car buyers who will be borrowers with poor credit can avoid rejection by shopping for a loan before they go car buying from a sub-prime lender. These lenders are now getting back into the auto-financing arena. Search online for the best rates.

Tip 4: Make a 20 percent down payment.  A down payment of 20 percent will keep creditworthy buyers safe from becoming upside-down on their car debt. This occurs when you owe more on the car than the car is worth. Subprime buyers will have to put down 20 percent in order to maximize the likelihood of obtaining financing.

Tip 5: Perceptive buyers will save for the down payment. Getting a personal loan to make the down payment means higher monthly costs. If you have trouble qualifying for a loan but are sure that payments will not be a problem then having a qualified co-buyer can enhance your chances of being financed and the rate may be a bit lower.

A few words of caution: never leave cash deposit on a used car, if you decide against buying you may not get it back. Always get a Carfax report and have the car checked out by a qualified mechanic before you purchase.

http://www.primerates.com/five-financing-tips-for-used-car-buyers/

Myth: Engine oil should be changed every 3,000 miles

Despite what oil companies and quick-lube shops often claim, it's usually not necessary. Stick to the service intervals in your car's owner's manual. Under normal driving conditions, most vehicles are designed to go 7,500 miles or more between oil changes. Changing oil more often doesn't hurt the engine, but it can cost you a lot of extra money. Automakers often recommend 3,000-mile intervals for severe driving conditions, such as constant stop-and-go driving, frequent trailer-towing, mountainous terrain, or dusty conditions.

2005 BMW X3 3.0i in Watauga TX from Jeno Autoplex Inc.

Stock : D06906 VIN : WBXPA93485WD06906 SALES PRICE : $14,995 Exterior : Blue Water Metallic - (Silver)   Interior : Terracotta Leather Mileage : 81,472 Fuel : Gasoline MPG : 17 City / 25 HWY Transmission : Automatic Drive Type : All Wheel Drive Engine : 3L Straight 6 Cylinders : 6 Horsepower : 225 @ 5900

Car Maintenance Mistakes

Compared to the family trucksters of a generation ago, modern cars require about as much maintenance as a toaster. This is a real liberation from the oil, lube and tune merry-go-round that ruled not so long ago.

Curiously, many people haven't adjusted their thinking to keep pace with new car maintenance schedules. The preoccupied still run their daily drivers without service until the dash warning lights burn out, while over-achievers fret about running synthetic oil more than 2,500 miles without a change.

Although maintenance intervals are now more widely spaced, even the newest cars require scheduled service to live long, productive lives. Whether yours is the latest model or you paid it off years ago, the trick is giving your car the maintenance it was designed to receive.

Surprisingly, the answer to what maintenance is required is hiding no farther away than the glove box. Every car is supplied with a maintenance schedule — in the owner's manual or in a separate maintenance log book — that details that vehicle's needs.


Proper Tire Inflation and Rotation

Tires leak naturally and need the occasional check. Figuratively speaking, underinflated tires suck up gasoline. Under- or overinflated tires wear out sooner, and deliver the same emergency maneuver handling as marshmallows. You probably aren't going to check tire pressures monthly, but how about twice a year?

Furthermore, front and rear tires wear differently and should be rotated to even that wear. Your owner's manual will have a recommendation on both pressure and rotation periods.


Tune-Up Anachronism

There are no more "tune-ups." Valves no longer need adjusting, ignition timing is computer controlled and there are no carburetors to fiddle with. About all that's left of the old tune-up drill are the spark plugs. These are often good for 100,000 miles, so don't change parts just to change parts. Instead, save up for those big 60,000- and 120,000-mile services when the timing belt, spark plug wires and coolant are due for replacement.


Oil Change Timing

Oil changes every 3,000 miles used to be required jobs, just like cleaning the accumulated fuzz from record player needles or defrosting freezers. Today, advances in engine design and lubricants make oil changes something to be done when the schedule calls for it, not when granddad says it's time. Some cars call for 5,000-mile change intervals, some up to 15,000-mile stints. Others have a variable timer. Follow the schedule and use the oil called for by the manufacturer.


Tired Tires

Tires wear out, but they also time out. The tire industry says tires are toast after five years, but they're selling tires. It all depends on heat, sunlight and ozone conditions. There's little argument from any pundits that after seven years those black donuts are dried and better off holding down a farmer's tarp than carrying your family around. If you're not sure how old your tires are, a tire shop can read the date code stamped into the sidewall.

Benefits of Buying Certified Pre-Owned Cars

Certified pre-owned cars (CPO for short) are certainly something that you may want to look into if you are out and about shopping for a new vehicle. Selling certified pre-owned cars has become quite popular at dealerships of late because of the demand that consumers have had for them. The good thing is that most dealerships have certified pre-owned vehicles that are made by their manufacturer. For example, a Toyota dealership would have certified pre-owned Toyota Corollas, Toyota Camry’s, etc. Having certified pre-owned cars on the lot that were made by their manufacturer allows the dealership to sell these cars at a little bit of a higher price. Along with the higher price comes things such as a warranty on the vehicle as well as the peace of mind that it was well inspected before it became certified.
So how does a pre-owned car become certified? Well, the answer is quite simple. In short, the vehicle is inspected, in and out, in an effort to detect if there is anything wrong with the car. If something is detected, it is promptly repaired by the dealership. One drawback to this is that there is no standard for certifying a pre-owned car. In other words, each dealership can have their own criteria when it comes to detecting, and repairing, any problems. Most of the time though, if a car is in poor condition mechanically or cosmetically, dealerships usually auction them off instead of certifying them. But in order to give yourself peace of mind it is a wise idea to ask the sales team questions. Make sure to inquire exactly what went into the process of certification. Also, you may want to ask if there were any problems with the vehicle at the time of the certification. Ask for a copy of CPO certification checklist the mechanic filled out! Be sure to get detailed information with your warranty too. Find out exactly how long the warranty will last in terms of miles and months, as well as what all it covers. Obviously, the more a warranty covers, and the longer it is good for, the better.
A big benefit of buying a certified pre-owned vehicle is that you may be able to get more bang for your buck. You may not be able to afford a brand new BMW 535 but you may be able to afford a certified pre-owned one that is just a few years old with low miles. Keep this in mind when shopping around. If you are willing to sacrifice a few years and miles then you may be able to get a car that you like in your price range. The tradeoff is that you get a car that looks and smells new for a reasonable price that is still backed by a warranty. Isn’t that what we are all after anyway?
The goal of the dealerships is to give the customer confidence and peace of mind and of course to make some money by betting on the fact that their CPO cars are still practically new and well-built and that nothing major will break on them that they will new to repair. By certifying the vehicle they are saying that they have inspected it and are willing to stand behind it with a warranty. If you buy a used car from a private party or a used car lot you will not be getting the assurance that the car has been well taken care of. That is why those cars are cheaper. Chances are if a person is willing to sell their Mazda 3 at a price that is well below market value then there may be something wrong with it.
If you are willing to take the chance on a few year old pre-owned automobile that is not certified then you could be playing with fire. There would be nothing worse than buying a new car and having it break down on you in a few months time. The money you spend fixing it would have easily been spent up-front on a car that is certified. Having peace of mind is worth the extra money. It is much easier to take a car that is under warranty back to the dealership to get fixed than it is to take it to a mechanic that is not familiar with the specific make and model.
A good certified pre-owned car can sometimes be hard to find. It is important to be patient and stay current with the inventory that is flowing into your local dealerships. If you develop a good relationship with a salesperson, and let them know exactly what you are looking for, they will notify you when they have something that fits your needs. Your job is to be ready to head up to the dealership and close the deal.

What Are Certified Used Vehicles?

According to a recent J.D. Power and Associates study, sales of certified used cars have increased 46 percent since 2000. For many people, certified used cars have become affordable alternatives to new cars. By "certified used" or "certified pre-owned," we mean used cars that are offered for sale by your local dealer and feature warranties that extend beyond the initial "when new" coverage.
To qualify for our definition of a "certified used" vehicle, the warranty must be backed by the original vehicle manufacturer. The original manufacturer of the vehicle is using its dealer network to inspect the car, determine if it is worth certifying and then offer support for the vehicle for a period of time beyond the original warranty. Not all used cars can qualify for certified pre-owned programs, and terms vary from one brand to the next, but any true certified pre-owned program will include at least a 100-point inspection of the car. If problems are found, the factory-trained technicians will fix it or disqualify the car from the program. The certified warranty protection typically takes effect when the original warranty expires and, like a new car warranty, offers coverage for a certain number of years or miles, whichever comes first.
Used cars sold with third-party warranties are sometimes advertised as "certified" but are not truly factory-certified because the authority and expertise of the vehicle's manufacturer is not standing behind the "warranty" in any way. In fact, the term "warranty" may be misleading, as third-party warranties are really just extended service contracts that the buyer must purchase at an additional cost. Extended service contracts can usually be purchased for any vehicle, and the vehicle's manufacturer is not involved in any coverage promised by the aftermarket service contract. A true warranty offers coverage that is included in the original purchase price.
The major downside to third-party service contracts is that they often obligate the customer to pay for needed repairs up front, and then wait for a reimbursement check; some require the payment of a deductible that can vary from $50 to $400. In addition, there is always the risk that the insurance company or other underwriter of the service contract will not be around to honor the warranty when a claim is made — this risk is much less when the responsible party is a vehicle manufacturer. Also, most extended service contracts do not require the rigorous inspection and repair procedures that a real certified program offers.
In many cases, a customer who purchases a certified used car will become eligible for benefits that a new car customer enjoys. Perks such as service loan cars, shuttle pick-up and drop-off service, roadside assistance, free maintenance and low-rate "incentive" loans are just a few of the reasons to choose a certified used car over a less expensive used car bought from a private party or used car lot. There's also the added benefit of having your car or truck serviced at your local dealer, which in most cases means a cleaner waiting room with little touches like fresh coffee and more comfortable chairs — it's not reason alone to choose a certain car, but it sure doesn't hurt. Even if a specific perk is not part of the official certified program, you can sometimes negotiate additional features with your local dealer — dealers selling certified used cars will, by and large, want to treat you the same way they treat their new car customers. Of course they're hoping to earn your new car business at some point, so they have more interest in building a relationship with you.
Some certified used programs offer the option of purchasing even more coverage, but the real value lies in the factory-provided coverage that is included in the purchase price of the car you're considering. Because some cars have a longer initial warranty when the car is purchased new, they represent a better candidate as a certified used car — in other cases, buying a certified used car will net the customer a longer warranty than if he or she bought that same car new. The attraction to certified used vehicles is clear — new car benefits at a used car price.
Many programs offer perks not directly related to the vehicle itself. For example, some certified programs offer services similar to what an auto club might offer. Services such as trip routing and trip interruption protection are often included as part of the certified program. Trip interruption protection is a feature that will reimburse the owner of a certified used car for incidental costs such as car rental, lodging, meals and out-of-town repair expenses should he or she become stranded due to a warranted mechanical breakdown when traveling out of town — usually an owner must be at least 100 miles from home in order to use the service. Some luxury brands will offer such services as trip planning or include a year's worth of subscription fees to in-car telematics services like Lexus Link or OnStar.
So the benefits of purchasing a certified pre-owned car versus a used car from a private party or used car lot are obvious. You have the factory standing behind the certified pre-owned car, plus you'll be buying a car that the original manufacturer has inspected to ensure that it is worthy of certification. The only downside to certified pre-owned cars is that they are generally more expensive than other used cars. But in this case, the benefits may outweigh the cost — for many buyers, the peace of mind alone is enough to justify the extra money.

Used Cars Have Slower Depriciation

Everyone knows that a new car goes down in value like a rock. Some new cars can depreciate anywhere from 10 percent to 30 percent as soon as you drive it off the dealer's lot. This quick depreciation, and the accelerated depreciation every year, can leave you owing much more on your car than it is worth.

Buying used cars can help keep the window of depreciation smaller than if you bought new. Whe you buy used cars, someone else has already taken that big hit on the depreciation. As a used car gets older, the depreciation is less every year.

Finding the Right Car for You

Here are a few other questions to keep in mind when you begin your car-buying process:

Do you want a manual or automatic transmission?
Do you really need four-wheel drive? Or all-wheel drive?
What safety features do you want?
Do you require a lot of cargo capacity?
Will you be doing any towing?
Do you have a bad back and need flexible seating positions?
Will the car easily fit in your garage or parking space?

Good reasons to buy a used car

• You'll save money on insurance.
• Bigger bargains are possible for the smart used car shopper.
• Used cars are more reliable today than ever before.
• Some used cars are still under the factory warranty.
• Most new carmakers now sell certified used cars, which include warranties.
• The history of a used car can easily be traced using the vehicle identification number (VIN).

Why not to buy used

Are there disadvantages to buying used? A few. Financing is generally more expensive for used cars (though this may be offset by cheaper insurance rates), and if you prefer to lease, a used car probably isn't a viable option. By buying a used car, you may be missing out on some of the latest-and-greatest safety and technical gadgets. And, of course, there's that new car smell. Let's face it: Having a new car is a great feeling.

In the end, all of these things have a price, often several thousand dollars. Is it worth it? That's up to you -- but if you're looking to stretch your car-buying dollar as far as possible, it's hard to argue against buying used.

Certified pre-owned

More and more manufacturers offer "certified pre-owned" programs. Cars sold as certified pre-owned (CPO) bridge the gap between new and used. They are subject to a rigorous inspection and repair process, and usually are covered by a warranty from the manufacturer. CPO cars will usually cost a bit more, but the added warranty and peace of mind makes them a good value.

More car for the same money

A nicely equipped new Toyota Corolla XRS will set you back around $18,000. But what if you want something bigger? For the same amount of money, you could buy a two-year-old Toyota Camry loaded to the gills or a three-year-old Avalon, Toyota's biggest sedan. Planning on growing your family? You'll find plenty of four-year-old Honda Odyssey minivans in the new Corolla's price range.

You can also move up in prestige. A new Toyota Camry XLE V6 with all the bells and whistles is a nice ride; at $30,000 it had better be. But for the same price (or even a couple grand less), you could be stylin' in a two-year-old Lexus ES330, Audi A6 or BMW 325i.

The same car for less money

When you buy used, you miss out on the heaviest depreciation hit. A new Honda Accord LX will set you back around $21,500. Buy a similarly-equipped two-year-old Accord with 24,000 miles and you'll pay about $4,000 less. (And that's for a car that holds its value well. A Mitsubishi Galant ES costs about the same new as an Accord; 2 years and 24,000 miles later it's $7,000 cheaper.)

Why buy used?

Used. Pre-owned. Previously enjoyed. Gone are the days of the shark-skin-suit-clad used car salesmen offering heaps that were owned by a little old lady who only drove it to church on Sundays. Today, late-model used cars are not only a safe buy, they make good financial sense.

Keep things organized

Use collapsible trunk storage bins to organize emergency kit items as well as sports equipment for your kids. They hold things in place and transport easily.

Invest in a backseat organizer designed with older kids in mind. They can hold everything from juice boxes and healthy snacks to CD players and small games.

Pre-pack a bag for each activity your child participates in regularly and have it in the vehicle.

Designate a few toys special "car toys" that stay in a small tote bag beneath your child's car seat.

Instead of carrying a big roll of paper towels in your vehicle, take advantage of products that absorb spills and removes stains, and clip to your dashboard or backseat pocket.

Stash menus from the top three area restaurants in the glove box for calling in orders on the go on those days when carpools or work leave you no time to cook.

Keep a small booklet in your glove box that can hold your owner's manual, registration and proof of insurance inside of it, as well as any emergency contact numbers you may need. Hide a small amount of cash in it as well to have on hand if needed.

Fast cleaning action

For some real speed cleaning, you will be happy to hear about a new lineup of car care items. Called Blink, these five cleaning wipe products claim to "help quickly eliminate clutter, litter, spills and fingerprints in minutes." Designed by Honeywell Consumer Group, the products were designed to "offer clean and quick results in five minutes or less."

Even better, perhaps, is these products come in innovative, car-friendly packaging, some of which is designed to clip onto your door pocket, seatback, center console, seat organizer or to be stored in the increasingly-small glove box. You can find Blink Spill Grabbers, Mess Lifters, Smudge Cleaners, Trash Tossers and Tidy Toes in retail, drug and grocery stores.

For some other good advice, Stacy DeBroff, author of "The Mom Book" and founder of Mom Central, Inc., provides these tips on how to make over today's home on wheels:

Protect your carpets, Emergency kits

Buy a cheap set of rubber mats to put on top of your carpet mats. You can even turn your carpet mats upside down if they have rubber bottoms.

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Keep an emergency cleaning kit in the trunk. Here are some items to keep on hand: small plastic grocery bags, large plastic trash bag, hand towels, paper towels, carpet cleaning solution, glass cleaning solution and a good general cleaning solution like Fanastik.

Parents know that one of the most indispensable items to keep on hand is baby wipes. Always stash a portable-sized container of wipes in your glove box for those frequent spit-ups and other messy situations.

Toothpaste to the rescue

Stains on your car's upholstery can add to the day's stress level. A white, non-gel toothpaste can be kept in the glove box for a quick response to stains like lipstick, ink and ketchup. Rub gently and then wipe with a clean, damp cloth.

Stop to smell the roses

Instead of eating while driving, think about stopping to eat. We are all in a hurry, but it is safer and provides more quality family time when you park and then eat.

Kid-friendly products

For families with toddlers, think about buying spill-proof cups and snack holders. A busy mother invented these "anti-spill" cups and holders for finger foods such as Cheerios and Goldfish crackers. With the "Snack Trap," kids reach through soft plastic slits to grab a bite. Once the child removes his or her hand, the slits close so the snack stays contained if the cup is dropped or thrown. The company's "Sprout Spouts" are specialized lids that screw onto wide-mouth bottles of Juice, Gatorade and other drinks to avoid liquid spills. You can find these products at Babies-R-Us and Burlington Coat Factory or visit www.snacktrap.com.

Bring it in, Take it out, Bag it up

Some families have an "if you can carry it into the car, you can carry it out" policy when it comes to car rides. Make your kids responsible for their books, cups, backpacks, balls and papers. Also, keep clutter to a minimum by limiting them to one item per car ride or make them keep their junk in backpacks.

Always have a kitchen-sized trash bag on hand in the car. You can keep it in the trunk or in the pocket on the back of your seats. It is great for keeping fast-food bags, cups, trash, even occasional wet clothes or muddy shoes from doing harm. If you have older children, the child who is in charge of the house trash can also be in charge of the trash bag in the car.

Also, have small resealable sandwich bags on hand and within reach for pet treats or food, you never know when Sparky might get hungry.

Tips to keep car clean and tidy

Between kids, pets, friends, and little ol' you, the sanctity of your car's interior is always in peril. So, how do you keep it clean when you've got kids spitting up and spilling, pets drooling and tracking in dirt and people eating four-course meals in your car?

With a full-size family myself, I know how hard it is to keep everything clean without going crazy. Here are some tips to sustaining your sanity when it comes to keeping your car interior clean and organized.

Tips on Buying a Used Car

• Learn what rights you have when buying a used car. Contact your state or local consumer protection office.
• Find out in advance what paperwork you will need to register a vehicle. Contact your state's motor vehicle department.
• Check prices of similar models using the NADA Official Used Car Guide published by the National Automobile Dealer Association or the Kelley Blue Book. These guides are usually available at local libraries.
• Research the vehicle's history. Ask the seller for details concerning past owners, use, and maintenance. Next, find out whether the car has been damaged in a flood, involved in a crash, been labeled a lemon or had its odometer rolled back. The vehicle identification number (VIN) will help you do this.
• Your state motor vehicle department can research the car's title history. Inspect the title for "salvage," "rebuilt", or similar notations.
• The National Highway Traffic Safety Administration lists VINs of its crash-test vehicles and will let you search an online database of manufacturer service bulletins.
• The Center for Auto Safety provides information on safety defects, recalls, and lemons, as well as service bulletins.
• Visit safetyforum.com for a free online search of its database of lemons registered by previous owners.
• Make sure any mileage disclosures match the odometer reading on the car.
• Check the warranty. If a manufacturer's warranty is still in effect, contact the manufacturer to make sure you can use the coverage.
• Ask about the dealer's return policy. Get it in writing and read it carefully.
• Have the car inspected by your mechanic. Talk to the seller and agree in advance that you'll pay for the examination if the car passes inspection, but the seller will pay if significant problems are discovered. A qualified mechanic should check the vehicle's frame, tires, air bags and undercarriage, as well as the engine.
• Examine dealer documents carefully. Make sure you are buying- not leasing- the vehicle. Leases use terms such as "balloon payment" and "base mileage" disclosures.

Beware: Curb Stoning & Title Washing

Curb stoning occurs when a dealer has an inferior or damaged car he can't sell on his lot. He gives the car to a salesperson to sell through the classifieds, as if it were a private party sale. A title history report will show that the title recently changed hands and could reveal that it is a lemon or an otherwise branded car. Be suspicious if the seller's name is different from the name on the title.

Title washing occurs when scam artists try to sell a salvage vehicle by concealing its history of damage from a buyer. Although a vehicle's title should show if it has been damaged or salvaged, some states do not document titles in the same way as other states. By moving a vehicle and its title through several different states, con artists try to "wash" out the title branding of salvage or damage. The best way to avoid this trick is to buy only from reputable dealers and/or to get a title guarantee in writing.

Cleaning Myth: Wax protection can be guaranteed to last up to one year

A claim may help sell a product, but Barry Meguiar says there are enough variables in place that make any such guarantees suspect.

A better strategy might be to consider those differences -- weather, use of road salt, whether your vehicle is parked outside or garaged -- and maintain accordingly. Meguiar's is taking that idea one step further with a personalized service that gives owners options based on their expectations.

Cleaning Myth: Diapers, t-shirts and flannel make good cleaning cloths

A smooth surface is exactly what you don't want to see in a cloth, the reason being those fine particulates that you're trying to capture.

While the cloth diaper or t-shirt may be clean, it's actually scratching the surface; a terrycloth premium microfiber towel is what's recommended, the deep pile surface creating a buffer zone that will pick up the bad stuff, not grind it into the paint finish.

Cleaning Myth: There is no difference between polishing and waxing

Understanding what polishing and waxing are designed to do is key. Polishing creates a brilliant high gloss surface; waxing protects the vehicle's finish by coating it with waxes polymers, resins and silicones. Which means waxing won't make a dull surface shiny.

Cleaning Myth: Waxing can remove swirl marks

Barry Meguiar says swirl marks, which are nothing more than scratches in the surface of a vehicle, can only be removed by getting to the bottom of it -- literally.

Today's modern paint finish actually magnifies the scratches, making swirl marks one of the more troubling aspects of maintaining a vehicle's finish. "We get more calls about swirl marks than anything else," says Meguiar.

Getting rid of them will depend on how deep the scratch is, with micro-fine, hairline scratches taken care of with a non-abrasive paint cleaner; moderate ones may require something a little more serious; even deeper swirl marks (caused by improper use of rotary buffers and rubbing compounds) may need professional color sanding and buffing.

Cleaning Myth: If a car looks shiny, the cleaning process can be skipped

In this case, seeing is quite definitely not something you want to believe. "Your eyes can't tell you what's going on in the paint finish," says Meguiar, who suggests rubbing the face of your hand over the surface of the vehicle after a car wash.

"It should feel like glass if it's right. Most of the time it's going to feel more like sandpaper. You can feel the contaminants." Products like a clay bar can easily remove bonded contaminants, something that's essential before the application of a polish or wax.

Cleaning Myth: Washing and cleaning are the same

A car wash removes loose contaminants; cleaning removes stubborn stains, blemishes and bonded contaminants, explains Meguiar. Bonded contaminants? Think tree sap and, almost as bad, an aerosol spray of tire rubber that no one can escape.

"When you're driving behind someone, the rubber from the tires is landing somewhere -- and that's on your vehicle."

Myth: All oil filters are the same

You may think that “an oil filter is an oil filter,” but that’s not true, because there can be significant differences that affect both filtration efficiency and longevity. The oil filter is the engine’s main line of defense against abrasion and premature wear. The more dirt and other contaminants the filter can trap and hold the better.

Inexpensive filters are typically made with the 3,000-mile interval in mind, using low-quality paper media that deteriorates rapidly for filtration.

There are a number of new high performance premium oil filters on the market from manufacturers such as Royal Purple, Wix and K&N. These filters are made for extended oil drain intervals.

For example, Royal Purple uses a proprietary long-life, micro-glass media that provides protection for 12,000 miles.

Myth: Your tires should be inflated to the pressure shown on the tire sidewall

Because of the wide variety of tires on the market today, tires can be used on more than one vehicle, so inflating your tires based on the PSI number on the sidewall may not be ideal for your specific vehicle. Car owners should follow the manufacturer’s recommendations for cold weather and normal conditions tire pressure. That number can be found on a doorjamb sticker in newer cars, or in the glove box or fuel door on older models.

Myth: My car engine needs to warm up before driving

During winter months, it is a common practice for drivers to warm their vehicles up inside, but a cold engine will warm up faster when it is being driven instead of idling.

If you use your car infrequently, take a few minutes to warm up your car before you drive away. This allows cold, thick oil to warm up, protecting your engine from damage. For cold weather starts, all you need is 30 seconds to ensure proper oil flow and lubrication. In the event of frigid temperatures, driving at a slower speed for a few miles will give your car enough time to warm up.

Myth: A dealership must handle all maintenance on my vehicle while it is under warranty

The key to maintaining your factory warranty is that car care items specified in the owner’s manual are performed on schedule. As long as the service is documented, it can be performed by any auto-repair shop. You can also do the work yourself; just make sure you keep accurate records and receipts in case warranty issues arise and for future repair.

Summer car care tips

The summer months are heating up and drivers want to make sure their cars can handle the change in seasons.

AAA has some basic car care tips that car owners can use before hitting the road for their summer travels. According to AAA, drivers should check their battery because the extra heat can drain the power.

"Heat evaporates battery fluid, damaging internal plates and speeding up corrosion. So when the mercury reaches 90 or higher, and temps under the hood reach 140 degrees, watch out. Electronic devices such as satellite radios, GPS systems or portable DVD players simply make matters worse, increasing the demand on stressed batteries." AAA officials say on the company's website.

Drivers should also make sure their cooling system is working with good coolant so they don't end up overheating.

"Older coolants used to require changing every two years or 24,000 miles, but most modern formulations are good for at least five years and 50,000 miles."

Advantages of New and Used Cars

All car purchases start with one decision: New or used? It's hard to remember a better time to buy either. With automakers selling hundreds of new models, and more used cars than there are people to drive them, there are plenty of good vehicles out there ready for an owner and driver.

In the end, the decision to buy new or used boils down to what you can afford and what will give you peace of mind.

If you're on a tight budget, then buying a used car gets you the most vehicle for the least amount of money. You can count on one hand the number of new cars that list for less than $10,000. That buys you a tiny car, probably with two doors and certainly with a manual transmission instead of an automatic, no air conditioning, a lack of safety features (antilock brakes, side-impact airbags, etc.) and few other common amenities.

For less than half the price of the average new car, you can buy a three- or four-year-old used vehicle that is larger and loaded with more features than the small, bare-bones new one. But buying a used vehicle has its risks, which could cost you more over the life of the vehicle. The fact is, you are buying a vehicle that someone else has owned and driven. You don't know how it's been driven or how well it's been cared for. A used vehicle will require maintenance and possibly expensive repairs far sooner than a new one, and these repairs probably won't be covered by a warranty.

The Case for Buying New

For some people, buying used isn't an option; they want a brand spanking new car. They want to select the color and all of the features that go on it. There's definitely a pride of ownership and peace of mind in being a vehicle's first owner. Some of a new car's advantages include:

• reduced maintenance: A new vehicle won't need maintenance for the first several thousand miles, and then only an oil change and tuneup are required. Some manufacturers even cover the cost of those routine maintenance items. The new vehicle likely won't need new tires, a battery, exhaust system or brakes during the first few years of ownership or longer.
• warranty coverage: The manufacturer covers its new vehicles under warranty for at least three years, and some warranties last even longer. Many luxury makes now offer warranties of four years and 50,000 - 60,000 miles. With manufacturer warranties, if something goes wrong it's the responsibility of the dealer and manufacturer to fix it.
  
  In addition to comprehensive warranties, automakers provide warranty coverage for both corrosion resistance and powertrains. Chrysler, Jeep, Dodge, Hyundai, Kia and Mitsubishi have the longest powertrain warranties, ranging from "lifetime" (for Chrysler products) to 10 years/100,000 miles for the others. Many other manufacturers offer coverage beyond three years/36,000 miles, the previous norm — like in the case of GM's five-year/100,000-mile warranty. It's good to keep in mind that if you buy these vehicles used, what's left of the warranty may not be fully transferable.
• peace of mind: If you encounter problems with your new car, you have legal recourse through state lemon laws — offered in all 50 states. If you can prove that your new car is a lemon, you could receive a replacement vehicle or get your money back. Lemon laws apply only to new cars. You also can find out if your vehicle was returned to the used-car market as a lemon by looking at the vehicle's title and using a free look-up service provided by Carfax.
• roadside assistance: In addition to a comprehensive warranty, virtually all mainstream new cars and light trucks come with free roadside assistance while the vehicle remains under warranty, and, in some cases beyond. Only exotic car makers do not provide roadside assistance. In addition, some automakers reimburse you or provide alternate transportation if you get stranded far from home. A few manufacturers, including Audi, BMW, Lincoln and Volkswagen, offer free routine maintenance during the first couple years of ownership. These generally cover oil changes and tuneups.

The Case for Buying Used

If you're not married to the idea of buying a new car, used vehicles have their own benefits:

• increased choice: Both new and used-car dealers are feeling the side effects of a tough economy. The positive side of this is that consumers win in a bear market; as dealerships close prices of large, used SUVs and even midsized cars are down, and there should be more vehicles on lots due to slowing sales.
• improving reliability: Although used vehicles typically don't carry the same warranties as new ones, the original factory warranty on a new car is transferable to a second owner, usually at no charge. Buyers of certified pre-owned cars from an authorized dealer can purchase a late-model used car with the original warranty and then choose to add to it. The combination of a glut of late-model used vehicles, the greater reliability and durability of vehicles, and the availability of warranties make buying a used car less of a gamble.
• just like new: Another trend that makes buying used a better option is the proliferation of certified pre-owned programs. The idea started with luxury brands such as Lexus and Mercedes-Benz and has become a popular alternative for car buyers.

Maintain Your Air Conditioning

If you've ever lost your air conditioning on a hot summer day, then you know what a big difference a little cool air makes. The best way to tell if your air conditioner has a problem is if it can't generate or maintain air temperatures that are 50 degrees Fahrenheit (10 degrees Celsius) below the ambient outside air temperature.

The most common cause of a malfunctioning air conditioning unit is a low level of refrigerant. This could be caused buy a leak somewhere in the system. Since modern air conditioning systems are complicated creatures, it's best to have a professional check out the problem.

The air conditioning maintenance industry has changed a lot since 1994, when the Federal government outlawed the use of a refrigerant called R-12, known by its brand name Freon. In the past, if your air conditioner wasn't blowing cool air, you'd head down to the service shop, they'd top your car off with a little Freon and you'd be on your way.

The problem is that Freon, a chlorofluorocarbon, is extremely destructive to the ozone layer. Most people needed Freon refills because they had leaks. By simply refilling the leaky air conditioning units, millions of pounds of Freon were entering the atmosphere every year.

If your car was built before 1994, then you need to have your refrigerant checked out by a licensed professional who knows how to dispose of or recycle the material. In some states, it's illegal to refill a leaky system with R-12. However, even older cars can be easily retrofitted to use the newer, safer type of refrigerant called R-134a.

Check the Coolant and Radiator

Cars are designed to run hot, but there's a limit to how hot they should run. A combustion engine is most efficient at around 200 degrees Fahrenheit (93 degrees Celsius). But if an engine is allowed to get too hot, moving metal parts can actually start to melt and fuse together, causing a variety of internal problems for your engine -- and, you guessed it, a hefty repair bill.

Luckily, all modern cars have an ingenious cooling system that uses a chemical coolant, called antifreeze, and a series of pumps, hoses, thermostats and fans to keep the car at its optimal running temperature. But any problems with this system -- low coolant levels, cracked hoses, loose or broken belts, a leak in the radiator or even a loose or missing radiator cap can cause your car to overheat and break down.

The summertime is tough on cooling systems. Sitting in traffic on a hot day is one of the quickest ways to overheat your car. This is because there's no air flowing across the engine to help keep it cool. A well-tuned cooling system can take long idles in hot weather, but if you have low coolant levels or a busted fan belt, your engine temperature is going to go up -- and fast.

Check under the hood and make sure that your coolant levels are fine. The general rule is to flush your radiator and add new coolant at least every two years. Flushing the radiator is done with a special chemical that cleans debris and build-up on the inside of the radiator. For summer driving, coolant should be added as a 50/50 mixture of antifreeze and water. You can even buy premixed coolant so you don't have to bother with the measurements.

If you see a small puddle of coolant under your car when it's been parked for a while, then you have a coolant leak. Take it to the service station as soon as you can to get your system checked out.

Check Your Brakes

Your brakes are the single most important safety feature on your car. Don't put yourself or your family at risk this summer by riding around on worn down or faulty brakes.

Brakes need to be replaced when the lining on your brake pad or brake shoe is worn down past the minimum thickness specified by the car manufacturer or state law. You can have your brake linings checked at any normal service shop or at a brake specialist.

Here are some signs that your brakes need to be checked:

    Your brake pedal becomes very soft and mushy
    Your brake pedal is very hard and resistant
    Your brake pedal rests too low or too high
    Indication or warning lights on the dashboard
    Loud and constant scraping and grinding sounds coming from the brakes

Interestingly, squealing brakes are not necessarily a sign of a problem. Brakes squeal and squeak for a wide variety of reasons, including moisture on the brake pads, discs, shoes and drums. You should only become concerned if the squealing becomes a scraping or grinding noise. This is a sign of metal-to-metal contact, which can permanently damage brake parts.

If you notice a brake problem, it pays to have it inspected or repaired as soon as possible. The cost of a brake repair can increase dramatically if even minor problems aren't fixed in a timely manner.

Check Hoses and Belts

The key to summer driving is keeping the engine cool. We're going to talk about the radiator and coolant soon, but first you need to check the hoses and belts. The hoses connected to the radiator help pump coolant to and from the engine block, and the belts run the fan that helps cool the system further. If the hoses crack or the belts snap, the radiator will quickly overheat, leaving you stranded.

Check hoses for cracks, leaks and loose connections. Hoses should be firm, never soft and malleable. Hoses suffer from a slow deterioration process called electrochemical degradation (ECD) that eats away at rubber hose material from the inside. The most vulnerable parts of the hose are those nearest to clamps where the hose connects to the radiator or the engine.

Belts can also be visually checked for cracks and damage. Take note if the belt looks excessively slick or smooth. Remove the belt to make sure that the material hasn't started separating into different layers. Experts say the risk of belt failure rises dramatically after 36,000 miles (57,936 kilometers).

Change Oil and Oil Filter

Oil is the lifeblood of your car. It keeps hardworking engine parts running clean, smooth and cool. Most owner's manuals suggest that you change your oil and oil filter every 7,500 miles (12,070 kilometers). Oil change specialists suggest every 3,000 miles (4,828 kilometers) or three months. The fact is, most of us do a lot of heavy driving during the summer when an engine is more likely to overheat. So at least check your oil before you head out on that road trip with the family.

To check your oil, let your car run for a few minutes, then park it on a level surface and shut off the engine. Open the hood and locate the oil dipstick. You're looking for two things here: the level of oil and how the oil looks. If you're low on oil, you can either add another quart or simply change the oil completely. The oil should look brownish yellow and clean on the stick. If the oil is a dark color or there's a lot of dirt and grime in it, then you definitely need an oil change and oil filter replacement.

Run your AC in winter

To keep your car’s air-conditioning system fit for the next warm season, run it a few times throughout the winter. This will prevent moving parts in the compressor from seizing. Also, circulating the refrigerant will help keep the seals soft and pliant.

Clean your engine

There are several reasons to wash your engine at least every year or two. A clean engine will run cooler than a dirty one. You’ll be more apt to tackle routine belt and hose checks and the like if you know you won’t get covered with grime every time you do so. A clean engine will also make it much easier to spot leaks and to service components. Remember to protect sensitive engine components — including the air intake, distributor, and electrical parts — with plastic bags before getting started. Use dishwashing liquid or other grease-cutting detergents and a bristle brush to scrub engine and components surfaces. Rinse thoroughly. Heavy-duty engine cleaning products are available at automotive parts stores. Follow the directions carefully. You may also have your engine professionally steam cleaned.

Beware the wet thumb

If you top off your tires at a service station, check to see if there’s moisture coming from the air pump. Simply depress the pin inside the inflator valve with your thumbnail. If your thumb gets wet, advise the station manager that his tanks need to be drained and go to a different station. Moisture, trapped inside a tire, can cause pressure variations and corrode rims.

Maintain proper inflation

Under-inflated tires are a tire salesman’s best friend. They create excessive heat and stress that can lead to tire failure. If you want to get every last mile out of your tires, get yourself a tire pressure gauge and use it at least once a month (more in hot weather) to keep your tires inflated to the recommendation in the vehicle’s owner’s manual. Check tires when they are cold (driven for less than one mile) for an accurate reading.

Wax to protect your car’s paint job

No way around it! Waxing your car is work. But it’s satisfying work that will help keep your car looking new. Car wax preserves paint by slowing oxidation and forming a barrier against bird droppings, sap, and pollution. Plus driving a nice shiny car is just plain fun.
Here’s what to do to ensure the maximum in protection:

• Liquid and spray waxes are tempting to use — they make the car shiny with less work than rubbing in paste wax. But there’s still no beating paste wax for the hardest, longest-lasting finish. Look for paste with a high carnauba wax content.
• Apply a thin, even coat of wax to the car’s surfaces with a damp sponge. Avoid applying too much, or it will be difficult to remove and some residue will inevitably mar your finish.
• To avoid fine scratches, use a clean, soft cotton or microfiber cloth to remove wax once it has dried.
• Apply an extra coat of wax to the nose and hood. The wax film in these areas wears away quickly.