Carpooling Should be Called Car “Cool” ing

The carpool.  When this word comes to mind you can imagine four adults slowly sipping coffee, one on their phone having a lengthy conversation with a significant other, another half asleep, hot coffee spilling into their lap and…well you get the idea.  Carpooling isn’t ideal in a lot of individuals’ eyes.  People show up late, complain, and touch your radio settings without warning.  Many would call it a burden.  The carpool should be more popular than it is, but it hasn’t seemed to catch on or so WE think.  According to recent federal government studies, 10-16 million commuters use carpooling as their principal means of transportation to work every year. That's two to three times the number of people who use public transportation.  Not too bad if you ask me, but it could be better.

Carpooling isn’t as bad as you think, there are countless benefits to riding with a co-worker.  The best incentive is financial.  The AAA estimates that “operating costs (gas, tires and maintenance) average 14.1 cents per mile for 2005, all of which are shared in a carpool. If ownership costs — such as insurance, depreciation, finance charges, and taxes — are also shared, the economic benefits skyrocket. Additionally, many employers offer financial incentives for employees who share their rides to work.”  Websites like http://www.rideshareonline.com/ will match people based on location.  You should set ground rules to avoid conflict and follow these tips provided by Edmunds.com.

·      Print driver schedules

·      Create policies on stereo, AC, Cell phones…

·      Set rules for latecomers

·      Advance notice for vacation

·      Establish a back up plan

A successful carpool takes a bit of work, but can make life a whole lot easier.  Good luck, guys!!!

7 Things You Should Have in Your Car

            Ok, as an individual who enjoys a tidy workspace, I can understand why you wouldn’t want to be compared to the vehicle equivalent of the individuals on the TV show: “Hoarders.”  We also want you to keep safe while you make your daily commute, so we’re feeling a bit conflicted.  In most cases, your vehicle is well equipped with the necessary tools to run smoothly.  In today’s blog, with help from The Simple Dollar, we provide a list of some extra essentials that could aid you daily.

1.    Owner’s manual This should naturally be in your glove compartment anyway, but you want to make sure that it is indeed in your car.

2.    Maps Keep a detailed map of the state you’re in in your car at all times – or even a current atlas if you have room. Don’t completely rely on a GPS navigation system.

3.    First aid kit (and manual) This can be vital if you’re in an accident and someone has injuries. Slowing down bleeding quickly can mean the difference between walking something off and going into shock.

4.    Flashlight (and extra batteries) Similarly, a flashlight is utterly essential at night if you need to change a tire.

5.    Bottled water This is necessary for sustenance if you get stuck somewhere and have to wait for a while.

6.    Food! Non-perishables, need we say more?

7.    Umbrella stay dry, my friends.

Smartphone App of the Week: CarBUZZ

Ok, so you’re sitting down at the doctor’s office waiting for your appointment.  Your seat is uncomfortable, you have the urge to sneeze and the little boy across the room is eyeing you with an evil disposition.  Thanks to CarBUZZ, an online automotive authority, your troubles are over.  While waiting, you can take advantage of this downtime by downloading the FREE CarBUZZ app for your smartphone.  It’s an amazing way for car enthusiasts to enjoy the latest reviews, editorials, and news from the automotive industry via a mobile medium.  According to CarBuzz:

“Readers will be immersed in a wide variety of articles, providing opinions and reviews on the latest and most exciting vehicles, as well as daily news updates encompassing everything from the automotive world.

CarBuzz is compatible with the iPhone, iPod Touch, iPad and Android powered devices.”

Check it out! http://itunes.apple.com/us/app/carbuzz-958-cars-inside/id387682790?mt=8

This week's featured smartphone app is CarBUZZ, an awesome free app that keeps you informed!!! Download it FREE here

Steps to Buying GREAT Auto Insurance

We’re car people.  From the accents and contours of a vehicle, to the drive and adrenaline of a fast car, we have a certain appreciation for the automotive machine.  As our passion, we’re great at finding a perfect fit for our customers.  When it comes to auto insurance, you want to be covered in the case you get into a fender bender.  So, in an effort to ease the burden, we’re providing 5 tips for finding the right coverage at the right price.  By doing some comparison shopping, you could save hundreds a year.  

Find the Right Coverage

Your first step should be to find a list of what is required in the state.  You can visit this link to find out: http://www.edmunds.com/auto-insurance/how-much-car-insurance-do-you-need.html this will provide the minimum of what is required. Once you have that, you should decide what insurance premium you need.  Your decision depends on your degree of comfort and a certain level of risk.  According to Edmunds:

“Experts recommend that if you have a lot of assets, you should get enough liability coverage to protect them. Let's say you have $50,000 of bodily injury liability coverage but $100,000 in personal assets. If you're at fault in an accident, attorneys for the other party could go after you for the $50,000 in medical bills that aren't covered by your policy.”

Also, you don’t have to buy collision and comprehensive damage, especially if your vehicle is older than 2000.

Check Your Driving Record

How many tickets have you had recently? By checking your state’s department of motor vehicles, you can have a better idea of how you stack up.  For example, if points you earned on your license are about to disappear, this will improve your driving record.  So, we would recommend you wait until that happens before you receive quotes.

Solicit Competitive Quotes

You will need:

o   Current Policy

o   License Number

o   Vehicle Registration

Check out insurance company websites and receive a quote.  It’s easy to type in your information and build a list of companies for comparative quotes.  Each quote takes about 15 minutes to complete, but shopping around can save you hundreds.  Think about the annual and monthly rates for different types of coverage, note the 800 number so you can get more direct answers, and pay close attention to the insurance company payment policy. 

These are just a few tips to get you started.  For more info visit your favorite insurance company website for details.

5 Reasons to Lease your next vehicle that your grandfather would be proud of!

My grandfather was never a fan of purchasing a new car, however he didn’t understand computers either.  I think you would agree that we are a lot smarter than our Grandparents were.  We are in the information phase.  We know more now than ever before so why do so many people insist on purchasing a new car and think like our Grandparents…”Lease Bah! Humbug!  You’ll never own it!” my grandfather would say.  If he were around today I would argue 5 strong points on why a lease is the way to go. 

Reason 1.) You only pay for the ½ of the car you’re using.  The average driver trades in their vehicle within 3 years of using it.  You don’t own the car until it’s paid for.  The bank owns your car for typically 5 years.   So leasing provides you freedom to walk away.

Reason 2.) Walking away is sometimes better! If for whatever happens in the auto industry that makes a vehicle become less of a value than Kelley Blue Book, there is a risk for losing money on a purchased car. If you lease you give up the car after the lease is over without it affecting you. A vehicle aslo depreciates in value the second you drive it off the lot. With a leased car, you aren’t soaking up the negative equity. The moral of the story is “Cars are not investments Grandpa”!

Reason 3.) You can’t put over the mileage on them.  The average commuter only racks up 12K miles per year on their vehicle. The leasing programs tailored the allotted mileage based off the averages.  If you think you might drive more than 12k per month then ask us about other incentives for driving more than 12k.  Most manufactures offer a higher mileage program.

Reason 4.) You are always in warranty and never have to worry about repairs when you lease.  Almost every manufacturers warranty is 3 years of 36k miles whichever comes first.  The lease is in line with the warranty for good reason.  This makes the manufacturer eligible to sell the vehicle again after it passes a 100point inspection.

Reason 5.) You can purchase and sell your leased car.  That’s right you can purchase the car if you decide to keep the vehicle.  If you should decide to purchase your leased car, you will then be buying a used car.  So essentially the manufacturer absorbed the negative equity the car may have had. You can also sell your leased car to someone. Track down the exact dollar amount you'll need to pay to purchase the car at the end of the lease. In many contracts, this means the car's residual value plus a purchase-option fee ranging from $300 to $600.  Call us today and we’ll tell you the rest!  (888) 691-0446

P.S. Grandpa was smart, but he wasn’t always right! 

12 tips you should know before driving in another country

While we love to travel preparing for our trip should include transportation and not everyone wants to take the bus tours.  So it makes perfect sense to do your homework before renting a car or even taking the company car when driving in other countries.  These tips should be helpful and prevent you from being served a fine or even being tossed in jail. 

The following are some tips on driving in other countries:

·      Check to see if the rental car takes diesel or gas (this can be a costly mistake if you use the wrong one)

·      Create a travel file with proper documentation

·      Find out if you need an IDP or International Driving Permit (this is used with your valid drivers license

·      Some countries require a Test Pass Certificate

·      Most countries you must be over 18 to drive

·      Research the rules on Drinking and Driving (some laws prevent you from having a drop of alcohol)

·      Find out if the police are allowed to collect on the spot fees

·      When getting insurance coverage double check to prevent paying for additional coverage that maybe covered by your credit card

·      Before driving off check for the original vehicle registration

·      You may also need to carry a Vehicle on Hire Certificate

·      Be sure to check for any additional safety equipment and requirements. (In Germany you need to carry a Warning Triangle and in Italy you need to have a Drivers Safety Vest)

·      Even if you are allowed to use your company car, ask for a letter of authorization to be given to you.  This letter must come from the registered party

These are just a few items to be aware of if you travel.  It always makes sense to prepare ahead of time and to know that the old saying goes “When in Rome, do as the Romans do”. 

Give us a call for to find out more information 888-691-0446

7 facts about texting that can save a life

 7 Facts About Texting That Can Save a Life

Multitasking has increased in the last few years to astronomical heights.  With one hand and a smartphone you can watch a YouTube video, send an email, play a game, voice chat and place a call in a five-minute span.  However, with much power comes much responsibility because NOW that we have this access 24-7, it has carried over into our driving habits. 

For some time, researchers have been telling us to focus only on driving, quoting a greatly increased chance of accident, injury and death when we distractedly call a friend or answer a ringing cell phone.

Now, new research has revealed the most dangerous driver distraction of all: texting.

A study by the Virginia Tech Transportation Institute, along with prior studies by Liberty Mutual Insurance and state-funded organizations located online, reveals the shocking statistics of texting behind the wheel:

·      Texting while driving increases the risk of accident 23.2 times over unimpaired driving.

·      Texting while driving results in longer response times than even drunken driving. While an unimpaired driver can respond quickly to changes in traffic and begin braking within half a second, a legally drunk driver needs four additional feet to begin braking—and a driver who’s texting needs 70.

·      In the moments before a crash or near crash, drivers typically spend nearly five seconds looking at their mobile devices—enough time at typical highway speeds to cover more area than the length of a football field.

·      Though 95 percent of drivers surveyed said texting behind the wheel was unacceptable and unsafe, at least 21 percent admit to doing it anyway.

·      Especially amongst teens, texting results in erratic driving behavior, like lane weaving and speeding up and down, increasing the likelihood of hurting pedestrians and running into other vehicles.

·      Texting behind the wheel is generational: 37 percent of drivers 18 to 27 admit to texting while driving, compared to 14 percent of 28 to 44 year olds, and 2 percent of 45 to 60 year olds.

·      An accident can happen in two to three seconds while texting.