What is the RSVP Rule for Car Buyers of Texas?

The party invites start coming as soon as the Holiday Season begins. And, the number one party rule is to fill out the RSVP card and send it to the host. 

The RSVP rule is important even when you decide to buy a car. Do not get confused. The car buying RSVP stands for R-Research, S-Select, V-Visit the Dealer and P-Pre-Approved Texas Auto Loans. 

R-Research

 

For making a successful car purchase in Texas, research is the key. It will not only help you in buying a reliable and useful car but it will also help you in saving money. Start your research in the following way to ensure success: 

1. Decide your car budget by considering your income and expenses.

2. Search for every car make and model that is within your budget.

3. Go to the manufacturer’s website and find online reviews of the cars that interest you.

4. Once you have shortlisted a few cars, concentrate on finding the lowest price for the cars. 

Note: If you are researching for used cars, do not be afraid of buying a car outside of Texas. If the demand for the car that you want to buy is less in another state, it might actually be cheaper to buy the car from an out-of-state-dealership than to buy it from a local Texan dealership. 

S-Select 

 

Once you are ready with the list of your preferred cars, it is time to select a few cars that satisfy your requirements. Remember that your selection should not be on the basis of price only. Here are a few other factors that play a major role in the car selection process: 

>>Number of Passengers

>>Type of Driving - highway, surface streets, off-road, etc.

>>Driving Conditions

>>Fuel Economy

>>Need for All-Wheel Drive

>>Safety Features

>>Cargo Capacity

>>Available Parking Space

Note: Remember to choose more than one car because it will help you in completing the car buying process even if your favorite car is unavailable. 

V-Visit the Dealer

 

Once you have shortlisted a few cars, it is time to visit the dealers and examine the cars. 

Today, car buyers avoid going to the Texan dealership lots by calling the dealer or emailing him for quotes. Even though it is possible to buy a car entirely over the phone or internet, it is not advisable to do so. Test-drive is an essential part of the car buying process. Even if you have read multiple reviews of a car online, it is hard to know how you feel about a car without driving it. So, do not forget to visit the dealer. 

P-Pre-Approved Texas Auto Loan

 

The average price of a new car is $33,560 and you can obtain a reliable used car for an average price of $15,900. The higher prices of a new car as well as a used car manifest the inevitability of a Texas auto loan. 

It is advisable to obtain a pre-approved Texas auto loan so that you do not have to wait for buying a car. With the advent of the internet, you can obtain pre-approval by submitting your loan requirements on the website of an auto financing company. 

Note: If you have bad credit history, ensure that the bad credit auto financing company provides pre-approved Texas auto loans to people with credit issues. Also, do not forget to check the security of the website. 

Buying a car is a big financial decision and any mistake can damage your financial stability. So, it is important that you follow the RSVP rule and make your car buying process simple and successful.

Car Destination is a reputed online auto financing company of the Lone Star State. It has a wide experience of dealing with credit issues and it will leave no stone unturned in finding you Texas bad credit auto loans. It will also assist you with Houston bad credit car financing. Apply now.

Southeast Texas Auto Theft Task Force’s warning to Car Owners

The Holiday Season is upon us! It is the Season of giving gifts, receiving presents and spreading joy. Sadly, it is also the Season of Burglary. 

Southeast Texas Auto Theft Task Force has announced that an unlocked car is an open door for theft of holiday gifts that are lying unattended inside the vehicle. 

The laid-back attitude of Texan car owners is evident by the numbers. Auto Theft Investigator, Ron Ross, informed, “Every two minutes, a vehicle is burglarized in Texas with its contents stolen.” 

Most burglars hang around in the parking lots of shopping malls and mega stores. They wait for an opportunity to break into your vehicle and steal gifts and other important items. 

In 2014, area law enforcement responded to more than 2,100 reports of auto burglary. It is also important to note that not only burglary of belongings but auto theft cases rise during the Holiday Season. Last year, 782 auto theft cases were registered in Texas. 

What is the reason of Increased Burglary and Auto Theft Cases?

Holidays Season means finishing an extensive shopping list and buying gifts for almost everyone. In such a taxing situation, car owners often ignore the safety of the car and its belongings. The lax and easy-going attitude is the most important reason for rising burglary and auto theft cases in Texas. Many leave their cars unattended with keys inside which gives a golden opportunity to thieves. 

It’s your Responsibility to keep your Car Safe

 

If you keep your keys inside the car, it can lead to a citation with a $200 fine. So, it is always wise (financially and otherwise), to lock your car and keep your keys with you. Also, it is important to hide your belongings from the thieves. 

Prevention is better than Cure

Crying over spilled milk is of no use. It is important that you keep your car and its belongings safe from the prying eyes of thieves. But, remember locking your car and carrying your keys with you is not the only option. Learn more about keeping your car safe during holidays here. 

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The Guide to an Affordable Auto Loan in New York

CNBC published a report on America’s most expensive states to live in 2015. And, the New York State is at number 3. Living in the Empire State is to live a royal life. Everything from a house to a cup of coffee will cost a fortune in the state. And, buying a car is expensive in New York as well. 

What is the cost of buying a Car in New York?

The cost of buying a new car depends on the make and model that you choose. But, the approximate cost will be the total of the following expenses: 

Initial Cost of Owning a Car in New York

>>$33560 - Average price of new car
>>$50 - Title Fee of New York State DMV
>>$25 - License Plate Fee of New York State DMV
>>Other Taxes

Annual Cost of Owning a Car in New York

>>$1196– Average Annual Car Insurance
>>$365 – Repairs
>>$713 – Gas

Now, you cannot reduce the cost related to the New York State DMV fees, insurance or maintenance. But, you can avoid an expensive car purchase by opting for an affordable auto loan in New York. 

How to obtain an Affordable Auto Loan in New York State? 

Choosing a car is an emotional decision for people. So, it is important that you keep your emotions in check and buy a car that doesn’t put a pressure on your wallet. Here’s how to work towards obtaining low rate auto loan in New York State:

Spending Plan

You must prepare a spending plan that includes information of your monthly income and expenses. Make a list of your total monthly income that includes income from your job as well as investments. Remember to include all your expenses such as food, rent, utility bills, etc. to your total monthly expense. Once you calculate your monthly income and expense, you will be able to allocate a monthly budget for your car-related expenses. 

Monthly Payment

 

Once you create your spending plan, you will be able to estimate a comfortable monthly payment amount. Make sure that you stick to the comfortable amount because if you opt for a New York auto loan with higher monthly payment amount, you will face financial trouble.

Down Payment

Down payment helps a New York car buyer in the following ways: 

1. It reduces the total auto loan amount.
2. It reduces the loan-to-value (LTV) ratio.
3. It manifests a stable financial condition to the lender.
4. It reduces the interest rate.
5. It reduces the chances of an upside down auto loan. 

If you are buying a new car in New York State, 20% down payment is ideal. And, if you are interested in a used car, it is okay to have at least 10% down payment. 

Trade-in

By opting for a trade-in, you will be able to reduce your total loan amount. The option is ideal for those NY car buyers who do not have adequate down payment. 

Before trading your old car for a new one, ascertain the selling price of your old car. If a car buyer is willing to give you a higher price than the dealer, sell it and use the money for down payment. 

Buying a car is expensive in New York State. But, if you work hard to make your New York auto loan affordable, you can avoid an expensive car purchase. 

Car Destination is NY’s trusted bad credit auto loan expert. It will help you obtain quick bad credit auto loans Bronxville as well make your car buying experience stress-free. Apply now for low rate Hempstead car loans.