Thursday, September 30, 2010

Halloween Bash Details

Earlier this week we talked about the haunted house and the Halloween celebration that is going to be held at Manly Automotive on Corby Avenue in Santa Rosa, California. You already know that it is going to be one scary haunted house that opens at Manly Automotive on October 8th, but do you know what all is going to be there? Here are some more details to help make you even more scared about coming to the Halloween celebration - and even more likely to be there. 

Here's the back story. 

While you are traveling down Route 666 late one evening, driving along deep in the bayou in a remote section of the backwater slough, you see a small sign pointing to a road side attraction. You decide to stop and take a look. 

You enter the shanty and enter the macabre world of the Hunter Family. You meet the members as you walk through the dingy halls, and see the strange and unusual artifacts that they have been collecting for years. You'll see and smell this sideshow of terror and discover that the Hunter Family were friends of Ripley. 

There will be three attractions at the Halloween bash. One is the Blind Scream. This is a black out maze that is huge. It's about 6400 square feet. And you will have to use a glow stick to get through it. 

Not creepy enough? Add Doc's Horrortorium, which is a museum like haunted house. You'll see things you never though possible. Things you probably won't want to see again. 

Then there is The Last Ride. This is a coffin ride. It takes about 3 minutes and is like you are truly being buried alive. You will actually enter a real coffin and experience the sights and smells that will make it seem all too real. 

Now that you have a few more details, get ready to be scared and have fun, all starting this October 8!

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Wednesday, September 29, 2010

The Hyundai Assurance

When you buy a new car, you want to know that you're getting the very best for your money. After all, that's your hard-earned money you're spending, and you don't want to spend it on anything but the best. You can relax when you buy a Hyundai. Not only will you get America's Best Warranty, but you will also get the Hyundai Assurance. 

What is Hyundai Assurance? Simply put, it's protection from the economy. To get Hyundai Assurance, just buy or lease a new Hyundai. If you lose your income in the next year, you will be able to bring the vehicle back. Now you know that there's an automaker who's got your back when times are tough. 

For 12 months you can enjoy coverage at no charge, no matter your employment history, age, or health when you lease or finance a new Hyundai. This gives you financial freedom when you most need it. Just return you Hyundai and you can walk away from negative equity - up to $7,500. And still keep your savings intact and keep your credit rating! 

Every new Hyundai has 12 months of Hyundai Assurance. If certain events occur, you have the option of returning your Hyundai and simply walking away without damage to your credit rating or draining your savings account. 

The covered events are: 
  • Involuntary Unemployment
  • Accidental Death
  • Self-Employed Personal Bankruptcy
  • Physical Disability
  • International Employment Transfer
  • Loss of Driver's License due to Medical Impairment

When you need a vehicle, you can trust Hyundai to be there for you, no matter what times may bring. 

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Tuesday, September 28, 2010

Halloween Bash

At Manly Auto, we love Halloween. That's why we're planning a celebration for Halloween that starts October 8th. Come and prepared to be terrified!

Starting October 8th, come and enjoy the Blind Scream Haunted House, designed by the same people who created the Hopper House of Horror. The story behind the haunted house is that a young boy's childhood took an unexpected and strange turn, changing him into a mad doctor. As you walk through the haunted house, expect to see terrifying experiments and a few other surprises. What kind of surprises? How about the residents themselves? Or a horrifying dinner? 

Also featured is Doc's Horrortorium and The Last Ride. The Halloween celebration will be held at the Manly Used Car Superstore on Corby Avenue in Santa Rosa, California. You can call for more details at 707-636-0500 or visit our website to watch a video and get a glimpse of just what you can expect when you wander through the haunted house. 

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Monday, September 27, 2010

New Lease Specials

Great news for those who want a new Honda! For a limited time, come and take advantage of our new lease special. 

While all of our Honda vehicles are not only certified but affordable, we have a special on brand new Hondas where you can drive away with a new Honda with no money down. Instead of paying $1500 or $3000 as a down payment to lease a new car, just come and talk to us. 

Remember that this is just for a limited time, but it's a great offer. $0 down payment, $0 security deposit, $0 first month's payment, and $0 due at the lease signing. Want to know something else great? For 60 months, your interest rate is also at 0% .

Now you may be wondering just what kinds of vehicles can you possibly get for a deal like that. Unlike some car dealers, Manly Honda only offers the best. All of our models are eligible for this $0 down, 0% interest for 60 months deal, and this includes brand new models.

Perhaps you want a 2010 Honda Accord Sedan or a 2010 Honda Civic Sedan. Need something else? How about a 2010 Honda Fit, also available for the great price. 

Get in touch with us for the complete details about this great new lease deal but hurry - it will only be around for a limited time!

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Friday, September 24, 2010

2011 Mitsubishi Eclipse

The 2011 Mitsubishi Eclipse is an incredible car that is as powerful as it is affordable. In fact, it's amazing that the Eclipse doesn't cost more.

There are three trims to choose from on the Mitsubishi Eclipse: the GS, GS Sport, and GT. Standard on all three are great features like ice-blue LED illumination of the console and instruments. There is a soft-touch wave-form cockpit and roof is painted black. Look bad to the bone with the integrated clear and chrome rear spoiler, exotic styling including a black grille, and dual exhaust outlets with polished tips. Ride in safety with 4-wheel disc brakes with ABS and EBD as well as Active Stability Control with Tracion Control (ASC).

The GS, which starts at $18,999 has all the standard features and includes a 2.4-liter, 162-horsepower 4-cylinder MIVEC engine. Choose from a 5-speed manual or a 4-speed Sportronic automatic transmission. The GS comes complete with dual exhaust outlets, 18-inch alloy wheels and a high-mount center LCD audio display that includes a clock.

The Eclipse GS Sport, starting at $24,928, has all the standard features as well as a 4-speed Sportronic automatic transmission and 162-horsepower MIVEC engine. It also has 18-inch alloy wheels. This trim includes High-Intensity Discharge (HID) projector headlamps and heated front leather seats with a 6-way power driver's seat.

The Eclipse GT has all the featurs of the GS Sport, but the engine is a 3.8-liter, 265-horsepower V6 MIVEC engine and the transmission is a 5-speed Sportronic automatic. The price starts at $29,408 for the GT.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Thursday, September 23, 2010

2011 Hyundai Azera

Hyundai vehicles go above and beyond the competition. This is definetly true of the 2011 Hyundai Azera. The Azera is available in two trims – the GLS and the Limited. The MSRP pricing for the GLS is $25,495 and for the Limited it is $30,095. This is an attractive car that is perfect for families who don't want a mini-van but don't want to skimp on features. It's also great for anyone who wants an affordable car with all the latest features.

There are many safety features that the two trims share. Both models have electronic stability and traction control systems. 4 wheel anti-lock brakes with brake assist and electronic brake-force distribution also come standard. Both models have driver and front passenger airbags, as well as an occupant classification system that alerts the car if there is a child or person of small-stature in the front. Front side-impact, second row side, and side head curtain airbags complete the airbag safety the car offers. The front seatbeltes have pretensioners and height adjusters, while both the front and rear seat belts are 3 point. For children, there is the rear LATCH restraint for carseats and booster seats as well as childproof locks in the rear. There is also an anti-trap device in the trunk. For those concerned about theft, the Azera offers an anti-theft device – an alarm and engine immobilizer.

Both vehicles offer a power sunroof/moonroof. Optionally you can get front power glass tilt and slide sunroof. Automatic headlights come standard as do fog lights and power adjustable, folding or breakaway, and heated exterior mirrors. The windshield wipers are speed-sensitive and there is a windshield wiper de-icer. Remote keyless entry with a panic button or alarm as well as a remote decklid or trunk release and remote fuel door are standard features. You will also get a rear window defogger and tinted glass.

A dual-zone automatic climate control is standard as is an air filter and hvac ducts in the rear. Power windows and door locks, an adjustable steering column, and leather wrapped steering wheel are also standard. You can enjoy lots of storage with door and lower console storage and there is lots of lighting – illuminated instrument panels, reading light, delayed courtesy light, and more. You'll even know what the temperature is outside the car.

Sit back and enjoy XM satellite radio or cds or even mp3s. Optionally you can get speed-sensitive volume control on the Limited trim and a hands-free phone system is optional on both models. Seat 5 comfortably in cloth or leather seats (leather is optional on the GLS) and enjoy plenty of cargo room with folding second row seats.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Wednesday, September 22, 2010

2010 Honda Accord Crosstour

Everyone wants to know what the next new car is, but you can't forget about this year's models. The 2010 Honda Accord Crosstour is an excellent car for anyone who enjoys power, beauty, and all at a manageable price.

There are three trims to choose from: the 2WD EX, 2WD EX-L and 4WD EX-L.

The base model is the 2WD EX and the starting price for this car is $29,670. You get a 271-horsepower engine, Variable Cylinder Management, active sound control, a 6-disc CD player in the dashboard with a MP#/Auxilliary Input Jack. You will also get fog lights and double wishbone front and independent multi-link rear suspension. The automatic climate control is dual-zone and there is audio controls mounted and illuminated on the steering wheel. Enjoy the moonroof with the push of a button and put it on cruise control.
The rear has privacy glass and both of the front seats are power adjustable. The driver's side has 10-way Power Adjustment, including lumbar support, and the passenger seat has 4-way power adjustment. Want to hide your wallet? There's a hidden and removable utility box. The body structure is the patented Advanced Compatibility Engineering (ACE) structure. With anti-lock brakes, front side and side curtain airbags with rollover sensor, a tire pressure monitoring system and active head restraints on the front passenger and the driver's seat, you can be sure that you're safe as you ride.

The 2WD EX-L either adds to or replaces some of the features on the 2WD EX. For example, with the 2WD EX-L, you get leather trimmed seats and both the steering wheel and shift knob are leather wrapped. The headlights are projector-beam halogens with auto on/off and there is a HomeLink remote system. The review mirror automatically dims lights from behind you and you can enjoy XM radio. Talk hands free thanks to Bluetooth and enjoy your MP3s with the USB audio interface. If you want, you can get a satellite-linked navigation system that has voice recognition and steering wheel mounted controls, as well as a rearview camera with guidelines.

The major difference between the 4WD EX-L and the 2WD EX-L is the fact that there is a real time 4-wheel drive on the 4WD EX-L. Starting price for the EX-L is $32,570 and for the 4WD EX-L the starting price is $34,020. 

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Tuesday, September 21, 2010

2011 Honda Civic

The 2011 Honda Civic is an incredible car that invites stares. The forward-thinking design has an edge that sets it apart from other cars. The honeycomb front grille is the first thing you see, along with a rear decklid spoiler, sporty 16-inch alloy wheels, and much more. The Civic Sedan has sleek lines, short front and rear overhangs, and a long, low windshield that makes this car a real beauty.

Inside, the Civic has gadgets that will please anyone. The EX and EX-L offers you a USB Audio Interface so that you can bring along your music library. The EX and EX-L allows you to add the Honda Satellite-Linked Navigation System, that is complete with voice recognition so that you will never get lost again. Want to call ahead for those reservations? Then use the Bluetooth HandsFreeLink.

The EX-L offers a leather-trimmed cabin with headed front seats. If you want a more sporty look, the LX-S has silver stitching on black upholstery and a steering wheel wrapped in perforated leather.

There is a two-tier instrument panel which displays all the information you could want and allows you to focus on the road. Don't worry about inviting your friends when you go out for the weekend. Five people can comfortably sit in the Civic, thanks to the rear floor which is flat.

Looking for power? The Civic has a 140 horsepower, 1.8 liter, 16-valve SOHC i-VTEC engine. You get plenty of power while having great gas mileage. You can get 25 city/36 highway mpg.

Do you prefer automatic or manual transmissions? You can choose either one with the Honda Civic. You can choose between a 5-speed manual for more control, or a smooth 5-speed automatic.

With steering systems and suspension that is greatly sophisticated, you can expect the Civic to be both agile and responsive. The DX and LX models have powerful braking with the front disc and rear drum brakes and the EX has discs all around.

Want safety? The Civic keeps you safe while letting you have fun driving. Each Civic has dual-stage, mutilple-threshold front airbags, front side airbags, and side-curtain airbags. On the passenger's side, the front side airbag has an Occupant Position Detection System (OPDS) that will keep it from deploying if the occupants is a small-statured person or a child, which avoids injuries.

The body is made using Civic's Advance Compatibility Engineering (ACE). This keeps occupants safer and there is a great crash compatibility in the case of frontal collisions.

The Vehicle Stability Assist (VSA), which comes standard on the EX-L, detects oversteering or understeering and will brake individual wheels. It also will reduce engine speed as needed in order to make sure you stay on your path and don't lose control.

Anti-lock brakes help you stay in control while the Electronic Brake Distribution (EBD) will make sure only the appropriate braking force is used depending on how loaded the car is.
There are six trims you can choose from – DX, DX-VP, LX, LX-S, EX, and EX-L. Prices are low, starting at just $15,805 for the DX. The EX-L starts at $21,955 and the others fall somewhere in between.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Monday, September 20, 2010

2011 Honda CR-Z

 The 2011 Honda CR-Z is an attractive vehicle that gives you plenty of bang for your buck. The CR-Z is a combination of hybrid efficiency and the classic Honda sports coupe's performance and handling. It's also very fuel efficient – the CR-Z gets 35 mpg in the city and 39 on the highway.

You have a choice of three different trims with the CR-Z. You can choose the CR-Z, CR-Z EX or CR-Z EX with Navigation.

The standard Honda CR-Z has a 122 horsepower 1.5 liter, 16 valve i-VTEC engine that has Integrated Motor Assist (IMA.) It comes with a 160 Watt AM/FM/CD audio system complete with 6 speakers and an USB Audio interface. Depending on your mood, you can choose from three modes to drive in: Econ, Normal, and Sport. You get Eco Assist, Vehicle Stability Assist and traction control, side curtain airbags, a security system complete with remote entry, air conditioning that has an air filtration system, daytime running lights, and LED brake lights.

This car meets AT-PZEZ CARB Emissions ratings, has cruise control, stabilizer bars, 4-wheel disc brakes that are power-assisted. You'll find reminders about seat belts, an SRS system, active head restraints, anti-lock brakes, a monitoring system for your tire pressure, and side impact door beams. Power windows with the driver's side window switch illuminated as well as power door locks. The steering column can be tilted and adjusted. There are 3 beverage holders, side pocket bins, a defroster for the rear window, height adjusted driver's seat, cargo area light and cover, reclining seats and ambient console lighting. Gauges are backlit and the volume control is speed sensitive. You'll even find an indicator about the outside temperature and a maintenance reminder.

Pricing starts as low as $19,200 for a manual transmission.

The CR-Z EX adds a few features and replaces a few others on the original CR-Z. There are 7 speakers, including a subwoofer, in the audio system. There is a Bluetooth HandsFreeLink, fog lights, high-intensity discharge headlights that are auto-on/off, the steering wheel and shift knob are wrapped in leather and the aluminum pedals are textured. The vanity mirrors are illuminated and the tires are all season tires. Otherwise it's very much like the standard CR-Z.

Pricing starts at $20,760.

If you get the CR-Z EX with Navigation, then you get the CR-Z EX along with a navigation system that is linked to a satellite and uses voice recognition. 24 global position satellites are used in all and you can easily find 7 million points of interest, just by pushing a button on your steering wheel and speaking a command. You can get turn by turn directions on a clear, easy-to-see and understand screen.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook . Stop on over and visit us!

Friday, September 17, 2010

Minimum State Requirements for Auto Insurance

Every state has minimum requirements that you have to have when you buy auto insurance. These requirements vary from state to state, but they are the law in every state. When you move to another state, it is your responsibility to make sure that you meet that state's minimum requirements.

It's not always the best option to have the bare minimum when you buy insurance. In fact, your agent may tell you that.

For example, in Wyoming the minimum requirements for auto insurance are 25/50/20. The first two numbers are injury liability limits and the last number is the property damage liability limit. In an accident, every person injured would receive a maximum of up to 25,000 dollars with only 50,000 dollars available. So if there are 2 people who need it, then no problem. But if there are 3, then whoever files first will have access to the 50,000 dollars. You can be sued for the rest if the accident was determined to be your fault. The last number means that there is $20,000 available to cover any property damage.
It's easy to see that in some cases these limits will not cover everything you might be responsible for paying for, or that you need paid for. Below is a listing of each state, and the minimum amount of insurance it requires. This can be useful for those who want to get as much coverage as possible as well as for those who can only afford the minimum.

Minimum Car Insurance Requirements By State

Alaska 50/100/25
Alabama 25/50/25
Arkansas 25/50/25
Arizona 15/30/10
California 15/30/5
Colorado 25/50/15
Connecticut 20/40/10
Delaware 15/30/10
Florida 10/20/10
Georgia 25/50/25
Hawaii 20/40/10
Idaho 25/50/15
Illinois 20/40/15
Indiana 25/50/10
Iowa 20/40/15
Kansas 25/50/10
Kentucky 25/50/10
Louisiana 15/30/25
Maine 50/100/25
Maryland 20/40/15
Massachusetts 20/40/5
Michigan 20/40/10
Minnesota 30/60/10
Mississippi 25/50/25
Missouri 25/50/10
Montana 25/50/10
Nebraska 25/50/25
New Hampshire 25/50/25
New Jersey 15/30/5
New Mexico 25/50/10
Nevada 15/30/10
New York 25/50/10
North Carolina 30/60/25
North Dakota 25/50/25
Ohio 12.5/25/7.5
Oklahoma 25/50/25
Oregon 25/50/10
Pennsylvania 15/30/5
Rhode Island 25/50/25
South Carolina 25/50/25
South Dakota 25/50/25
Tennessee 25/50/15
Texas 25/50/25
Utah 25/65/15
Virginia 25/50/20
Vermont 25/50/10
Washington 25/50/10
Washington D.C. 25/50/10
Wisconsin 50/100/55
West Virginia 20/40/10
Wyoming 25/50/20

Thursday, September 16, 2010

Car Insurance Fraud

Car insurance fraud is a serious problem. If you find yourself a victim, you will end up paying higher premiums and could end up with a costly claim. Even worse, since scammers stage car accidents, you and your loved ones could end up paying with your lives. It is important to learn how to protect yourself from those who want to commit fraud.

Insurance fraud started when insurance was invented. There are even recorded incidents of fraud dating back to ancient Greece, where ship scuttling was a popular insurance scam. Insurance fraud traveled to England and then to America. With the introduction of cars, a whole new field for fraudulent claims was invented. Thanks to modern technology, many of the car accident claims that are made come from sophisticated organized crime rings, making them very difficult to detect. Don't think that this means you can't protect yourself. Whether the scam is coming from a crime ring or from an individual, there are steps you can take that will help you avoid becoming a scammer's victim.

To learn to protect yourself, you need to understand the kinds of insurance scams that are used. Set-up car accidents range from cars that stop on purpose in front of a driver in order to cause a rear-end accident to drivers who pretend that they are being helpful but are planning on causing an accident that will make the innocent party look guilty. Doctors and lawyers are sometimes involved in the scams.

Three of the most common scams are the fake helpers, staged rear-end car accidents, and adding damage. Let's look at these so that you will be aware of them.

Fake Helpers

These are drivers who pretend to be helpful but then cause an accident. They do such things as wave a driver into traffic, pretending to do something such as allowing them to turn or pass, but then they crash into the driver. When the time comes to file the claim, the scammer denies having waved the driver on. Sometimes fake helpers offer to help a driver find a lawyer, doctor, or auto repair shop. If this is the case, everyone is involved in the scam. You'll be charged outrageous rates at the body shop while the lawyer and doctor will lie to be able to collect more from your insurance company.

Staged Rear-End Car Accidents

This is where a scam driver gets in from of an innocent car and slams the brakes. This will cause the innocent driver to rear-end the scammer. While the scammer collects money for damages to their vehicle, they often also fake injuries so that they can collect even more money.

Adding Damage

In this kind of scam, the scam driver will add damages to their car. After an accident – and it doesn't matter whether the accident was staged or not – the scammer then goes to a different location where they add damage to their vehicle. They claim that it was done in the original accident and get a larger payout.

You need to be prepared because these scams can happen anywhere at any time. It is very important to be aware. Look out for drivers who seem to be following you or trying to examine your driving habits. Keep plenty of room in front of you so that you will be able to stop. If an accident occurs, take notes. Have notes about everything about the other car, the accident, and everyone that was in the cars. Have a disposable camera in your car – the glovebox is good spot – so that you can take photos of the damage that was done to both cars. This will help back up your claims if a scammer tries to take advantage of you. Trust your own judgment when you drive, not that of others. In other words, when someone waves you in, make your own judgments as to whether it really is safe to do so. You should also make sure that you tell your insurance company if you had any reason to think something was suspicious.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Wednesday, September 15, 2010

Tips on Auto Insurance Quotes

If you want to make the most of the money that you have, you should take a look at the car insurance that you are paying. Many times, as your life changes, you will find that you could have been saving money if you had looked around more often at other auto insurance quotes. You spend a lot of your hard-earned money on your car insurance, so it pays to look around and see if you can save some money. Here are some tips on getting quotes and when you should look.

1. Just Do It

Every year, car insurance rates go up down, sometimes by hundreds of dollars! This is why you need to compare rates from different companies often, because you don't want to be paying more than you need to. Yet that raises the question: How often is enough?

After certain life events, it's a good idea to compare some quotes. If your unhappy with your current company or your premium goes up, it's time to compare. Whenever you move, buy a new car, add a new driver, have in increase in assets or salary, or your marital status changes, you should check other companies' prices. If it's been 2 years since you last looked, check the rates.

Don't put off checking on new rates. Check as soon as something changes.

2. Prepare to Get the Quote

It's very easy to get a quote on car insurance. If you have everything that you need, you can get a quote in as little as seven minutes from a company's website. Sometimes it takes even less time.

In order to get a quote you need to have the Current Insurance Declarations Page, year, make, model, and VIN number of your cars, how many miles you drive annually and the distance to your workplace, how much any aftermarket or custom equipment is worth, and the type of any theft recovery or alarm devices. You will also have to provide information about every member of your household who is old enough to drive, including their name, occupation, gender, how many years they have held a license, and their Driver's License number. You will need to include information about violations or accidents from the past three years. Include the dates, who's fault it was, whether or not someone was hurt, and how much the claim was.

3. Get What You Need

Before you start looking at quotes for new auto insurance, you should first look at the insurance you currently have. Make sure that your current policy offers you the protection level you want, or at least what you need. To lower your rate, you can increase your deductible. You might want to increase the liability limits on your policy so that it will cover a new income level or a new home. If you own an older car, it is important to find out what the car is worth. Sometimes you can save money by dropping the collision coverage on older vehicles when the insurance costs more than the vehicle is worth.

4. Check for Discounts

Different car insurance companies offer different discounts. If you have more than one car on the policy or you have safety features like anti-lock brakes, most companies will give you a discount. You might also see discounts for completing defensive driving courses or having a young driver who has taken driver's education courses. For the best quotes, you should always ask for discounts because most of the time they won't just offer them to you.

5. Compare

Make sure you compare the quotes that you receive. While the previous tips can help you get the best quotes for your needs, you need to shop around. Get quotes from at least three companies and compare everything – the price, the services offered, features, customer service, how easily you can talk to someone, and so on. You might find that it is worth it to pay a little more for better service. This way you can be sure to get the best rate.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook. Stop on over and visit us!

Tuesday, September 14, 2010

Car Insurance: How It Works

You know that you need car insurance. You know that you are required by law to have it and that the price varies widely. You know that there are many different companies who offer insurance. You spend weeks researching companies and finding the best deal for what you need. 

But do you know how car insurance actually works? Policies usually have a few different kinds of basic coverage. 


You have to have liability insurance in most states. Liability coverage will cover the damage you might do to other people or to property with your vehicle. It's important to remember that liability insurance will not cover injuries to you or to other people that are on your policy. 

Liability coverage is quoted in a series of three numbers. For example, 25/500/25. Don't get it? 

The first number is how many thousands of dollars your insurance policy will pay for every person, including you, that is injured in a car accident. This particular example would mean that the policy will pay $25,000. 

The second number is the total amount that your policy will pay if there is an accident. In this particular example, the policy would pay $500,000. 

The last number lets you know how much your policy would pay if there is any property damage. Here the policy would pay $25,000. 

Collision and Comprehensive

Collision insurance is what it sounds like: it will cover damage done to your car when you hit or get hit by another vehicle or an object. But collisions are not the only things that can damage your car. That's where comprehensive insurance comes in - it pays for damages that are caused by things other than collisions, such as theft, fire, floods, alien invasions, and so on. 

This type of coverage makes more sense for new vehicles. If you are making payments on your car, then usually it is required. On older cars, this kind of coverage is not as necessary and may be a waste of money. 

Personal Injury Protection (PIP)

PIP insurance is something that you definitely want. This is also known as "no-fault" insurance. Certain states require it. It pays the medical costs you have if you get injured in an accident and may also possibly pay for any lost wages. Some policies will also cover the passengers in your car as well as pedestrians.

Uninsured Motorist 

Can you guess what this is? This insurance covers both you and your passengers if you are involved in an accident where the other driver doesn't have insurance. This kind of insurance also covers hit-and-run accidents.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook & stop on over and visit us!

Monday, September 13, 2010

Save Money on Car Insurance

One of the most expensive things any car owner has to buy is car insurance. Insurance gives you peace of mind and protects you financially in the event of a car accident or your car being stolen. You don't have to settle for high-priced car insurance.


Make sure that you shop around. You should get quotes from at least three companies. This will let you see the price differences for the kind of coverage that you need. You can find out this information by calling the company or you can find it online. Keep in mind that some companies use agents, some don't, and sometimes independent agents offer policies from several companies. Look for a variety and don't forget to ask your friends and family about car insurance companies that they use. Sometimes, it's worth paying twenty dollars more if the customer service is a lot better than the company that is cheaper.

Look at Insurance Before You Get a Car

When you go car shopping, it's time to take a look at insurance. Car insurance premiums are based partly on a car's sticker price, overall safety record, likelihood of being stolen, and how much it would cost to repair it. If you have features that help to reduce injuries, such as airbags, or that deter theft, such as an alarm, you can often get a discount. It doesn't matter whether the car is used or new – the insurance will still be affected.

Get Higher Deductibles

Higher deductibles will lower your costs. A deductible is what you have to pay before the insurance company will pay. Just for example, if you increase your deductible to $500 from $200, you could save 15-30% on your collision and comprehensive cost. You'll save 40 percent or more if you take the $1,000 deductible. However, before you decide to take a higher deductible, you need to make sure that you will be able to pay if the need arises.

Get Homeowners and Car Insurance from the Same Company

If you buy more than one kind of insurance from the same company, they will usually give you some kind of a break in the price. Some companies will give you a price reduction if more than one vehicle is insured. Long-time customers may get reduced rates. But you should always shop around, because sometimes you will find that you'll save more even over multi-policy discounts.

Older Cars Don't Need As Much Coverage

If a car is worth less than 10 times the premium you pay on it, then you should consider dropping the collision and/or comprehensive coverage you have for it. You may be spending more than you really need to. You don't want to spend more in insurance than the car is worth.

Good Records

It's important to keep a good credit record and driving record. You can get discounts for having a good driving record, such as good driver or safe driver discounts. Good credit can help cut your insurance costs because it is becoming more common for companies to use your credit rating to determine your insurance price.

Low Mileage Discounts

Check and see if your company has a low mileage discount. If you drive less than average every year, you might be able to get a reduced rate. This can also apply if you car pool.

Group Insurance

Sometimes, you can get car insurance through your employer, alumni groups, or other groups you might be a part of. Some companies will give you a price reduction based on what you belong to.

Other Discounts

If you haven't had any moving violations or accidents for a certain number of years, some companies will give you discounts. Defensive driving courses also count. If you have a young driver who has taken driver's education and gets good grades, you can sometimes get a discount. The same is true if your child is a college student who doesn't have a car and attends college out of the area.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! We also can be found on Twitter and Facebook & stop on over and visit us!

Friday, September 10, 2010

Leasing VS Buying Part 4

Now for the last part of our little series about leasing or buying - GAP coverage. 

Gap coverage is a very important part to consider when you lease or buy a vehicle. Also called gap insurance, gap coverage pays the difference between the amount you actually owe on your lease or loan, and what your vehicle will be worth if it is destroyed in an accident or is stolen. The majority of car leases have gap coverage built in, but car loans rarely do. 

Without gap coverage, you can end up owing more on your lease or loan than you car is worth. With long-term loans and leases as well as refinanced loans, rolled-over loans, and small or no down payments, being "upside-down" is not uncommon. If you don't have gap coverage you could find yourself owing hundreds or even thousands to your finance company. This is true even if your insurance company has already paid for a car that has been stolen or totaled in an accident. For most who end up caught in this unpleasant situation, this comes as a nasty surprise. 

You're better protected if you get a lease, but if you opt for a loan instead, you can buy gap insurance separately. The trick will be finding it. 

So is it better to buy or to lease? 

Short term you will pay less per month if you lease than if you were to buy. In fact, the monthly payments can be anywhere from 30-60 percent less than if you had a loan, even if you had a 0% or low interest loan. This is great if you have other expenses that need your attention every month. 

Mid-term, leasing costs about the same as buying does when you take into account the fees and finance costs. But this is only true if the buyer resells her car for the resale value right at the end of the loan. If you invest the savings you get every month from leasing however, you will actually pay less than if you were buying. 

Long-term, leasing always costs more than buying does if the buyer keeps his vehicle when the loan ends.   Driving a vehicle after the loan is paid off means the cost is spread over a longer term. It's easy to see, when you take into account finance charges and other fees, that buying a car and driving it for ten years will be cheaper than leasing or buying four or even five cars during the same ten years. If you are concerned about long-term finances, then it's best to buy and keep your car maintained so it will last years. 

Take a look at your lifestyle, budget, and needs before you decide to lease or buy a vehicle. You don't want to waste money, but you also need to be able to afford the car you do have. Hopefully, these articles have helped you understand better the differences between buying and leasing a car.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! Manly Auto can also can be found on Twitter and Facebook stop on over and visit us!

Thursday, September 9, 2010

Leasing VS Buying Part 3

Some people compare buying or leasing a car to a savings account. It's easy to see why. 

When you buy a car, you can think of it like this: you are putting money in a savings account that declines in value. You will never get out of it as much as you put into it. Part of every payment you make will disappear into depreciation and finance charges. When the loan is paid off, what you have to show is what is left over after interest and depreciation are through with it. Therefore, it can be said that a car is a terrible investment. But then, most people don't buy cars as an investment. 

Leasing is similar to buying but there is not savings account (no equity.) You will pay for what you use and won't have to put anything into a savings. At the end of the lease you will own nothing - you won't have a car to show. But you also won't own the depreciated part of the car that a buyer would have to deal with. The amount that a car depreciates is gone no matter whether you lease or buy. 

When you lease a vehicle, you can use the money you save every month and put it into a savings account or mutual funds that will increase in value. Experts encourage this, but the majority of people will use that extra money for things like bills and groceries. 

You will build ownership equity when you buy but you will not when you lease. Buyers receive equity because they pay higher monthly payments, essentially purchasing the loan. Part of those payments goes towards the equity. On the other hand, leasing will give you lower payments every month but no equity. 

You should be away that it can be more complicated to lease than to buy. You need to make sure that you read all the fine print so that you will know exactly what is going on with your lease. 

Another thing that you should keep in mind is that while you can buy your car at the end of the lease, you will actually be paying more than if you simply bought the car outright. This is because fees that are added in often make it more expensive. For some though, this may be the very best option that they have, and the only way that they will be able to get a newer vehicle. 

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! Manly Auto can also can be found on Twitter and Facebook stop on over and visit us!

Wednesday, September 8, 2010

Leasing VS Buying Part 2

For some people, leasing saves a good deal of money.

Let's take a car that costs $20,000. The estimated resale value of the car is $13,000 after a period of 24 months.

If you buy the car, you will have to pay the entire $20,000, finance charges, and fee. If you decide to sell the car later, then you won't be able to sell it, or trade it, for more than $13,000. That's $7,000 that you are not going to see.

Now let's lease the car. You will pay any possible fees and finance charges. However, you will only pay for the difference between the cost of the car and the resale value, or the depreciation cost. That means that you will pay just $7,000 to lease the car. This gives you lower monthly payments, which can be extremely beneficial for those who need lower payments.

If you want to keep the car, then at the end of your lease you will be able to buy it for the resale value of just $13,000. For some, this works out a lot better than buying the car right off.

So how are the payments different?

There are two parts to a lease payment: a finance charge and a depreciation charge. The finance charge is the money that the lease company finances for you to drive the car. Essentially, you are borrowing the money that your leasing company used to buy the car from the car dealer. The depreciation charge is what you pay to the leasing company and compensates them for the value that the car loses while you are driving it.

Loan payments also have two parts: the finance charge and the principal charge. The finance charge is the interest that you pay on the loan while the principal charge pays off the full price of the vehicle you are buying.

Some people consider part of the principal charge as a depreciation charge like you would get if you leased the car. This is because all vehicles lose value whether they are bought or leased, and they lose value at the same rate. This money is essentially lost because you will never get it back, even if you should sell your car later because the car has lost value.

What's left of the principal payment will go toward equity. Once depreciation has taken hold, equity is what remains of the car's original value when the loan ends. This is your resale value. The longer you drive and own your car, the lower the equity you will have. Once you have driven the car so long that the engine has worn out and the tires are falling off, you will only have scrap value. You will never get back the full amount that you paid for your car.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! Manly Auto can also can be found on Twitter and Facebook stop on over and visit us!

Tuesday, September 7, 2010

Leasing VS Buying Part 1

When you are hunting for a new car, one of the biggest questions you may have is whether you should buy or lease the car. There is no one answer to this question that will suit everyone. Everyone's situation is different, and the decesion of whether to buy or lease a vehicle depends on your individual situation and preferences.

Buying and leasing a car as two ways of financing an automobile. You can lease a brand new car or a used one, depending on what you are wanting. A lease finances the use of a car while a loan finances the purchasing of a car. Both methods are good ones, and there are benefits and disadvantages to both of them.

While you need to consider the financial differences, you should also consider what is important to you. Do you want a new vehicle every two or three years? Would you rather have higher monthly payments but have some ownership in your car? Do you actually want to own your car or do you want to trade up? These are important considerations.

Buying and leasing are very different things. When you buy a car you will pay for the car's entire cost, no matter how many miles you may drive. You usually make a down payment and also pay sales tax which you can sometimes roll into your loan. You also pay an interest rate which is determined by your loan company and is based on your credit. Your first payment is made right after your sign your contract. Later on, you can sell or trade your car for the depreciated resale value.

When you lease a car, you only pay a portion of the cost. You are paying for the time you use the car. This is not the same as renting. You don't have to make a down payment when you lease but you will pay sales tax on the monthly payments, at least in most states. You also have to consider the money factor, which is a financial rate similar to the interest rate that a loan has. You might have to pay fees and a security deposit that you wouldn't have to pay if you were buying. Your first payment is made when you sign the contract for the month ahead. When the lease is finished, you can buy the car for the depreciated resale value or return it for another car.

Tomorrow we'll take a look at how lease and loan payments are different and we'll finish out the rest of the week talking about GAP coverage, benefits of leasing and buying, and other useful information.

Let Manly Automotive Group help you in your new and previously owned vehicle choices today stop by our website today and drive away knowing that you made the right choice with us! Manly Auto can also can be found on Twitter and Facebook stop on over and visit us!