Tag Archives: vehicle maintenance

Protecting Your Personal Finances As A Driver

Protecting Your Personal Finances As A Driver

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Owning a car can be costly, but it’s a necessity for most people in the modern world. Still, that doesn’t mean it has to be an expense which excessively consumes your available funds. You’ll always face regular costs as a driver, but those costs can be mitigated. It just takes some careful planning and some careful driving, as we’ll explain in this article. Let’s talk about some of the ways in which you could start protecting your personal finances as a driver.

Economical driving.

For starters, driving sensibly is one of the best ways to protect your personal finances. When people buy cars, they assess many different aspects that determine both the initial cost and the costs they’ll face throughout the life of the vehicle they’re purchasing. One of the most important variables is the fuel economy of the car in question. How much is it going to cost per gallon? Modern cars are becoming more and more efficient in this regard, but many drivers still fail to accept that economical driving is the best way to make your money go further.

Accelerating and braking excessively hard are both examples of ways in which you’ll burn through petrol far more quickly. By taking a calmer and more methodical approach to driving (in particular, by avoiding speeding and driving aggressively), you’ll be able to cover more miles with a full tank. That means you’ll have to take fewer trips to the local petrol station. Obviously, this would save you a lot of money in the long run. If you want to protect your personal finances as a driver then think about the way in which you operate your vehicle. As we’ve discussed before, driving efficiently is a great way to save fuel.

Accidents.

Unfortunately, car accidents are very common in modern society. It’s hard to say whether the blame falls on careless drivers or the sheer number of cars on the road, but the point is that you must be ever-vigilant. Being a good driver is important, but that doesn’t mean others on the road are going to be good drivers. It’s important not to react to dangerous drivers in an aggressive way; that could turn a potential hazard into an accident. But even the most cautious drivers can find themselves in road incidents. Obviously, the priority is that everyone is safe in such an event, but many of us have probably been involved in some sort of car accident at some point in our lives, even if it was just a minor bump or scratch. The cost that comes with such accidents can be astronomical, so make sure you collect details from any other drivers or witnesses involved to help protect your finances as much as possible. If you are injured in an accident then it’s important to get compensation for any medical bills or time off work that might impact your finances as well as your health. You might even want to check out https://www.braininjurylawofseattle.com/seattle-brain-injury-lawyer/ if you’re suffering something more serious, such as a brain injury. Your recovery is essential, but your finances play a big part in this.

Insurance.

Finally, let’s talk about insurance. This is the cost that gives most car owners headaches. No matter how good a deal you might get on a car itself, it’s the insurance premium that determines how much that vehicle is ultimately going to cost you on an annual basis. Still, there are ways to save money in this regard. Take a look at your existing insurance policy. Is the coverage essential for your current situation? Maybe you don’t actually drive that many miles anymore. Maybe your car is getting older and you wouldn’t actually get a very high payout if there was an incident, so there’s probably no need for such a high premium. You could even raise your deductible, as suggested at https://www.fivecentnickel.com/does-raising-your-car-insurance-deductible-save-you-money/. The deductible is the amount you’re willing to pay before the insurance provider starts paying. If you raise your deductible then you’ll face a lower premium because your insurance company will consider you less of a risk.

Tia, and TipsfromTia.com  is trying to keep you looking good and
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How To Avoid A Junker When Buying A Used Car

How To Avoid A Junker When Buying A Used Car

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A junker, as the name suggests, is something that is only fit for junk! When buying a used car, therefore, you need to take steps to avoid a motor that, let’s be honest, should only be homed in a scrap yard, and not on your driveway. If you don’t, not only will you have a potential money pit on your hands, something that will cost you a fortune in repairs and breakdown fees, but you might also have something that could put your life in danger.

Here then are some tips that we hope you find useful. Our advice here should hopefully help you avoid a junker of a car the next time you’re looking for a new set of wheels.

#1: Buy your car from a reputable dealer

When shopping for used cars, you might be spoiled for choice. From private sellers flogging their motors in the classifieds (online and off) to the many dealerships in your local area, you won’t be short of cars to consider for your next purchase. However, while many sellers will be honest and fair with you, there might be those who don’t have as many morals. Especially when it comes to private sellers who don’t have to offer you a warranty, you might end up with a car that isn’t worth the money it was advertised for. The same might apply to backstreet car dealerships that have no online reputation to speak of. Therefore, look for dealers that you should be able to trust. You can do this by asking for recommendations from family and friends, checking for testimonials and customer reviews on their website, and by doing a quick Google search to check for any good or bad news reports. When you think you have found a reputable dealer, you will have greater peace of mind when buying.

#2: Have the car inspected before purchase

If you don’t know the first thing about cars, then you really should pay a mechanic to inspect any car you are interested in before you part with your cash. If there are any hidden (or obvious) faults within the car, the mechanic will let you know, and you will then have the option of continuing your car search elsewhere. You could, of course, ask the seller to make the necessary repairs before you purchase the car, but to be honest, if they haven’t bothered to do so before putting it up for sale, then you might want to think twice before trusting them. Any reputable seller, private or otherwise, should always do the necessary work on the car before putting it up for sale; unless, of course, the following point applies.

#3: Be wary of cars advertised for sale ‘as is’

When you’re browsing the classifieds, you might come across cars for sale ‘as is.’ This means that any flaws or defects you notice before you buy will be your responsibility, as the car is only available for sale in its current condition, i.e. ‘as is.’ Because of this, it is unlikely that you will be offered a warranty, meaning that once you have parted with your cash, you have no legal rights to claim a refund or ask the seller to pay for any repairs if the car breaks down or you notice any problems after driving it away. Now, a car advertised ‘as is’ does not always signify you are buying a junker. If the defects are fairly insignificant, such as a scratch on the surface of the car, then you can always get that covered over later if you wish. If you’re buying the car for a dirt cheap price, you might also be happy to pay for any repairs that need doing. But as we suggested above, hire somebody to inspect the car before purchase, because you might also find yourself out of pocket should you later discover any serious and expensive issues after sale.

#4: Take the car for a decent test drive

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A test drive is more than a quick circle around the parking lot. And it’s more than a twenty-minute jaunt around town. You need to give it a thorough test drive to make sure that everything is working as it should, so request a test drive for a couple of hours or more so you can fully get a handle on the vehicle you might be buying. There are some useful tips here on what you should look out for when you’re taking the car for a spin. Still, if you aren’t particularly car savvy, you might want to bring somebody along on the ride with you. This should be somebody with years of driving experience, so ask anybody you know (or the mechanic you hired for the inspection) to join you on the roads. They will then be able to advise you further on the viability of the car in question.

#5: Check the car’s history

Any reputable seller will have a vehicle history report ready for you to review before the sale. This will let you know how many owners the car has had, as well as details of any accidents and repair jobs, both large and small. If the car has had a lot of owners, you might want to ask why. There might be issues with the car that has resulted in it changing hands a lot of times, so you might want to think twice before buying. You might also want to think twice if the car has been in an accident, or if there is has been a lot of maintenance work done on the vehicle. And you should run in the other direction if the seller does not have the car’s vehicle history report, because he or she is probably trying to hide something. Still, even if the car seems to be good to go, and the seller does have a vehicle history report, you might also want to run a free vehicle check online before buying, as you may well uncover details that the seller has been trying to keep hidden from you.

Finally

Buying a used car can be problematic, but you can save yourself a lot of trouble and money if you follow the tips we have presented here. Hopefully, you will then buy a car built to last, and not something that is only fit for the junkyard or a demolition derby!

Thanks for reading!

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.


How to Lower Your Driving Costs

How to Lower Your Driving Costs

Most people have a love/hate relationship with driving. They love the freedom that it brings, and the convenience, but boy oh boy, can it be expensive. And forget the cost of the car itself — that’s just the beginning. After that, you’ve got the cost of fuel, which always seems to be on the rise, insurance, toll roads, and everything else. And what’s worse is that it seems that we have no choice other than to pay up; that is, if we want to get to work and so on. But here’s the thing. It’s nearly always possible to lower the costs of getting from A to B, and to limit the amount of money our vehicle takes up. Below, we take a look at a few handy ways to ensure your car doesn’t eat up all your cash.

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Driving the Correct Way

Most people use far more fuel than necessary, and they don’t even realise it. You don’t just have to accept how long a full tank of petrol will last you — it’s something that’s in your control. It’s all about ensuring you have a high MPG (miles per gallon). If you’re accelerating away from red lights too quickly, or braking harshly, or just generally going faster than necessary, then your engine is going to eat fuel. Take things a bit easier, and you’ll be waiting longer between trips to the petrol station.

Best Route, Cheapest Fuel

You’ll also want to keep in mind that there isn’t a standard price for petrol. You don’t need to accept the price of whatever your nearest station is selling their fuel for! Do a little research on how to locate the cheapest petrol in your area, and you’ll be paying less when you’re at the pump. The difference might not seem that much when you just take one trip into account, but when you multiply it over a year, you’ll see savings.

Regular Maintenance

A car in good condition will also use fuel more efficiently, but that’s not the only reason why vehicle maintenance is essential. It’ll also prevent more serious, and costly issues from materialising. It’s much better to have an expert perform a regular oil change, under the hood checks, and other general car maintenance, rather than wait for the small problem to become a big issue, and have to pay through the roof to get it fixed. Take care of your car, and it’ll take care of you.  

Leave it at Home

Some people automatically get into their vehicle once they leave their front door, but it’s not a force of nature. No-one commands you to drive, anywhere! In some cases, it can be much cheaper to leave the car at home, and instead take public transport. It can be cheaper, faster, and you won’t have to worry about paying to park your car once you arrive, either. If you insist on driving (or have no other choice), then spend some time researching the best route to your destination. The quickest route might get you there sooner, but if you’re covering many more miles than an alternative route, then the journey will cost you more.

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.