Three Things To Consider Before Buying A Brand New Car

Buying a brand new car is exciting, but it’s also a huge decision. Most likely, you’ll need to obtain a loan for your car, which means you’ll need to be able to make monthly payments. You also need to be able to afford regular maintenance, fuel, and insurance expenses for your new ride. So, before you sign the loan papers and drive away in your brand new car, you need to consider a few things.

Should You Buy or Lease?

Unless you have tax reasons for leasing a car, it’s almost always better to purchase a car outright. When you purchase a car you know the terms of the loan upfront, and if properly maintained you can get years of use out of your car after the loan is paid off. Whereas if you lease a car you have to abide by the lease terms, and continually easing cars means that you’ll always have a car payment to make.

Shop Around for Financing

Don’t assume that the car loan the dealer will obtain for you is always the best deal. Talk to your bank or local credit unions about the types of car loans that they offer before you go to the car dealership. Your regular bank or local credit union might offer you a better interest rate, which not only means you’ll pay less over the duration of the loan, but that your payments will be less as well.

Obtain Gap Insurance

Brand new cars depreciate as soon as you drive them off of the car lot. Because of this, there is a gap between the amount of money that you owe on your car loan and the amount of money your car is actually worth. This means, if you have a total loss, you’ll end up paying the bank for a car that you no longer have. Most auto insurance companies offer gap coverage to protect you if you total your new car. Gap insurance will pay off the difference between what your car is worth and what you owe the bank if your new car is totaled.

Buying a new car doesn’t need to be stressful. In fact, it should be an exciting time for you. So, don’t let the details overwhelm you. Instead, research the cars that you’re interested in at a local dealer, such as Peterborough Chrysler Jeep Dodge, talk to your bank about financing, and talk to your insurance company about the cost of coverage before you go to the car dealership. This way, you’re prepared to make an educated decision.

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Your Motorcycle Customization Options

If you are thinking about having a custom motorcycle built for you, then you should know about the various bike customization options that you have, such as customizing your bike’s:

  • performance
  • fit
  • style
  • accessories

Here is some basic information about each option:

Your Bike’s Performance

In order to customize the performance aspect of your motorcycle, you can choose the stage kit that will be used. In addition, you can choose the intake and exhaust sizes that work together to improve the torque and horsepower of your bike.

Your Bike’s Fit

A custom motorcycle will be made to fit you like a glove. Fit customization is available for:

  • foot controls
  • handlebars
  • seats

Also, the suspension on your bike can be customized so that your feet will be flat on the ground while you are stopped. This fit is necessary for both your safety and comfort. Foot controls and handlebars can also be adjusted and sized to allow you to operate your bike in comfort and safety as well.

Your Bike’s Style

Customization allows you to select a variety of:

  • paints 
  • seats
  • wheels

You can also customize all of the smaller parts on your bike, from the foot pegs to the mirrors. These simple items can easily come together to change the overall look and feel of your custom bike. With a wide variety of paint schemes and techniques, you can customize your bike to meet your personal style.

Your Bike’s Accessories

Customization also offers a variety of accessories to make your ride more comfortable and to help your bike to be more functional on longer trips. Accessories available include:

  • backrests
  • luggage bags and hard-shell containers
  • storage racks

In addition, there is a wide variety of windshield options that you have to choose from. Windshields are available in a variety of size and tint options. 

Storage racks come in permanent and detachable options, as do luggage bags and hard-shell containers. Backrests are also offered in a variety of sizes and heights, to fit a wide variety of body types and riding styles.


Now that you can clearly see the wide variety of options available when you have your next motorcycle custom made, you should visit a local dealership in your area and kick some tires. Once you have seen all of your customization options in person and have decided what you want your bike to look like and how you want it to perform, then you can order your bike online or locally from a dealership. One place you might consider is your Edge Harley-Davidson motorcycle dealer.

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Shopping For A Used Truck? Make Sure You Don’t Buy One With Flood Damage

If you are shopping for a used truck this spring, make sure you don’t bring one home with flood damage. A vehicle with flood damage can have a whole host of problems that may not be obvious from a casual visual inspection, which is why used trucks with flood damage should be avoided.

Take A Deep Breath – What Do You Smell?

When you get into a used truck, pay attention to how it smells. It can be difficult to mask bad odors, even if the vehicle has been cleaned.

Does the truck smell like mildew? Does it have a sour smell to it? Does it smell a little too much like fuel inside of the truck?

Mildew can be lurking inside the seats and flooring. Often, flood-damaged vehicles were not just exposed to water; they were exposed to other substances, such as oil, that made its way into the floodwater.

Look Around – What Do You See?

Use your eyes to spot things that seem a little off. Is the carpet new, but the seat covers are old, or vice verse?

Mismatching interior could just be a sign of bad taste, or it could be a sign that the original owners are trying to cover something up. Be sure to ask why the carpet and seat covers don’t match.

Next, look around and see if you notice any moisture inside of the vehicle. Floodwater can hide inside the lights in a vehicle. Turn on the lights and see if there are any water beads inside of the lights.

Be sure to check inside the glove compartment and any consoles inside of the truck for hidden dirt and moisture. Floods don’t just bring water into a vehicle; they also bring lots of dirt. Don’t forget to check the compartments inside of the door. Sellers often forget to clean these small spaces when trying to pass off a flood-damaged vehicle.

Purchase A Vehicle History Report – What Does It Tell You?

Write down the used truck’s vehicle identification number (VIN) and run it through a vehicle history report website online.

The vehicle history report should be able to tell you if the vehicle has sustained water damage. However, even if it doesn’t tell you that directly, you can look for other signs that something is off.

In order to hide flood damage or salvaged titles, sellers sometimes register the vehicle in three or four states, back to back. They do this to hide a bad title under a slew of good ones. Watch out for this trick.

Additionally, keep an eye out for locations where you know floods occurred in the past year. If the vehicle was not insured, the seller may not have made a claim that would show up on a vehicle history report and may have just tried to fix up the vehicle themselves.

When shopping for a used truck, pay attention to your senses. If you smell or see something that is amiss, ask questions. If it doesn’t feel right, and you suspect the car may have flood damage, walk away. There are other used trucks out there for you. For more information, contact a business such as Big Sky Dodge Chrysler Ltd used cars.

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Buy or lease - that is the question. When you are looking to get into a new car, do you take out a loan and finance the car, or do you lease the car for a few years? What are the pros and cons of buying and leasing? I have bought and leased many cars over the last twenty years and have learned a great deal about both options. I have helped many friends and family members get through this seemingly difficult decision. On my site, you will find several tips for making this decision for yourself so you can avoid making a decision you regret.

December 2015
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