Archive for July, 2015

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You head to the car dealer with good intentions, a firm budget in mind and down payment in hand. You’ve done your research and found that you can buy a nice little four-door sedan with stereo and air conditioning for $16,750 and you’re determined not to spend a penny more. You look at the sedan and it’s nice, but then you look at the more expensive trim level next to it and it has a moonroof. And navigation. And leather seats. Heated leather seats. And a racing stripe. Suddenly your nice little safe sedan is well north of $20,000, but the leather is calling to you like a mother singing lullabies to a newborn baby. Stop everything, back the truck up and remember the rent is always due on the first. Here are some ways to stay well within your budget.

Affordability Calculators Do All the Work

Just do an Internet search for “car payment calculators” and you’ll get a wide selection of choices that are easy to use. By getting pre-approved for financing, you’ll know exactly what interest rate you can expect. Plug that in along with a car sale price, expected trade value, down payment and tax rate and you’ll get a payment number that’s right on the button. You can adjust the payment by changing the vehicle price, amount of down payment, interest rate or number of months the vehicle will be financed. The pros at your Chapman Las Vegas auto dealerships can answer any questions about financing and help make sure you stay well within your budget.

Want More Car? Consider Leasing

If your budget says Pinto but your taste runs more on the Lincoln edge of the ledger, you might want to consider leasing vs. buying a vehicle outright. When you lease it typically runs for 36 to 48 months, at which time you either turn the car back in or buy it outright. Leasing is attractive for people who like to change cars every three years or so, because they are always under factory warranty and the payments are lower. If you are a person who likes to hang onto a car until the wheels fall off, or drive a lot of miles every year, leasing is probably not a good alternative.

Bring a Level-headed Friend

The smell of new car leather and appeal of virtual cockpits, dashboard controls and turbo-charged engines are enough to make anyone forget their budget and opt for the flashier choice. If you have a friend whom you respect, you might ask them to come along and reign you in before you sign off on that $600 a month payment. The sales people at Chapman Las Vegas dealerships are not there to talk you into spending more money than you can afford; their main goal is to help you find a vehicle you will be happy with for the term of the loan. Having a customer leave with a heavy financial burden is not a good thing for the dealership, the salesperson, or the customer.

Car-Theft

Cars Change, Motivation for Thieves Remains Same

Despite the fact that cars are constantly evolving and theoretically becoming more difficult for thieves to steal, the motivation behind the theft remains the same. Older cars are generally taken for parts where thieves not only have an easier time bypassing security systems, but can quickly remove high value components like air bags and catalytic converters. Newer, high-priced cars are more typically taken by an organized ring that can sell them overseas for a tidy profit. No matter if you have an old Pinto or a new Chrysler 300, there are four things you can do to help ensure you’re not the victim of car theft:

1. Start With the Obvious

If you don’t have an enclosed garage, park your vehicle in a well-lit area and make sure all the windows are rolled up and the doors are locked at all times. If you live in a cold-weather climate and like to let your car run for a few minutes in the morning to warm up, either get a remote start unit or have two sets of keys and always leave the doors locked. Nothing is more inviting to a thief than a vehicle with a cloud of vapor coming out of the tailpipe and no one around.

2. Add Some Anti-theft Devices

Given the choice, a thief is always going to take the low hanging fruit. A simple locking bar like the Club stretches across the steering wheel and makes a vehicle inoperable. Although it can be defeated, most thieves would rather just go on to the next victim rather than spend the time trying to crack open a Club. An ignition kill switch in a hidden location is also effective. An alarm may sound scary, but most people just listen to it as your car drives down the road. GPS recovery systems like LoJack don’t do anything to avoid the theft, but will help you recover your car. Discuss your security options when you purchase a vehicle from any of the Chapman Las Vegas dealerships.

3. Etch VIN on Windows and Major Components

Most thieves are sophisticated enough to check and see if you have taken the time to inscribe the vehicle identification number on the windows and major parts. If you have, it makes it much more difficult for them to sell the parts (see low hanging fruit comment above). They will just move on down the street to the next vehicle.

4. Take Valuables Out of the Car

Thieves are basically lazy and looking for the easiest way to make a buck. If they find a car with an iPad, phone, laptop or some jewelry laying on the seat, the cash register in the back of their mind goes off like a pinball machine. Make your car as difficult to steal and unattractive as possible to help keep your name off the stolen car list.

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In 2013 the number of stolen vehicles reached almost 700,000, according to the FBI’s Uniform Crime Report. Believe it or not this number is actually lower than previous years. The good news is that most stolen cars are recovered.

The maker of stolen vehicle recovery systems LoJack, recently reported the most popular vehicles stolen and eventually recovered using their technology.

When looking at these figures keep in mind that the most stolen vehicles also happen to be the most popular ones on the road. They are also a few of the most desired car models at Chapman Las Vegas. Thieves simply had more chances to steal them.

The 10 most stolen (and eventually recovered) vehicles:

1. Honda Civic
2. Honda Accord
3. Toyota Camry
4. Toyota Corolla
5. Chevrolet Silverado
6. Ford F250 Pickup
7. Acura Integra
8. BMW 3 Series
9. Cadillac Escalade
10. Nissan Maxima

It should be noted that the Honda Civic and Accord along with the Toyota Camry are the most popular cars nationwide according to Edmunds.

According to the FBI, in 2013 auto theft cost $4.1 billion countrywide.

All car owners should have the possibility of car theft in the back of their mind. LoJach noted that the states with the highest thefts and recoveries were California, Texas and Florida. Massachusetts also made it into the top 10 ranking at number 8.

Even though the newest models of vehicles are the most prepared to combat theft, they are not necessarily totally out of the woods. Hotwiring a modern car is much more difficult to do than what you see in the movies, but there are still ways that the newer model car can be stolen.

Vehicle theft approach has been altered somewhat in recent years. Thieves are more focused and sophisticated in their approach according to the FBI and it resulted in billions of lost dollars in 2013.

LoJack VP of Law Enforcement Pat Clancy stated that as the thieves got smarter so did the good guys. In 2014 over 90% of all cars, SUVs and trucks equipped with the LoJack System was recovered by law enforcement officers across the nation.

There are some other steps that drivers can take to reduce the risk of having their vehicle stolen.

– Always remember to lock the doors

– Hide away any expensive goods so that they cannot be easily seen

– When not in vehicle shut sunroofs and windows

– Engage your car alarm

– When paring in public, use a visible location close to light if possible (at night) or close to a street camera

We hope you never have to go through the headache of having a vehicle stolen, but the above tips should help you significantly reduce the risk of having your vehicle stolen.