#car dealer insurance cost

[fladco]

Cost Reduction Products-Solutions That Reduce Expenses For Florida Dealerships

Lower Costs Since 1995* FLADCO has been providing solutions to auto dealers in Florida. Leveraging the purchasing power of over 1000 dealerships under a single umbrella ensures our dealers get the best prices on all new and existing products and services. Additionally, you get a powerful advocate which works with vendors on your behalf if there is ever a problem. The FLADCO Office Products Program leverages the best suppliers with the right pricing and service to provide an excellent overall experience for our clients. Our suppliers’ catalogs have everything including office supplies, OEM-compliant office furniture and janitorial supplies in any quantity you need.

[mistletien]

Hello, I'm funding on behalf of my Mother, Sheila.

Recently my mother purchased a car in June, a 2015 Chevy Cruz, and we as a family were happy with it. For a while. After my mother purchased the vehicle, the dealer said the title would be mailed to us in 7-14 business days, and lo and behold, three months later and we still haven't received a title, which has caused significant financial issues due to tickets for not having the vehicle titled in my mother's name.

Along with no title, the car started behaving weirdly around a month ago: shutting off randomly, issues with electronic components, running hot as soon as it started-- and then it caught fire and completely burnt up.

We had insurance on the vehicle, and the insurance company is ready to pay out, but since we still have no title, we need to have a bonded title, which is going to cost some money we don't have.

My mom is a full-time student, but her money is sparse for classes. I'm (her daughter) on disability and can't help out. This was our only vehicle for our family, and we really need help getting a title and the ticket fees so we can get a new vehicle with the insurance money. We have several fees that need to be paid to get a title, as well as renting a car to go get the title in Atlanta (8 hour trip).

Fees are roughly: taxes on the car fee is $520, bond is $ 220, renting a car $500, and $150 for gas/food for the day, and a pet sitter for our dogs for the day/night is $200. Anything else donated will go towards fees towards the tickets.

$45/2500

[wheelsgoroundincircles]

1974 Pontiac Super Duty Trans Am

The 1974 Pontiac Super Duty Trans Am Was The Last Performance Pony Car From Muscle’s Golden Age

Pontiac was still beating the go-fast drum the same year Ford wouldn’t even sell you a Mustang with a V8

Detroit muscle’s golden age peaked in 1970 with cars like Hemi-engined Dodge Charger R/T and LS6-code Chevrolet Chevelle SS 454. From that point, a combination of reduced compression ratios, higher insurance costs, spiraling gas prices and the weight of additional safety equipment saw power and performance tail away until by the end of the decade there was almost nothing left.

As soon as 1974 the enthusiast landscape was unrecognizable from four years earlier. The Hemi was dead, big-block engine options were increasingly rare, Chevy was about to axe the Camaro Z/28 as it already had done with the SS396, and Ford had downsized the Mustang so comprehensively that you couldn’t even buy one with a V8 in North America. Yep, the top engine in a Mustang in 1974 was a 2.8-liter V6 that put out an embarrassing 105 hp (107 PS).

Which made your Pontiac dealer about the one in town that talked your language. The most obvious change to the 1973 Trans Am had been the optional new Firebird hood graphic, which replaced the front-to-rear stripe seen on the 1970-1972 cars, and the addition of some bright new colors, including neck-snapping Buccaneer Red. But the most important change was under that hood. While every other manufacturer was scaling back its performance efforts, Pontiac’s engineers actually increased theirs, introducing the new 455 Super Duty engine option.

[unsolicitedadvicecatlady]

if he wanted to, he would.

If a man wants to do something, he will.

If a man wants a promotion at work, he starts putting in overtime, clocking in early, leaving late, being available to his boss and coworkers, answering emails and messages without delay, Mr. On-the-spot. He'll bring donuts and coffee to meetings, he'll take coworkers out to lunch, he'll take interest in the personal lives of his boss and coworkers. He will give up vacation days to meet important deadlines, he will be charming and schmooze with clients, he will attend the Christmas party and bring gifts, he will go over and above to make sure he excels and surpasses all other candidates.

If a man wants a car, he will do research, he will read about it, watch videos about it, talk with car guys about the maintenance and upkeep; when he gets the car he will detail it regularly, keep up with oil changes, follow the dealer's recommendations on replacing and servicing parts, purchase upgrades, kits, custom work, get it tinted, get the best insurance coverage, and show it off everywhere he goes. He won't stop talking about his car, how much he paid for this feature, or that feature, the work he's done on it, the deal he got, the current value, and the plans he has for this car. He'll post pictures on his socials of the car, of him posing with the car, and him driving the car, and going on road trips in the car, and going to car shows with his car.

So, keeping that in mind, Sis, what makes you think that this man is stupid and doesn't know how to get what he wants? Why would you think he's capable of doing that, but incapable of treating you the way you deserve to be treated? Why would you be oblivious to the fact that this man is not as interested in you as he is in his occupation or possessions? The man you've been seeing for years doesn't actually like you, he likes that you like him. He doesn't want you, he wants you to want him. He doesn't love you, he loves that you love him. You could be anybody. You are a placeholder. Don't get it twisted. This man is not an idiot. He can get what he wants in a career, a car, a house, friendships, but you think that somehow he just doesn't understand how to communicate or interact with you to take your relationship to the next level? You had to twist his arm to get him to say "I love you, too." didn't you? You had to fight with him to get him to say that you're his girlfriend, after you've been running around the streets like a crazy person telling everybody who didn't ask that you got a boyfriend, didn't you? Girl, you trippin. You just don't want see what's right in front of your face. Now, knowing this, why would you want to stay in a relationship with someone who doesn't see your value or respect your goals? There are 4. 5 billion men on this planet, and only one of you. This man has not given you his last name, he has not put a ring on your finger, you are not beholden to him in any way. Don't you dare buy into the sunk cost fallacy. You haven't invested your time here, you've wasted it. Don't keep wasting your time. You won't get that back.

Sis, you gotta stop basing your self worth on how other people are treating you. If you don't see your own worth, nobody else will. If you don't believe you are worthy of respect, nobody will respect you. If you don't believe your life is worth living, why would anyone else? You've got to start seeing yourself as worth more than the bare minimum. You've got to start treating yourself with respect, respecting your boundaries, respecting your time, respecting your values, respecting your ambitions, respecting your body, your mind, your heart, and your soul. Don't throw your body at a man, don't give him control over your mind, don't let him treat your heart like a trash can, don't let him destroy your soul. You are a unique, autonomous individual. You're not an object, you're not a toy, you're not a form of entertainment, you're not his servant, you're not his caretaker, you're not his.

If a man is truly interested in a relationship with you, he will put in the time, energy, and effort to get to know you. He will prioritize you. He will push things to the side to attend to you. He will be very careful with how he treats you because he doesn't want to mess this up. He will choose his words carefully around you. He will respect you, your time, your boundaries, your values, your needs, your goals, your feelings, and he will not do anything to make you doubt his respect for your autonomy. If he wants a relationship with you, he wants you, not an idealized version of you. He will never tell you what to think, what to say, how to look, how to spend your time, he will never want to change you, he will be interested in and respectful of how you choose to change yourself over time. This man will be proud of you for sticking to your boundaries, he won't push them. He will applaud you for standing up for your values, not act like you don't have any. He will cherish every unique feature that makes up you as a person, not pick and prod and wear you down. He will build you up and give you what you need to grow.

He will value you more than his job, he will treat you better than his car.

Anything less is not love.

[apomaro-mellow]

alright, i'm going to go ahead and made a rant post about this car situation just so i can get it out and put it to bed. I don't mind if yall wanna comment or whatever but after this I'm just done.

So we need to go back almost a year. My car at the time seemed to be on its last legs. There was a repair it needed that was going to cost like $1200 and I had already paid close to that amount just a few months prior for another repair. I didn't want to pay that again but was willing to save up until it was suggested that I start looking for another car.

I will give my dad props for this one and only thing. He held my hand during this process bc it was my first time. Every other car I had, had been gifted by my grandparents. This was my first time shopping for one. Now it gets interesting bc instead of just getting rid of my old car, my grandparents were going to foot the $1200 bill anyway so that my brother could get it.

I felt iffy about that situation but figured it was for the best since I'd be getting a vehicle with no problems. The problem came about when he decided to drive it around and rack up tickets while MY name was still on the title (this cause my insurance premium to shoot thru the roof but thankfully i got it fixed). I literally had to escort my brother to the DMV to sort out all the paperwork and even THEN he took forever to actually change the plates so I was STILL getting tickets on my record and I had to be the one to go and take what were still my license plates off the car.

This could have potentially been an asshole move, bc I had no idea where his new plates were, but that's not my responsibility. Lucky for him, the new plates were where? In the car, bc he never did anything with them after our DMV appointment. This all occurred in summer/fall 2023.

Then in December, he starts having problems with that car. It even stops on him a couple of times. There is talks of him getting another one. Just like me, all of his (many) previous cars were gifts from our grandparents. I should have probably said earlier but these are all USED cars. We're not getting brand new ones, but still, good condition that we've never had to pay a cent for.

It's also worth mentioning that in the like....six months my brother has had my old car he got hundreds of dollars worth of tickets. Not a single one he paid on his own. Either I took care of it bc they were in my name and he's literally gone to court for not paying, or my dad has paid. But I feel like I'm digressing.

About last week, he curses out my mom because she asks him to *checks notes* receive his infant child when his baby mama drops her off. Apparently that was disagreeable and he cursed her out on the phone, then later to her face when she got home. The part that stuck out in his rant to me was that no one in our family had ever done anything for him. I think just from what I've stated above, it's pretty obvious to see that's false.

So whyyyyyyy

Why why why

After that breakdown, my dad and grandparents thought "Let's just give him another car"?

It is exhausting to see the same thing happen again and again. But this time kind of burned me bad because he got the exact same car that I have. The one I had to shop for. The one I had to visit sellers for. The one I am currently on the hook for a $10,000 loan with like 15% interest. My mother told me this was the case but I didn't actually see the car until this morning.

Here's where I give my dad the benefit of the doubt a single time: It's a common car, dealers have a ton of them, it's probably still an attractive price range. And that's the end of it.

But what I see, is that I can do everything I was told to do: do well in school, get a degree, get a job, start building my career. And it gets me virtually the same as if I did none of those things and on top of it disrespected my parents to their faces.

Like really, why am I working so hard? If doing what I do gets me the same as a foul mouthed, lazy ass, ungrateful son who's shackin up with the most frustrating baby mama in the world then what the hell is this all for anyway?

[popit-solutions]

Overcoming the Major Challenges in the Automotive Industry: Practical Solutions for Everyday Drivers

Do you think having a car to be more expensive than your expectations? Are surprise breakdowns and costly repairs stressing you out? Struggling to find parking in busy city areas? If any of these questions resonated with you, you're at the right place.

The automotive industry, while crucial to our daily lives, poses several significant challenges for consumers. These problems range from financial burdens to logistical issues, affecting millions of drivers worldwide. In this blog post, we will highlight some of the most pressing problems faced by car owners and offer practical solutions to alleviate these challenges.

 

1. The Rising Cost of Vehicle Ownership

The overall cost of owning a vehicle, including purchase price, insurance, maintenance, fuel and related expenses can be overwhelming for many consumers.

Solutions:

Choose a Fuel-Efficient or Alternative Fuel Vehicle: Investing in a vehicle that is fuel-efficient or runs on alternative fuels like electric or hybrid models can lead to substantial savings on fuel costs in the long run. These vehicles tend to have lower fuel consumption and can reduce your overall expenditure on gasoline.

Insurance Discounts: Shop around for insurance and look for discounts related to good driving records, bundling with home insurance, or installing anti-theft devices.

Maintenance Tips: Regular maintenance can prevent costly repairs. Learn basic DIY maintenance, such as oil changes and tire rotations, to save money.

2. Maintenance and Repair Hassles

Unexpected breakdowns and regular maintenance can be both time-consuming and costly for vehicle owners. Sudden repairs often come with high costs, disrupting your budget and daily schedule.

Solutions:

Preventive Maintenance: Follow the manufacturer’s recommended maintenance schedule to keep your vehicle in good condition and prevent larger issues.

Extended Warranties: Consider purchasing an extended warranty for added protection against major repair costs.

Reliable Mechanics: Build a relationship with a trustworthy mechanics or dealers for fair pricing and honest advice.

3. Parking and Urban Congestion

Finding parking in busy city areas can be very frustrating, and heavy traffic often wastes time and adds to stress. Many drivers struggle with the challenge of locating a parking spot and dealing with congestion.

Solutions:

Parking Apps: Use apps that help find and reserve parking spots in advance.

Public Transport Alternatives: When possible, use public transportation or carpool to reduce the number of vehicles on the road.

Urban Planning Advocacy: Support initiatives and policies that aim to improve urban infrastructure and reduce congestion.

4. Fuel Prices and Environmental Impact

Changing fuel prices can put a strain on your budget, and cars that run on gasoline add to pollution and harm the environment. High fuel costs and environmental damage are common concerns for many drivers.

Solutions:

Fuel-Efficient Driving: Adopt fuel-saving driving habits, such as smooth acceleration, maintaining steady speeds, and reducing idling.

Alternative Fuels: Explore vehicles that use alternative fuels, such as electric or hybrid models, to reduce dependency on gasoline.

Carpooling and Ride-Sharing: These options not only save money but also reduce the environmental impact.

5. Vehicle Depreciation

Cars depreciate rapidly, which can be a significant concern for those looking to sell or trade in their vehicle. This depreciation can impact resale value and make it challenging to get a fair price when upgrading to a new model.

Solutions:

Choose Wisely: Some vehicles hold their value better than others. Research models known for strong resale value before purchasing.

Regular Maintenance and Care: Keep your car in good condition to maximize its resale value. Clean the interior and exterior regularly, and address any minor repairs promptly.

Consider Leasing: Leasing can be a good option if you prefer driving a new car every few years and want to avoid long-term depreciation.

Conclusion

Owning a vehicle comes with its set of challenges, but with the right strategies, these challenges can be managed effectively. By considering cost-saving measures, staying proactive with maintenance, and making informed choices, you can enjoy the benefits of vehicle ownership without the overwhelming burden.

For more tips and advice related to automotive industry, subscribe to our blog and if you need any IT related solutions visit our website. Share this post with your friends and family to help them make informed decisions about their vehicle ownership journey.

[pragatiseo]

Sky Moto Jeep

Are you looking for one-stop and jeep showrooms with quality?   We are the center and we offer the best Jeep services with access to a variety range of Jeep Cars with different models. We are versatile and dynamic with durable and cost-effective services. We ensure the Best drive facilities with various other facilities like insurance and roadside assistance.

 For more info, visit us at Sky Moto Jeep SB Road Pune – Authorised Jeep Dealers 

[mortenschelde]

Know What You're Looking For When Buying A Car

Consumers often feel stressed about a car purchase. There are endless numbers of vehicles to consider, and it is normal to feel overwhelmed. Take some of the stress out of your car shopping by considering the advice offered below.

You should take the car-buying process very seriously. Many people are so happy about the prospect of buying a car that they do not think of the seriousness of the task. Buying a car is a serious financial investment, and you should do all you can to remain businesslike.

Do not buy a car just because it is a good deal. You have to live with this car after you take it home, so it needs to be something that you really like and that works for you and your family. You also need to make sure you can really afford it.

Check the BBB rating of your local car dealers before you visit them. As you likely already know, car dealers can be less than honest. Save yourself from a lot of stress and expense by investigating how others feel about the car dealer. The time it takes is nothing compared to the time you can waste at a sheisty dealer.

Don't forget to calculate ownership costs when selecting a new vehicle. That bargain priced SUV might not be such a good deal if it means you will be spending twice the amount you used to on gasoline to drive it. The same goes for sporty racing style cars or models favored by car thieves that both can come with increased insurance rates.

Find out the vehicle's mileage before you agree to purchase it. Even if you know a particular car should get a certain gas mileage, be sure that it still does. A car can lose its efficiency overtime, which can mean a large expense in getting to the places you need to go.

You should now have a better grasp on what the dealership is trying to hand you when you're purchasing a vehicle. Knowing their strategies and techniques will help you explore your options better. You don't want to just take something when you don't know enough about it. Instead, get what you deserve!

Read more here rent a car online

[verycolorpirate]

Acrylic keychain

What if there was a quick, affordable way to put your company's name in front of potential clients numerous times a day? What if you could almost ensure that your customer would see your message wherever they went? Custom acrylic keychains actually work like way; it's not just a marketing fantasy.

 Numerous Opportunities for Promotion

There are many opportunities in the retail industry to give your clients one of these innovative promotional items. With car washes, dealers, auto parts shops, or any other business focused around cars, keychains are a surefire hit. When trouble arises, people will immediately think of your store. A keychain with your contact information on it is even better so that you may always have access to it.

You don't have to work with cars, of course. can use keychains into your marketing strategy. Garden centers might hold a tomato growing competition and award the winners with ingenious keychains in the shape of tomatoes. The owners of all participating pets might get a goody bag filled with dog treats, toys, and a unique keychain if pet businesses sponsored a spay and neuter clinic.

Not just retail establishments profit from this type of marketing, though. Consider the neighborhood insurance agent who promotes safe-driving events at nearby high schools and provides a personalized keychain to each attendee. When it comes time to look for auto insurance, you can probably guess whose name is at the top of the list. Or the dentist who gives parents a keychain as a gift during National Children's Dental Health Month in February. Not this Not only emphasizes the key message that dental care is a crucial component of their child's health, but also acts as a continual reminder to make that next visit.

 Get inventive with your offer to motivate clients to keep and utilize your keychain to increase exposure and brand awareness. Give your tomato enthusiasts a free tomato plant for the upcoming season, for instance, when they gift this year's keychain. If the young people who attended your safe-driving event bring their keychains into your office, you may offer them a discount on their vehicle insurance. Your business will become even more recognizable if you incorporate an interactive element into your offer. Additionally, delighted clients will readily discuss their interactions with your company and display their fortunate keychain as well. Appropriate for All Brands

 Keychains come in a wide range of designs to match every brand. An exquisite metal duplicate of your brand for luxury retail establishments demonstrates your sophistication. The usefulness of a clear message, whether it's a crucial phone number or a kind reminder to make an annual visit, will be valued by medical offices. friendly surf shop? Your personality will stand out in bright colors and amusing artwork. Any trademark or design, from traditional polished brass to intricate multi-color graphics, can be reproduced in a metal keychain.

Look for manufacturers who use premium materials and provide excellent customer service when selecting a keychain seller. The cost of design services, professional color matching, and your choice of attachments should all be covered. When It only makes sense to get the highest quality keychains available when you take into account that your clients will probably wear them for many years to come.

 Vograce supplies custom stickers that can be made in any shape and pattern with good adhesion, fast delivery and favorable price. We make customized stickers at your will. Our custom stickers include die cut stickers, Washi Tape, vinyl stickers, holographic stickers, glitter stickers, clear stickers, etc. Learn more

[shellharbours]

Car Sales With Finance - What You Need To Know?

You have a dream car in mind and you would like to own it. You have saved up some money, but not enough to buy it outright. What can you do? You may want to consider professional car sales Illawarra wide with finance.

This is a great option for those who want to buy their dream car and have good credit scores but don't have enough cash on hand at the time of purchase. Here are some things that you need to know about car sales with finance:

Everything About Car Sales With Finance 

What is the significance of car sales with finance?

Car sales with finance are a significant event in your life. It is important to know how to get a loan for buying a car and what the best way of getting one is. This will make the whole process much easier and you will be able to get the best deal on a loan.

There are many different types of loans available for those who want to buy cars but not all of them have good terms and conditions attached to them, so it's important that you know what you're looking for when choosing one before signing up for anything at all!

It's important to know what your options are, so you can make sure you get a good deal on your car loan. Let's take a look at some of the most common types of loans available today and what they mean for you as a buyer.

How does it work?

This is a quick and easy process. No paperwork, no hidden fees and no deposit are required to get started.

As soon as you've chosen your car and put down a deposit, the finance company will work out how much it will lend you based on the value of your chosen vehicle and the amount that you can afford to pay back each month. The finance company will then transfer this money directly into our bank account so we can order your new car!

Once you've received your new car, you'll be able to make your first payment. This will usually be the same amount as your deposit, but it may vary depending on how much finance you've taken out and what interest rate has been agreed between you and the finance company.

What additional costs could be incurred?

There are a number of other costs you may have to pay when buying or selling a car through finance. These include:

Fees for the loan‚ such as establishment fees and early repayment charges.

Fees for insurance, including third party cover, theft/fire/theft (TPFT) cover, comprehensive cover and bond registration fee.

Fees for registration‚ including vehicle registration certificate (VRC), driver’s license transfer fee (DLTF), licence disc replacement fee (LDRF), duplicate vehicle inspection sticker replacement fee (DVISG) and roadworthy certificate replacement fee (RCRF).

There are also other additional costs which differ from one dealer to another depending on what they offer their customers such as stamp duty on purchase sale agreements or motor trade insurance.

Conclusion

Buying a car is one of the biggest investments you will make in your life. With the help of financing, buying a car from car sales Illawarra becomes even more affordable and convenient. However, before signing up for any loan or finance product, it’s important to know all the details about how much you are getting into and whether or not it’s right for you.

[fladco]

Office Products & Breakroom Supplies for Car Dealers in Florida

Car dealership office products and breakroom supplies often contain a wide range of things that are required for managing a car dealership's day-to-day operations. 

Office supplies (such as envelopes, notepads, sticky notes, and printer paper) are a few examples of necessary office supplies.

Pens, markers, and highlighters are examples of writing implements.

Office supplies (such as paper clips, staplers, and desk organisers).

Laptops, printers, computers, and other electrical devices.

Storage options and filing cabinets for paperwork and other documents.

[female-malice]

Once You See the Truth About Cars, You Can’t Unsee It

By Andrew Ross and Julie Livingston

In American consumer lore, the automobile has always been a “freedom machine” and liberty lies on the open road. “Americans are a race of independent people” whose “ancestors came to this country for the sake of freedom and adventure,” the National Automobile Chamber of Commerce’s soon-to-be-president, Roy Chapin, declared in 1924. “The automobile satisfies these instincts.” During the Cold War, vehicles with baroque tail fins and oodles of surplus chrome rolled off the assembly line, with Native American names like Pontiac, Apache, Dakota, Cherokee, Thunderbird and Winnebago — the ultimate expressions of capitalist triumph and Manifest Destiny.

But for many low-income and minority Americans, automobiles have been turbo-boosted engines of inequality, immobilizing their owners with debt, increasing their exposure to hostile law enforcement, and in general accelerating the forces that drive apart haves and have-nots.

Though progressive in intent, the Biden administration’s signature legislative achievements on infrastructure and climate change will further entrench the nation’s staunch commitment to car production, ownership and use. The recent Inflation Reduction Act offers subsidies for many kinds of vehicles using alternative fuel, and should result in real reductions in emissions, but it includes essentially no direct incentives for public transit — by far the most effective means of decarbonizing transport. And without comprehensive policy efforts to eliminate discriminatory policing and predatory lending, merely shifting to electric from combustion will do nothing to reduce car owners’ ever-growing risk of falling into legal and financial jeopardy, especially those who are poor or Black.

By the 1940s, African American car owners had more reason than anyone to see their vehicles as freedom machines, as a means to escape, however temporarily, redlined urban ghettos in the North or segregated towns in the South. But their progress on roads outside of the metro core was regularly obstructed by the police, threatened by vigilante assaults, and stymied by owners of whites-only restaurants, lodgings and gas stations. Courts granted the police vast discretionary authority to stop and search for any one of hundreds of code violations — powers that they did not apply evenly. Today, officers make more than 50,000 traffic stops a day. “Driving while Black” has become a major route to incarceration — or much worse. When Daunte Wright was killed by a police officer in April 2021, he had been pulled over for an expired registration tag on his car’s license plate. He joined the long list of Black drivers whose violent and premature deaths at the hands of police were set in motion by a minor traffic infraction �� Sandra Bland (failure to use a turn signal), Maurice Gordon (alleged speeding), Samuel DuBose (missing front license plate), and Philando Castile and Walter Scott (broken taillights) among them. Despite widespread criticism of the flimsy pretexts used to justify traffic stops, and the increasing availability of cellphone or police body cam videos, the most recent data shows that the number of deaths from police-driver interactions is almost as high as it has been over the past five years.

In the consumer arena, cars have become tightly sprung debt traps. The average monthly auto loan payment crossed $700 for the first time this year, which does not include insurance or maintenance costs. Subprime lending and longer loan terms of up to 84 months have resulted in a doubling of auto loan debt over the last decade and a notable surge in the number of drivers who are “upside down”— owing more money than their cars are worth. But, again, the pain is not evenly distributed. Auto financing companies often charge nonwhite consumers higher interest rates than white consumers, as do insurers.

Formerly incarcerated buyers whose credit scores are depressed from inactivity are especially red meat to dealers and predatory lenders. In our research, we spoke to many such buyers who found it easier, upon release from prison, to acquire expensive cars than to secure an affordable apartment. Some, like LeMarcus, a Black Brooklynite (whose name has been changed to protect his privacy under ethical research guidelines), discovered that loans were readily available for a luxury vehicle but not for the more practical car he wanted. Even with friends and family willing to help him with a down payment, after he spent roughly five years in prison, his credit score made it impossible to get a Honda or “a regular car.” Instead, relying on a friend to co-sign a loan, he was offered a high-interest loan on a pre-owned Mercedes E350. LeMarcus knew it was a bad deal, but the dealer told him the bank that would have financed a Honda “wanted a more solid foundation, good credit, income was showing more,” but that to finance the Mercedes, it “was actually willing to work with the people with lower credit and lower down payments.” We interviewed many other formerly incarcerated people who followed a similar path, only to see their cars repossessed.

LeMarcus was “car rich, cash poor,” a common and precarious condition that can have serious legal consequences for low-income drivers, as can something as simple as a speeding ticket. A $200 ticket is a meaningless deterrent to a hedge fund manager from Greenwich, Conn., who is pulled over on the way to the golf club, but it could be a devastating blow to those who mow the fairways at the same club. If they cannot pay promptly, they will face cascading penalties. If they cannot take a day off work to appear in court, they risk a bench warrant or loss of their license for debt delinquency. Judges in local courts routinely skirt the law of the land (in Supreme Court decisions like Bearden v. Georgia and Timbs v. Indiana) by disregarding the offender’s ability to pay traffic debt. At the request of collection agencies, they also issue arrest or contempt warrants for failure to appear in court on unpaid auto loan debts. With few other options to travel to work, millions of Americans make the choice to continue driving even without a license, which means their next traffic stop may land them in jail.

The pathway that leads from a simple traffic fine to financial insolvency or detention is increasingly crowded because of the spread of revenue policing intended to generate income from traffic tickets, court fees and asset forfeiture. Fiscally squeezed by austerity policies, officials extract the funds from those least able to pay. This is not only an awful way to fund governments; it is also a form of backdoor, regressive taxation that circumvents voters’ input.

Deadly traffic stops, racially biased predatory lending, revenue policing have all come under public scrutiny of late, but typically they are viewed as distinct realms of injustice, rather than as the interlocking systems that they are. Once you see it, you can’t unsee it: A traffic stop can result in fines or arrest; time behind bars can result in repossession or a low credit score; a low score results in more debt and less ability to pay fines, fees and surcharges. Championed as a kind of liberation, car ownership — all but mandatory in most parts of the country — has for many become a vehicle of capture and control.

Industry boosters promise us that technological advances like on-demand transport, self-driving electric vehicles and artificial intelligence-powered traffic cameras will smooth out the human errors that lead to discrimination, and that car-sharing will reduce the runaway costs of ownership. But no combination of apps and cloud-based solutions can ensure that the dealerships, local municipalities, courts and prison industries will be willing to give up the steady income they derive from shaking down motorists.

Aside from the profound need for accessible public transportation, what could help? Withdraw armed police officers from traffic duties, just as they have been from parking and tollbooth enforcement in many jurisdictions. Introduce income-graduated traffic fines. Regulate auto lending with strict interest caps and steep penalties for concealing fees and add-ons and for other well-known dealership scams. Crack down hard on the widespread use of revenue policing. And close the back door to debtors’ prisons by ending the use of arrest warrants in debt collection cases. Without determined public action along these lines, technological advances often end up reproducing deeply rooted prejudices. As Malcolm X wisely said, “Racism is like a Cadillac; they bring out a new model every year.”

[usedcardealershipsinatlanta]

Second-Hand Cars for Sale in Atlanta, GA: Your Guide to Finding the Best Deals

Buying a second-hand car in Atlanta, GA, can be an excellent way to save money while still getting a reliable vehicle that fits your needs. Whether you’re a first-time car buyer, someone looking to upgrade your ride, or a savvy shopper hunting for a deal, the city’s bustling used car market offers a wide range of options. With countless dealerships, private sellers, and online platforms offering second-hand cars, it’s important to know where to look and what to consider to make an informed purchase.

Why Choose a Second-Hand Car in Atlanta?

1. Affordability

One of the primary benefits of buying a second-hand car is the price. New cars lose value the moment they are driven off the lot, and a new car can depreciate by as much as 20% in the first year alone. Second-hand cars have already gone through this initial depreciation, meaning you get more value for your money. For many buyers, a pre-owned car is often the most affordable option, especially if you’re working within a limited budget.

2. Wider Selection

Atlanta, with its large metropolitan area, has a vast and diverse market for second-hand cars. From sedans and compact cars to trucks, SUVs, and luxury vehicles, there are options available for every budget, preference, and lifestyle. Whether you need a reliable commuter car, a family-friendly SUV, or a rugged truck for work or play, you’ll find plenty of choices.

3. Lower Insurance Costs

In addition to lower purchase prices, second-hand cars also tend to cost less to insure. Insurance premiums are generally based on the car’s value, and since used cars have a lower market value, the overall insurance cost is typically lower. This can result in significant long-term savings, particularly if you're on a tight budget.

4. Reputable Dealers and Certified Pre-Owned Options

When purchasing a second-hand car, many buyers seek reassurance that they’re getting a quality vehicle. Reputable dealerships in Atlanta often offer Certified Pre-Owned (CPO) vehicles. These cars go through a thorough inspection process and often come with extended warranties. Opting for a CPO vehicle can give buyers peace of mind that the car is in good condition and backed by a manufacturer’s warranty.

Where to Find Second-Hand Cars for Sale in Atlanta, GA

1. Local Dealerships

Atlanta is home to a variety of used car dealerships, ranging from large chains to smaller, family-owned businesses. Dealerships typically offer a wide selection of vehicles, some of which are certified pre-owned. Many also provide financing options, making it easier to purchase a second-hand car even if you have less-than-perfect credit.

Here are some well-known used car dealerships in Atlanta:

Atlanta Luxury Motors – Specializes in high-end, luxury vehicles such as BMW, Mercedes-Benz, Audi, and Lexus. They offer a range of pre-owned cars with low mileage and have a reputation for quality customer service.

AutoNation USA – One of the largest automotive retailers in the country, AutoNation USA in Atlanta offers a broad inventory of pre-owned vehicles. Known for transparent pricing, they also offer a 5-day return policy, which gives you added peace of mind.

Jim Ellis Automotive Group – A well-established dealer with a broad selection of second-hand cars, Jim Ellis has multiple locations in the Atlanta area. They also offer certified pre-owned vehicles and have a strong reputation for customer service.

2. Online Platforms

In today’s digital age, you can browse thousands of second-hand cars from the comfort of your own home. Websites like Autotrader, Cars.com, CarGurus, and eBay Motors allow you to filter your search by make, model, year, price range, and other important factors. You can view photos, read vehicle descriptions, and even check the car’s history report before making a decision.

Some popular online platforms include:

CarGurus – CarGurus helps you find great deals by comparing prices on used cars and showing you how the car’s price stacks up against similar listings.

Autotrader – Autotrader has an extensive selection of second-hand cars, and you can refine your search based on specific preferences like mileage, price, and even vehicle features.

Carvana – Carvana is a fully online platform that allows you to purchase second-hand cars entirely online. They offer a seven-day return policy, so you can test drive the car and return it if it doesn’t meet your expectations.

3. Private Sellers

For those looking to save even more money, buying from a private seller can be an appealing option. Platforms like Craigslist and Facebook Marketplace feature listings from individuals who are selling their cars directly to buyers. While you can often negotiate a better price, buying from a private seller comes with certain risks, such as a lack of warranty or limited recourse if the car has problems.

If you decide to go this route, it’s important to be thorough in inspecting the vehicle, requesting a vehicle history report (such as Carfax), and having the car inspected by a trusted mechanic before finalizing the sale.

4. Car Auctions

For buyers who are comfortable with a more competitive buying process, car auctions can be a great way to score a bargain. Many car auctions in Atlanta feature second-hand vehicles at wholesale prices, which can lead to significant savings. However, this option is best for experienced buyers who are familiar with the auction process and know how to assess the condition of the cars they’re bidding on.

You can find public car auctions in Atlanta through local auction houses or even government and insurance company auctions.

Things to Keep in Mind When Buying a Second-Hand Car

While buying a second-hand car can save you money, it’s essential to approach the process carefully to avoid potential pitfalls. Here are some tips to ensure you’re getting the best deal:

1. Inspect the Vehicle

Before committing to a second-hand car, always have it inspected by a trusted mechanic. Even if the car looks good on the surface, there may be underlying issues that could cost you down the road. A professional inspection can help uncover problems with the engine, transmission, brakes, or other critical components.

2. Check the Vehicle History

Always request a vehicle history report to see if the car has been in any accidents, had multiple owners, or had any significant issues. Services like Carfax or AutoCheck provide detailed reports that can help you make an informed decision.

3. Take It for a Test Drive

A test drive is one of the most important steps in the car-buying process. It allows you to evaluate the car’s handling, braking, acceleration, and overall comfort. Pay attention to any unusual sounds or vibrations while driving, as they could indicate mechanical problems.

4. Negotiate the Price

Don’t be afraid to negotiate. Whether you’re dealing with a dealership or a private seller, there’s often room to bring down the asking price. Do your research on the car’s market value and use that information to make a fair offer.

5. Review the Warranty or Return Policy

Many second-hand cars come with a limited warranty, especially if purchased from a dealership. Be sure to ask about the warranty coverage, including the duration and what it covers. If buying online, check the seller’s return policy—many platforms like Carvana and AutoNation offer 7-day return periods.

Conclusion

Atlanta, GA, offers a wide variety of second hand cars for sale in atlanta ga, catering to different budgets and needs. Whether you're looking for a dependable commuter vehicle, a family SUV, or a luxury car at a discounted price, there are plenty of options available. By researching dealerships, checking online platforms, or even exploring private seller listings, you can find a great deal. Just be sure to thoroughly inspect any car you're considering, request a vehicle history report, and take it for a test drive. With these precautions in mind, you'll be well on your way to driving away in a reliable and affordable second-hand car.

[jackhananiachevrolet]

Top Reasons to Buy Used Cars for Sale in St. Augustine

Cars have become an important part of our daily lives, and buying a reliable vehicle is a significant investment. If you're in the market for a new set of wheels, you might want to consider exploring used cars for sale in St. Augustine. The popularity of used cars in this region is undeniable, and for good reason. Not only do they offer excellent value, but they also come with a range of benefits that make them an attractive option for many buyers.

One of the primary reasons to opt for a used car is affordability. Buying a used vehicle can save you a significant amount of money compared to purchasing a brand new car. You can get a high-quality, pre-owned vehicle at a fraction of the cost of a new one. This is especially beneficial for those on a tight budget or first-time car buyers. With a used car, you can get behind the wheel of a reliable vehicle without breaking the bank.

Another significant advantage of buying a used car is that it holds its value better than a new car. When you purchase a new vehicle, its value depreciates rapidly in the first few years. In contrast, a used car has already taken the biggest depreciation hit, so its value remains more stable. This means that if you decide to sell your used car in the future, you'll get a better resale value. Additionally, used cars tend to have lower insurance rates, which can further reduce your overall costs.

In terms of variety, used cars offer a wide range of options to choose from. You can find a used car that fits your lifestyle, budget, and personal preferences. From sedans to SUVs, trucks to vans, there's a used car out there that's perfect for you. You can also explore different makes, models, and years to find the ideal vehicle that meets your needs. With so many options available, you're bound to find a used car that's just right for you.

If you're concerned about the reliability of a used car, consider opting for a certified pre-owned (CPO) vehicle. CPO cars have been thoroughly inspected and certified by the manufacturer or dealership, ensuring that they meet certain standards. These vehicles often come with warranties, roadside assistance, and other perks that provide added peace of mind. With a CPO car, you can enjoy the benefits of a used car while still having the assurance of a manufacturer-backed warranty.

In closing, buying a used car in St. Augustine offers a range of benefits that make it an attractive option for many buyers. From affordability and depreciation advantages to variety and certified pre-owned benefits, there are many reasons to explore used cars for sale in St. Augustine. If you're in the market for a new vehicle, why not consider visiting Used cars for sale St Augustine at Jack Hanania Chevrolet? You can browse our extensive inventory, and our friendly sales team will be happy to help you find the perfect used car for your needs. Let us help you get behind the wheel of your dream car today! Book an appointment on our website https://www.jackhananiachevrolet.com/ to take the first step towards owning your ideal vehicle. Visit us at 2255 US-1, St. Augustine, FL 32086, United States, and discover why Jack Hanania Chevrolet is your trusted local dealer.

[weareotto]

Why Car Subscription is the Future of Car Ownership in Dubai

Introduction: The automotive landscape in Dubai is evolving, and a significant trend reshaping car ownership is the rise of car subscription services. Unlike traditional leasing or outright ownership, car subscription offers a flexible, hassle-free way for drivers to experience various vehicles without long-term commitment. Coupled with the UAE's vibrant automotive market and the demand for convenience, car subscription services are on track to become a major player in Dubai’s vehicle ecosystem. For automotive dealers and companies, this shift also opens new avenues for inventory management and could impact mergers and acquisitions services (M&A) in the sector.

1. Flexibility and Convenience of Car Subscription In a fast-paced city like Dubai, the appeal of convenience can’t be overstated. Car subscription services provide an option for drivers to access a vehicle without being tied to lengthy contracts, upfront payments, or hefty down payments. Subscribers can easily switch between different vehicle types based on their needs, making it ideal for those who want a car to match their lifestyle or for temporary residents seeking a no-strings-attached alternative to traditional car ownership.

2. Addressing the Burdens of Ownership Owning a car comes with a host of responsibilities, from maintenance to insurance and depreciation costs. Car subscriptions often cover these extras, allowing users to drive without worrying about these additional expenses. This all-inclusive pricing model is especially attractive for young professionals and expatriates who may prefer avoiding the financial and logistical burdens of car ownership.

3. Evolving Inventory Management for Automotive Dealers As the car subscription model gains traction, automotive dealers in Dubai must adapt their inventory management strategies. Dealers offering subscriptions need to maintain a fleet of vehicles that caters to diverse customer preferences while also handling the logistics of rotating cars between subscribers. A well-optimized inventory ensures that popular models are available on demand and that older vehicles are phased out efficiently. Embracing advanced inventory management solutions will be key to making car subscription a viable option in the UAE’s highly competitive automotive market.

4. Impact on Mergers and Acquisitions (M&A) The growing demand for car subscription services has created opportunities for mergers and acquisitions within the automotive sector. Established car rental companies, dealerships, and tech-driven platforms are exploring M&A as a means to enter or expand within the car subscription market. These deals can enable companies to scale their subscription services quickly and capture a significant market share. As this trend continues, we may see consolidation in the industry, where larger players acquire smaller subscription startups or form alliances to offer comprehensive vehicle-as-a-service (VaaS) solutions.

5. Sustainability and the Rise of Electric Vehicles (EVs) Dubai’s commitment to sustainability aligns well with the car subscription model, which is conducive to the growing popularity of electric vehicles (EVs). By offering EVs through subscription services, companies can reduce emissions and make eco-friendly driving accessible to more residents. Subscribers get the chance to try EVs without committing to a long-term purchase, making them more open to transitioning to sustainable vehicles.

Conclusion: Car subscription services are paving the way for the future of car ownership in Dubai, offering flexibility, convenience, and a shift away from the traditional burdens of ownership. For automotive companies, this trend presents new challenges and opportunities, especially in terms of inventory management and the potential for mergers and acquisitions to drive growth. As Dubai continues to embrace innovation and sustainable practices, the car subscription model stands to become a mainstream solution for residents seeking a modern approach to mobility.

[johnalexcooper]

Everything You Need to Know About Motability Schemes: Eligibility, Vehicles, and More

Motability schemes provide a valuable service for individuals with disabilities, offering an accessible and affordable way to drive or lease a vehicle. For people in Newry, accessing reliable transport is essential for daily activities, work, and socializing. Motability schemes enable those who qualify to lease vehicles tailored to their specific needs, making mobility easier and more enjoyable. In this article, we’ll explore the details of Motability schemes in Newry, covering everything from eligibility and vehicle options to additional benefits and the process for joining the program.

Understanding the Motability Scheme

The Motability scheme was created to help people with disabilities achieve greater independence by providing a structured plan to lease a vehicle using part or all of their mobility allowance. The scheme is well-structured and widely available throughout the UK, including Newry, making it easier for eligible residents to drive a vehicle of their choice, even if adaptations are needed.

How Motability Schemes Work

In the Motability scheme, participants can use their disability benefits toward the cost of a vehicle lease. This generally includes insurance, maintenance, and breakdown cover, so users don’t have to worry about extra expenses beyond fuel. Most leases last for three years, although some options, particularly for powered wheelchairs or scooters, might be available for a five-year lease.

Eligibility for Motability Schemes in Newry

Eligibility for the Motability scheme is based on specific criteria. In Newry, potential participants need to receive one of the following allowances to qualify:

- Increased Rate of the Mobility Component of Personal Independence Payment (PIP).

- Higher Rate Mobility Component of Disability Living Allowance (DLA)

- Armed Forces Independence Payment (AFIP)

- War Pensioners’ Mobility Supplement

Participants must have at least 12 months remaining on their allowance to join. While the scheme is beneficial for those eligible, it’s important to verify your qualifications to ensure a smooth application process.

Benefits of Choosing the Motability Scheme

There are several advantages to joining the Motability scheme in Newry, particularly if maintaining a vehicle independently isn’t financially feasible. Here are some primary benefits:

1. All-Inclusive Costs: The scheme covers a wide range of expenses, including vehicle insurance, maintenance, and breakdown coverage. This reduces the burden of unexpected costs.

2. Access to a Wide Range of Vehicles: The scheme offers an extensive selection of vehicles, ranging from compact city cars to spacious SUVs, giving participants the flexibility to choose a vehicle that fits their lifestyle.

3. Adaptations and Accessibility: The Motability scheme includes a variety of adaptation options, allowing individuals with specific needs to customize their vehicle. Whether you need hand controls, swivel seats, or wheelchair access, Motability-approved adaptations can be installed to ensure a comfortable driving experience.

4. Reliable Support and Service: The scheme partners with local dealers in Newry to provide high-quality service and support throughout the lease period. Regular servicing is covered, ensuring that your vehicle remains safe and efficient to drive.

5. Freedom and Independence: A vehicle on the Motability scheme can provide essential freedom for people with disabilities, enabling them to travel independently and conveniently.

Choosing the Right Vehicle in Newry

Newry residents will find a wide range of options when it comes to selecting a Motability vehicle. Here are several important categories to take into account.

1. City Cars and Compacts

   - Ideal for single drivers or couples who prioritize fuel efficiency and ease of parking, city cars are a popular choice for many Motability users. Compact models are perfect for manoeuvring around town and offer great visibility and control.

2. Family Cars and Hatchbacks

   - For those who require more space but want something manageable, family cars and hatchbacks are versatile choices. They offer ample interior room and are suited for longer trips, making them a great fit for small families or individuals needing extra cargo space.

3. SUVs and Larger Vehicles

   - If you require a vehicle with high seating or enhanced visibility, SUVs and larger cars are good options. These vehicles are well-suited for users needing more accessible seating arrangements, and many models can accommodate larger mobility aids.

4. Wheelchair Accessible Vehicles (WAVs)

   - WAVs are designed specifically for individuals who use wheelchairs. These vehicles come with ramps or lifts for easy entry and exit, providing a seamless experience for wheelchair users. The Motability scheme offers a range of WAVs, allowing participants to choose one that best meets their needs.

5. Eco-Friendly Choices

   - The scheme also includes electric and hybrid options, ideal for those looking to reduce their carbon footprint. Electric vehicles (EVs) are becoming more popular and can provide a smooth, quiet ride with minimal environmental impact.

The Process for Applying to Motability Schemes in Newry

Joining the Motability scheme is straightforward, but it’s beneficial to follow these steps to ensure you meet all requirements and choose a vehicle suited to your needs:

1. Check Your Eligibility: Verify that you receive one of the qualifying allowances and that you have at least 12 months remaining on your benefits.

2. Visit a Local Dealer: Dealers in Newry with Motability accreditation can help guide you through the options, explain available vehicles, and answer questions about adaptations.

3. Choose Your Vehicle and Adaptations: With the help of a Motability specialist, select a vehicle that suits your needs, whether it’s a compact city car or a WAV. Discuss any required adaptations and arrange for them to be installed.

4. Complete the Application: The dealer will assist in completing your application for the Motability scheme. Once approved, you can arrange for delivery or collection of your vehicle.

5. Renewal and Return: After the lease period, you can renew and choose a new vehicle if desired. Alternatively, the vehicle can be returned, and you may decide on a different mobility solution.

Support and Additional Resources

One of the major advantages of the Motability scheme in Newry is the ongoing support offered throughout the lease period. For instance, routine maintenance and repairs are included, so there’s no need to worry about managing unexpected issues on your own. In addition, roadside assistance is available, giving you peace of mind if any breakdowns occur.

Local community centres and support organizations can also provide additional guidance for new participants, helping them navigate the process and answer any questions that may arise.

Frequently Asked Questions

1. Can a family member or friend drive my Motability vehicle?

Yes, you can designate up to three named drivers for the vehicle, as long as they meet the insurance requirements. This option is helpful for those who may not drive themselves but need someone to drive for them.

2. Are there restrictions on mileage?  

Yes, the typical mileage limit is around 20,000 miles for the three-year lease. Exceeding this limit may incur additional charges when returning the vehicle.

3. What happens if my circumstances change?  

If your eligibility changes or if you no longer need the vehicle, you can contact Motability to discuss options. They offer flexibility in managing changes to the lease.

Conclusion

For those in Newry, the Motability scheme provides a lifeline for accessible and affordable transport, empowering individuals with disabilities to maintain their independence. By understanding eligibility, choosing the right vehicle, and knowing the process, you can take full advantage of the benefits that Motability schemes offer. Whether you need a compact car or a fully adapted WAV, the scheme is here to help make mobility achievable and stress-free.