#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.”

[changedlives]

Shalom Bishop Foreman & Harvest

Early October, I was having car troubles. The mechanic told me the repairs would fall under “an act of God” through my insurance. A rodent had chewed the wires in the engine. So I filed an insurance claim knowing that God was going to be behind this test. The insurance told me the car was totaled. 3 weeks later I purchased the same kind of car, different year. After owning the new car for 10 days, the insurance agent called me to say the original car can be fixed. That left me no choice but to return the new car while I still had time to. As much as I didn’t want to return the car, I couldn’t risk being stuck with 2 of the exact same car and 2 car notes. Fast forward another 3 weeks, the repairs only cost $300 to fix the wires on the original car. I picked it up today and went straight to the dealer to see if I could trade the old car in for the new car I had to return. All glory be to God... I was fully approved, and my credit score is 749. I gave God praise in the dealership!! The new car note only increased by $20, the car has way fewer miles and way more features! I never been above walking or riding the bus, but this valley reminded me and taught my kids to be humble and to appreciate everything God gives us. We grew in unity & humility. I’m so grateful to consciously use ALL of the spiritual tools I learned from my Bishop! Thank you for your outstanding leadership, sir.

Faithful givers flourish & Every delay is to our benefit.

[bukopedia]

Honda Motability Schemes: Driving Freedom and Independence

For individuals with disabilities or mobility challenges, access to a reliable vehicle can be life-changing. Honda Motability Schemes are tailored to offer these individuals and their families a seamless and stress-free driving experience. Known for their reliability, comfort, and innovative technology, Honda vehicles make an excellent choice for Motability customers.

What is the Motability Scheme?

The Motability Scheme is a UK-based initiative designed to provide affordable access to cars, scooters, and powered wheelchairs for individuals with disabilities. It allows eligible people to lease a vehicle using their mobility allowance, ensuring they enjoy greater freedom and independence.

Honda’s involvement in the scheme highlights the brand's commitment to inclusivity and accessibility, offering a range of models with adaptable features to cater to various needs.

Key Benefits of Honda Motability

Affordable and Inclusive Leasing

Under the scheme, customers can lease a Honda vehicle for three years with costs covered by their mobility allowance. The leasing package typically includes:

Insurance coverage

Servicing and maintenance

Breakdown assistance

Replacement tyres and windscreen repairs

Wide Range of Models

Honda’s lineup of vehicles caters to diverse preferences and requirements:

Honda Jazz Hybrid: Compact yet spacious, the Jazz Hybrid is perfect for city driving with impressive fuel efficiency.

Honda HR-V: A stylish SUV with ample space and advanced safety features.

Honda Civic: A sleek and powerful hatchback, that combining comfort with performance.

Honda CR-V Hybrid: A larger SUV, ideal for families or those requiring more space, equipped with hybrid technology for eco-friendly drives.

Adaptability Features

Honda works closely with adaptation specialists to offer modifications, ensuring the vehicles meet specific needs. These can include:

Hand controls for driving

Swivel seats for easier access

Wheelchair hoists or storage solutions

Why Choose Honda for Motability?

Reliability and Innovation: Honda’s reputation for durability and cutting-edge technology ensures a dependable and enjoyable driving experience. Features like adaptive cruise control, parking sensors, and a user-friendly infotainment system enhance convenience and safety.

Eco-Friendly Options: With hybrid models like the Jazz and CR-V, Honda combines performance with sustainability, making it easier for Motability users to reduce their carbon footprint.

Customer Support: Honda dealers across the UK provide dedicated Motability specialists who guide customers through the entire process, from choosing the right model to arranging adaptations.

How to Apply for a Honda Motability Scheme?

Check Eligibility: Ensure you receive one of the following mobility allowances:

War Pensioners’ Mobility Supplement (WPMS)

Armed Forces Independence Payment (AFIP)

Visit a Honda Dealer: Locate your nearest Honda Motability specialist for a consultation.

Choose Your Vehicle: Explore models and discuss any necessary adaptations.

Sign the Lease: After finalizing the details, sign the agreement, and look forward to receiving your new Honda.

Final Thoughts

Honda Motability Schemes empower individuals with disabilities to reclaim their independence and explore the world on their terms. By offering affordable leasing, tailored adaptations, and top-notch customer service, Honda reaffirms its dedication to inclusivity and innovation.

[autospoke]

Pre-Owned Luxury Car: A Guide to Finding Your Dream Ride

Mumbai, the financial capital of India, is a city of dreams, where luxury is a way of life. For those who aspire to own a luxury car, the pre-owned market offers a compelling alternative to buying new. With a plethora of pre-owned luxury car dealers in Mumbai, finding your dream ride has never been easier.

The Pre-Owned Luxury Car Market in Mumbai

The pre-owned luxury car market in Mumbai is thriving. It caters to a diverse range of buyers, from young professionals to established businessmen and women. Factors driving this growth include:

Affordability: Pre-owned luxury cars offer significant savings compared to new models. This makes them accessible to a wider range of buyers.

Variety: Pre-owned car dealers in Mumbai offer a wide range of models from top brands like Mercedes-Benz, BMW, Audi, and Porsche.

Faster Depreciation: Luxury cars depreciate faster than regular cars. Buying a pre-owned luxury car allows you to avoid the initial steep depreciation.

Certification and Warranty: Many dealers offer certified pre-owned cars with warranties, ensuring peace of mind.

How to Choose the Right Pre-Owned Luxury Car Dealer in Mumbai

Choosing the right pre-owned luxury car dealer in Mumbai is crucial. Here are some tips to help you make an informed decision:

Reputation and Experience: Look for dealers with a strong reputation and years of experience in the luxury car market.

Selection: A good dealer will have a wide range of pre-owned luxury cars to choose from.

Certification: Opt for dealers who offer certified pre-owned cars with warranties.

Financing Options: Consider dealers who offer flexible financing options.

After-Sales Service: Good after-sales service is essential for maintaining your luxury car.

Top Pre-Owned Luxury Car Dealers in Mumbai

Here are some of the top pre-owned luxury car dealers in Mumbai:

Autospoke is a top pre-owned luxury car dealer in Mumbai, offering a wide selection of certified pre-owned vehicles from leading brands. They prioritize quality, transparency, and a hassle-free buying experience. Consider them as a starting point for your dream car search.

Tips for Buying a Pre-Owned Luxury Car in Mumbai

Do Your Research: Research the model you're interested in, its features, and its market value.

Inspect the Car Thoroughly: Have the car inspected by a mechanic to ensure it's in good condition.

Check the Service History: A well-maintained car will have a complete service history.

Negotiate the Price: Don't be afraid to negotiate the price with the dealer.

Consider Insurance Costs: Luxury cars can be expensive to insure.

Get a Vehicle History Report: This will help you identify any potential issues with the car.

Buying a pre-owned luxury car in Mumbai can be an exciting experience. By following the tips mentioned above and choosing a reputable dealer, you can find your dream ride at a fraction of the cost of a new car.

By following these tips, you can ensure a smooth and hassle-free experience when buying a pre-owned luxury car in Mumbai.

Remember, buying a pre-owned luxury car is a big investment. Do your research, compare your options, and make an informed decision.

[cardealershampshire]

The Value Of Car Dealership

In regards to buying a vehicle, selecting the right car dealership is certainly one of the most crucial decisions you'll make. Not totally all car dealers offer the exact same level of service, quality, and pricing. A reliable car dealership can make the process smoother by providing a wide variety of options, including new, pre-owned cars, and flexible finance plans. If you're trying to find used cars on the market, it's crucial to choose a store known for selling well-maintained vehicles. This ensures you obtain value for your hard earned money and reduces the danger of buying an automobile with hidden problems. One of many key factors in selecting the proper used car dealers is to judge their reputation. You are able to check online reviews, ask for recommendations, and go to the dealership in person to assess their professionalism. Reliable car dealers usually have a clear approach to pricing and vehicle history. They give detailed details about the condition of used cars, offer warranties, and could even provide a free digital marketing audit to simply help with their business transparency.

Trustworthy dealers also ensure their cars are properly serviced, making your buying experience stress-free and satisfying. Financing is another crucial aspect when investing in a car. Many car dealerships offer financing options by way of a car finance company, letting you buy a car without paying the full amount upfront. However, it's essential to compare different financing offers to have the best price car finance. Used car finance may have higher interest rates, especially for older models, so it's worth exploring various financing avenues. Check the terms and conditions before committing to any car finance deal, ensuring the monthly payments and interest rates align with your budget and preferences. Investing in a pre-owned car is an excellent way to truly save money, but it's important to ensure you're obtaining a reliable vehicle. Many used car dealers specialize in pre-owned cars, offering a number of options at different price points. While used car sales can present a way to purchase a car at a fraction of the cost of a brand new one, you ought to also have the car inspected with a professional before making a purchase.

A trustworthy car dealership will give you a thorough inspection and might even offer warranties to cover the car for a certain period after purchase. Once you've found the proper used car dealers and secured used car finance, the next phase is to consider the long-term cost of owning the car. It's vital that you element in expenses such as for instance maintenance, insurance, and fuel. Depending on the make and model, some pre-owned cars could have higher upkeep costs. Be sure to ask about the car's maintenance history, as this may provide insight into potential future expenses. A good car dealership will offer you a definite picture of the expenses associated with maintaining the car, ensuring you will find no surprises down the road. In conclusion, purchasing a car requires consideration of several factors. Deciding on the best car dealers and car dealerships ensures that you get a reliable vehicle at a reasonable price. Always take some time to examine used car sales, understand the financing possibilities, and think about the ongoing costs of ownership. With the right used car finance plan and a respected car finance company, you can confidently drive away in a pre-owned car that fits your requirements and budget.