Lemon Laws Don?t Protect Used Car Buyers
Most buyers of new cars are probably familiar with lemon laws, which allow consumers a refund or replacement when their car turns out to be defective. These laws generally cover leased cars as well as purchased ones, and they have worked well as a consumer protection tool. Unfortunately, no such laws exist for used cars, and buyers should be careful when purchasing them. Many car dealers offer "certified used cars" that come with some sort of warranty, but most independent used car dealers do not. In most states, the law permits used car dealers to sell cars "as is", and in that case, anything that goes wrong, even if it happens five minutes after purchase, becomes the buyer's problem.
Dealers selling cars on an "as is" basis often aren't even required to disclose any problems a vehicle might have to potential buyers. Most independent car dealers sell older, less expensive cars than those sold at major auto dealerships. A lot of the profits that independent used car dealers make come from financing, particularly from financing those with bad or poor credit. Those with problem credit often find that such dealerships, which self-finance, are their only chance at obtaining a car loan. These loans, with their resulting high payments, often leave buyers without any extra cash to pay for repairs of undisclosed problems.
Legislators in several states are considering laws that will require used car dealers to have their cars inspected by certified mechanics prior to their being offered for sale. This will help, in time, but what can a potential buyer do now?
After all, a used car is one that someone else didn't want anymore. Buyers who are considering a purchase of a used car should be aware that their protection under the laws of most states is quite limited. Asking a few questions and doing some investigation prior to making the purchase may save buyers thousands of dollars down the road..
?Copyright 2005 by Retro Marketing. Charles Essmeier is the owner of Retro Marketing. Retro Marketing, established in 1978, is a firm devoted to informational Websites, including LemonLawHelp.net, a site devoted to automobile lemon laws and End-Your-Debt.com, a Website devoted to information about debt consolidation and credit counseling.5 Steps To Cheap Car Insurance Premiums
Although car insurance is compulsory, it's not necessary to pay more than you have to. A few simple steps combined with some time surfing for competitive car insurance rates really can save you serious money.Step 1 - ExcessThe easiest way to cut your car insurance premiums is to cut the risk and accept a higher voluntary excess. An insurer's standard excess may be ?100 but if you meet the first ?250 of any claim, you'll see a reduction in your premium. This is because you're taking on more of the risk so you get a discount. But it's a gamble, be aware that you might have to meet the cost of a broken window after an attempted theft, then a bill for repairing bodywork damage after a car park crunch.Step 2 - SecurityFitting security devices can also result in cheap car insurance premiums.
All major insurers insist on Thatcham rated security equipment, usually a minimum of an alarm. If you live in a high-risk area for car crime, it makes sense to fit extra security....
5 Steps To Cheap Car Insurance Premiums
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Car Accident Statistics
Car accident statistics indicate that at least four people involved in car accidents die every hour. These accidents could be due to the fault of the driver, the other driver, or due to a faulty vehicle. The important thing to consider is the number of deaths occurring every day, excluding the people involved in car accidents and sustaining severe personal injuries.
The main causes for car accidents are reckless and negligent driving and alcohol. Teenagers, according to the statistics, cause most car accidents Inexperience coupled with irresponsible behavior and a lack of respect for the safety precautions are the main causes for such a high number of teenage car accidents.
Another reason is the inattentiveness of the driver. Many people talk while driving, which might prove to be fatal because it distracts the driver from the road. Even though hands free mobile phones are the latest craze, the driver would be unable to concentrate on the road while...
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Car Insurance
Driving without car insurance is illegal in most parts of the world!Car insurance is one of the most important types of insurance that you can get. If you are going to drive anywhere, then you are most likely required by law to have at least a minimal amount of car insurance. Once you are required to have that minimal amount, you might as well make sure that you get enough insurance to cover most of the possible things that could happen to you or your car while you're driving.There are several things to consider when you are looking for car insurance. The first is what amount you're required to have by law - though usually you will get that information when you register your new vehicle and get your license plate. The second is that you should make sure that you know exactly who needs to be insured for your car.Essentially, when you insure your car, most insurance policies want to know who is going to be driving it, and what their driving record is like.
Then, depending on the...
Car Insurance
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Zakk Wylde Chosen To Mark One Of The Most Important Events In Guitar Player Magazine?s 37-Year History
Hollywood, CA (ContentDesk) February 5, 2004?-Zakk Wylde graces the cover of Guitar Player Magazine's March 2004 issue. This cover is not only a landmark issue for Guitar Player Magazine, but also a landmark for Zakk Wylde, both personally and professionally. "I have always wanted to be on the cover of Guitar Player Magazine since I was a kid," explains Wylde. "Back in the day, they were the only guitar magazine. I saw all my heroes on the cover and I still own those magazines to this day.
Guitar Player Magazine always has the real-deal serious players on the cover. It is an honor for me to be considered a player of the same caliber as my heroes."The first cover, featuring Zakk Wylde, was designed by award-winning Pentagram Design. Guitar Player Magazine now touts a bold new look and appeal. "We needed to have the perfect cover for this transition. Zakk was the obvious choice for us," states Michael Molenda, Editor and Chief of Guitar Player Magazine.
"Zakk appeals to everyone....
Zakk Wylde Chosen To Mark One Of The Most Important Events In Guitar Player Magazine?s 37-Year History
Car cd player > Zakk Wylde Chosen To Mark One Of The Most Important Events In Guitar Player Magazine?s 37-Year History