Car-Lotta Credit and Car Sales Blog

Select a story from the drop down below or browse any of our recent stories from the Car-Lotta Credit and Car Sales blog.

Do You Use Winter Wiper Blades?

Mon, 13 Jan 2020 18:06:00 +0000
 Winter Blades have a rubber sheath over all of the moving components inside of the wiper. These are springs built inside of it to actually hug the wiper blade tight to your windshield. You have probably already noticed in the wintertime, you're driving along and try and use your wiper blades, they won't touch all of the windshield itself. It'll actually leave streaks and portions of it that are un cleaned. This is from is from ice, debris, and snow, getting inside of the springs and keeping them from contacting your windshield. What the rubber sheath does is keep those formed particles from affecting the way the mechanics of the wiper blade has been designed to operate.

Is it a good idea if you do a lot of driving in the wintertime to go ahead and change out your wiper blades?
Car-Lotta wants you to  decide!

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Thinking Of Buying A Vehicle Online

Mon, 06 Jan 2020 13:00:00 +0000
You can buy just about anything online these days. And  that list now includes vehicles.
A vehicle is one of the largest purchases you’ll make in your lifetime. You may think buying a new car, truck or SUV sight unseen would be enough to scare away most buyers.
The market for online auto sales is growing.  And many car shoppers are finding they prefer it.
How can you buy a car online? And more importantly – should you? Here’s what you need to know about the world of internet car shopping.


The internet has changed the way people research and buy cars. Today, most traditional auto dealers also display their vehicle inventories online. This allows you to search for the perfect car across the U.S.
If you’re looking to complete your entire purchase online, there are several options. Some popular online car sales sites include:


Here are some reasons some shoppers opt to skip the dealership and head to the computer:
  • Selection: Unlike your neighborhood car dealership, buying a car online allows you to choose from a large national inventory containing thousands of new and used vehicles.
  • Price:  Recent studies found that people who bought a vehicle online saved an average of $185 or 0.8%, depending on the model. But keep in mind that you often can’t negotiate online car prices the way you can with a salesperson.
  • Transparency: When you buy online, you get the details of your car’s pricing and fees upfront.
  • Convenience: Buying a car online means you can shop 24 hours a day to find the right make, model and year for you. Because you’re making the purchase from the comfort of your home, you won’t spend half your Saturday signing paperwork at the dealership. And your car can be delivered right to your door.
  • Return policy: Since you won’t have a chance to test drive your new car, many online auto sellers offer a return policy. It usually ranges from 5 to 7 days after your purchase.


For all the benefits of online car buying, there are some downsides, too:
  • Test drives:  For many  not getting a feel for how your new car rides and handles before the purchase can be a deal breaker. You can always test out a similar vehicle closer to home, but you won’t get to experience the ride of your  own new car firsthand if you buy  online.
  • Inspections: Buying a car can be a big decision to make off online photos alone. You won’t get a chance to “kick the tires” before your  purchase. While most online sellers claim to thoroughly inspect their vehicles, it may be worth paying for a pre-purchase inspection  out of your own pocket. The peace of mind can be worth the cost, and  save you from any potential surprises.
  • Service perks and warranties: Your local dealer can give you access to perks like loaner vehicles or service discounts. And if you’re purchasing a used car, factory certified warranties can be more generous than what you’ll get from a third party.
  • Delivery cost: If you’re buying  from out of state, you’ll need to get it to your garage somehow. Whether you fly to pick up your car and drive it home, or have it delivered to your door, be sure to factor in any delivery expenses.
  • Personal service: For many,  a big purchase is more than just a transaction… it’s about building a relationship. When you buy from a local dealer, you have a go-to person you can trust to treat you right and be there for whatever’s next.

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Is Your Vehicle Ready For 2020?

Mon, 30 Dec 2019 13:00:00 +0000
In a few short days   we will be welcoming in 2020 !
Here are a few easy things you should do for your 4-wheeled friend in the New Year :

Find the right mechanic. Keeping your car running well doesn’t have to be time-consuming or expensive if you find a mechanic you trust. Your local Car-Lotta Branch will be able to help you with recommended service shops in your area.

Make sure to get it serviced frequently, and stick to the schedule maintenance timetable. This includes things such as changing your oil, rotating tires and checking the fluid levels (oil, transmission coolant (anti-freeze). It also means not forgetting larger items like timing belts or water pumps and brakes.

Get your vehicle Inspected once a year …. Remember, Pennsylvania requires a Safety and in some counties Emission Inspection yearly.

Regular maintenance is important to keep your car safe. With proper care your car will last longer and some of the possible problems can be avoided.

Car-Lotta Credit assures all of the vehicles for sale are serviced  before leaving the lot !   
Happy New Year!!

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Did Your Vehicle Start Today?

Mon, 23 Dec 2019 13:00:00 +0000
It happens..... You are already to head out  and click-click-click-click.

A dead battery can be a real  annoyance. You  never really know when your battery is going to need a boost. This  usually happens at the most inopportune time—and if there’s no one around to help out with jumper cables, you may need to pay a tow truck to have your vehicle towed to a mechanic. Then  pay your mechanic to fix the problem.  

 A solution is to get  yourself a portable battery charger. You’ll be able to help yourself and probably  other drivers who break down as well. They are very simple to use and  relatively  inexpensive. It is a purchase worth the  investment  and  the time it takes to figure out   how to use  when you  weigh these  against the possibility of being stranded.

Car-Lotta reminds you to be prepared!  

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Did You Have Ice Or Snow On Your Windshield This Morning?

Mon, 16 Dec 2019 13:00:00 +0000

Did you walk out the door this morning to leave for the day and find .... ICE OR SNOW ON YOUR WINDSHIELD?? 

Here are a few tips to get you through those days when the ice is just too thick to melt and scraping it off is a must.

1. First thing to do is start your vehicle engine. This will allow heat to travel up to the windshield and start the melting process naturally.

2. Turn your vehicle defroster on low. Turning it on high is not a good idea when the windshield is full of ice, this could cause the window to crack.

3. Use an ice scraper to remove the ice from your windshield. This tool is specially designed just for this annoying problem.

NO Ice Scraper?? Keep Reading: 
4. Kitchen utensils are not only good for cooking, they are also good for removing the ice of your windshield. Plastic spatulas work wonders on thin ice.

5. Keep salt in arms length when winter arises. NOT cooking salt, but salt that is grainy. Take the salt and pour it on the windshield, then with gloves on, rub the salt onto the windshield. Step back for a few minutes so the salt can start to melt the ice away and then start scraping.

6. Try this simple homemade solution - One of the best ways to remove the ice off of your windshield is a simple mixture that contains items you find inside of your house. Fill a spray bottle with one cup of water, one cup of rubbing alcohol and one cup of vinegar. Shake well and spray it all over the windshield. Let it sit for about five minutes and watch the ice just roll down the glass. You can try scraping it as well, but usually all you need to so is spray and watch.

7. This might sound a bit strange but .... but you can plug a blow dryer in a waterproof extension cord and point it at your window when iced up. Don't turn it on high, keep it on low and move slowly across the windshield until you see the ice slowly disappear. This process may take a bit of time.

You can always AVOID ice on your windshield by investing in a piece of cardboard shaped to the size of your windshield. Place it on the windshield the night before a freeze, then remove in the morning with no worries about scraping or melting the ice off. All you have to worry about is keeping yourself warm.

Car-Lotta reminds you to BE PREPARED!

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Looking For Some Holiday Cash?

Mon, 09 Dec 2019 13:00:00 +0000
Looking for some extra cash for the holiday?   
Do you have a vehicle you want to sell??

We buy ....

* cars, crossovers trucks, pickups, minivans, SUV's and 4X4's
* the years we will buy are from 2009 to 2016
* mileage can be from 50,000 to 155,000 miles
* we do not buy salvage or reconstructed vehicles
* the price range is from $1500 to $5,000

In less than 30 minutes we'll give you a price to buy it from you and if you have your drivers license and the title of the vehicle with you, you can leave with the check in your hand and no hassles

Do you have a car you want to sell?
Give us a call, or email us: [email protected].

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How Well Do You Know The Four Way Stop Rule?

Mon, 02 Dec 2019 13:00:00 +0000
Do you have good driving techniques and constantly do your part to practice safe driving methods?  It is  important to know and understand how a 4-way stop properly works.

  1. When you approach a 4-way stop, whether it’s at a traffic light or stop sign, it’s important to slow down and come to a complete stop. You’ll want to pay attention and take notice if there are any other vehicles stopped around you or any vehicles coming up to the 4-way stop.
  2. Make sure that you have come to a complete stop within the indicated lines on the road. You can move forward if you have trouble seeing, but only after you’ve come to a complete stop. Failing to do so can  result in a traffic ticket.
  3. Take a look around and see if there are any other cars at the 4-way stop. If you’re the only vehicle at the stop, then you have the right of way and are free to go. Remember this golden rule: automobiles leave the stop sign or traffic light in the same order in which they arrived at the stop. If you arrive at a 4-way stop first, then you get to leave first. If you’re the last person to arrive at the stop, then you will have to wait until the other three cars have moved on before you can do the same.
  4. There are times when automobiles will arrive at a 4-way stop at the same time. Therefore, when this occurs, it’s important to know which vehicle has the right of way. The car that is furthest to the right is allowed to go first. Though this is the appropriate and legal method, there are still motorist who don’t always follow this rule. To avoid accidents, you may choose to wait a few seconds before moving forward. Just because it’s technically you're turn to go, doesn't always mean the other vehicles will allow you to do so.
Car-Lotta reminds you that the road doesn’t have to be a dangerous place. In fact, most accidents can be avoided. Stay safe out there!

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Traveling For Thanksgiving?

Mon, 25 Nov 2019 13:00:00 +0000

Thanksgiving  is  undoubtedly the busiest travel time of the year. Traffic and travel snags meet travelers at nearly every turn. With  some thoughtful planning, you can ease some travel headaches whether you're heading home for the holidays or escaping for a drama-free adventure.

 Regardless of your plans, you'll be thankful for these Thanksgiving travel tips.


1. Plan out an alternate route

More travelers mean more cars, and more accidents, make sure you have at least one alternate route planned out that you can take to avoid huge delays. Try to plan your route along less popular freeways. Even if the mileage is a bit more it will be worth it when you’re driving 65 for that extra 10 miles than stuck locked in traffic for an extra 2 hours. This is also a good idea for those traveling very long distances where weather may be an issue.

2. Have a connected navigator

It doesn’t do you any good knowing about a great alternate route when you’re already swamped in traffic, so try to have a passenger that can look online at the traffic as you go. There are tons of great apps out there like, Waze, and INRIX Traffic. With the help of your passenger and one of these apps you can see where the trouble areas are on the road and proactively avoid them. If you plan on going it alone make sure to pull off the road before using your phone. Distracted driving is one of the leading causes of single passenger vehicles.

3. Leave at an awkward hour

Driving at night may not be fun, but it is a great way to avoid the traffic saving you time and stress. Consider resting all day and not getting on the road until 9pm. It is important to make sure that you get plenty of rest before setting out on a long night drive, as fatigued driving creates a huge hazard on the road.

4. Make your drive on Thanksgiving Day


Generally the traffic is much lighter across the U.S. on Thanksgiving Day itself, meaning that you can avoid the hassle of traffic the day before and get where you’re going without having to leave at a strange hour or risk sitting in traffic for hours. Unless you are traveling an extreme distance, leaving at 6 am Thursday morning should give you more than enough time to make it wherever you are going in time for dinner.

5. Leave Early!

Sunday is by far the worst day to be making your return trip, and the traffic will only increase as the day goes on and the last of the stragglers are getting back on the road. Friday is the best day to hit the road for the return trip. Of course that does not leave you a whole lot of time to visit the family if you just drove up the day before, consider taking off the following Monday and returning then. That way you’ll miss all of the holiday traffic, and have an extra two days to spend with the family — OK, maybe just leave Friday.

 Car-Lotta Wishes You A Happy Thanksgiving.

Our offices will be CLOSED on Thursday, November, 28th in observance of the Holiday. 

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Do You Know The Risks Of Fall Driving?

Mon, 18 Nov 2019 13:00:00 +0000
It won't be long before  snow will start  falling (ugh) . 
Fall driving can be unpredictable because of weather changes, the end of daylight saving time and the start of school. 

Know the risks and prepare! 

Watch out for kids. Early in the school year, youngsters often haven't developed the habit of looking for moving traffic before they cross the road leaving a school bus. It's illegal to motor past a stopped bus in most places. And buses are beginning to use cameras to catch people who do drive by when the "Stop" arms are extended and the lights are flashing. Older kids driving to and from school are a danger, and in danger, too. "Teen crashes spike  as kids head back to school, and happen more often during hours when school begins and lets out.

Beware of darkness. It comes earlier anyway as the year ages, and that's accelerated when clocks most places in the U.S. shift back to standard time in early November. While just 25 percent of our driving is at night, 50 percent of traffic deaths occur then, according to the National Safety Council. Also, a 50-year-old driver might need twice as much light to see as well as a 30-year-old, NSC notes. And at 60 years and older, we generally see road signs less clearly, we have more trouble judging speed and distance, and glare begins to bother us more.

Be critter conscious. You're 3.5 times more likely to hit an animal - especially a deer - in November than at any other time of the year, the Insurance Institute for Highway Safety cautions. Deer are likely to be mating in November and that's why you see more of them.. About 1 of every 100 drivers will hit a deer during the driver's life behind the wheel.

           Car-Lotta Credit and Car Sales reminds you to drive safe.

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How Often Do You Drive At Night?

Mon, 11 Nov 2019 13:00:00 +0000
We all know there are plenty of driving hazards to worry about during the day – f rain-rain- snow-deer-potholes. Driving at night adds a completely new set of challenges.
Why? It all comes down to one word: visibility.
During a clear day, you might be able to see thousands of feet ahead of you. But when the sun’s down and your headlights are on, that visibility can be reduced to as little as 150 feet!
All this means that when driving at night, you have less time to react. It’s important to make sure you’re seeing things clearly.

Here are few tips for driving at night......

  • Check your vision. Even if you don’t wear prescription glasses, poor night vision may warrant a trip to the eye doctor. As you age, it’s common to have more difficulty seeing at night. Blurry vision, trouble seeing objects or experiencing glare from lights are all reasons to schedule an appointment. Correcting your vision with glasses or contact lenses could put an end to your night-driving woes.
  • Get a clear view. A dirty windshield or worn windshield wipers can add an extra layer of difficulty to nighttime driving, especially if the rain starts to pour. For increased visibility, always make sure your windshield is clean and replace your wipers if they start to streak.
  • Clean your headlights. Road grime can easily cover your headlights and dim their beams. Old, oxidized plastic housings can make lenses foggy. Remember to clean your headlights periodically and pick up a headlight restoration kit at your local auto parts store if your lights look cloudy or yellowed.
  • Dim your dashboard. Bright infotainment screens and dashboards aren’t just distracting – they can also make it difficult for your eyes to adjust to low light. Use the dimmer switch in your vehicle to turn down the lights and improve your nighttime visibility in the process.
  • Leave the night driving glasses at home. Like many “As-Seen-On-TV” products, night driving glasses aren’t all they’re cracked up to be. Tinted lenses can help during the day, but anything designed to limit light at night is counterintuitive. Your eyes will adjust to low light on their own. If it’s hard to see at night, try the above tips before investing in these yellow shades.
The most dangerous trips you take are the ones that happen after the sun goes down. Following these tips can keep your visibility at its best, helping you maintain a clear view of the road ahead.
At Car-Lotta  we’re focused on the road ahead, too.

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Did You Remember To Fall Back?

Mon, 04 Nov 2019 13:00:00 +0000
 The afternoons are about to feel a whole lot shorter!!
Daylight Saving Time ends on Sunday, Nov. 3, across the United States, which means earlier sunsets and longer nights.
The time change officially takes place at 2 a.m. local time, but you don't necessarily have to move the big hand on your clock behind an hour. The change is automatic for most smartphones, computers, tablets , some automobiles and other digital devices.
Not every state follows Daylight Saving Time. Most of Arizona and Hawaii, along with some U.S. territories.

Car-Lotta reminds you to double check ALL your devices!

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Thinking of Trading Your Vehicle In?

Mon, 28 Oct 2019 12:00:00 +0000

There’s nothing better than that new car feeling. Before you drive your new ride off the lot, you often have to decide what to do with the vehicle in your driveway.

You have two options when it comes to getting rid of a used car: selling it yourself or trading it in.

There are pros and cons to each. A private party sale can net you a higher profit, but it also takes a lot more work. Trading in your vehicle to the dealer is fast and easy—but it will probably net you less cash.
How To Get The Best Trade-In Value For Your Car
Know the value. Knowing your trade-in value will let you know if the dealer’s offer is fair. 
Shop around. Every dealer prices trade-ins differently. Experts recommend getting at least three estimates from competing dealers.
Debts make a difference. Owe more than your car’s worth? Expect that negative equity to get rolled into your next car loan and budget for it appropriately.
Prepare for the sale. A deep clean and a record of repairs can make your car more marketable, and possibly fetch you a higher trade-in price.
You’ll need to negotiate. Just because a dealer makes a trade-in offer doesn’t mean you have to accept it.

Car-Lotta reminds you that following these tips can help increase the value of your trade-in. 

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Do You Ever Leave Your Keys In Your Car?

Mon, 21 Oct 2019 12:00:00 +0000

It seems like a no-brainer.... Take your keys with you when you get out of your car!!!

While vehicles thefts overall are decreasing, car thefts with keys left inside are increasing.

A report from the National Insurance Crime Bureau reports that there were over  126,603 car thefts with keys left inside between 2012 and 2016.
The research revealed interesting information about where and when car thefts with keys left inside were most common:
  • The top five states for car thefts with keys left inside during this reporting period were California, Texas, Florida, Michigan and Ohio . 
  • Saturday was the most common day for car thefts with keys left inside followed by Friday  and Monday.
Car thefts with keys left inside are especially unfortunate because they don’t need to happen. With so many advanced anti-theft technologies for autos out there, leaving your keys in the car is an open invitation out there for car thieves.
Car-Lotta Credit and Car Sales reminds you- NEVER leave your keys in the car!!

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Did You Ever Have A Dead Battery?

Mon, 14 Oct 2019 12:00:00 +0000
Did you ever  have one of those wonderful days when your car won’t start? If you left your lights, radio, or some other electrical gizmo on after you parked the car, you know what the trouble is: Your battery is dead.

Dead batteries are a real  annoyance. You  never really know when your battery is going to need a boost. This  usually happens at the most inopportune time—and if there’s no one around to help out with jumper cables, you may need to pay a tow truck to have your vehicle towed to a mechanic. Then  pay your mechanic to fix the problem.

 A solution is to get  yourself a battery charger. You’ll be able to help yourself and probably  other drivers who break down as well. They are very simple to use and  relatively  inexpensive. It is a purchase worth the  investment  and  the time it takes to figure out   how to use  when you  weigh these  against the possibility of being stranded.

Car-Lotta Credit and Car Sales does not want you to be stranded-

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Did You Know That October Is Fall Car Care Month?

Mon, 07 Oct 2019 12:00:00 +0000

 Why not take some  time to be car care aware and make sure your vehicle is ready for the harsh winter weather ahead? Taking a few simple steps now can save you the headaches and cost of an emergency breakdown later.

 Whether you do it yourself or take your car to a professional service technician,  Car-Lotta Car Sales recommends five proactive steps to make sure your car is ready for winter driving.
1.    Battery – Keep the battery connections clean, tight and corrosion-free. Cold weather is hard on batteries, so it’s wise to check the battery and charging system. Because batteries don’t always give warning signs before they fail, it is advisable to replace batteries that are more than three years old.  
2.  Heater, Defrosters and Wiper Blades – Check that the heating, ventilating and air conditioning (HVAC) system are working properly as heating and cooling performance is critical for interior comfort and for safety reasons, such as defrosting. Fall is also a great time to check your air filter. Wiper blades that are torn, cracked or don’t properly clean your windshield should be replaced. As a general rule, wiper blades should be replaced every six months. When changing the blades, be sure to also check the fluid level in the windshield washer reservoir.
3.    Tires – Check the tires, including the tire pressure and tread depth. Uneven wear indicates a need for wheel alignment. Tires should also be checked for bulges and bald spots. If snow and ice are a problem in your area, consider special tires designed to grip slick roads. During winter, tire pressure should be checked weekly as tires lose pressure when temperatures drop
4.    Brakes – Have the brake system checked, including brake linings, rotors and drums. Brakes are critical to vehicle safety and particularly important when driving on icy or snow-covered roads.
Car-Lotta Credit and Car Sales  reminds you that getting  your vehicle ready for winter while temperatures are still mild is a proactive approach to preventive maintenance that helps ensure safety, reliability and fewer unexpected repairs when severe winter weather strikes.

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Do You Cancel Your Motorcycle Insurance During The Winter Months?

Mon, 30 Sep 2019 12:00:00 +0000
Temperatures are  starting to dip. Most   motorcycle riders typically start the process of topping off their tanks, adding fuel stabilizer, and other details that go along with retiring a bike to storage for the winter. This is also when some riders start to wonder whether they can save a few dollars by temporarily cancelling insurance on their bikes.

Should you drop insurance on a motorcycle that is in winter storage? It may be tempting, but, if you give it some thought, you'll probably find that it's not the soundest practice.


Why You Should Keep Yourself Protected?

You have to be certain that your bike will remain in storage for the entire season. Even if your area is hit with unseasonably warm winter weather, if you cancel your insurance, you'd have to fight the impulse to take it out for a ride or..... you'd be out there without a policy to protect you against an accident or some other unfortunate event.

You should remember that your bike still faces risks when it's supposedly "safe and sound" in storage. Theft, fire, vandalism and storm damage are all possibilities. If you  cancel your insurance, and something were to happen to your bike, you'd likely be left to pay the damages or the repair costs out of pocket.

Another important consideration: You may not actually realize any savings by cancelling your policy over the winter. Insurance companies vary, but some may take into account the typical riding season in your state when they price a policy (even if it's spread over a 12-month period). That means you may not actually receive a refund for canceling your winter coverage. You should check with your insurance agent to determine if seasonal coverage options are available.


Car-Lotta Cr Sales suggests that you  talk it over with your agent. You may discover that there are some untapped opportunities to help reduce the cost of your motorcycle policy — and that they not only help you out in the winter months, but year-round.

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Do You Honk Your Horn?

Mon, 23 Sep 2019 12:00:00 +0000
We all know that honking a horn incessantly can be irritating for everyone on the road. You SHOUDLN'T  honk because you’re frustrated at another driver. You SHOULD honk only to warn other drivers that they’re coming too close to you or if someone is stopped at a green light.

Different honks might signify different warnings to other drivers. A quick beep means “Heads up. I’m here!” Slightly longer and louder beep says “Hey, the light’s been green for 10 seconds” or “Watch it!”

               Car-Lotta reminds you to HONK as NEEDED!

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Did You Ever Sneeze While Driving?

Mon, 16 Sep 2019 12:00:00 +0000
You might not hear much about the dangers of sneezing while driving, it fits into the category of distracted driving and causes more accidents than you might think.
Accidents happen for various reasons, but even fatal accidents can be  caused by something as simple as a sneeze.
What should you do if you have to sneeze?
 Pull over
Probably the most effective way to avoid a sneeze-induced automobile accident is the simple act of pulling over to sneeze. Most people can feel a sneeze coming on, and that means you should have enough time to pull your vehicle over to a safe shoulder before giving yourself over to the sneeze. Drivers may travel up to 50 feet with their eyes closed while sneezing so, if possible, pull over to sneeze.
Stop the sneeze
It’s not comfortable or technically healthy to stop a sneeze in its tracks, but it is possible. If you have very intense sneezes and think you could endanger yourself and your passengers if you don’t do something, you can try these techniques if you feel a sneeze coming on to stop your sneeze:
  • Pinch your upper lip
  • Put your finger under your nose
  • Squeeze your nose
  • Grab the spot between your eyebrows
  • Distract yourself by thinking about something else
  • Flick your forehead

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How Well Do You Know PA School Bus Laws?

Mon, 09 Sep 2019 12:00:00 +0000
               RED Light Flashing Means NO PASSING! 

Can you believe that it's that time?  The kids are  back to school. 
Where did the summer go??
Every year children are needlessly injured or killed by
 drivers passing stopped school buses.

      Pennsylvania's School Bus Stopping Laws Are :
  When you meet or overtake a stopped school bus with red signal lights flashing and stop arm extended, you MUST STOP.
  When you approach an inter section where a school bus is stopped with red signal lights flashing and stop arm extended,  you MUST STOP.
  You MUST STOP at least ten (10) feet away from the school bus.
  You MUST WAIT until the red lights have stopped flashing and the stop arm has been withdrawn before moving.
  DO NOT MOVE until all the children have reached a place of safety.  

Penalties if convicted of violating
Pennsylvania´s School Bus Stopping Law include:
*$250 fine
*Five points on your driving record
*60-day license suspension

Car-Lotta reminds  you to drive safe! 

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Doing Anything Fun For Labor Day?

Mon, 02 Sep 2019 12:00:00 +0000
Labor Day is celebrated by most Americans as the symbolic end of the summer. In high society, Labor Day is (or was) considered the last day of the year when it is fashionable for women to wear white.

 Labor Day marks the beginning of the NFL and college football seasons. NCAA teams usually play their first games the week before Labor Day, with the NFL traditionally playing their first game the Thursday following Labor Day. Most school districts that started summer vacation in mid June will resume school near this day.

The first Labor Day in the United States was observed on September 5, 1882, in Boston, by the Central Labor Union of New York, the nation's first integrated major trade union. It became a federal holiday in 1894. Singed into law as a National Holiday by Grover Cleveland.

All Car-Lotta Credit locations will be closed Monday September 2nd  in observance of Labor Day.

We will re open Tuesday September 3rd  at 9:00 am.

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How Much Is Your Insurance Deductible?

Mon, 26 Aug 2019 12:00:00 +0000
It’s all about your budget – and your comfort level with risk.
Here are some things to consider about  when choosing your deductible.
  1. Your budget: Ask yourself: What’s the amount of money I would be comfortable paying if I need to repair my vehicle? The lower your deductible, the less you will have to pay out of pocket if you have to file a claim, but your overall car insurance premium will be higher.
    It works the opposite way, as well.  If you have a high deductible, you will have a lower car insurance premium – but you’ll pay more out of pocket if you file a claim. This decision comes down to personal preference and what you can afford within your current budget.
  2. Drive time: Think about the amount of time you spend driving on a daily or weekly basis. If you’re in your car a lot – or driving in more accident-prone areas – you might be exposed to more risk than someone who drives less.
  3. Value of your vehicle: The more expensive the vehicle, the more it costs to insure. In that scenario, a high deductible could help you save on your premium. However, if you have a car loan, some lenders stipulate that your deductible should not exceed a certain amount. Check with your lender to be sure.
Car-Lotta Car Sales Suggests you keep your deductible at NO MORE THAN $500.00 but the decision is ultimately yours.

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Is Your Oil Light On?

Mon, 19 Aug 2019 12:00:00 +0000

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How Often Do You Check Your Tire Pressure?

Mon, 12 Aug 2019 12:00:00 +0000

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Do You Leave Your Pet In Your Auto ?

Mon, 05 Aug 2019 12:00:00 +0000
Did you know the temperature inside your vehicle can rise almost 20º F in just 10 minutes. In 20 minutes, it can rise almost 30º F...and the longer you wait, the higher it goes. At 60 minutes, the temperature in your vehicle can be more than 40 degrees higher than the outside temperature. Even on a 70-degree day, that's 110 degrees inside your vehicle!

Your vehicle can quickly reach a temperature that puts your pet at risk of serious illness and even worse, even on a day that doesn't seem hot to you. And cracking the windows makes no difference.

Car-Lotta Car Sales reminds you....  before you put your pet in the vehicle, ask yourself if you really need to take your pet with you – and if the answer is no, leave your pet safely at home. If you must take your pet with you, make sure he or she is properly restrained so the trip is as safe as possible for both of you.

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Do You Ever Let Someone Drive Your Auto?

Mon, 29 Jul 2019 12:00:00 +0000
If you own a vehicle, chances are you’ve let a friend or family member borrow it at least once. 
There are plenty of reasons to hand over the keys. Maybe you needed a relative to pick up your kids from school or you’re helping someone get to work after their car broke down. 
Did you know that in the event of an accident… it’s your auto insurance policy that  would have to pay? 
The number one misconception about loaning out your vehicle is that if you let your neighbor borrow your car, an accident should go on their insurance because he or she  was the one driving but in private passenger auto insurance, the coverage typically follows the vehicle, not the driver. 
Let’s break it down. 


Insured drivers include: 
  • Resident relatives: Most personal auto policies provide coverage to the named insured, their spouse or domestic partner and any other resident relatives. So if someone is a member of your family and lives in your home, they’re automatically an insured under your policy unless excluded. 
  • Domestic partners: If someone lives with you but isn’t a relative, they are not named insureds under your policy. However, if you’re living with a domestic partner, they can be added to your policy as a named insured but only if your relationship is the long-term, committed type – you share domestic responsibilities and have joint financial obligations. All you have to do is call your agent and let them know. They’ll send out a short driver questionnaire and check your partner’s driving record to determine eligibility. 
    Someone with permissive use: If you loaned out your vehicle to a friend or neighbor, your policy generally will cover them – as long as you gave your permission. If they are a regular and repeated user of the car, they should also have coverage. The only exception is if a driver has been specifically excluded on your policy. 
Finally: If someone else is regularly driving your car, it’s important to let your agent know. 
Chances are, anyone you let borrow your car will fall into one of these three categories.  Car-Lotta reminds you that  just because someone is covered doesn’t mean loaning your car is risk-free. 

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