Car-Lotta Credit and Car Sales Blog

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Are You Ready For Fall Driving In NEPA?

Mon, 20 Sep 2021 12:00:00 +0000
Wet leaves, fog, sun glare and frost are a few driving hazards you may encounter this fall Car-Lotta reminds you that weather can change quickly from warm to cold, causing roads to ice over overnight. Drive slowly and brake gently when driving across overpasses and bridges.These surfaces tend to frost over before others. Be aware of spots where black ice forms on the roadway and drive carefully through these areas. The first day of Fallis Wednesday, September 22, 2021.

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Do You Have These Discounts On Your Auto Insurance ?

Mon, 13 Sep 2021 12:00:00 +0000
We are always looking for ways to save. Car-Lotta has put together a list of the potential discounts you may or may not be aware of. Safe car discount. If your car has anti-lock brakes, day-time running lights, or air bags – you qualify for a discount. If you qualify for 2 or 3 of these discounts, the savings are extremely high. Driving record discounts. There are insurers that will give a discount for no traffic tickets within 3 years. Having no car accidents in the last 3 years shows to an insurer that you're skilled at avoiding accidents and your care while driving. Did you know that where you park your car matters? If you live in a qualified postal code or neighborhood without a lot of thefts, you may save even more! Reports indicate that 45% of major insurers unfairly hike up loyal customers’ rates just to maximize profits – insurers call it “price optimization.” This means your insurer will keep barely increasing your rate so it's statistically unlikely that you'll leave – this way your insurer makes a higher profit. Fight back !! To get the biggest savings remember to compare rates from a several licnesed insurers.

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How Are You Spending This Labor Day?

Mon, 06 Sep 2021 12:00:00 +0000
Most Americans celebrate Labor day as the symbolic end of the summer. Labor Day is (or was) considered the last day of the year when it is fashionable to wear white. Most area 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 6 th in observance of the holiday. We will re open on Tuesday, September 7th at 9:00 am

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Are You Ready For Back To School ??

Mon, 30 Aug 2021 12:00:00 +0000
Did you know that each year more than 56 million children travel from their homes to attend school by walking, biking, and taking the bus. Every driver must take precautions to account for increased traffic and dangers as children return to school. Roads will become congested during peak times, and school zones have become one of the leading causes of injuries and deaths for school-aged children. It is essential for drivers to practice safe driving habits when traveling near school zones to ensure You need to be on high alert during the time periods between 7-8 A.M. and 3-4 P.M. since these are typically the times when children are travel to and from school. Accident prevention requires all drivers to pay special attention when driving in or near school zones. Here are five of the most important points to remember when driving near schools or playgrounds this year! Be On The Lookout For School Zones Expect More Traffic In School Zones Reduce Driving Speeds In School Zones Watch Out For Pedestrian Crossings Stop For School Buses Car-Lotta reminds you to pay attention as you drive near school zones and be sure to follow the general rule of thumb is to yield and give pedestrians and buses the right of way at all times. If you stay alert and focused, you can keep yourself and everyone around you safe this school year!

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Do You Travel With A Baby?

Mon, 23 Aug 2021 12:00:00 +0000
Traveling with a baby can be daunting, if not frightening. We've curated a collection of the best advice received in the hopes that it may help others embarking on a trip with someone under 1 year old. Remember to check with your pediatrician ahead of traveling for the most appropriate recommendations for your child. Below is a list we hope will help you on your f journey with baby—hopefully making it a little less daunting and, if you’re lucky, blowout-free. TRAVEL BASICS WITH BABY: Take as little gear as possible. Rent gear in your destination whenever possible. Sometimes shipping it is even an option. The lighter you travel, the easier it will be. Allow yourself at least twice as much time as you think you’ll need. Avoid jam-packing itineraries and know when to abandon or shift a plan in real-time. (Flexibility will make everyone happier). Only bring enough diapers and wipes for getting from Point A to Point B.Purchase diapers and wipes once in your destination Pack at least two changes of clothing for baby AND yourself in a carry on. Bring a portable changing pad. Don’t assume changing tables will be available everywhere. Pack extra zip-lock bags or a trash bag for soiled clothing. Bring hand sanitizer and wipes to sanitize any public seating areas for baby. Don’t forget the infant Tylenol and gripe water. You never know when you might need either in a pinch. Pack pre-portioned bottles of formula or breast milk in a small cooler bag. Bring whatever will keep your baby engaged and amused during awake time while traveling—even if it means relying on your phone ! When gauging how long it might take to get from Point A to Point B, be conservative -- as stops may take longer than you anticipate. Maximize your drive time by scheduling the departure so that it coincides with baby’s bedtime or right after a big feeding. Plan your stops wisely. Enjoy the slower pace a baby brings.

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How Do You Pack For A Roadtrip?

Mon, 16 Aug 2021 12:00:00 +0000
No matter where your road trip takes you, it's essential to develop a plan to make packing easier. Consider using a packing checklist, and try to avoid packing at the last minute to avoid any frustration so that your trip goes off without a hitch. Where do you start when it comes to packing you car? There are multiple things you should consider when packing your vehicle. First is safety. When you’re packing you don’t want to pack up too high in the back. You don’t want to lose visibility through your windows. You should secure loose objects in the back end of the vehicle. If you have to hit the brakes hard, loose items may cause a problem. Trunk organizers can help secure loose items while also providing help with keeping organized. Pack an overnight bag that's accessible if you have multiple stops on your trip. This prevents you from unpacking the entire vehicle for a quick hotel stay or night camping. Be prepared for any situation that arise. Pack an emergency road kit, first aid kit, and extra device charger. Digital navigation is great but if you’re in a remote area and lose service a paper map can help get you to your destination. Ready.... Set.... Travel Safe!

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Is It A Good Time To SELL Your AUto?

Mon, 09 Aug 2021 12:00:00 +0000
Used vehicle prices are unbelievably high right now.This means there may be a real opportunity for car owners who want to capitalize on the used vehicle market by putting their cars up for sale. If you have a used vehicle you don’t need, now’s a great time to test the market. Are you wondering what your used vehicle is worth right now? Plug your car’s information into Edmunds.com’s Online Appraisal Tool. In a matter of seconds you will receive an offer for you vehicle. Did you know that Car-Lotta buys vehicles??

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What Do You Leave In Your Automobile?

Mon, 02 Aug 2021 12:00:00 +0000
Some people keep the inside of their vehicle clean, tidy, and organize. Others seem to have a little bit of everything within reach of their driver’s seat. No matter which category you fall into, we thought you should know there are a few things you should NEVER leave in your vehicle. Children. When temperatures outside climb, so does the temperature inside of a vehicle. It’s been found that when it’s 80 degrees outside, the internal temperature of the car can reach 150 degrees or more. This can be dangerous, even deadly, to babies and children. Pets. Leaving them in the car while you make a quick stop, even after cracking the windows, can be deadly for the animal. The inside of cars can reach over 100 degrees very quickly, especially when parked in the sun. Without a way to cool themselves down or escape the heat, you could be risking their life. Valuables and personal belongings including your phone, wallet, purse, important documents, jewelry, expensive clothes, and other valuables. The most obvious reason is that visible valuables can be tempting for a thief. Bottled water. When bottles water is left for long periods of time, a typical plastic bottle may contaminate the water inside with BPA, which is the substance used to manufacture water bottles. It’s best to bring a new bottle with you on each trip. Medication. Most medications need to be kept at room temperature. Leaving them in a hot/cold vehicle may alter the medication and make it ineffective. Hot and cold temperatures can cause moisture, which may also negatively affect the drugs which most likely won’t make them unsafe, but they may no longer work as expected. Aerosol cans. When heated to a high enough temperature, aerosol cans are likely to expand and explode, destroying your vehicle’s interior and potentially, the exterior. Electronics. Most electronics that run on batteries can overheat in a hot vehicle, which can affect or damage the overall battery life of the device, and potentially even damage the device itself. Visible electronics are attractive to thieves. Sunscreen. It may protect you from the sun but prolonged exposure to heat can break down the ingredients in sunscreen, making it ineffective. Depending on the type of container the sunscreen is in, it could also explode.

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Do You Have A Teen Getting Ready To Drive?

Mon, 26 Jul 2021 12:00:00 +0000
We believe the single most important step you can take to protect the life of your teen is to be actively involved in the learning-to-drive experience. Sharing your knowledge and experience about safe driving is important. Now is the time to begin a potentially life-saving dialogue with your teen. Here are some important actions you can take: Evaluate your teen’s readiness. Talk with them about personal responsibility, the ability to follow rules and any other concerns before beginning the learning-to-drive process. Before you begin practice driving with your teen, include strict ground rules related to distraction. A lot has probably changed since you earned your driver’s license. Graduated driver licensing, driver education, license restrictions and supervised practice driving are all part of today’s licensing process. It is important to learn the rules. It is never too early to start talking. You have acquired “road wisdom” over the years that you can share, because it could save your teen from having to learn things the hard way. Focus on safety. Traffic crashes are a real danger. Talk to your teen about: Always buckle up and be a safe passenger with teen and adult drivers. Prohibit your teen from riding with teen drivers or transporting other teens during the learning-to-drive process. Other teen passengers are one of the most dangerous sources of distraction for teen drivers, whether due to loud music, rowdy behavior or peer pressure. Be engaged. When you’re behind the wheel, talk about what you see (road signs, pedestrians, other vehicles, etc.) that could result in the need to change speed, direction or both. Stay involved. Practice supervised driving until your teen logs at least 100 hours. Your teenager might obtain an intermediate driver license before completing 100 hours of practice driving but this does not mean your teen driver no longer needs to practice. Solo driving is actually the riskiest phase for your teen, so stay engaged. The more time your teenager spends behind the wheel, the more experiences you’ll both have to talk about, such as dealing with tailgaters, distractions, speeding, poor weather conditions and more. Emphasize the dangers of these common hazards. Be a good role model. Your teen has been watching your driving habits for years. When your teen begins the learning-to-drive process, their focus will likely increase. Make changes in your driving to prevent any poor driving habits from being passed on. Show you take driving seriously and always set a good example. Car-Lotta reminds you to... Always wear your seat belt. Obey traffic laws. Do not use a cell phone while driving. Watch your speed. Don’t tailgate. Use your turn signals. Don’t drive when angry or tired. It’s no secret that parents play a critical role in the learning-to-drive process, from checking into state licensing processes to supervising practicing driving. With all the details involved in getting your teen safely behind the wheel, NOW is a good idea to have a game plan.

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Are You Affaid Of Being Overcharged When You Get Your Car Serviced?

Mon, 19 Jul 2021 12:00:00 +0000
Face it ....most of us have a fear of being overcharged when we get our automobile repaired. We’re not sure how much parts and labor should cost, and the repair bill seems written in foreign language. Our confusion has led to the common misconception that mechanics are always trying to rip us off. The majority of mechanics are honest, hardworking businessmen who aren’t out to swindle anyone, they’re just trying to make a living like the rest of us. Their business relies on their reputation. It’s in their best interest to keep everything above board when it comes to prices. Where do you get your auto serviced??

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Do You Know How To Get Rid Of A Scratch On You Atomobile?

Mon, 12 Jul 2021 12:00:00 +0000
It happens.... You’re closing in on your parked car and there it is again: that eyesore of a paint scratch above the driver’s side door handle. If only you knew how to get rid of it… or at least where to start. Rule No. 1, If you can feel the scratch with your fingernail, it may be too deep for an easy fix. If you can see but not feel the scratch, and want to give fixing it a go. If you can see it, but you can’t feel it, that’s actually a good sign. If you can’t feel it, you can probably get rid of it. What kind of equipment do you need? Ideally, you want to get a mild scratch removal product; you don’t need a real aggressive. You do want to be careful of the applicator you use. People tend to grab an old cotton shop rag or an old cotton wash cloth which may haze the paint. The smarter move is to go with a nice clean microfiber towel or, a soft foam wax applicator pad. First, you want to remove any loose dirt or dust from the surface to avoid grinding it into the paint. Spray the area down (with water) and then wipe it dry with a clean microfiber towel. That’s usually more than sufficient to prep the area, if we’re dealing with an isolated scratch. Next, squeeze a dollop the size of a 50-cent piecef scratch remover – onto the middle of your applicator pad. If the scratch is, say, about a quarter- or half-inch long, don’t work just that tiny little area. Work an area around it, maybe 6 to 12 square inches. Work the product for 20 seconds or so. Then it will become a very thin translucent film on the surface. Wipe off the residue. Don’t let it dry; these products serve no purpose if you let them dry. Plus, they can be a little difficult to remove if they dry on the paint.

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Do You Use Social Media Or Your Cell Phone While Driving?

Mon, 05 Jul 2021 12:00:00 +0000
Many drivers admit they use their cell phones while driving including: to access GPS (36%), to take or make calls (36% and 28%, respectively), to check or reply to texts (26% and 17%, respectively) . A much smaller percentage (5%) admit to accessing social media while driving. Of those, their top 5 social media activities are: Scrolling through photos, posts or other content: 89% Taking pictures: 37% Posting photos or videos: 26% Watching or shooting videos: 22% Commenting on other people’s photos or videos: 19% Car-Lotta reminds you to drive safe- Remember...Using a cell phone while driving increases the driver's risk of causing a crash. Drivers are distracted, decreasing the driver's awareness on the road, leading to more car crashes. ... Drivers who text when behind the wheel, are twenty-three times more likely to have an automobile crash.

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Are You Aware Of The Motorcycles On The Move?

Mon, 28 Jun 2021 12:00:00 +0000
As the number of motorcycles on the road increases, so does the opportunity for motorcycle crashes. There are more motorcycles on the road now than a decade ago. Are you aware of the unique hazards that motorcycles present, including the risk of accidents caused by a vehicle turning left in front of a motorcycle? Drivers should consider the following when sharing the road with motorcycles: Mtorcycles can be difficult to see and can disappear in your blind spot. Also, it can be easy to misjudge a motorcycle’s speed. Look twice to make sure a motorcycle is a safe distance from your vehicle. Follow motorcycles at greater distances, as motorcycles can stop more quickly than automobiles. Car-Lotta reminds you that summertime hazards require drivers to be extra alert and share the road.

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Are You Ready For Summer Driving And Increased Traffic?

Mon, 21 Jun 2021 12:00:00 +0000
Summer Construction Brings Increased Traffic Increased traffic on our roads is an unmistakable hazard of summer driving. It is important for drivers to be patient and alert, and to share the road. To ensure the highest safety in work zones, drivers should: Avoid known work zones or anticipate the delay and allow extra time. Use alternate routes or adjust their work schedule to avoid hazards or delays. Follow signs and remember merge early before entering the work zone. Expect the unexpected: slow down, increase their following distance and avoid distractions. CarLotta wants you to be aware of these summer hazards and know how to share the road safely.

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What Is Your Favorite Road Trip Snack??

Mon, 14 Jun 2021 12:00:00 +0000
The open road is calling your name! Aside from comfy clothes, great company and an epic playlist, road trips pair best with some tasty snacks. Need some snacking inspiration? We’ve got you covered! Here are a few snack ideas, many of which can fit in your cupholder. No-Bake Peanut Butter Energy Bars Skip the dry, crumbly, store-bought granola bars and make this recipe for No-Bake Peanut Butter Energy Bars. All you need to make these is peanut butter, honey, some quick-cooking oats, chopped walnuts, raisins and a touch of salt… and a refrigerator for them to chill in. In no time, you’ll have a delicious snack to nosh on while you roll down the highway! Roasted Honey-Dijon Pecans Prcans are both filling and nutritious and make great road trip snacks. This recipe for gives these pecans a sweet and savory jolt. To make this recipe, you’ll need raw pecans, some avocado oil, honey, Dijon mustard and sea salt. After roasting these treats, let them cool and put them in your favorite reusable container so you can reach for them when you’re hungry, but the next roadside restaurant is a bit too far away. There’s no better road trip vehicle than a car from Car-Lotta. We hope you have a summer to remember!

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Memorial Day

Mon, 31 May 2021 13:00:00 +0000
This U.S. federal holiday is observed on the last Monday of May to honor the men and women who have died while serving in the military. Memorial Day commemorates the men and women who died while in the military service of their country, particularly those who died in battle or as a result of wounds sustained in battle. In other words, the purpose of Memorial Day is to memorialize the veterans who made the ultimate sacrifice for their country. We spend time remembering those who lost their lives and could not come home, reflecting on their service and why we have the luxury and freedom that we enjoy today. We might consider how we can support and safeguard their grieving families and loved ones who are left behind. Car-Lotta Car Sales will be closed on Monday, May 31st, in observance of the holiday. We will re open on Tuesday, June 1st at 9:00 am.

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What Is That Smell?

Mon, 24 May 2021 12:00:00 +0000
When you smell something stinky in your automobile, the first step is to find the source of the odor. Check in pockets, under seats, on and under floor mats, in the glove box, and in the side doors for anything that could be causing the smell like old food, spills, spoiled beverages, etc. Don’t forget under any seat covers. If your vehicle smells like something is burning, it may be that it’s overheated or you may be in need of an oil change. Park your car in the shade, open the windows, turn the floor air vents on, use the fresh air setting, and keep your eye on the car temperature gauge and also check your oil level. If you or a passanger is a smoker or purchased a used vehicle from someone who smokes, that could be the source of a smell. Cigarette smoke can get everywhere, including the vents and can be difficult to remove completely. If a child or pet got sick or had an accident, it could still cause odors even after you’ve cleaned it up. A deeper clean may be necessary to fully get rid of the smell. Mildew can be another source of unpleasant smells, caused by a buildup of condensation, a leak (like through a cracked window), or even spilled liquids. Another source of mildew smell could be your air conditioning system. Check if your floor mats are damp near the air conditioner, which can be a sign of an air conditioning unit condensation.

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Do You Text While You Drive?

Mon, 17 May 2021 12:00:00 +0000
Picking up your phone to read or answer a text while you’re behind the wheel puts everyone’s safety in jeopardy. It’s estimated that around 660,000 drivers are on their phones at any point during the day. In the United States, texting and driving causes a quarter of all car accidents. Teen drivers are Four times more likely than adults to have accidents or near-accidents when they’re on their phones. Did you know that you are SIX times more likely to cause an accident when you’re texting behind the wheel than a drunk driver? Here are some tipe that can help you ‒ or a driver you care about ‒ overcome the temptation while doing your part to keep the roadways safer. TIPS TO STOP TEXTING AND DRIVING: Before you start the ignition, put your phone on silent mode and make sure it’s not on vibrate or turn your phone off altogether. Both options will eliminate the temptation to check your screen every time it rings, pings or buzzes. On most smartphones, you have the option to turn on some form of a do not disturb mode while you’re driving. There are even some apps you can download to block texts while you’re behind the wheel, including ones specifically geared toward teen drivers. Make it out of sight, out of mind. Rather than having your phone in your cup holder, your center console, or your hand, put it in a spot where you can’t see or reach it. If you have a passenger or two with you, ask them to keep an eye on your phone and handle any calls or messages you receive. If you’re a passenger rather than a driver, volunteer for the job ‒ and call out the driver if they’re being unsafe. If it’s absolutely vital to respond to a message, find a place to safely pull over, then park and answer. Model safe behavior. Talk to your kids about the dangers of texting and driving, explain the ways they can avoid it. If you have a teen driver, make your expectations clear about how they’re allowed to use their phone in the vehicle and be very specific about what will happen if they break those rules. Car-Lotta wants every driver expects to reach their destination safely.

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Is There A Benefit To Put Money Down When You Buy A Vehicle?

Mon, 10 May 2021 12:00:00 +0000
There are benefits to putting a large down payment when financing it include: Lowers the overall amount financed saving on interest and finance charges. Decreases the loan to value which greatly increases your chances of being approved. Shows your commitment to the loan which suggests you’re less likely to default on the car loan. Lowers your overall monthly payment. You can finance for a shorter term and pay it off quicker. Less likely to be in a negative equity or upside down situation.

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Do You Have To Put Money Down To Buy A Car?

Mon, 03 May 2021 12:00:00 +0000
Do you have to put money down on a car? The quick answer is “No, you don’t have to put cash down when buying a new or used car!” If you have an excellent credit score, long credit history, and are able to budget for the full amount of the monthly car payments, you will not be required to put any money down when buying a vehicle. If you have some bumps in your credit history or bad credit, the lender may or may not require a minimum of 10% down or more of the purchase price of the vehicle at the time of buying the car. Keep in mind, not putting money down when purchasing a vehicle will actually make you pay more for the car in the long run. When financing a vehicle through a bank or lender, any money borrowed will be subject to interest charges. If you don’t at least put enough cash down to cover your tax, title, license and fees. You will be paying unnecessary interest on it as well. The golden rule is, The less money you borrow, the less interest you will pay, the more money you will save. Car-Lotta Remids You – Always try to pay an extra $10, $25, $50, or more on the principal amount when making your monthly car payment. This extra money will add up over time and help decrease interest charges over the length of your car loan.

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Are You Ready To Hit The Road?

Mon, 26 Apr 2021 12:00:00 +0000
COVID-19 has changed the way we approach everything, car repair isn't any different. As the summer heats up so is the desire to travel. Especially since most of us have been under some sort of lockdown or quarantine for the last several months. With a case of cabin fever, we are ready to hit the road – It's estimated that Americans will take nearly 700 car trips this summer – likely in vehicles that have been sitting idle for a while. It’s always important to have your car fully inspected before embarking on a long road trip but even more so now if you’ve been driving less. Like erything else since COVID-19 has arrived, a trip to your local repair facility may be different than before.

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Do You Hand Wash Your Vehicle?

Mon, 19 Apr 2021 12:00:00 +0000
Nothing makes your vehicle look better than a good wash. It’s important for good maintenance and to help you enjoy your ride. The best car wash can happen in your driveway with a hose, some soap, cleaning mitts and a few buckets of water. Pick a good location. You don’t want to clean the car in direct sunlight or direct heat as the soap will dry onto the car before you can rinse it off. Car-Lotta advised you to aim to wash the car in the early morning or late evening and don’t wash it near a dusty road or under a tree where buds, bugs and leaves can fall and stick to the car. Make sure your hose has a nozzle with enough pressure to spray the car and one that allows you to stop the water flow when you want. This way you’re not running water throughout the entire process.

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Is Your Vehicle Read For Spring?

Mon, 12 Apr 2021 12:00:00 +0000
Winter's tale is almost ended (we hope) — and so it's time to take stock of the damage done to your auto after months of snow, ice, sleet, road salt, cold, and all the many travesties of the season departed. Modern vehicles are engineered to take some serious abuse, so unless yours remained buried under a snowbank, you shouldn't have to do too much. But you will have to do a few things. Here are a few that are worth it: WASH your car! CHANGE your wiper blades! CHECK your wiper fluid level. CHECK your oil. CLEAN your floor mats. CHECK your tire pressure — (don't forget the spare) and check the condition of your tires and brakes. SWAP out emergency gear. REPAIR scratches. CONSULT your maintenance schedule.

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Thinking Of Trading Your Vehicle?

Mon, 05 Apr 2021 12:00:00 +0000
Before you head to a car dealership you should research the value of your current vehicle using a tool like Kelley Blue Book. Knowing your trade-in value will let you know if the dealer’s offer is fair. Make sure you shop around. You should get at least three estimates from competing dealers. This can help ensure you get top dollar for your old car. You can trade in a vehicle if you owe money, but it’s important to know that debt still comes out of your pocket. This means you’ll ultimately get less cash from your trade. Owe more than your car’s worth? Expect that negative equity to get rolled into your next loan. A deep clean and a record of repairs can make your car more marketable, and possibly fetch you a higher trade-in price. So keep that extra paperwork for some added bargaining power. You’ll need to negotiate. Just because a dealer makes a trade-in offer doesn’t mean you have to accept it. Following the above tips, like getting multiple offers and knowing your car’s trade-in value, can be powerful negotiating tools. Car-Lotta reminds you that following these tips can help increase the value of your trade-in, getting you into a new vehicle for less cash. Once you get the keys to your dream vehicle, you’ll need to make sure it’s protected.

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Do You Feel At Home In Your Automobile??

Mon, 29 Mar 2021 12:00:00 +0000
From your driver seat settings to the position of the steering wheel and your favorite station on the radio, your car is your safe haven on the road. Being stranded is nowhere you’d want to be. A well-stocked emergency roadside kit could help you get back on the road quickly and safely. Car-Lotta reminds you of the basics you may want to keep with you in you four wheel friend. Consider including: Cell phone and car charger, with a list of emergency numbers Fire extinguisher Two roadside flares Quart of oil Small first aid kit Flashlight Multipurpose tool or pocket knife Tire pressure gauge Tire inflator Duct tape Rags Your car’s manual Pen and paper

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