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4 Common Auto Loan Misunderstandings

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Toy Car On Cash Money

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For most people, the easiest way to buy a car is through a local major brand dealer, which usually able to provide access to factory-trained personnel and on-site financing. However, even though your local brand dealer has the best of intentions, it’s still a good idea to know all the options available to you when it comes time to buy.

To help you out, we surveyed the car finance officers at Mr. Ed, a car financing company in Phoenix, AZ, and they explained that loan misunderstandings do occasionally occur. This is likely because not everyone lives and breathes accounting concepts. Here are a few of the common loan issues people run into.

1. Your Credit Score

Your credit score, from 300 to 850, is your creditworthiness based on feedback from financial institutions that you interact with. The main three companies that calculate your credit score are: Equifax, Experian and TransUnion. The important thing to know is that your credit score can vary among these three agencies. Before you sit down with a loan officer at the car dealership, check out your credit on one of the free credit websites (ex: creditkarma.com). You may find out that it is lower than you think because of errors, errors that you may be able to correct before visiting a car dealer.

2. Down Payment, Monthly Payment

Before you sit down with the loan officer at the car dealership, know what you are comfortable paying per month for your new car and how much you can put down for down payment. If you want a low monthly payment, be prepared to put a sizable down payment down.

3. Cash Rebate Or Low Interest Rate

Car manufacturers often offer cash rebates on their new cars, but if you don’t need the cash, they usually offer a special low interest on the loan. In deciding which is the better option, do your homework — the method netting you the best savings will vary from offer to offer.

4. Are You Upside Down?

“Upside down” is the term used to describe when you owe more on your car than it’s worth. When a dealer tells a consumer that they are upside down on their trade-in, they may offer to build that “negative equity” into the car financing of your new car. You should understand that when you do this, you will be essentially paying on two cars with your new loan: interest and principle on that negative equity and interest in addition to the principle for your new car. This is a less than optimum situation but, while you could potentially get out of an upside down loan, there might be no alternative sometimes. Always make sure the car you are buying holds its resale value well.

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10 Exciting Electric Cars Coming In 2020

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Rivian R1T Electric Truck

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2020 is a good year for anyone shopping for an electric vehicle.

If you’ve been waiting to get your hands on the perfect electric car, 2020 could be the year you found one. It’s noteworthy for the large number of high-profile EVs that will be released.

With prices becoming competitive and range anxiety almost a thing of the past, the age of the electric vehicle is truly upon us. Whether you’re looking for a practical car to use for daily commutes or something that simply wows people with impeccable style, there’s bound to be something for you. Here are ten exciting electric vehicles we are looking forward to the most in 2020.

Rivian R1T Truck R1S SUV

1. Rivian R1T Truck / R1S SUV

There have been much excitement surrounding Rivian, and for good reason. The electric car upstart is seen by many as a serious threat to Tesla, and you have the Rivian R1T and R1S SUV to thank for that. The all-electric R1T pickup truck is arguably the coolest and most well-rounded pickup in recent memory, offering supercar-levels of performance (it does zero to 60 mph in just 3 seconds!), world-class trucking capabilities, and serious off-road chops. A massive 80kWh battery gives it an effective driving range of 400 miles (644 km) and can be charged to 100% capacity in an hour when depleted.

Mechanically identical to the R1T, the R1S is for those who would prefer more seats and a hatch rather than a truck bed. As a seven-passenger electric SUV, it’s better suited for carrying people around than the R1T.

Porsche Mission E-Cross Turismo Concept

2. Porsche Taycan / Taycan Cross Turismo

As the company’s first fully-electric vehicle, Porsche’s long-awaited Taycan four-door performance sedan and its high-riding Taycan Cross Turismo estate (wagon) variant will offer buyers a super powerful lithium-ion battery and up to 350 kW charging capacity. Both models can accelerate from 0 to 62 mph in just 3.5 seconds and have a driving range of more than 300 miles (500 km). Their battery can be charged to provide 62 miles of range in just four minutes.

New Tesla Model Y Small SUV

3. Tesla Model Y

The Tesla Model Y is essentially the SUV version of the highly-popular Tesla Model 3, featuring the same interior design and similar performance. It offers more interior room than the Model 3, however, with an optional package allowing it to seat up to seven people. The most affordable Model Y will have a driving range of up to 280 miles (451 km/h), while the long-range version might deliver as much as 300 miles (483 km).

Volkswagen ID Hatchback Concept

4. Volkswagen ID Neo

As one of the more affordable family cars coming to the market, the Volkswagen ID Neo is for the masses. Essentially an all-electric interpretation of the highly-popular VW Golf, the practical five-door compact hatchback has capable motors, a 125kw charging capacity, and is expected to come with three different battery size options giving it a driving range from 180 miles on the low end to 342 miles.

Volkswagen ID Crozz II_Concept, Driving

5. Volkswagen I.D. Crozz

The VW I.D. Crozz is a fully-electric compact crossover with rear-biased all-wheel drive system. It offers 311 miles (500 km) of driving range, according to European NEDC tests, and performance should be brisk thanks to two electric motors generating a combined 302 hp. With a 150 kW DC fast charger, its battery can be recharged to 80 percent capacity in just 30 minutes.

According to Volkswagen, the production I.D. Crozz will have as much interior room as the VW Tiguan SUV.

Peugeot e-208 electric car

6. Peugeot e-208

French automaker PSA took its first step towards the full electrification of its entire lineup by 2023 with the Peugeot e-208, an all-electric version of Peugeot’s hot selling 208 city car. The impeccably-styled electric hatchback uses a 50 kWh battery pack to power a 100 kW electric motor for an estimated 211-mile (34 km) range on the WLTP cycle, while fast charging can give it an 80% charge in around 30 minutes.

Primed for city driving, the electric Peugeot e-208 should be within reach for most people, even those who might need a little help from car-buying service like Buy Here Pay Here Car Lots.

Audi E-Tron Sportback

7. Audi e-tron Sportback

The Audi e-tron Sportback is one of the more exciting, head-turning electric vehicles coming in 2020. As a coupe-like SUV, it is a more stylish interpretation of the new Audi e-tron SUV for those who place design above practicality. And like the regular e-tron SUV, it will likely utilize one electric motor at the front and one at the rear to produce a maximum of 402 horsepower (300 kilowatts) and 490 lb⋅ft (664 Nm) of torque, allowing it to hit 60 miles per hour (96 km/h) in 5.7 seconds before reaching an electronically-limited top speed of 124 mph (200 km/h). A 95-kilowatt-hour battery pack provides a driving range of over 200= miles EPA range and can be recharged to 80% capacity in just 30 minutes.

White Polestar 2 EV

8. Polestar 2

As the second car from Polestar (formerly the performance arm of Volvo), the Polestar 2 is a five-door fastback EV featuring many hallmarks of Scandinavian design and offering 310 miles (500 km) of range from a 87kWh battery. Its 408 horsepower and all-wheel drive system provide more than enough propulsion to get you moving. Learn more about the Polestar 2.

2020 Mercedes-Benz EQC

9. Mercedes-Benz EQC

The Mercedes-Benz EQC is Mercedes-Benz’s first-ever all-electric SUV. A little bigger than the Mercedes-Benz GLC and expected to go on sale in early 2020, the electrified German SUV has an 80 kWh lithium-ion battery and two electric motors — one at each axle to provide all-wheel drive — that make 402 hp and 564 lb-ft of torque, allowing it to accelerate from 0 to 62 mph in just 5.1 seconds. The EQC is estimated to be priced around $90,000.

BMW ix3 electric SUV Concept

10. BMW iX3

With the German government massively supporting the development of electric vehicles, it’s no surprise to see BMW bringing several to the market. Essentially an all-electric version of the popular X3 SUV, the BMW iX3 makes around 270bhp and can travel up to 249 miles on a full charge, and charging its 70kWh battery to full capacity when depleted takes just 30 minutes!

BMW plans to introduce a whole fleet of new electric vehicles over the next few years, and the iX3 will probably be its most popular model.

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Auto Tech

8 Of The Best ‘Old’ And New Car Features Of 2019

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Future car technologies 2020

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The future in auto tech is already here, and it’s very exciting.

As cars become safer, more fuel-efficient, and more comfortable, it’s harder and harder for the average motorist to imagine how they can be even better. However, for car manufacturers, there seems to be endless possibilities everywhere.

Be it improvements in autonomous tech, electric drivetrains and heads up displays, or upping a car’s luxury, the automotive industry is bringing us many exciting things. Here are eight of the best ‘old’ and new car features of 2019.

1. Blind Spot Sensors

Many of the features in cars focus on driving safety. Blind spot sensors detect when cars are out of the typical range of mirrors and alert you of their presence. This doesn’t remove the importance of taking a quick glance over your shoulder before changing lanes, but it will definitely help reduce the number of accidents caused by blind spots.

2. Phone Starter

Imagine a blistering cold morning, One where the ground is covered by snow and you’re frantically scraping your windshield clean of ice while you bitterly await the car’s heater to put out its end of the bargain. Well, situations like this are a problem of the past as of 2019.

New vehicles can connect to your wireless device and power on remotely, allowing to take on the cold winter months with confidence knowing you will have a heated car waiting for you. In addition to the climate control system, your car’s door locks, alarm, interior and exterior lighting, and liftgate or trunk can also be operated remotely.

3. Heads Up Display

Touch screen menus now have a second cousin. Heads up displays (HUD, for short) are the hip new feature in today’s cars. They are usually in the form of a small display on the front windshield above the steering wheel and below your eyes’ normal field of vision that shows speed, gas levels, and even directions to minimize any reason for you to take your hands of the steering wheel and/or look away from the road.

4. Automatic Parallel Parking

For those of you who have visited small beach towns in Florida or driven through the crowded, narrow streets of San Francisco, you know that parallel parking is a must-have skill. But parallel parking is difficult, and car manufacturers seem to agree, explaining why many 2019 vehicles now come equipped with automatic parking assist systems.

If you’ve been thinking of moving to that bustling Florida town, you can take comfort in knowing there will be a car to handle the tight street parking for you anytime and anywhere, be that car be from a Mercedes Benz dealer near Coral Springs or a Honda dealer in Seattle.

5. 360 Cameras

You know those rear-end cameras that help with reversing? Those are so 2018. Now you can expect full 360-degree cameras to cover all four sides of your car. This comes in handy in many situations and can prevent unforeseen scratches or bumper damage.

6. Individual Climate Zones

Thanks to advancements in auto tech, the driver and the passengers can now create their own microclimates inside a of car. By giving each person the power to set his or her own temperature, there will be less bickering over the AC dial.

Many new cars offer dual-zone climate controls for the driver and front passenger, and some can even be equipped with “tri-zone” or “quad-zone” climate control so that rear passengers aren’t left in the cold, so to speak.

7. Pre-Safe Pulse

For those who want to take safety to the next level, the Pre-safe Pulse is a new crash safety measure for side impacts. When the car senses an imminent crash about to take place, the driver and passenger seats automatically move closer to the center of the vehicle. For side accidents, even a minimal five-centimeter difference can reduce the impact felt to passengers by one-third.

8. Mirrors with Auto-dim

If you drive a lot at night, you’ve probably noticed that headlights have gotten much more powerful over the years. In some ways, this is tremendously beneficial. Being able to see further and with more clarity is important. However, being on the receiving end of these lights is not only annoying, but it can be dangerous.

Drivers are less inclined to check their mirrors if they get blinded every time they try. For this reason, newer vehicles have equipped mirrors with auto-dimming. These reduce the glare caused by headlights behind you and keep your focus on the road.

Cars Are Getting Smarter

The results of these new features are that cars are getting smarter and drivers now have the tools they need to make better decisions. This combination of factors will surely decrease the number of car accidents and make driving a safer, more efficient and reliable method of transportation.

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12 Interesting Facts About The Rubicon Trail

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Jeep Wrangler Off-Roading Rubicon Trail

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The legendary Rubicon Trail is a haven for off-road enthusiasts the world over.

If you are an off-road enthusiast then you almost certainly have heard of the Rubicon Trail. The 22 mile rugged off-road trail runs through California’s historic gold rush territory, and driving on it is on the bucket list of most off-road junkies.

But how much do you really know about the Rubicon Trail? If you answered “not a lot,” here are 12 interesting facts to make you more knowledgeable.

1. Where Is The Rubicon Trail located?

The Rubicon Trail is located in the Sierra Nevada range of the western United States, some 60 miles east of Sacramento.

2. History Of The Trail

Tradition has it that the original Rubicon trail was actually a real trail used by Native Americans to travel between Lake Tahoe and the Sacramento Valley. It was discovered by American settlers back in the 1840s, who would later convert the narrow walking paths into roads.

3. The Name

When we asked our technical advisor at Fullerton Automotive (Somerville, NJ) where the Rubicon name came from, they told us that it traces its origins to Europe. Apparently, it takes its name from the Rubicon river in northern Italy, around which Julius Caesar famously declared “the die is cast,” referring to a point of no return as he marched his army into Italy.

4. The First Vehicle

The first automobile drove across the trail in 1908, “manned” by a woman who took it from Lake Tahoe drove to Rubicon Springs. Not long after, the Rubicon Springs road was hailed as the best route for getting from Lake Tahoe and Georgetown to the west.

5. Disuse and Rebirth

While plans were made to improve the roadway, it fell into disuse when the Rubicon Hotel closed in the late 1920s. It wasn’t until after WWII that the trail began to appeal to the off-roading world.

6. The First Jeep Jamboree

In 1953, 4×4 pioneer Mark A. Smith and his local Georgetown Rotary Club established a “Jeepers Jamboree” to help boost the local economy. The event would later grow to become an annual off-road tradition and is often recognized as the “Granddaddy” of four-wheeling events. Today, the off-road adventure weekends are highly sponsored and include mechanics and vendors who offer their services during the events.

Speaking of Jeep, here are 16 Interesting Jeep Facts every Jeep lover should know.

7. Rubicon Trail Requirements

The Rubicon Trail will push your vehicle to the limits. This trail is rated Extreme so you are going to have some challenges along the way. Bottom lime, there will be damage to the vehicle and you should be prepared to get stuck during the trip.

8. Minimum Preparations

At a minimum, there should be at least one frame-mounted towing point on both the front and rear bumpers. In addition, locking or limited slip differentials are a good thing to have as well as rocker guards and skid plates for the gas tank, transfer case, and transmission pan. Added protection for the lower control arm is also suggested.

Depending on the length of the wheelbase, the tires should be at least 33-inches with three-ply sidewalls. To take full advantage of those tires, you should have a properly sized lift kit installed.

9. More Safety Gear And Tools

Install proper battery hold downs, if none exist, and carry a fire extinguisher and a first aid kit. A good set of tools and a good pair of gloves will be of use. It is worth noting that many four-wheel clubs and tours may require additional features or equipment.

10. Non Street Legal Vehicles

While any street legal vehicle from any state is allowed on the Rubicon, a non-street legal rig will require a special green sticker from the State of California. Contact the California DMV for a list of what they require.

11. Rubicon Trail Camping

Yes, you can camp out along the Rubicon Trail. Dispersed camping, camping outside of designated sites, is allowed throughout most of the area. Popular spots include Buck Island Lake, Ellis Creek, Wentworth Springs, and the observation point at Cadillac.

12. Be Responsible, Follow The Rules

You are not allowed to drive more than 15 feet off of the trail, and you will need a permit to start fires. Allso remember to exercise practice camping etiquette, such as removing human waste and not leaving behind garbage of any sort.

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