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Drivers With Tunnel Vision
You never know when you'll need roadside assistance,
or will be in the market for a new car.
See how roadside assistance cards
compare, click
here.
Buyer Beware: When buying or selling a
new or used car,
click here.
But
First ...
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New, Lower Insurance Rates Just Released
Massive rate reductions, effective June 1st,
have consumers comparison shopping.
Has your rate gone down?
Even if it has, other company rates may now be even lower.
Drivers previously paying over $1,500 have seen their rate drop
to $1,000.
Go to
www.InsuranceHotline.com
and see if your rate dropped, and by how much. If your renewal
is not for a while, tell a friend. If they save money, have them
buy you lunch.
Roadside Assistance
49% of us do
NOT have 24 hour roadside assistance.
I was one of
them, until my car broke down in the middle lane of the QEW last
week, in rush hour. Did you see me? For the remaining 49% still without a card,
I've made a special arrangement for you to get
roadside
assistance for less $5 a month.
A good
roadside assistance card should cover you for whatever car
you're driving, throughout Canada and the US. It should also
cover you for one of these services, up to 4 times a year:
Towing
Gas
Delivery
Battery
Boosts
Tire
Changes, or Inflations
Lockouts
The DAA 24 Hour Roadside Assistance Card
is
one of the best kept secrets. Established in 1946, DAA services
large corporate employee programs and car dealerships, with
14,000 towing operators throughout Canada and the US.
These
corporate clients are tough customers and demand excellence. DAA
is now available to you through www.InsuranceHotline.com.
I compared the DAA roadside service to CAA. Here's what I found:
DAA's basic
service has a 15 km towing limit and costs $56 annually, with no
sign up fee.
CAA's
basic service has a 10 km towing limit and costs $64.20
annually, with a $12 sign up fee, unless you register online.
DAA's Silver Program, which I
recommend, covers you for hotel and meal expenses, up to
$1,000, if your have a mechanical breakdown, are in an accident,
or caught somewhere because of bad weather conditions. The
annual cost is $108.
CAA's Plus
Program
does not cover this and costs $99.51 with a $12
sign up fee, unless you register online.
Both
the DAA Silver and the CAA Plus cards carry a towing limit well
in excess
of 100 kms, and can be used up to 4 times a year.
To access
DAA's special service you'll need to quote this
Purchase Code:
200601
For more information you can call DAA at
1 877 322 1033, or
click here.
Buying or Selling A Car
There are
all kinds of ways to buy or sell a car.
Check out www.Driving.ca.
I was introduced to this site through my friends at Global TV.
Look at some of this free stuff:
Instant search for a new or
used vehicle, click here.
Build the perfect car for your
budget, click here.
Virtual lot tours and dealer
specials, click here.
Here are
10 warning
signs,
which set off alarm bells, alerting you to a probable bad car
dealership:
Having a good car buying experience means choosing the right
dealership. But how do you know, at a glance, if a dealership is
going to treat you well? Here's a checklist of warning signs:
1. Salesmen are hanging around
in
front of the dealership salivating.
Dealerships have different ways of deciding which salesman helps
which customer. The salesmen should wait inside until a customer
arrives and has a moment to browse the inventory. Then, the
salesman slowly approaches and politely offers his assistance.
In the bad dealerships the salesmen stand on the curb like
vultures looking for their next road kill.
2. Your
salesman suddenly disappears and another salesman takes over.
This means that you are dealing with a "turnover house."
Turnover is a style of selling where they keep throwing a
salesman at you until you are worn down and sign the contract,
"just to get it over with." The turnover system favors the
dealership, not you. Avoid it.
3. You
call the Internet department thinking you're getting the inside
track, only to arrive at the dealership and find out that they
have "set you up with" a regular salesman.
You may have just lost most of
the advantages that come with using the Internet department. If
you have already been quoted a price through the Internet, this
price should still apply. If the salesman denies knowledge of
the deal or tries to switch you to another car, it might be time
to try another car lot.
4. Your
salesman demands, "Follow me!" or "Wait here!"
They are trying to see if they can control you. When they say,
"I have to talk to my boss," and disappear for a half-hour, they
are trying to get you to invest a lot of time in the transaction
so you won't go elsewhere. These are old school games. If you
want to beat them at their own game, be as unpredictable as
possible. Leave the sales office when they go to talk to their
boss; don't follow meekly behind them as they lead. It's your
car purchase and money, so you should be in control.
5. When you tell them how much
of a monthly payment you want, and the salesman says, "up to…?"
The "up to?" question
is a subtle way to bump up the price without you knowing it.
Example: If you say, "I want my monthly payment to be $350" the
salesman will ask, "Up to?" If you aren't paying attention, you
will probably say, "Oh, up to about $400." You just bumped
yourself $50 a month. Listen for the "…up to?" question and
avoid negotiating against yourself.
6. They
try to "switch" you from the car you want to another car.
Salesmen are instructed to "sell from stock" which means they
are expected to sell whatever they have on the car lot. This
means they might try to convince you that the economy model you
wanted in blue isn't going to make you as popular as the luxury
model in champagne gold with all the options. A good
salesman listens to your needs and does his best to fulfill
them.
7. You're talking with your
laid-back salesman when a big scary guy suddenly comes in and
sits down across from you.
This is the "closer",
and he is there to sweeten the deal for the car lot. Stand firm
on your offer if it is fair. Any attempts to bully or pressure
you to improve your offer should be met with a hasty departure.
You can always approach the dealership again via the Internet
department.
8. They
say the advertised car is no longer available.
"Ad cars" are a way to bring people into the dealership so they
can be switched to whatever models are on the lot. This is the
classic "bait and switch." You can insist to see the car that is
advertised and, by law, you can buy the car at that price. But
they will probably tell you, "It's already sold" or "There was a
misprint in the newspaper" or "It's out on a test-drive."
9. Your
trade-in disappears and they say they have lost the keys.
The idea is that then you have to buy a car from them. Just tell
them you brought an extra set of keys and you'll be on your way
home. They'll probably "find" the keys very quickly. Then, leave
for good.
10. You
feel uncomfortable or intimidated.
If you go to a nice department store or a fine restaurant, do
they make you feel bad while you spend your money? No. So don't
stand for it at a car dealership, either. Besides, if you are
intimidated now, what will it be like when you begin
negotiating? Test-drive your salesperson and if you don't like
what you find, then take your business elsewhere.