Basically a dealer will charge you $300-$900 for window etching and they will tell you that you have to pay the money to get the loan because the banks insists on it. Some dealers might tell you that the etching is free but will add on the etch money to your monthly payments to make up for it. The best way to avoid this scam is to force the dealer to put it in writing if they say that the etching is free or simply etch the car yourself. Remember a lender doesn't require that you purchase any extras on a car. All the lender cares about is that you can make your payments on time regularly. Don't buy into it.
2. The Financing Scam
I have mentioned this before already, but here it is in more detail. Basically you trade in your old car and the finance manager tells you that your interest rate is good and then gives you the car. After a week or two passes you get the call from him that you didn't qualify for the interest rates that they gave you upon making the deal.
Every new purchase has a clause in the contract that usually states that the deal is subject to loan approval. This gives the finance manager a loophole in getting more money out of you. All that this means in the contract is that the deal is not finished yet even you already have possession of the car and have signed the contract.
The dealer can then charge you $1000 more in finance fees and up your monthly payments by $50. This scam is generally pulled on people with bad credit because it is more plausible. If you are wondering why they would sell you the car at 6% APR if they knew you had bad credit (remember they ran the credit search already) the answer is simple; to sell the car.
You can avoid this scam by not financing the car with the dealer if you know that you have bad credit. You are better off going to a credit union and financing the car yourself. When you buy a new car the deal should be made on the price of the car, not on the monthly payments.
3. The Credit Score Scam
This scam is ridiculous at best. This is when the finance manager tells you that your credit score is lower than it really is so that they can get you for higher interest rates. This scam is pulled on everyone; good or bad credit. This scam is easy to avoid. Just get your own copy of your credit report from Equifax.com, and bring it with you. It is really difficult to lie to you about your credit score if you have your own copy of it. If your paper and theirs doesn't say the same thing, go somewhere else because that dealership is lying to you. Don't forget to let them know it too because it'll be nice to watch them squirm.
Get yourself black on white if the dealer offers anything free for the car. This is to avoid unnecessary extra payment on the car. Dealer will do anything to sell the car, even if they have to give you scams. Avoid Get the financing from the dealer if you have bad credit, find a better solution from the credit union or the bank. Get the copy of the credit report before getting into the deal, this is the better way to avoid the credit score scam from the dealer.
Whew, that was a close call. The bird is gone and left no souvenirs to harm the paint. That was close, a little too close. Good thing you are going out to buy a cover for your car tomorrow. Tonight you cover it with blankets (new ones, of course) and hope nothing terrible happens.
There are a variety of car covers. One of the first things you need to consider is if you will be need protection from outside and the elements, or is your car going to be comfortable stored in the garage.
The reason this is important is because car covers are built for outside is going to be made to withstand UV rays, hail, rain, wind and almost anything else Mother Nature can toss at it, along with flying sticks or kicked up stones. Where as car covers made for inside is going to do little else than protect the car from dust or small debris getting on it.
Not all car covers are created equally. There are a few other things to consider when picking one out other than just inside or outside.
If you are going to store the car outdoors, check to see what kind of UV protection it offers. If too many UV rays get though the cover, the paint will loose shine and the upholstery can fade. It will damage the over all look of the car.
Also, you are going to want to make sure the cover is made out of very durable material. If it rips or tears easily under the weight of snow or ice, it will most likely not do much good.
Rain is another element you will want to be sure to protect against. While complexly repelling rain is best, as long as it resists the rain may work well also.
Depending on where you live, extreme temperatures will also take their toll on your car over time. Try to get car covers that will protect your car from extreme heat and cold temperatures.
Also, does it protect from dust? This aspect of protection will vary depending on which cover you choose. Make sure you check this out before making your purchase.
The thickness of the cover is something to consider as well. When a piece of pea gravel is flying at your car, you want to make sure the cover is thick enough to absorb the impact.
One very important thing to look for is a good warranty. Car covers can be very expensive and you want to make sure that it does what it claims. A warranty will help you rest assured that if damage happens to your car while it is covered, you are covered.
Summary:
After you have purchased the car of your dreams, make sure you have enough protection for it. Car covers will go along way in protecting your new car from the elements and from debris. This is an overview of how to pick out the right cover to fit your needs.
Both Mitch Johnson & Brooke Hayles are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Mitch Johnson has sinced written about articles on various topics from bowling, Hunting and Nokia Phones. Mitch Johnson is a regular writer for ,. Mitch Johnson's top article generates over 301000 views. to your Favourites.
Brooke Hayles has sinced written about articles on various topics from Credit Cards, E Books and Online Dating. Brooke HaylesCheck Out More Helpful Information About Car Covers For FREE! Visit