Credit is a key factor when an auto shopper is trying to figure out how much they will pay for a car.  However, according to experts, people should look at various dealers to compare special financing deals.  This is as important as shopping around for a car type.

It is important to request a copy of your credit report and score through a credit agency.  This will give you a better idea of what you will be dealing with when you talk about financing.

There are web-based tools that you can look to for help.  For example, AutoTrader.com is a website for classifieds that actually has a credit center for people looking to buy a car with bad credit.  And while other websites of a similar nature require the consumer to disclose personal and confidential information, the credit center only asks general questions to give the shopper privacy.

After you fill out the questionnaire, you will get a credit level that is estimated excellent, good or fair.  Next, you can do a search among car dealers in your area that can help you with your specific financing needs.

The key is to be prepared when you walk into the dealership.  Websites are a great way to arm you with knowledge.  You can learn all about car prices, credit scores, and prices on an auto warranty.  You want to do your homework so that you can get the best deal you can on the car itself, financing and new car warranties.

The legendary and powerful V-8 engine is finding its place in history, because very few new cars are using it, according to U.S. car industry reports.  Consumers want to protect themselves with fuel-efficient vehicles that have an auto warranty, and aren’t purchasing vehicles with V-8 engines.

The majority of carmakers are deciding not to put V-8’s under the hoods of family vehicles, USA Today stated in a NY report.  The V-6’s are also losing popularity and people are instead deciding to purchase vehicles with the V-4.  In fact, observers claim that the V-8 in particular isn’t politically correct anymore.

Carmakers who are choosing to introduce new V-8s are tending to confine them to high-performance sports cars, trucks meant for towing, and several premium cars.

New vehicles that are planning to be equipped with a V-8 engine include the Cadillac CTS-V, the Hyundai Genesis, and the Dodge Challenger.  Carmakers are making it a point to stress the fact that the newer V-8s are much more fuel-efficient than in the past.

However, GM is discarding the eight-cylinder engine from next year’s 2010 Cadillac SRX crossover and Ford won’t be offering its Lincoln MKS sedan with the V-8.

Consumers are opting for cars with smaller engines that have new car warranties in order to protect their wallets.  V-8s are finding their place in history.

In future car accidents a circuit could be as crucial to survival as a seat belt.  Congress made seat belts mandatory in the 1960’s, which was revolutionary in car safety.  Since then, seat belts have greatly reduced deaths.  Now, there is an additional safety revolution in the midst.  The National Highway Traffic Safety Administration has employed a new standard.  This makes electronic stability control equipment a mandatory component in all cars.  The adoption of ESC will save approximately 10,000 lives every year.

Most luxury vehicles already come with ESC.  Other models offer it as an option.  This is just one of the new safety advancements designed with the purpose of preventing auto accidents, not just protecting passengers.  The majority of these new features have a microchip base.  Many are still being perfected. So beware, you never know when new technology will fail.  However, new car warranties will save you from unnecessary expenses.

Many motorists are finding it easiest to buy a package of safety options, rather than individual gadgets.  Lexus, for example, places an emphasis on how its safety features work as a system.  It has a package with lane-departure warning, smart cruise control, and ESC.

Integrating such systems, and the yielding of throttle, brake, and steering raise the question: Do drivers need or want this much help?  Who is actually in charge of the wheel?  No matter the answer, an auto warranty is essential in protecting your vehicle with all of those fancy gadgets.

You can get SUVs in a large variety of sizes and prices.  They give you more versatility than any other kind of vehicle.  They allow different options for carrying cargo, will hold up to eight people, and allow people to be higher up off of the road.  Also, they can handle off-road terrain.  SUVs come in car based and truck based options.  Which one is for you?

Car based SUVs are becoming more and more popular.  They are on unibody platforms that are car-like.  Also, they have a completely independent suspension, and feature all-wheel drive.  In addition, they often have better fuel-efficiency and handle and ride comfortably.  Finally, they rate highest in CR testing.

SUVs that are truck-based have a body on frame platform.  They usually have a large towing capacity and can tackle difficult terrain.  However, handling these vehicles can be more difficult and cumbersome.  Also, they can sometimes have a jolting ride.

SUVs are a terrific option if you need a lot of cargo space, a large capacity for passengers, and off road options.  However, a roadside assistance program is always a good idea when driving on difficult terrain.  In addition, used car warranties will give you peace of mind.

Why would someone want to buy a pickup?  They offer the most flexibility in carrying cargo.  In addition, pickups have large payload facilities and the ability to tow.  Trucks with four door cabs allow seating for five, which makes them a good family vehicle.  In addition to an auto warranty, what other considerations do you need?  Here’s a list.

Consider whether you need compact or full-sized.  They offer different towing capacities and engines in addition to being different sizes.  Compact pickups are more fuel-efficient, easier to park, and cost less.  Full-sized pickups offer more room inside and out, have stronger engines, and have greater towing capabilities.

Bed lengths vary.  Beds range from 8 feet to 4 feet.  The longer the bed, the more difficult it is to maneuver.  Some compact trucks have a bed extender that flips out, which allows for carrying cargo that is longer.

Engines and transmissions can accommodate different needs.  For compact trucks, the base engine is a four-cylinder, which offers fuel-efficiency.  Five or six cylinder engines are optional, giving more power.  A V6 is the base engine for a full-sized truck.  For heavy towing and hauling consider a V8, V10, and diesel.

Pickups come in many sizes, with many options. Determine your use for a truck and pick the best option for you.  Doing your homework on such things as truck options, new car warranties and insurance will save you money and time down the road.

The National Association of Insurance Commissioners recently performed a study to determine what the best and worst states are in the country for auto insurance.  According to the study, you are paying the highest insurance premiums if you live in the Northeast.

New Jersey proved to be the most expensive state.  On average, premiums in New Jersey are over $1,300 yearly.  The capital of our nation, Washington D.C. was the second highest, with average yearly premiums of $1,185.  New York was third highest with $1,110 being the average premium.

Revealed in the study was that urban driving, high salaries, and a lot of traffic are responsible for elevated costs in those states.  In addition, liability insurance premium costs are higher in the Northeast.

Midwestern and Northern states proved to have the lowest insurance premium costs.  The overall lowest was Idaho with costs at $530 per year.  The next lowest was Maine at $560 a year, and North Dakota was $570 per year.

According to this study, your location is a key factor in determining your car insurance costs.  Today, consumers are paying more than they ever have for their vehicles.  These costs include insurance, new car warranties, and maintenance costs.

Hybrid cars are becoming more and more popular. Global warming and the air quality make it a good time to take the plunge.  But, which hybrid should you purchase?  Here are some factors to consider.

First of all, determine the size of vehicle that you need.  If you need a lot of cargo room and really want an SUV, there are many hybrids to choose from.  However, you have to realize that even the SUVs that are the most fuel-efficient hybrids aren’t going to be as fuel-efficient as standard gas powered sedans, because of their size, as well as the size of their engines.

Also, you need to consider style.  Some motorists claim that the Toyota Prius is the most ugly thing they have ever seen, while others love it.  And people who are environmentally minded like the style of the Prius because it calls attention to itself being a ‘green’ car.  However, if you like a more conventional car style, you might be happy with the Honda Civic, Toyota Camry, or Ford Escape.

It is time to stop relying on fossil fuels, and hybrid cars are a good way to do that. The type of hybrid you decide on is up to you, so make sure to do your homework and determine which hybrid will suit you the best.  In addition, make sure you protect yourself with used car warranties and a good road service program that will protect you in case of breakdowns.  After all, you never know when you will find yourself stranded on the side of the road.

Brake pad vibrations that result in a high-pitched noise are the cause of brake squeal.  When pads don’t have proper insulation from the caliper, vibration occurs.  The factory will equip brake pads with insulator shims, clips, and even a silicone backing that allows the pad to stay glued to the caliper.  This helps to prevent vibrations.

Often times when brake pads become too hard brake squeal occurs.  The hard and smooth surfaces then rub together to produce a noise equivalent to nails on the blackboard.  When this occurs, it is necessary to resurface the rotors and replace brake pads.  This will eliminate the squealing.

You should also have your rotors resurfaced when you have your brakes done.  Not doing this will result in squealing.  When replacing brake pads, the rotor refinishing should be done with a non-directional finish.  This will make sure that brake pads are broken in properly.

Act immediately if brake squeal occurs.  Take your car to a highly trained technician to make sure that your brakes are treated appropriately.  And, make sure you have used car warranties to cover repairs performed.  After all, you don’t want to end up paying unnecessary costs.

There is nothing worse than getting your car repaired and hearing, “It isn’t covered under your auto warranty.”  Often, motorists are confused because they assume that certain repairs are covered.  Drivers need a little education to understand more about their new car warranties.

People need to understand that an auto warranty isn’t an entitlement, but an agreement you make with the car manufacturer.  Your responsibility is to fulfill specific maintenance requirements that the manufacturer sets.  After doing your part, the manufacturer must perform repairs resulting from a defect or a failed part.

So, what parts are covered?  The auto manufacturer must cover the parts that it makes.  For example, transmissions, engines, steering, suspension, computers, instruments, chassis wiring, and other parts that they manufacture are covered.  Maintenance items and wearable items aren’t covered under new car warranties.  For example, filters, hoses, belts, brakes and tires aren’t covered.

What about the parts not made by the manufacturer of the car?  Items such as stereo systems and conversion components have a warranty through their manufacturers.  These can be found in paper work you received with the purchase of the car.

The best thing that you can do to avoid misunderstandings about new car warranties is to educate yourself.  Make sure that you do your homework and read all of the fine print in your auto warranty.

Used car buyers need to be aware of a common scam; odometer fraud.  This is the act of rolling back the odometer on a car.  This deceives buyers into thinking that a vehicle has fewer miles than it really does.  It is estimated that this crime leads to sales of around 450,000 vehicles every year. 

Also alarming is that digital odometers are easier to meddle with than traditional odometers.  There are ways that consumers can protect themselves against odometer fraud.

First of all, request to see the car’s title and make a comparison between its mileage and the car’s odometer.  Also, compare the mileage on the car’s maintenance records with the odometer on the vehicle.  In addition, sometimes there are stickers with maintenance records on doorframes and windows.

Next, you should ask for a Carfax History Report on the vehicle to see odometer discrepancies.  If the person selling the car doesn’t have one, you can order one online with the vehicles VIN number.

Finally, check to see that the odometer gauge numbers are all aligned.  If they aren’t aligned, or if they move when you tap on the dash, you may want to think twice about buying.

These tips can save you from buying a car that has been tampered with.  However, you never know the true history of a used vehicle.  This is why used car warranties are a good idea to protect you against unforeseen repairs.