Consumers have been more concerned than ever about saving money on their vehicles.  They are doing everything from purchasing small, fuel-efficient cars, to purchasing an auto warranty to ensure they don’t pay unnecessary repair expenses.  But are they willing to skip the amenities that come in new cars, such as air conditioning, an automatic transmission, and power locks and windows, to save money?  And are stripped cars even available?

The truth is that it can be hard to find a car stripped with crank windows and a manual transmission.

According to JATO Dynamics, 89% of vehicles sold in America last year came standard with automatic transmissions, which is up from 85% in 2003.  Also, power locks came standard on 87% of cars sold, compared to 80% in 2003.

The vehicles that offer these features as optional tend to be on small cars, yet economy-car buyers usually pick convenience and comfort over cost if given a choice.

For example, the cheapest model by Toyota is the Yaris, which begins at $11,550 for a 2008 base model hatchback with air-conditioning.  However, approximately 80% of Yaris buyers choose to pay an extra $900 for an automatic, and about 60% opt for a power windows and locks package, which costs an extra $1,680.

It appears that features, such as air conditioning, and automatic transmissions are necessities that most people aren’t willing to live without, just like new car warranties.

BMW is following in the footsteps of other carmakers with diesel cars, like Volkswagen and Mercedes, by qualifying its two diesel models for income tax credits by the federal government.

You will receive a $900 credit on your next tax return for the 2009 BMW 335d sedan, and $1,800 on the 2009 X5 xDrive35d SUV.  Both of these cars use BMW’s 3.0-liter, twin turbo inline six cylinder diesel engines and both are eligible for these credits under the Advanced Lean Burn Technology Motor Vehicle tax credit program.  The X5 is rated 19/25 mpg and the diesel sedan gets 23/33 mpg.

This sounds wonderful, however you have to remember that the 335d costs $43,900 including new car warranties and the X5 xDrive35d has a base price of $51,200 with an auto warranty.  It’s doubtful that a savings of $900 will really do much to help stimulate the economy.

It can be overwhelming to purchase a new vehicle, but keeping a vehicle can be worse.  Television ads are enticing and make it difficult for car shoppers to resist a new vehicle.  However, with the economy being difficult, it pays to not give into temptation.

In the U.S. motorists find it hard to drive the same vehicle for more than five years.  However, an auto warranty on your current vehicle, and some common sense tips can help you avoid an unnecessary purchase.

If your current vehicle is Japanese you are in business.  For example, the Honda Civic will run forever.  You may get a little rust on it, but it will never die.  And although cruising in a ’92 Toyota Tercel might not get you a hot date, it offers you great reliability.

Next, it is important to do your research.  This can actually prevent you from purchasing a vehicle.  It is easy to become overwhelmed with all of the options available in your price range.  And if you don’t have an auto warranty on your current car, research used car warranties.

Lastly, focusing on a specific make and model is good, especially if it hasn’t been made for over a decade.  There are slim odds that you will find the vehicle on the market with under 300,000 miles.

So, what happens if you still want that new vehicle after researching for weeks?  What if your old Tercel is steering toward the dealership?  Just keep in mind that a new car’s value will drop as soon as it pulls out of the dealership.  Holding onto your clunker will save you a lot of money in the end.

According to recent tests, pick-up trucks may not be as safe as originally thought.  For example, the Nissan Navara only received one star out of five for adult safety.  The Navara has a risk of injury that could be life threatening.  Also, the vehicle only got three stars for child protection, and two for pedestrian protection.

Also facing criticism is the Isuzu Rodeo, which only got two stars in regards to adult protection.  Also, the Rodeo had an unacceptable risk for life threatening injuries.  The vehicle received one star in regards to protection of pedestrians and two for protection of children.

Isuzu, however, claims that it tested the Rodeo internally and it received three stars.  In addition, the Rodeo has had a good record concerning real accidents.  It actually received testing of over 1 million km before its original launch.

The Mitsubishi L200 is another low scoring pickup in regards to safety.  Although the vehicle received four stars in regards to adult protection, it only got three stars for the protection of children and one star for the protection of pedestrians.

Manufacturers of pickup trucks have been adding options that attract families.  Yet, it is important to keep in mind that pickups may not be the best option for families.  If you have a pickup truck make sure that you purchase an auto warranty for it.  According to tests, it is evident that pickups might not be as sturdy as originally thought.

In today’s world, the divide between new and used cars are less distinct because of certified pre-owned programs that manufacturers support.  Now, consumers can purchase luxury vehicles that appear to be brand new.

Mercedes Benz was the first auto manufacturer to offer a certification program that was comprehensive in 1989.  Lexus then began a certified pre-owned program in 1993, and since then over 30 car manufacturers have introduced similar programs.

Buying a pre-owned vehicle is now a savvy alternative that allows motorists to minimize their risk and maximize their value.  That’s because these programs take the hottest pre-owned vehicles, recondition them, add an auto warranty, and sell them.  No matter what your budget is, you will enjoy spending less money on a depreciating asset.  This allows you to put your cash towards a better use, such as maintenance costs and roadside assistance.

The certified-pre owned car market has revolutionized the car market.  Consumers are realizing that they can get a luxury vehicle that is like new, complete with an auto warranty and peace of mind.  This is a great option for any car shopper.

Several small vehicles have had cult status, the French Deux Chevaux, the Volkswagen Beetle, and the original Mini.

All of these cars were popular in their day.  However, they also had something else; an indefinable quality that gave them a cult following.

Today, there are new vehicles with a retro-style in the American market.  The New Beetle by Volkswagen in 1998, the PT Cruiser by Chrysler back in 2000, and the Mini all qualify.

All of these cars have similar qualities.  They look great, and handle well.  In addition, they have a classlessness that allows people to make a statement without announcing that they have tons of money.  Motorists drive them because they are tons of fun and they have personality.

Small vehicles in the U.S. are making a comeback, and a few of these have cult status.  Consumers like to drive a “cool” car with personality and they take care of it until it dies.  This is why people buy an extended auto warranty so they can keep their cars running without paying unnecessary repair costs.

As the economy declines, more motorists are trying to save money by abandoning their car insurance.

According to the Insurance Research Council, the uninsured rate and the unemployment rate are directly correlated.  When unemployment increases 1%, uninsured drivers increase a half-percent.  Unemployment is up a great deal since last year.

In a study that is coming out next month, the council claims there have been several hundred thousand drivers that have let their insurance lapse, or dropped it in the last year.

What this means is that your odds of getting hit by a driver that is uninsured have gone up drastically, and usually people who are uninsured don’t have very many assets if you plan to sue for damages.

For people who have the funds, coverage for being hit by underinsured or uninsured drivers has become a necessary protection even though it raises your premium 7% to 9%.  And, you don’t want to let your insurance lapse because you will be charged a 25% to 50% surcharge for a new policy.  Also, drivers should protect themselves with a good auto warranty.

According to The American Consumer Satisfaction Index, the results from its Q2 aren’t good for domestic auto manufacturers.  The people at ASCI claim that customer satisfaction is higher than ever for the whole industry, however there aren’t any American automakers that made the top four.  And the bottom three on the list are made in America.

Domestic car companies are having problems because they are lagging further behind their counterparts overseas.  This will be of no help when the Big Three lose more power with pricing.  They will have to continue their dependency on discounting and rebates, in a car market where consumers are deciding to turn to foreign cars.  People feel foreign cars are more reliable, and with the addition of an auto warranty, they enjoy the peace of mind that they get with them.

The ACSI is a representation of a customer’s overall satisfaction, which includes customer service and doesn’t necessarily determine the quality of cars.  In addition, carmakers don’t have any control over a dealership’s customer service.

When gas prices are on the rise, drivers trade in their big gas-guzzlers for fuel-efficient cars.  Yet, while that makes sense, if you switch too soon you might be looking at more overall car costs than you’ll save on gas.  According to Consumer Reports, downsizing is beneficial in the long run if you time it right.

A study by Consumer Reports reveals that if you still owe on your car loan, it might not be beneficial to downsize after just three years.  With a loan, initially your payments are made up of a large percentage of interest.  Trading in too early will leave you with less equity, which will limit a down payment for a new car.

Another hurdle that affects the equity of your car is depreciation.  In the first five years of ownership, depreciation makes up about 48% of total vehicle costs for the owner.  On average, costs for fuel only equal about 21%.  Within the first three years, depreciation is the greatest, and then it begins to level off.

So, trading in a 3-year old car will result in a whole new depreciation ride.  However, if you have owned your vehicle for more than four years trading in makes more sense.  Just make sure you have an auto warranty for peace of mind when keeping your vehicle for several years.

The decision to buy or lease can be a difficult one.  Car shoppers should consider more than just their budget.  Typically, leasing tends to be cheaper, but it also leaves drivers with no equity after the contract is up.  There are some important factors to keep in mind when making this important decision.

First, you should look at the cost.  Consider four factors when you’re thinking of leasing.  These are the leases length, the payments monthly, the mileage restrictions, and the down payment.  If you exceed the restrictions on the mileage you could ring up big fines.  Also, if you hold onto a lease for more than three years you will often have to replace tires and pay for other maintenance.

Next, take a good look at your budget.  Leases are almost always cheaper for short-term because there isn’t a down payment and the monthly costs are low.  However, leases end up being more expensive than buying a vehicle that you are going to keep for a decade.  This is assuming that you purchase an auto warranty with your car so that you don’t end up paying unnecessary expenses.  But if drivers prefer to have a new car every three years, leasing is the way to go.

Also, you need to consider your life plans.  If you are going through life changes, such as moving far away, or starting a family, you are going to benefit from leasing.  This will provide you with the flexibility that you need.

Consider these factors and make a decision to buy or lease based on your needs.  Just remember, if you buy, you want to be covered with an auto warranty to save you money on unnecessary repair costs down the road.