Your $30,000 car has come equipped with all of the latest bells and whistles: traction control; Sirius satellite radio; side curtain air bags; Onstar; and power everything. Well, there is one thing that is curiously left out of many new car purchases and that is floor mats. You would think that matching floor mats would be standard equipment on all vehicles, instead it is an aftermarket purchase for most motorists. Selecting the right type of floor mat is essential to preserving your car’s interior. The wrong type of floor mats can look terrible and cost you plenty of money in the end. Please read on to find out why this is so.
Floor mats are the Rodney Dangerfield of automotive accessories. They just don’t get any respect. If they did, your car would come outfitted with a set of high quality, matching mats. Almost a universal oversight, owners routinely pick up their showroom new cars with just a solitary paper mat in place for the driver. Sure, you could run into the dealer’s parts department and pay $200 for a nice set, but you already paid through the nose for your car. Besides, you want a better selection than what your dealer sells, right? I think so!
Leasing a car is not only an attractive financial offer to the majority of auto-consumers, but also a lifestyle and favorite choice.
Leasing a car has four main benefits.
Most car leases are designed to completed according to the end-date specified in the lease agreement. Attempting to end a lease early can often be troublesome and expensive.
Many leasing consumers mistakenly believe that, if they want to terminate early, they only have to return their vehicle to the lease finance company and walk away. Unfortunately, this would be a violation of their lease contract and result in collection proceedings against them for balances and fees owed. The consumer’s credit rating would also be damaged by what is considered a repossession.
Lease-end residual values are very important in the calculation of monthly lease payments since leases are based on the difference between residual value and negotiated selling price. The higher the residual value, the lower the lease cost.
Residual values are usually expressed as a percentage of MSRP (Manufacturer’s Suggested Retail Price) — not negotiated price as many people often believe — based on length of lease and average mileage. For example, if a vehicle’s MSRP is $30,000 and its 36-month residual is 50%, assuming 15,000 miles per year, the dollar value of that residual is $15,000.
Commercial vehicle finance loans are something that many businesses look into for a variety of reasons. Office based jobs will sometimes give company vehicles to particular employees as an added benefit. This is especially true if there is an outside sales staff or a need for the employees to make visits to clients outside of their base of operations. Instead of utilizing the employee’s personal vehicle and compensating for mileage, the company will supply a company vehicle and apply for commercial vehicle finance loans to stock the employees with company cars. This is sometimes better for the image of the company, can help keep costs down and assist with branding. Commercial vehicle finance loans are also used when purchasing vehicles for delivery of freight. Any business that deals with the shipping and delivery of wares should look into commercial vehicle finance loans.
A company with an upscale image may purchase vehicles for employees that portray a particular image. A commercial vehicle finance loan can help accommodate this need by allowing the company to purchase several high end vehicles for company use. Because maintenance and mileage on an employee’s individual car can be expensive, the company can regulate those costs by supplying a company vehicle. The commercial vehicle finance loan amount will be known and it will be easier to budget for that expense. Branding can also be used when purchasing cars through a commercial vehicle finance loan. Often vehicles are branded with the logo and a possible slogan so those who are traveling and see the vehicle will get brand recognition. The use of a commercial vehicle finance loan to purchase these types of vehicles will often help increase sales revenue by increased exposure to the brand name.
The lure of low monthly payments leads many automotive consumers to lease when it’s not right for them. By the time they discover the error of their ways, it’s too late.
It’s not possible to cancel a lease deal after the contract has been signed and the car driven off the lot. It’s also not possible to swap for another vehicle, as it might be if renting. Furthermore, most finance companies and banks prohibit ending a lease in the first 12 months or so.
One of the first questions that comes to mind when thinking of leasing a car is: “What will my monthly lease payment amount be?” or “How much can I save by leasing when compared to buying?”
Getting the answers can be as simple as using an online lease calculator such as the Lease Calculator from LeaseGuide.com, which calculates payments, finance charges, taxes, and total lease costs — by walking you through a number of easy steps in which you answer questions and input information about your lease.
It’s amazing. I operate a web site that provides objective consumer information about car leasing and I’m frequently amazed at the misconceptions or, should I say, uninformed conclusions that many people have about leasing. Let’s look at some of them now.
1) Leasing is a scam by dealers - Not true. Car dealers didn’t invent leasing. Leasing is a valid method of financing capital equipment that has been used for over a hundred years in business. However, it has only been within the last 25 years that leasing has become popular with automotive consumers. Since it is not well understood by most consumers, dealers oftentimes encourage leasing when it isn’t the right option in a particular situation. The key lesson here is that, if you don’t understand leasing, stay away from it.
Here are some facts and a little knowledge of where automotive financial trends are taken us.
The average Automobile price tag or MSRP (Manufactures Suggested Retail Price) today is much higher than ever before. In 1989 any car over $12,500 was considered by the IRS to be a luxury automobile. A financed car at the selling price of $10,000 and an average interest rate of 10% , in that day and time, for a term of 48 mos. was $250 per month. With the ever growing price tag of new and pre-owned vehicles today. The average person financing a car at 7% interest can not afford to finance these high ticket items. And with inflation of the all mighty dollar surpassing the depreciation of these assets, they must and need to lease. The average price MSRP today is over $20,000++ with a 48mo term retail finance payment growing over $500 per month. It is stated throughout Industry and Economic articles, that nearly 50% of all cars today with a price tag of over $25,000 are leased and within the near future with the rising cost of technology to build bigger, better, faster and while trying to meet government and the economical needs of motorist, the price tags for automobiles will soar beyond our imagination.
Smart car leasing consumers know that it costs less to lease vehicle makes and models that depreciate the least. That is, vehicles that hold high resale values. Since lease payments are based on the difference between initial selling price and lease-end residual (resale) value, those vehicles with high residuals will cost less to lease than comparably priced vehicles that have lower residual values (depreciate faster).
For example, a Honda Accord will have significantly lower lease payments than a Chevrolet Impala of the same price. Honda vehicles depreciate at a much slower rate than Chevrolet vehicles.
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