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BUYING USED CARS TIPS

BUYING USED CARS TIPS. FINDING A CAR MUST MEET YOUR NEEDS- TYPE OF CAR-HOW WILL YOU BE USING IT PRICE RANGE- HOW MUCH YOU HAVE TO SPEND OTHER COSTS-INSURANCE-REGISTRATION-SALE TAX. COMPARING CARS. MUST FIND AT LEAST TWO CARS SIMILAR IN MAKE MODEL AND CLOSE IN AGE TO DO A GOOD COMPARISON

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BUYING USED CARS TIPS

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  1. BUYING USED CARSTIPS • FINDING A CAR • MUST MEET YOUR NEEDS- TYPE OF CAR-HOW WILL YOU BE USING IT • PRICE RANGE- HOW MUCH YOU HAVE TO SPEND • OTHER COSTS-INSURANCE-REGISTRATION-SALE TAX

  2. COMPARING CARS • MUST FIND AT LEAST TWO CARS • SIMILAR IN MAKE MODEL AND CLOSE IN AGE TO DO A GOOD COMPARISON • OFFICIAL PUBLICATIONS FOR COMPARING PRICES ARE • KELLY’S BLUE BOOK, EDMUND’S

  3. WHAT TO COMPARE • MILEAGE 10K TO 12K AVERAGE • TYPE OF MILEAGE • GARAGE KEPT VS. NO GARAGE • ACCESSORIES CD PLAYER, POWER • LS, GS, GT ALL HAVE DIFFERENT PACKAGES FOR ACCESSORIES

  4. PHONE CALL QUESTIONS • ACCIDENTS • SERVICE RECORD • MECHANICAL WORK DONE • ORIGINAL OWNER • WHY SELLING CAR • TYPE OF DRIVING DONE • TEENAGER DRIVE THE CAR • LET MECHANIC LOOK AT CAR

  5. CHECKING CAR OUT • EXTERIOR OF CAR FROM ALL ANGLES • INSIDE AND OUT SIDE FOR UNUSUAL WEAR • LOOK FOR CHANGES IN COLOR OF PAINT • LOOK INSIDE TRUNK AND UNDER WHEEL WELLS • CHECK INSIDE OF DOORS • LOOK AT ENGINE

  6. START CAR • LOOK AT THE ENGINE RUN • CHECK EXHAUST • DRIVE THE CAR • ACCELERATE AT DIFFERENT RATES • BRAKE AT DIFFERENT RATES • HAVE MECHANIC OR SOMEONE WITH AUTO BACKGROUND LOOK AT HE CAR

  7. MAKE AN OFFER • START LOW THIS MAY DEPEND ON SUPPLY AND DEMAND • GIVE A DEPOSIT (CHECK) AFTER YOU AGREE ON A PRICE • YOU WILL THEN HAVE TO GET A BANK CHECK FOR THE REMAINDER OF THE PAYMENT • HAVE OWNER BRING CAR TO YOU

  8. PAPER WORK • CALL INSURANCE COMPANY • MAKE, MODEL,YEAR OF CAR • VIN # serial # found on frame and engine • Need to know make, model year of car • GET A COPY OF INSURANCE

  9. COMPLETING THE DEAL • SELLER GIVES YOU THE TITLE, SIGNED, WITH ODOMETER READING,DATE • Title - the official state ownership document • This document stays with the car until it is junked. • YOU GIVE THE SELLER THE CHECK ONLY AFTER YOU GET THE TITLE

  10. REGISTER THE CAR • BRING TO MVC • INSURANCE CARD • TITLE 10 days to make transfer • CHECK FOR SALES TAX • YOU HAVE TEN DAYS TO DO THIS • INSPECTION 14 DAYS OR TIME LEFT ON STICKER

  11. REGISTRATION • NJ RESIDENT WHO OWNS A CAR 17YRS OLD • SAME IDEA AS WITH LICENSE • MUST BE WITH CAR AT ALL TIMES • ALSO INSURANCE I.D. • FINE FOR NOT HAVING THESE WITH YOU $100 MAX

  12. REGISTRATION STEPS • APPLICATION • PROOF OF OWNERSHIP (TITLE) • SALES TAX • INSURANCE POLICY NO. • REGISTRATION IS GOOD FOR ONE YEAR

  13. REGISTRATION RENEWAL • EVERY YEAR • SAME MONTH • STATE SENDS FORM, YOU MUST SEND IT BACK WITH CHECK b

  14. LICENSE PLATES • TWO PLATES (REAR MUST HAVE LIGHT) VISIBLE AT 50’ All lettering onplate must be visible FINE $100 • 12” TO 48” • MUST BE KEPT CLEAN (SNOW) • LOST OR STOLEN • REPORT TO POLICE GET NEW ONES AT MVS (KEEP COPY OF THE REPORT)

  15. OLD PLATES • YOU MAY TRANSFER THEM TO ANOTHER CAR OF SAME TYPE • IF YOU DON’T NEED THEM, TURN THEM IN TO MVS AND GET A RECEIPT • Report lost or stolen plate to police and replace within 24 hrs. @ MVC

  16. INSPECTION • EVERY TWO YEARS • 5 \yrs new car • SAME MONTH AS FIRST TIME • BRING LICENSE,REGISTRATION,INSURANCE CARD • IF YOU FAIL INSPECTION, YOU HAVE UNTIL THE END OF THE FOLLOWING MONTH TO FIX IT • May use a private inspection facility

  17. PENALTIESFORGED OR COUNTERFEIT PLATES FINE UP TO $500 UP TO 60 DAYS JAIL AND/OR LICENSE SUSPENSION

  18. EXPIRED INSPECTION • MAY FINE YOU $100-$200 • AND/OR JAIL 30 DAYS • REGISTRATION WILL BE REVOKED

  19. TURNING RIGHT

  20. RIGHT TURN PROCEDURE • 1- RT. TURN SIGNAL 100 FT. • 2- MOVE INTO RIGHT LANE • 3- SLOW DOWN • 4- TURN STEERING WHEEL TO RIGHT WHEN FRONT BUMPER PASSES THE INTERSECTING CURB • 5- ACCELERATE GRADUALLY ALLOWING WHEEL TO SLIDE BACK THROUGH YOUR HANDS

  21. 1- TURN FROM RIGHT LANE INTO CORRESPONDING RIGHT LANE • 2- THIS ALLOWS A PERSON FROM THE OTHER DIRECTION TO MAKE A LEFT TURN INTO THE OUTSIDE LANE

  22. LEFT TURNS

  23. LEFT TURN 1- LEFT LANE ( LANE NEAREST THE CENTER OF THE ROAD 2- GET AS CLOSE TO THE CENTER LINE AS POSSIBLE 3- TURN INTO LANE NEAREST THE CENTER OF THE ROAD (LEFT LANE Tip- if you have to wait, do it with your wheels straight ahead

  24. LEFT TURN

  25. INSURANCE LIABILITY (SPLIT LIMITS) (Mandatory )Pays for injuries and damage to others PERSONAL INJURY PROTECTION Your own personal protection UNINSURED MOTORIST In case other person doesn’t have enough insurance Comprehensive vandalism

  26. Premium • The amount of $ you pay for your insurance coverage • Factors • Age • Amount of coverage • How much you drive • Accidents and points • Type of car

  27. Policy The agreement between you and your insurance company Explains all the details of how you make an insurance claim for damages

  28. Collision/ Comprehensive • Collision is protection for damages to your car. • Deductible – is the amount you are willing to pay before the insurance company takes over. • Comprehensive - Protects your car against vandalism

  29. Uninsured Motorist/ personal Injury protection/Income protection • Uninsured motorist protection -In case someone hits you and they have no insurance P.I.P. You own coverage for medical expenses. In case the person who injured you doesn’t have enough money to pay you bills. • Income protection – Will pay you for the wages lost due to injury

  30. Factors affecting your premium • Your age • Your driving record (accidents and violations) • How much you drive • Type of car • Amount of deductibles • Amount of coverage

  31. Why is Automobile Insurance so expensive in NJ • Population – large amount of traffic volume in a small area. • Lawsuits – • Medical care is high in this area of the country • High number of accidents • High cost of automobile repairs

  32. Accident Report • Always stop • Warn oncoming traffic • Notify police • Exchange name and insurance information • $500 damage report to MVC 10 days • Or police report • Must notify Insurance company

  33. State Test Library (registration/turning) • A NJ registered vehicles must have LIABILITY insurance • Address change must be reported in 1 week • Hand signals – straight out = left turn • Out and up = right turn, down = stop • Signals should be used when – Turning, stopping, changing lanes • Passing on the Right is allowed when – a motorist is turning left and there is room to pass. • You will get an insurance Surcharge if: you get a D.U.I., • (Liquor or drugs) Refusing the Breath Test

  34. State Test • If you sell your car and don’t need you license plate, retun them to the MVC or send them to Trenton • Before making a turn the driver must; be in the proper lane, signal at least 100 feet before turning • Using your seat belt keeps you from sliding off the seat, from hitting the windshield and being thrown from the car. • You must stop for the following; pedestrians at all times, school busses on public streets with flashing red lights, and emergency vehicles. For emergency vehicles pull over to the extreme right and stop.

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