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Minimising The Chance Of Having A Road Accident

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For anyone who drives on a regular basis, knowing how to reduce your risk of having a car accident is vital. After all, you never know when you might be involved in such an incident. But you can take active steps towards ensuring that it doesn’t happen to you. In this post, we are going to take a look at some of the basic everyday things you can do to minimise your chance of being involved in a car accident. Knowing the following should help you to feel safer on the roads. Let’s take a look at what you can do.

Avoid Distractions

Of course, you can only control what distractions come into view in a limited sense. After all, you can’t do much about distractions on the road or from elsewhere. But what you can do is work towards keeping the interior of the vehicle as distraction-free as possible. This might mean turning off your phone, for example, as these are a really common cause of car accident. It is also advisable to turn your music down, particularly if it is aggressive music. It has been proven that this type of music causes people to drive badly, so it is worth bearing in mind. Keeping distractions to a minimum is a great way of ensuring that you are much less likely to have an accident. Distractions are the number one cause of car accidents. So you can see why this would be the case.

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Learn To Defensive Drive

If you have never taken a defensive driving course, you should seriously consider it. It is a great kind of car accident help, as it helps you to improve your driving and lessen the likelihood of having an accident. In general, defensive driving is exactly what it sounds like. You will learn how to drive in a way which massively reduces your risk of anything untoward happening. It is clear that this is something that anyone could benefit from. You could even ask for a course on this for Christmas; with any luck, it will prove to be a great gift.

Take It Slow

In general, the most important thing to remember on the roads is to take it slow. This is the only advice that you really ever need, as driving slowly is always going to hugely reduce your chance of being in a road accident. If you are often speeding, ask yourself why that might be. It could be that you just don’t think about it, in which case developing a more mindful approach to driving could be the solution. Alternatively, it might be that you feel a little rushed, like you have to get everywhere quickly for some reason. If that is the case, take a look at the things in your life which are making you feel that way. Getting to the root of the issue like this is the most effective way to change your driving habits for the better.

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Which Kind Of Car Would Suit You The Best?

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When you buy a vehicle, you should make sure you get one that’s going to last you a long time. Buying a new car is a big commitment, so you’ll want to ensure you get one that suits you. There are many factors which can go into this. Maybe you need more safety, or perhaps you’re a speed freak.

With so many models available, it can be hard to choose a vehicle! Cars often get separated into different kinds- such as city cars and SUVs. The best approach is to figure out the type of vehicle that would suit you. You can then weigh up the best options. Here are some of the kinds you should consider.

Small Cars

Small cars can come in many forms. City cars, coupés, and superminis are all practical choices for many drivers. Their small size makes them perfect for city driving. Many come in 2-door form with limited trunk space, which might be less practical for some people.

These kinds of cars are ideal for beginners. Many are highly affordable and easy to drive. Compact cars such as the Ford Fiesta, Volkswagen Polo, and Honda Civic are particularly popular.

They’re also ideal for those who need their cars for nothing but the basics. You can easily handle your daily commute or the school run with these models.

Family Sedans

While city cars can usually get you from A to B just fine, some people need a little more space and performance. Sedans are mid-size cars which make ideal family vehicles, but single drivers can enjoy these too.

They’re still relatively compact, but you’ll get a little more storage and passenger space. Perhaps you need some additional trunk room, or maybe you plan to pick up passengers as a Uber driver. Sedans are great for this.

Honda Accord, Ford Fusion, and Nissan Altima are some stand-out models in this division.

SUVs

Sports Utility Vehicles are practical for all purposes. You get a huge amount of space. Performance is on-point, and many are equipped to take on the toughest terrains. Studies show they’re also safer.

With enough space for everyone, they make for great family vehicles. You’ll also need to worry less about auto incidents, but of course, they can still happen.

Many have adjustable driving features which let you adapt to any kind of road. You might even want to go for a 4×4 style SUV for something really powerful. Range Rover Sport, Ford Escape, and Honda CR-V are solid offerings in the market.

Electric Car

While things like style and performance are priorities for some people, others look for cheap and efficient vehicles. Those wanting an environmentally friendly car with low running costs should look into an electric car.

There are many reasons to get an electric car. With electricity being cheaper than gas, you can save tons of money each year. With no fuel emissions, you can also save on road tax.

They come in various sizes. Tesla is the leading name in electric vehicles, but brands like BMW and Volkswagen are also getting involved in the market. They’re becoming more popular, and it’s well worth trying an electric vehicle out.

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Drive Away Stress: Avoid These Common Road Frustrations

In many cases, driving makes your life less stressful. Having a car makes it easier to get to work in the morning. You can also take fun road trips and holidays with it. Sometimes it can even be an enjoyable hobby to take a drive. But at other times, being on the road can drive you crazy.

Studies reveal that road rage is rising, especially in busy city areas with congested traffic. Issues such as car breakdowns and rude motorists can quickly send drivers into a tailspin. No one wants to be stressed out, so use these methods to avoid common road frustrations.

Avoid Busy Traffic

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One of the biggest sources of frustration for all drivers is getting stuck in traffic. When all you need to do is get somewhere, congested roads holding you up can make your blood boil fast. That’s why it helps your stress levels if you avoid busy traffic.

You might want to plan your journey around how busy the roads are. Some apps can give you information on current traffic. If the route you need to take is too busy, it might be worth waiting for the roads to die down.

Of course, this isn’t always practical. For instance, you can’t waste time when you need to get to work in the morning! Another method that can help is simply taking a different route. Find quiet roads to cruise through. Even if the distance of the route is longer, avoiding traffic will save you time.

Prepare For Car Problems

In an ideal world, you’d never have to deal with a flat tyre or a broken windshield. But accidents happen, and sometimes car faults can emerge out of nowhere. The best approach to take is to prepare for these things happening.

Make sure you know where you need to go if an issue occurs with your car. Knowing the nearest mechanic will also help. You might also want to find an auto electrician in case you need help replacing a car battery.

You can also save some stress by handling some repairs yourself. Keep a spare tyre in the boot of your car in case one of yours goes flat. It’s also simple enough to replace windshield wipers or lights as long as you have spares handy.

Cut Down Costs

The costs of a car can also be stressful. Having to fork over your dollars for regular fuel refills can be frustrating. There’s also insurance and repair expenses to deal with, as well as the cost of the vehicle itself!

If your car is costing you too much every month, consider a replacement. Using an old banger until you get on your financial feet can save you a lot of money. Make sure you also compare all insurance deals and protect yourself against high insurance fees.

Ditch The Car

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Want to know a surefire way to avoid the stresses of driving? Don’t get in the car! By finding other ways to get around more often, you can save yourself a lot of frustration.

For instance, is your daily commute driving you mad? Consider cycling to work. It’s a healthy way to travel that also reduces stress. You could also consider public transport or you might even want to take a Uber ride.

Only driving when you need to will also reduce your fuel costs. Of course, it also makes car faults less likely to happen. It’ll save you all kinds of road stress, so take a walk more often.

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Everything You Need to Know About Looking After Your Vehicle’s Braking System

Your vehicle’s braking system is something that it relies on. It won’t be roadworthy if the brakes don’t work as well as they should. That much should be pretty obvious to you. So, how can you make the most of your vehicle’s braking system and ensure that it lasts for a long time to come? There are plenty of little things you can do to look after the braking system, so don’t worry. Read on to find out more and then start putting the advice outlined into action.

Keep Changing the Brake Fluid

Changing the brake fluid in your car is known as flushing. And it’s something that has to be done regularly. If you don’t do it often enough, your brakes will suffer. The brake fluid keeps everything flowing and healthy. Without that fluid, the brakes simply start to rot away and become stiff. That’s not what you want. And if you leave it too long without thinking about this, it could mean that parts of your brakes have to be replaced. That’s an expense that you shouldn’t have to pay for, so don’t let it come to that. Instead, you should flush the brakes and keep them healthy.

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Drive More Smoothly

The way you drive your car can change the way in which you use your brakes. If they are used too much or too forcefully, you could have problems with your brakes later on. First of all, make sure that you only ever use your right foot to apply the brakes. Then you should try to coast a bit more when you drive. This is a smoother and steadier way of driving, and it reduces the need for braking. When you don’t use that brake pedal as much, you will find that the car’s braking system lasts longer and faces fewer difficulties in the future.

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Upgrade Them

Your braking system doesn’t have to stay the way it is. If you think that it is a bit weak or underpowered at the moment, why not do something about that? When you upgrade your brakes, they will be much better equipped to cope with whatever is thrown at them when in use. Companies such as Pirtek sell brake hoses that might be able to add something new and more sturdy to your brakes. You could even upgrade the disc if you wanted to make a bigger change.

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Make Your Car Lighter

The lighter your car is, the better it is for your brakes. There is no need for your braking system to be put under more pressure that it already is. This simply causes problems that can be avoided. So, if you have lots of things inside your car or attached to it, you should try to get rid of these. By making the car lighter, your brakes will have less to deal with, and that can only be a good thing in the end. When the time comes to buying a new car, make sure you check the weight and only buy a car that is relatively light.

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5 Safety Guidelines For Beginner Motorcyclists

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Motorcycles – they’re a lot of fun, cheaper to run than a car, and super convenient. But, let’s not beat around the bush, here – they are also incredibly dangerous. The cold, hard facts are that you are 30 times more likely to die on a motorbike than you are in a car. And, when you are just starting out with your new hobby, those statistics go through the roof.

That said, with a little focus on safety, the vast majority of motorcyclists never experience an accident. And in today’s guide, I’m going to take you through some of the key points you need to know to stay safe. Read on to find out more.

Don’t drink or speed

Want to reduce the odds of having a bad motorcycle accident by a significant amount? Well, the onus is on you to avoid alcohol when riding and never, ever speed. Almost 50% of motorcycle accidents are caused by the rider speeding. And 4 from every 10 involve alcohol. So, by keeping yourself in check, you will have a much better chance of survival – your fate is in your own hands in the vast majority of cases.

Too hot to handle?

There are 50-cc bikes, superbikes, and everything in between. It’s a lot of choices, but which is the right option? Many motorcyclists are obsessed with power, to the extent they can often choose bikes that are simply too much for them. Try and be sensible, and be aware that even small engines can offer an awful lot of power., As a rule, never buy a bike that feels too heavy for you. And, if you aren’t planning on traveling on the highways, there is little point buying anything over 500-750-cc.

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Suit up

Don’t underestimate how important it is to wear the right gear. In the event you have a crash, it can be the difference between survival and an untimely end. I’d like to think you are sensible enough to wear a helmet at all times, of course. But you should also invest in the correct clothing and footwear. While jeans and a t-shirt might be more comfortable, it’s a recipe for more pain than they are worth if you crash. Biking boots are essential, too. According to the reviews featured at Bikers Basics, there are some vital things to consider. Waterproofing, flexibility, and armor protection can all make the difference.

Take the MSF

There are plenty of courses you can take to learn how to ride your bike in a safe manner. Look around your local area for your nearest Motorcycle Safety Foundation (MSF) course. It will give you the basics you need to stay safe on the road, and will also teach you some advanced techniques. Not only will it keep you safe, but it might also lower your insurance premiums.

Ride defensively

Finally, when you are out on the road, always assume the worst. No matter how confident you are, it’s not always you that will be the problem. Drivers may not see you or make stupid decisions, and if you are taking risks, disaster is more likely. Always ride defensively, and avoid tailgating and risk taking.

I hope these tips help you to stay safe on the roads!

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Protecting Yourself Against High Insurance Fees

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Car insurance, eh? Not exactly the most fun thing car enthusiasts have to deal with. But it’s extremely important and helps keep us safe. Of course, our need for it can make high costs sting even more. Here are the things that affect insurance rates the most.

 

The laws of your state

 

Where you are in the country will have an effect on certain areas of insurance policy. There may be vehicular laws in your state that place a different amount of blame on particular parties when compared to other states. And liability is pretty much everything when it comes to insurance! The laws will also dictate exactly what kind of car insurance you need. These are the minimum car insurance laws. One state may require you to cover things that another state doesn’t. This is why it’s important that you look into affordable auto insurance!

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DUI

 

If you’ve ever been caught driving under the influence, then you’re going to be hit with higher insurance costs. But it’s not just a flat rate for having been caught. The rate at which car insurance costs will increase depends on how your particular situation panned out. And I’m not just talking about damage to the car, the property of others, or even other people. (Though, of course, those things won’t help.) The extent to which you were punished by the law will also be taken into account. If you were sent to jail, for example, you’ll be paying higher premiums than someone who didn’t for a similar offence.

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Reckless driving

 

The typical rate of car insurance increase for someone caught drink-driving is in the 15-19% area. What may surprise you is that reckless driving can push it up even higher, to the 20-25% range. Of course, this isn’t too surprising when you consider what reckless driving can describe. You may have been driving without a license, or racing in the streets, or even trying to escape the police. Reckless driving, as defined by the law, will always be considered a major traffic violation.

 

A history of fraud

 

Here’s a question you may consider odd. Have you ever committed insurance fraud? Well, I doubt you would tell me even if you had. But if you have, then your insurance company are going to find out. Insurance companies aren’t exactly keen on working with people who’ve, y’know, defrauded insurance companies. If you’ve ever had a legal dispute with an insurance company, this could very well affect your premiums.

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Speeding
You would think that speeding would be classed under reckless driving. But as I implied earlier, reckless driving generally refers to very specific violations of law. Speeding, of course, can’t always be referred to as reckless in the same way. You may have been going a few miles per hour over the speed limit. This will be seen as minor, and won’t increase your car insurance rates too much. (Unless you do it repeatedly!) If you’ve been caught going ten miles or so over the speed limit, then that can cause higher increases. And if you were doing something like 60 in a 30 because you wanted to test your car’s speed? Then you’ll probably want to go back up to “Reckless driving”.

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To Lease Or Not To Lease? That Is The Question

Which is better; leasing or buying? Getting a car lease is becoming more and more popular in the US. So it’s certainly a relevant question.

 

Just a decade ago, leasing was a minor, but emerging player in the US market. Today, more than 1 in 4 cars in the US are leased.

 

The reason for its growing popularity seems to be down to the fact that younger people just expect to pay for stuff on a monthly basis. After all, gym memberships, phone bills, and credit cards are all paid off at the end of the month. Why not cars too?

 

The idea of saving up for a car seems antiquated. And many people don’t want to take on more debt than they already owe. Instead, they’d just rather use their car as collateral and have it taken away if they don’t make the payments.

 

So that brings us to the question; which is better?

Buying Versus Leasing

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One of the big advantages of leasing is that you can drive a car that you would never ordinarily have been able to afford. Mercedes lease rates on models like the CLA, a currently running for as little as $319 a month. What’s more, lease rates are typically far lower than the rates you’d pay on car loans, with interest included. And so using the car as collateral has significant events.

 

Moreover, leases are often far easier to obtain. To get a loan for a car, you have to apply to the bank, convince them that you’ll repay the loan and then buy the car outright. In the process, you’ll have to convince lenders that you’re a worthy borrower who will pay them back. But are you? If your credit rating is low, it’s unlikely you’ll ever receive a loan for a car. And that can be the end of it. Not so with a lease. Leases are usually available to people even if they have a terrible credit history.

 

Leasing also mean that buyers get covered for maintenance costs. Almost always, leases are on brand new cars. The leases themselves usually only last for a period of around three years. Then there’s the option of paying a balloon payment or start a new contract with a new car. Most people opt for the latter, preferring to pay a monthly fee to avoid depreciation expenses.

 

There is, however, a darker side to leasing. One of the problems is that buyers often have to pay higher insurance rates to cover gap insurance. In other words, if you get hit by another car, you need insurance that will cover what you still owe to the car dealer.

 

There are also often fees charged when you change your old car for a new car. Plus, you’ve got to be really careful with your vehicle while you are leasing it. If there is any damage to the interior or the paint work, you could be charged for this at the exchange.

 

To lease or not to lease? That is the question. If your car depreciates quickly, you’re probably better off leasing. If not, then you’re better off buying instead.

 

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Garmin or Google – Which is Best?

One feature I really like on my smart phone is the Google navigation feature. Is it better than my Garmin gps?

Well, having a job where I deliver items all over town, often at places I’ve never been before or rarely go to, a gps or navigation system is a real help to me. And, most of the time, my Garmin fills the bill.

But, and I don’t know why Garmin would not have corrected this years ago, the garmin gps sometimes won’t recognize some streets. Now, I’m not talking about remote back roads or streets that have been laid down only a week or two before hand. I’m talking sections of major streets that have been there since probably the late 1800’s! In Portland, one street my Garmin won’t recognize is a section of McLaughlin Blvd. This would be the equivalent of not recognizing a section of Olympic Blvd or Wilshire in Los Angeles or a section of Broadway or 42nd Street in New York City. It could be that it requires me to enter the street or address differently because the section may be in county territory rather than in any city proper, but this is pure speculation on my part. It would be nice in that case if the Garmin asked me if I meant a different name or designation for that section of street or road. This is my biggest pet peeve with my Garmin unit.

Also, unless you get a unit with live traffic updates, the Garmin unit gives you the arrival time assuming there is no traffic or other obstacles, such as construction going on. So, if you get stuck in traffic, the arrival time extends per the time spent going slower than normal.

Google, on the other hand, so far has recognized every street I’ve entered, along with the address, with rare exception. In addition, I can even say the name of the place or company I’m going to and it will pick up the directions and location and get me there.

And that’s another Google advantage. I can say where I want to go, whereas, with Garmin, I can only enter the address I want to go to.

Google also gives more precise directions, even telling me which left turn lane to use when there are two of them, to make things easier. And, because it looks at live conditions, it will give me a more accurate time of arrival and will route me along the fastest route under current, real time traffic conditions! It will even reroute me if needed!

Is Google perfect? Well, no. First of all, it uses my phone’s battery and data, but I usually have enough to use Google as my backup when my Garmin can’t tell me how to get somewhere. But, because it’s not good to use a car charger for a phone, unless it’s an emergency, I do have to watch the usage.

Also, the phone has no holder like the Garmin does, so it is more difficult finding a place where I can put the phone where I can see the map display.

Also, there are a few times when Google will insist you are entering a different address or street direction. A few days ago, I gave an address on “Southeast 82nd” and it kept changing the address to “Northeast 82nd”. Fortunately, Google rarely does this, but it’s every bit as annoying as when Garmin won’t recognize a major street.

I’d love to ask the experts from both companies why their navigation systems fail this way at times.

Nevertheless, they both come in very handy and, I think if Google made a stand alone gps like Garmin, it would compete very well.

So, which is better? Well, I think Google is better at navigating, but the Garmin, being a stand alone gps, is easier to physically use and see as a navigation tool..

And I do get my use out of both of them!

Happy travels!

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Window Deflectors are more than Cool for your Car

About a year and a half ago, I had window deflectors installed on my car. Here’s what the one on my driver’s side looks like.

Close up of window deflector. 5/26/2014

Driver’s side window deflector. 

 

Some people think the window deflectors make the car look cool. Others may disagree. I think they do add to my car’s looks to an extent, but they do add a lot more functionality than one might think at first.

First of all, the deflector’s main function is to prevent people in the car from being buffeted by air when the window is lowered. Yet, if more air is wanted, the opposite window can be opened which will draw in more air regardless, so the deflectors don’t block air completely. But, the deflectors do more than that.

When it is raining, especially if it is also not too cold, the car can get stuffy, and, if you don’t want to use the defroster, you can now open the window just enough for some air to come in but yet still “under” the overhanging deflector, so no rain comes in. And I can attest to the fact that this really works!. The deflectors really do their main job.

But here’s what they also can do:

  1. They can allow you to leave the windows open just slightly on a hot summer day and no one will see that they are not fully closed. This allows you to keep your car somewhat cooler without drawing unwanted attention.

  2. They can act as a sunscreen while still allowing you to see, when facing in a certain way when the sun is lower. Of course, this is dependent on your direction of travel and time of day, but it has helped me at times, providing some measure of glare prevention.

Now, if your car is one of those where the doors don’t have window frames, I believe you can still have deflectors installed. Check with an auto detailer or an auto parts dealer to make sure.

Price? Probably between $50 and $100 including installation, more or less.

So, window deflectors for your car are more than just show.

Happy motoring!

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Why I Now Prefer Pre-Owned (Used) Cars

I am now a believer in buying used cars. (Yes, I know, the term now is “Pre-Owned”, but I’m still hard-wired to say “Used”!) I bought my first, and current, used car in December, 2012, a 2007 Toyota Corolla, and it’s still going strong.

There are a number of things which I’ve learned that are better buying used, and I do mention cars being among them in my post, Used vs New: Which is Best to Buy? Now, here are the reasons why.

First, used cars are cheaper! This is true for most things, as a matter of fact, but cars are special, in that they are often the most or second most expensive item that people buy, and new cars depreciate greatly from the moment you drive one off the showroom floor.

In my case, for my previous car, which I bought new, I paid roughly $20k. I had the car for 7 years before it was totaled. That comes out to about $2,860 “paid” for each year I had the car. And mind you, I was able to pay the entire amount at that time, so I had no car payments to make and thus saved possibly $5k-10k in interest!

I paid $10k out the door for my current used car, which would have also been $20k when new, and have now had it for about 3 years come this December. At that point, that would be roughly $3,333 for each year. By June, 2016, I will be breaking even in comparison to my previous car, in only 3 and half years! When I’ve owned my current car for 7 years, the same amount of time I had my previous car, it will come down to $1,430 “paid” per year!

And another way in which I come out ahead: I paid $10k less for a good car, than what I paid 7 years earlier, despite inflation over that time! In a way, that’s $10k to the good for me!

Next, related to the first, is that you have less of an investment to lose. I’m given to understand that new cars will have the most depreciation within the first two years. So, with a used car two years old or more, it’s possible you’ve got a car that has had most of its depreciation. So if you decide to sell it down the road (pun intended!), you may recover a much larger proportion of the money you spent to buy the car and, in some cases, you may even come out ahead!

Then, used cars tend to be cheaper to insure. When I got each of my new cars previously, my rates always went up. With my current car, they didn’t.

Now, one thing is, you must do some research and also make sure you get any used car you’re thinking of buying, inspected by a trusted mechanic.  If you do, you’re more likely to reap the benefits I’ve just described.

But, even if you test drive a used car you like and are just satisfied that it starts and runs, you may still be saving money even if you do end up going to the repair shop a little more often in the beginning. (Do note, even if you do your due diligence, the used car you buy may need some work.)

Many say that buying a used car is buying someone else’s problem. But, think about this. If you’re paying $300 or more a month for that new car, month after month for 36-72 months, do you think that you’ll be paying that much every month in repairs for the used car you could buy instead at half the price? My bet is that you will not, especially if you do your due diligence when shopping for that cheaper used car. Just something to think about.

Finally, while I don’t plan on any big modifications on my car, I feel that I can modify the car as I please without that feeling of “messing new things up”.

So, these are my primary reasons for preferring used cars, and have made my motoring a lot happier!

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