December 2007 - CarLeasingSecrets

Archive for December, 2007

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Best Car Lease Deal: The Right Insurance

Got the best car lease deal but not sure about what the right insurance is for your new purchase? Some car dealers already offer their own insurances with any car they are selling or leasing out but you might want to do a little research for yourself. So for the best car lease deal insurance options, make sure that you do any or all of the following steps:

Visit your State Departments insurance website – It’s always good to know what the insurance policies are for your home state and for other states if you are planning on moving.

Find recommended insurance companies – The way to find out which best car lease deal insurance options are out there is to ask your local car body shops. Since they will be the people you will most likely visit if you get into an accident, find out from them which insurance companies work the best for them as well.

Check insurer financial ratings – If you can get information on the financial strength of a company, this will definitely help you with your best car lease deal insurance decision.

No idea? Work with an agent. – There are many insurance agents you can work with who can give you the best advice when it comes to car insurance. Of course, trust is a different issue, so make sure to work with an agent from a reputable institution.

Car Leasing Guide: Maintaining Credit

Any car leasing guide will tell you that you will have a difficult time leasing a car if you are under a dark cloud of bad credit. Of course, there are options for people with bad credit to still lease cars but it will cost them much more to do so.

But if you do have bad credit or feel that you might get into it, there are ways of avoiding it. First of all, find dealers that have the best rates when it comes to car leasing. As long as their rates are low and affordable then you won’t have to worry about not being able to catch up on monthly payments. If you do have bad credit and want pre-approved applications for car leasing, this car leasing guide advises that you get one online. There are many lenders that can refer a loan request to a lender online.

But bad credit is something that you want to avoid completely. Look for debt relief services either online or through your local banks that might be able to refer you to a company if they do not handle that service for you. Companies that can help you avoid credit problems can do many things such as lower your monthly bills, eliminate debts that you might already be in, help you avoid going bankrupt, and reduce your total debt. Probably one of the most useful services that they have is that they can combine all your debts into one so that you can pay off just one total bill instead of getting confused as to what bills to pay first.

If you haven’t had a bad credit history, then that is very good. Maintaining your good record is the next important step. This car leasing guide advises that you can do this by paying your largest credit balances first. Also, if you do have credit cards that you don’ use, you should keep them open as this can affect your credit standing. If you do not have new credit cards, you may want to consider applying for some but do not use them. If you have to use them, make sure that the balances on those credit cards are at zero with each payment. And as any car leasing guide might advise, make sure to pay your bills on time.

Cheap Car Leasing: Lease Or Buy?

Are you just about ready to make decisions on whether you should buy a new car or settle for cheap car leasing? This may be a tricky situation you have gotten yourself into. But let’s take a look at some of the facts. Cheap car leasing may not be as popular as getting a loan to purchase a car or for financing it. But it is definitely something that a fraction of the market has decided to accept while forgoing ownership of a vehicle and enjoying its short term benefits.

So what is it about cheap car leasing that is so enticing to customers? Well, first of all it is cheap. You can get a brand new car for virtually no down payment (but definitely super low if there is a down payment). And this means just about any car that you have been dreaming of, be it luxury or sport. Not only does this mean you can afford to drive many of the vehicles out in the market; it also means that your cheap car leasing can allow you to drive a new car about every two to three years, depending on the leasing contract that you have with your dealer. Also, this comes to a great advantage if you are the type of person who likes to try out new automobile technologies every two or three years.

The drawback, of course, is that once you start leasing, you never really stop paying until the end of a lease contract. And at the end of the contract, the car that you have leased will not be yours to own. This is the one thing that discourages many car enthusiasts from getting into a cheap car leasing contract to begin with. These days, buying a car is actually quite easy with the low interest finance plans and even some cash-back offers from some dealers.

As you make your decision, you really just have to ask yourself what will help you in the long run. Are you the type who needs a new car every so many years? Or do you just want to make a one time purchase, own a vehicle after a few years of payments and be able to sell it over time? Keep in mind that as interest rates rise, buying a car will mean that you have to pay more when it comes down to monthly payments. Leasing payments, however, will remain as affordable as ever. And your leased car, as long as you keep it in the best condition possible, won’t have to end up as a depreciating asset in your garage. At the end of your cheap car leasing contract, all you have to do is turn the car in to your dealer walk away.

Leasing Discounts? Consider Refinancing

Having a hard time catching up with your lease payments? Looking for leasing discounts but can’t find any that suit your budget? Before you transfer your lease or decide to buy off the car and sell it to someone else, you might want to consider refinancing your lease. Basically, this means that you can extend your current lease deal to an increased number of years. For example, if you have a three year lease term with your dealer, extend it to five years. This will ultimately lower your monthly payments but the downside is that you will end up paying off the lease over a longer period of time.

Does it cost more? Some lease companies might actually make a profit from your refinancing decision. Ultimately, however, with depreciation of the product, you might be paying the same amount as you would with your current number of lease years. This is the closest that you can get to leasing discounts with a dealer that doesn’t offer anything more.

Car Leasing Secrets: Exiting Early

Entering a lease is much easier than getting out of it. All one has to do is go through all the paperwork, skip out on all the car leasing secrets, sign, then start paying the monthlies. Perhaps it’s not so wise to forget the car leasing secrets, though. These include all sorts of hidden charges and insurance payments your local dealer won’t tell you about. So how do you exit early so that you don’t end up spending too much of your hard-earned money?

Anybody who has gone through lease arrangements that one of the car leasing secrets is to transfer a lease, which is actually a more cost-effective of getting out of a current lease. But there are two other ways that you might be able to get out of a lease in order to make things a little easier on your pocket.

Your first option is to actually sell the vehicle. Now, since a leased vehicle is not yours to begin with, you will have to buy it from the leasing company. Of course this means that you will have to spend some of your savings but you can make all the money back and probably more once you sell the car to somebody else. To buy out a lease contract you simply have to pay all the remaining monthly payments. Let’s say that you have a two year lease contract and you have gone through 6 months of payments and have realized that this lease is not good for your financial situation in the future. All you have to do is pay the remaining 18 months as stated on your lease contract. To get the actual cost of the remaining balance that you have to pay, just multiply 18 with the amount of interest that you are paying each month. The result is what you will have to pay to actually own the car and be able to sell it. Now, making all that money back depends on your business and selling savvy but remember that you shouldn’t be surprised if you don’t make a profit. Bottom line is that you have finally ended your lease contract and saved yourself a whole lot of money for the long term.

The other alternative is to refinance your lease. Refinancing a lease is for those who cannot transfer a current lease because their leasing company doesn’t allow it. Refinancing basically means extending your lease contract so that you make payments but at a lower rate and a longer term. What you are doing is stretching the depreciation which therefore lowers your monthly payment. Although this is not a way to exit a current lease, it certainly does a great job of making payments easier for you to manage. This is also very welcome by many car leasing companies. However, some dealers will not let you in on car leasing secrets such as this because they want you to keep paying the same rate as stated in the original agreement you have made with them. It’s good business for them and as far as they are concerned, customers enjoy the experience of leasing for the reason that they can enjoy different cars every time a lease contract is renewed.

What Our customers are saying

The lease rate I got by calling the dealer was $67 higher than the rate I got from Car Leasing Secrets. It’s all about the local competition. So happy with my Benz!
 
Cristoph Wiese
Athens, GA
This is probably the easiest way to get quotes and compare them. I got one from each dealer in my city. One of them was surprisingly low. The quotes are free. No worries there.
Kristen Fletcher
Albany, NY
What a great way to shop around! I wanted a Corolla. There’s only one Toyota dealership in my city but I got a quote for a Honda Civic and decided to go with that one because I got such a good offer.
Mark Dolan
Missoula, MT