How To Be Safer When Driving At Night

night driving

Night time driving isn’t something that many people particularly enjoy, and if they had a choice, they would prefer to drive during daylight hours. However, sometimes there is no choice, and since it is estimated to be three times as dangerous to drive in the dark, it’s important to know how to drive safely at night.

Check Your Headlamps

Have you ever looked at your car with the headlamps on? It’s a good idea to do exactly that. Sometimes your headlamps will be pointed the wrong way, perhaps lower than that should be, and sometimes they can be shining in different directions. You might not notice this when you’re driving, but you’ll certainly notice the difference one you realign your lights. It will make the road ahead much clearer. Don’t just assume that because you have a new car, the headlamps will be perfect – they can be just as wrong as on an old car. You should always wipe them down with a soft cloth; they can get very mucky, and that can mean they shine more dimly than they should.

Dim The Dashboard

Most cars come with a switch that allows the lights on the dashboard to be dimmed, so you should use it when it comes to driving at night. Although it might seem to make sense that you would want your dashboard to be as bright as possible when it’s dark outside, it’s actually the opposite that’s true. Having a bright light almost in front of your face can be extremely distracting, and it can compromise how much you’re able to see in front of you. Dim the dashboard as much as you can – although you’ll still need to be able to see your instruments and dials so it may take some adjusting and experiment to get it right.

Make Yourself Seen

We’ve already discussed how important your headlamps are when you’re in a car, but what if you’re on a motorcycle? Of course, your headlamp is still essential, but you should also wear additional reflective clothing to ensure that you aren’t missed in the dark. Since a motorcycle is much smaller than a car or truck, it can easily get lost on the nighttime roads, which is why a reflective jacket, gloves, or even a glow in the dark helmet available from power sports and more can help to keep you safe. You can wear all black leathers during the daytime, but it would be crazy to do so at night, so dress appropriately, especially if you are driving on less well-lit roads.

Don’t Stare At Oncoming Lights

Sometimes people will have dazzling headlamps, and sometimes they will have their high beams on and forget to take them off again. Whatever the reason, don’t look at bright lights. You can look to the side, keeping them in your peripheral vision (don’t turn your head, of course, as this would be dangerous), but staring directly at them can leave your eyes unfocused and unable to see very well, which in turn can lead to an accident. If the car with bright lights is behind you, adjust your rear view mirror so that you angle the light away from you.

Car Search: How to Find the Perfect Vehicle at the Best Cost

auto buying

When it’s time to buy a car, you want to get the right vehicle without spending a fortune. How do you determine which car is right for you and whether it’s a good deal? Start with these tips.

Assess Your Needs

A slick little sports car might be your dream car, but if you’ve got three kids in car seats, it’s probably not very practical. Consider what you need in a vehicle. How many passengers do you usually have, and do you use car seats? Do you need lots of cargo room? Is fuel economy important because of a lengthy commute? Figure out the things that you absolutely need in a vehicle, so you can look at vehicles that will actually fit those needs.

Determine Your Budget

Whether you’re paying cash or financing your car purchase, you need a budget. How much cash can you afford to spend? If you’re financing, you shouldn’t spend more than 20% of your monthly income on a car loan. Determine how much that is. Set your budget before you even start looking at vehicles so you aren’t swayed to spend more than you can afford by a more expensive vehicle.

Find Cars for Sale

You can start by looking online, but ultimately, at some point, you’ll need to visit a dealership. Test drives, sitting in the vehicle to see how it feels, and looking it over in person will give you a much better feel for how it runs and if it meets your needs than looking at photos online. A buy-here-pay-here lot such as AutoStart offers a lot of benefits, including financing if your credit isn’t perfect and the ability to find, finance, and drive your new car home all on the same day.

Consider Ownership Expenses

When comparing cars, the less expensive car might seem like the best deal. But consider the costs of ownership. Some vehicles cost more to insure. An older car might require more maintenance and repairs, which will increase the cost of ownership. Consider the cost of fuel consumption, whether you have a long daily commute or just take a family vacation across the country once a year. Depreciation will make the car lose value, meaning when you sell or trade it, you’ll get less than you’re paying for it. Consider all of these factors, along with cost, to determine the best value.

Finding the right car for you, at the ideal cost, may take some time. Figuring out what you need, what you’re looking for, and how much you can spend before you start your search can shorten the length of the search.

Take Your Time When Searching for a New Vehicle

auto shopping

Shopping around for a new vehicle can be quite exciting. It is fun to look at all of the possibilities that exist. It can be fun to do research when looking at the pros and cons of different styles of vehicles that may be available in your area. When it comes to purchasing a vehicle, new or used, the last thing that you want to do is rush through the decision.

Make sure to take your time

There have been many individuals who have bought a new vehicle and later regretted the decision. They bought the vehicle on impulse. They went to a local BMW Alpharetta GA car lot, fell in love with a beautiful vehicle, and bought it right away. And while the vehicle is in excellent condition and what most people would want, it was not necessarily the right decision at that moment for the person.

It is much better for a person to think things through and make sure that the choice is right for them. This may mean that the person has to visit the car lot or meet with private owners multiple times before they decide on a specific vehicle.

Use alternative transportation while you look

Some people are in a situation that seems very desperate and they feel forced to get a vehicle as quickly as possible. Of course, each person’s circumstances are different. However, it may be better for a person to use public transportation, walk, take taxis, or ask a friend for a ride for a short amount of time instead of being rushed into making a quick decision when it comes to purchasing a car.

If a person’s circumstances allow them to use these other forms of transportation for a while, not only will they have more time to look around for the right vehicle and make a wise decision, but it may also allow them some more time to save up money so that they can get the highest quality vehicle for their circumstances.

Analyze your circumstances

Something to keep in mind when looking at a vehicle is what you expect your future circumstances to be. Of course, you cannot foretell the future. However, you likely have a good idea of what your circumstances will be a year from now or five years from now. This type of thinking can help you to decide the right vehicle for you, especially if you want something that is going to last at least several years.

Auto Financing: 4 Plans to Help You Get into a Car Fast

auto financing

Before making the commitment to a car loan, take time to plan a few important steps. To get into a car quick and painlessly, it helps to maximize creditworthiness, budget accordingly, realistically consider your income, and obtain a preapproval.

Maximize Your Creditworthiness

To have the most auto financing options, check your credit beforehand. Knowing your score helps you know what to expect ahead of time. Also, it gives you the opportunity to improve your score. Always look for errors on your report. If account balances are inaccurately reported or if $0 balance on accounts are not reflected, you may find yourself paying more in interest or being denied. Pay particular attention to previous auto loan reporting. If possible, pay down credit cards or pay them off completely. Credit scores are sensitive to the percentage of your total available credit you have used. The lower the better.

Budget Accordingly

Before stepping onto a car lot, know what you can afford. Often, people make the mistake of just figuring the maximum they can squeeze out of their monthly income, but this leaves them at a disadvantage. It is important to only spend as much as you can comfortably afford, while still having enough room in your budget to meet other financial goals. Prior to purchasing a vehicle, make sure you have budgeted for other vehicle-related expenses, including insurance, gas, maintenance, and repairs. These amounts differ substantially with different vehicles, so the monthly payment should never be your only consideration.

Consider Your Income

A good rule of thumb is to spend no more than 10 percent of your after-tax income on a car payment. For example, if your take home pay is $2,500 per month, than a car payment of $250 or under keeps you in good financial shape. Some companies, like Bay Ridge Nissan, know that you also have to add insurance, gas, maintenance, and repairs to this figure. When you calculate the total costs, it usually becomes clear why the 10 percent rule makes sense.

Get Pre-Approved

This not only saves you time at the dealership, it saves you money as well. Pre-approval prevents you from having to make a quick financing decision. You can take the time to consider multiple options. They also give you negotiating leverage. From the dealership’s standpoint, you are not only a sure thing, but you can keep the negotiation focused on the price of the car instead of the monthly payment.

Armed with your preapproval and prepared with a budget, getting into a car fast is no problem. The balance of the negotiation is on your side when you know what you want to pay and stay within your parameters.

Car Crash: How to Financially Recover from an Accident with No Insurance

car crash

Auto accidents happen every day to hundreds of people around the world. Fortunately, not every car accident happens in injury and serious loss. However, if you’re trying to recover from an accident with little to no auto insurance, you may have a harder time getting back on your feet. Below, are a few ways you can financially recover from an accident with no insurance.

Create a Budget

If you are unable to file a claim or get a settlement following your auto accident and have a few large bills to pay off, it’s important to create a budget so you can afford to pay them off. First, you should use your emergency funds to see what you can initially pay off, but the leftover money should be reworked into your budget so you can offset the costs. Creating a budget, in general, is important to do so you can cut out useless spending and put more money in your savings account for emergency situations like this in the future.

Take out a Payday Loan

Following a serious car accident, especially if you need to recover from injuries, you should consider taking out payday loans from a place like no credit check cash advance. These kinds of loans are offered by a private lender and give you money before your “payday,” so you have immediate funds. However, if you’re out of work for an extended amount of time due to recovering from injuries, this type of loan can help get you on your feet and help you get on track recovering financially from a serious car accident.

Try Peer to Peer Lending

To help yourself financially recover from a serious accident with no auto insurance, you should consider taking advantage of peer to peer lending or crowdsourcing. For crowdsourcing, fortunately, you don’t have to pay off what is rewarded to you, and you can use platforms like Kickstarter and IndieGoGo. However, if you want to use peer to peer lending, you’ll be paired with a private lender that will offer you cash upfront at a certain interest rate. Going down this road, you’re going to want to look into peer to peer lending platforms like Avant, Prosper, and PeerForm.

Get a Side Gig

A way to finally recover from an accident with little to no risk is to get yourself a side gig that will offer you another source of income. Fortunately, there are plenty of jobs out there that you can do in your free time, such as starting your own business. However, it may be hard to get a driving side gig following a serious accident. But, there are plenty of retail jobs out there that you can apply to. Once you get a side gig, you should then use the extra income to rebuild your emergency savings account and pay the bills from your accident.

Ask for Professional Help

Ultimately, to financially recover from an auto accident, you may need to get professional help from a personal injury lawyer. This professional can help you get some settlement, even if you don’t have insurance. Also, a personal injury lawyer can help represent you in court and fight a slow insurance company on processing your claim. Unfortunately, personal injury lawyers tend to have a bad stigma around them, but they’re essential to recovering from a serious car accident.

It can be challenging to financially recover from an accident with little to no auto insurance. However, with help from this article, you should be able to get yourself back on your feet a little easier. We wish you the best of luck recovering from an auto accident and hope you can get your finances back on track with little risk.