Blog
Insurance, Store Policy and the Law  Apr 25th, 2017 
Im not sure why, but there seems to be quite a bit of confusion between insurance requirements and whether or not you have to have it when you finance a vehicle.  State law always requires you to at least have liability insurance.  What this covers is an at fault wreck.  It will pay for any damage you do to someone else, and or their property that you damage.  It does not cover anything that happens to you or the vehicle you are driving.  This is why dealerships and lenders require you to have comprehensive and collision insurance as well.  This is called full coverage.   This covers you, your vehicle and any other damage that is done to anyone else or their property.  A lender or dealership has give you a loan so that you can purchase the vehicle.  The vehicle needs to be covered for the duration of the loan so that the property being loaned on is covered.  This is required by all lenders.  Some dealerships will have their own insurance on the vehicle for a small fee and then you are only required to get liability through your own means.  Make sure you understand the terms of this scenario so that you remain in good standing with the lender, and you are abiding by state laws.  When financing a vehicle, you must factor in the insurance monthly cost along with the payment so that there are no surprises when it comes to making your first payment.  Insurance also does not cover mechanical repairs or when a vehicle breaks down.  That is a warranty, not insurance.  Two totally different things.  If you dont understand the difference, then ask. 
 
 
Knowing your paperwork and contract  Apr 7th, 2017 
Anytime you purchase a vehicle, there is normally a mountain's worth of paperwork to sign.  Makes sense, though, when you are signing a financial contract with a lender.  This will always be the case.  You have to understand what you are signing.  If you don't understand, then ask your dealer before you sign. There is nothing wrong with being thorough.  The dealer wants you to be very aware of the forms you are signing.  A dealer will always explain to you what you are signing, but in most cases, you are so excited that you have just found your new ride, that most only hear small portions of what you are agreeing to.  First, make sure you understand the contract, meaning, payments, interest rate, money down, price of the vehicle, amount you are financing, all the taxes, titling fees, registration fees, etc. Second, is how the vehicle is sold.  Is it sold AS-IS, or is it sold with a warranty?  If no warranty, then ask about warranty options.  If anything, we would recommend at least a power-train warranty, covering the engine and transmission.  Its like insurance.  You are paying for piece of mind.  If you wreck your car, you definitely want it covered.  Same thing with a warranty.  If your car ends up having a major issue, you are going to want it covered.  Also, anytime you finance a vehicle, you have to have full coverage insurance.  This is something that you will always have to account for in purchasing a vehicle.  Its just part of it.  Make sure you understand the dealers requirements on the insurance details.  Every dealer could be different in this area.  This is very important.  When you are signing all of your forms, the basic key is to ask as many questions as possible to make sure that you understand any and all pages signed.  If not, then ignorance of the contractual obligations will not help you if something doesnt go smooth after the purchase of the vehicle.  Once that vehicle is tagged, it is yours, including all repairs on the vehicle.  No dealer is responsible for any repairs after the sale of the vehicle.    
 
 
What to look for when you are buying a car.  Apr 6th, 2017 
One of the toughest things about buying a car, is knowing if you are buying the right car.  We want to give you some tips on what to look for when you are buying a pre-owned vehicle.  First of all, if for some reason you buy a used car that happens to have some issues after you buy it, there is no such thing as a Lemon Law when it comes to used vehicles.  Lemon Laws only have to do with new cars, and they have to have the same exact problem more than 3 times within a certain amount of time.  Preowned vehicles do not apply.  Now, when buying a preowned vehicle, it is ok to take a mechanic with you and a lot of dealers will let you take the vehicle to a mechanic before you purchase the vehicle.  We suggest it.  We buy our vehicles either on trade or through many of the auctions.  This is the normal way that dealers buy their cars.  We will go in and fix the obvious, but we  cannot predict when something else may happen to the car.  While in our possession, we drive the vehicles up to 25 miles to make sure they are safe to drive and functioning properly.  We cannot put endless amount of miles on these cars because we dont have the resources to do so.  We do our best to make sure they are sound and solid for you to purchase.  When you come in, make sure their are no leaks under the vehicle.  Check all lights and blinkers and your horn.  Take the vehicle for at least a 15 minute test drive so that it has plenty of time to warm up.  Make sure you take it out on the highway so you can see how it drives at 70mph.  Also, make sure the transmission shifts smoothly through all gears.  Also, check all switches, such as the locks and windows.  If anything is wrong with the vehicle, as far as mechanical goes, please let the dealer know before you purchase the vehicle.  Almost all dealerships offer outside warranties for the cars you purchase.  Always ask about the warranty that can be purchased.  Something as basic as a power train warranty, which covers the engine and transmissions and normally all internally lubricated parts, is the  the  way to go.  It could save you a ton of money on down the road and gives you piece of mind as well.  The dealers are your banks and financiers.  They are not your mechanic.  It is always wise to have a good honest mechanic in your back pocket and if you dont have one we can always refer one for you because of the network we have.  We are happy to help guide our customers to good honest companies for any of their automotive needs, whether it be mechanics, insurance companies, warranty companies, body shops, in case you get into an accident, or any companies that could help you along your way.   
 
 
Big Lenders Pulling out of Subprime Auto Loans  Mar 31st, 2017 
It looks like the big boys, in 2016, pulled out of the subprime lending on auto loans.  What this means is, its going to be tougher to get approved for car loans, with questionable credit, at all of the new car stores.  This is where we come in.  We have over 30 banks and lenders that will approve car loans.  Don't worry about not having perfect credit.  Thats not the way we work.  If you have been on the job for a while and have been at your residence for some time and show some consistency, we can normally get you traditional financing that will help you re-establish great credit.  If you are not in that position yet, thats ok.  We have 3 stores that deal directly with In-House financing, and can still get you on the road with your new ride.  Dont let the idea of not having perfect credit stop you from re-establishing yourself.  We will always do whatever we can to get you rolling.  If you have questions at all, please call us and ask.  We are here to help! 
 
 
Toyota Recalls!!!  Mar 30th, 2017 
Toyota is recalling over 2.9 million vehicles for the Takata airbag issue. Luckily, all Toyotas in America weren't affected by this recall.  At least 16 deaths have been confirmed due to the exploding Takata inflators for the airbags.  This sparked a global recall by the manufacturer.  Always check for recalls for your vehicle no matter what the make or model is.  You never know when there are flaws that the manufacturers are recalling.  It is a service that your local dealer will provide to you for free when you take your vehicle in.  All repairs on recalls are free to the customers.  Call your local dealer and give them the VIN # to find out.  Safe driving! 
 
 
What to bring with you to speed up the process  Mar 21st, 2017 
Nobody likes being at a car dealership for hours on end, so we wanted to assist you a little before you come in as far as what to bring with you.  We normally get our clients in and out, but sometimes, if you don't have the necessary items, it can prolong the process. For starters, always have your ID on you.  We accept Texas Drivers License, Texas ID, Government Passport and Matricula's.  Next, is your proof of residence, meaning, cell phone bill, electric bill, or lease agreement, etc.  You will also need your proof of income. If you have the last 2 or 3 check stubs, then that would be great.  We always ask for at least 5 references as well, so if you have all of their information ready when you get here, that will speed things up greatly.  If you saw an ad online, it would be great if you actually brought that in with you, but it is not required.  Thank you for your time! 
 
 
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