Dining Car
Purchasing Car Insurance From your Car Dealer is a Bad Idea?
Buying a car is a big investment, and one where you need to be ready to make a number of important choices. Besides having to actually choose a vehicle and arrange for financing, you need to find yourself a car dealer with your interests at heart and get insurance on the car. With every step and decision you make, there are a lot of official forms that you will have to fill out. The car dealer is one of the most confusing people you will meet along the way, so a car buyer has to prepare himself thoroughly. Go somewhere that has that you have heard good things about. The secret behind every car dealer is that they care only about personal aggrandizement the commission they will make off of the vehicle they sell you, plus any add-ons.
In some states you can purchase your car insurance from the dealer who sold you the car. Bad idea. The reason for this is they will markup your insurance rate because again, they are in it for profit. They care about making big, fat commissions off your purchase -- customer protection is not their priority. It IS a priority, because they will want you back again, but your specific financial needs are not at the top of their list. You will notice they will give you stellar customer service while you are there. Again, this is because they are in the wining and dining stage that appears before every closed deal. Obviously, you are more likely to purchase something from someone that treats you well. In the eyes of the car dealership, they are competing with all of the other dealers that try to win your trust and favor while you are making a major financial decision. They are hoping you are going to be so blinded by their niceties that that will necessarily affect your decision to purchase, lease, or walk away.
While you may love being treated like a big-time celebrity,, stop for a minute if you hear the words gap insurance. Gap insurance is an insurance coverage that will cover you in the event of a total loss. It will cover the "gap" created by the difference between the value of your vehicle and what you currently owe on it. You may think you won't need it, but you will. The second you drive your brand new car off of the lot it depreciates in value, so even if you got in a wreck or had it stolen minutes after driving away, you are going to owe more money than you intended. Gap insurance covers you for such contingencies. It is a good idea to get it, a bad idea to get it from the car dealership. Again, the same principle applies. They have already marked it up to increase the volume of their bank accounts. In most cases, the markup can be anywhere from $500 -- $1000 above the cost of the actual coverage. This is a known fact published in Automotive News. There are many reliable sources for Gap Insurance either online or through a local car insurance company. While you are looking to get better insurance deals for your newly purchased or leased vehicle, do it through an actual insurance company. There is nothing wrong with the insurance offered through your car dealer, it will still protect you, but it will definitely not be cheaper than other options that might seem promising.
About the Author
Ajeet Khurana writes on a wide range of topics -- technology, business, education, and more. He recommends the following sites: cheap car insurance, car insurance, and Ohio Car Dealers.
Dining Car
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Recommendations for dining alone (solo) in Old Town, Scottsdale AZ?
I will be travelling to Phoenix on business and was hoping to get some suggestions and/or recommendations for solo dining in Old Town Scottsdale, AZ. I won't have a car so this will probably be the best area. I don't mind eating at the bar but I want to feel comfortable in the restaurant environment. Looking for something casual, not to stuffy and would prefer a non-chain restaurant. Any recommendations or suggestions would be greatly appreciated.
Take your pick. There are TONS of resaurants and bars within walking distance of the mall, which is right on the end of Old Town.
Don & Charlie's
Bada Boom Pasta Room
Blue Wasabi
Bourbon Steak
Buca di Beppo
The choices are nearly endless.