The Honest Guide to Better Car Ownership, from Zotto's Car Tips
Buying a car can be a pretty lucrative business if one does not take the time to do their homework. The first step is to check the vehicle's history in its entirety through the VIN. Websites such as Carfax or AutoCheck provide very pertinent information: the vehicle may have been in an accident, it could have been flooded, its odometer readings may be inconsistent, or it could have been used as a rental vehicle. Aspects that bear on the vehicle's performance and life expectancy are also revealed.
Once you have located a car you're interested in, take with you someone who understands the subject or, better yet, have it inspected by a mechanic of your trust. Look for leaky oil stains, rust under the body, and uneven tire wear. Ensure the buttons inside, lights, windows, and air conditioning work properly. Then, give that vehicle a real test drive. Cruise around the streets and highways to catch the brake response and sense steering.
Understanding Car Loans: What You're Really Paying For
Car loans can be confusing, and sellers often make the numbers look better than they really are. The monthly payment might seem affordable, but if the loan term is six, seven, or even eight years, you could end up paying thousands more in interest than the car is worth. Focus on the total loan cost, not just the monthly amount.
It's a good idea to shop for a loan before you shop for a car. Banks and credit unions usually offer better rates than dealers. Always compare the Annual Percentage Rate (APR), which includes interest and fees. If your credit score is low, consider improving it before applying. Even a small score increase can help you get a better deal. Also, consider how long you plan to keep the car. You don't want to be paying for it long after it starts having problems. Keep your loan as short as you can reasonably afford.
Car Accessories: What's Worth Buying and What Isn't
Not all car accessories are useful, and many of them are just extra money-makers for the seller. For example, items like fabric protection, rustproofing, and window etching are often overpriced and don't give you much benefit. Dealers typically add these extras to increase their profit.
Instead, focus on practical accessories that protect your car or improve safety. Floor mats, seat covers, trunk liners, and sunshades can protect your car from dirt and sun damage. A good-quality phone mount or charger makes driving safer and more convenient. A dash cam is also worth considering—it records your driving and can be useful in case of accidents. Before buying anything, read online reviews to see what other drivers think. Cheap items can sometimes do more harm than good.
Simple Maintenance That Keeps Your Car Running Longer
Doing a few basic maintenance tasks can add years to your car's life and save you big money on repairs. One of the most important things is changing the engine oil on time. Check your oil once a month and change it every 5,000 to 7,500 miles, as recommended by your owner's manual. Use the oil type the manufacturer suggests.
Check your tire pressure at least once a month. Low tire pressure causes your tires to wear out faster and reduces your fuel economy. Rotate your tires every 6,000 miles to prolong their lifespan. Also, make sure to replace your air filters regularly. A clogged engine air filter can lower your car's performance, and a dirty cabin air filter can make your A/C less effective.
What to Know When Buying or Selling a Used Car
Whether you're buying or selling, paperwork and presentation matter. If you're buying, ask to see the title, service records, and maintenance receipts. Make sure the title is clean—not marked "salvage" or "rebuilt." These cars may have been involved in major accidents and could be unsafe, even if they appear to be in good condition.
If you're selling, clean your car inside and out. Take clear photos in daylight, and be honest about any issues. A clean, well-maintained car is more attractive and can fetch a higher price. Additionally, gather relevant documents, such as the title, bill of sale, and maintenance history, ahead of time. If you're trading in your car, check what other companies like CarMax or online dealers will offer first.
Why Car Insurance Shouldn't Be an Afterthought
A lot of people go with the cheapest insurance option, but that can backfire if you ever need to file a claim. Compare quotes from at least three companies. Some insurers offer discounts if you bundle your car policy with home or renters insurance. Others offer lower rates for safe driving, especially if you agree to use an app that tracks how you drive.
Ensure your coverage aligns with your needs. Liability insurance is required, but if your car is new or financed, you'll also need collision and comprehensive coverage. These protect you if the car is damaged in an accident, stolen, or affected by weather. For older cars, it may be more cost-effective to drop full coverage if the cost exceeds the car's value. Review your policy annually to ensure you're still getting the best deal.
Keep a Monthly Car Care Routine
It's helpful to create a monthly checklist to ensure you don't forget key car care tasks. Each month, check your oil level, tire pressure, and windshield washer fluid. Look under the car for any leaks. Clean the interior to remove dirt, crumbs, and trash that can attract pests or cause smells.
Every few months, wash your car and apply wax to protect the paint. This is especially important in winter if you live in an area where roads are salted. Salt can cause rust quickly if not washed off. Also, during the summer months, park in the shade or use a sunshade to protect your dashboard and seats from cracking or fading.
Final Tip
A vehicle is a major purchase and a long-term responsibility. It's more than just a transportation system; it is an investment that demands some care. Take care of your vehicle, and it will return the favor by serving you well for many years. Drive defensively. Hard braking, sharp corners, and sudden accelerations, not only waste fuel but also accelerate the wear and tear of your tires, braking system, and engine. Soft stopping, avoiding speed variations, and steering clear of potholes can go a long way toward conserving your car. A host of other factors, such as being attentive to signs of wear and tear, performing minimal maintenance, making smart purchases, keeping the car clean, and more, can help transport your car to a very smooth ride while ensuring safety. Zotto's Car Tips will guide you with clear, down-to-earth instructions you can count on.