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New Car Buying

doug • Jul 15, 2021

Buying A New CAr

Things to Keep in Mind When New Car Buying

 

New car buying is an exciting time — but it can also be stressful. After all, you’re trying to get the best deal on price, while also deciding on the make, model and features you need.

 

Here at Select Source Insurance in Spartanburg SC, we can’t really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you’re looking around the lot — and when you’re trying to answer the age-old question of “new, or used?” Read on with an open mind, and you might just come to a different decision the next time you’re on the car lot.

 

New cars

Ah, that new-car smell. It’s a bit of a cliché, but it’s one of the things that people love about climbing into a brand-new car. And while they make air fresheners that supposedly give you that same smell for your used car, it just doesn’t seem the same, does it? Still, there are other benefits to buying new — and, of course, there are drawbacks as well.

 

  • PRO — maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car, and you likely won’t need a new battery, tires, etc., for several years after your purchase.
  • PRO — peace of mind: Your new car may have a warranty for up to 10 years, and also is covered by “lemon laws” that could allow for a replacement or refund if the car has serious defects.
  • CON — cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.

 

It’s also worth noting that when you buy a new car, in its first model year (meaning it’s a new model for the automaker), there won’t be many user reviews available, and data on reliability and repairs will be limited. In addition, sometimes newly introduced cars have some kinks that generally are ironed out by the second and third model years. These aren’t necessarily serious issues, and the warranty should cover them, but in some instances, you and your car could be headed to the shop more than you’d like.

 

Used cars

Don’t care about the new-car smell? Looking to save some money on your purchase? Well, a used car might be right for you. There are many advantages to buying used, but you’ll want to be a little more careful. After all, it’s hard to know exactly how well the previous owner treated the car. But you can limit your risk with a little bit of work.

  • PRO — cost: New cars depreciate quickly after they’re purchased. By buying used, you’re letting someone else take that financial hit over the first few years of the life of the car.
  • PRO/CON — reliability: Buying a used car is less of a gamble than it used to be, particularly with the advent of “certified pre-owned” programs many automakers now offer. However, used cars generally don’t carry the same warranties as new cars, even though the original manufacturer’s warranty is usually transferrable to a second owner.
  • CON — maintenance: While a used car theoretically shouldn’t need more frequent maintenance than a new car, you’ll likely need to replace things like tires, headlights, etc., earlier. And scheduled maintenance probably isn’t covered by the automaker.
  • PRO/CON — history: You’ll need to check the car’s title history to make sure it hasn’t been in a serious accident or salvaged. Ask the dealership to provide this information, usually from Carfax.

 

Of course, whichever car you purchase, the important thing is that it’s a good fit for you. Bear in mind that certain makes and models can result in higher insurance costs for you, so feel free to check in with us before you buy.

Have fun shopping — and we’ll see you on the road!

The post New Car Buying appeared first on Select Source Insurance Group.

By Doug Stockman 10 May, 2024
As summer approaches and the call of the open road becomes irresistible, it's important to remember that safety should always be your top priority. Nearly 82% of American adults are planning to travel this year, which means roads will be busier than usual. Moreover, statistics show that more than 30% of all fatal crashes occur between June and August. To ensure you and your loved ones enjoy a safe and memorable driving vacation, Select Source Insurance Group has compiled a list of essential road trip safety tips. Plan Your Trip Carefully Before you set off, take some time to plan your route thoroughly. Check the weather conditions for your travel dates and make sure your vehicle is road-worthy. A pre-trip maintenance check to inspect your tires, brakes, fluids, and lights is crucial. These steps will not only reduce the likelihood of unexpected incidents but also enhance your overall travel experience. Buckle Up It might seem basic, but wearing your seat belt is one of the most effective ways to protect yourself in the event of a crash. Seat belts can reduce the risk of death for front-seat passengers by 45%. Make sure everyone in the vehicle, especially children, is properly restrained with seat belts or in appropriate car seats. This simple action could be the difference between a great adventure and a preventable tragedy. Avoid Fatigue Driving for long hours can be exhausting, and fatigue can significantly impair your reaction times. To combat this, take regular breaks to stretch and refresh yourself. If possible, share the driving responsibilities with another licensed driver. Getting a good night's sleep before starting your journey is also vital. Stay Alert Keep your focus on the road at all times. Pay attention to road signs, traffic signals, and the behaviors of other drivers. Avoid any distractions such as using your phone, eating, or adjusting the music while driving. Staying alert helps you react quickly to any unexpected situations, keeping you and your passengers safe. Look Out for Pedestrians and Bicyclists Summer weather brings more people outdoors, which means an increase in pedestrians and bicyclists, especially around urban areas, parks, and recreational spots. Keep an eye out for them and always yield the right of way when necessary. Be Prepared for Emergencies Always carry a roadside emergency kit equipped with essentials like water, non-perishable snacks, a flashlight, jumper cables, and a first aid kit. It's also a good idea to have emergency numbers programmed into your phone and keep a physical map on hand in case your GPS fails. Avoid Impaired Driving Never drive under the influence of alcohol or drugs. If you plan to indulge, make sure you have a designated sober driver or arrange for alternative transportation. Impaired driving is not only illegal, but it also puts your life and the lives of others at serious risk. By following these tips from Select Source Insurance Group, you're setting the stage for a safe and enjoyable summer road trip. Remember, taking a few precautions can make a big difference in ensuring your vacation is both fun and safe. Drive safely and enjoy the journey!
By Doug Stockman 09 Apr, 2024
With World Password Day right around the corner on May 2nd, it's a timely reminder that our digital lives are constantly under threat from cybercriminals. At Select Source Insurance Group, we believe that every day should be an opportunity to bolster your digital defenses, not just when the calendar prompts us. In this spirit, we're here to share some pivotal strategies and insights that go beyond the annual reminder to change your passwords. From embracing robust passphrase techniques to understanding the critical importance of regular software updates and the power of multi-factor authentication (MFA), our guide aims to fortify your online presence against the ever-evolving landscape of cyber threats. Embrace the Power of Passphrases Gone are the days of relying solely on complex, hard-to-remember passwords. Instead, we encourage you to leverage passphrases. What's a passphrase, you ask? It's a sequence of words or other text that is not only easier to remember but can also be much longer than the traditional password. This doesn't mean picking something predictable like "I love pizza," but something unique and meaningful to you that others couldn't easily guess. But here’s a pro tip: don't get too comfortable. Implement a regular schedule for changing these passphrases, especially for accounts that hold sensitive information. It's like changing the locks on your doors periodically; you never know who might have found a spare key. Double Down with Multi-Factor Authentication (MFA) In an age where a password alone doesn't cut it, Multi-Factor Authentication (MFA) adds an essential layer of security. MFA requires not just something you know (like a passphrase) but also something you have (such as a code sent to your phone) or something you are (like a fingerprint scan). However, not all MFA methods are created equal. While receiving a code via SMS is common, it's not the most secure method. Instead, consider using an authenticator app. These apps generate codes that are not only tougher for cybercriminals to intercept but also change every 30 seconds, making unauthorized access even harder. Stay Updated to Stay Protected Keeping your software up-to-date is like getting vaccinated to protect against the latest viruses – but in this case, it's your digital devices that need the protection. Cybercriminals love exploiting vulnerabilities in outdated software, so it’s crucial to keep your operating systems and applications current. Enabling automatic updates can take the hassle out of remembering to check for new versions, ensuring your defenses are always as strong as possible. Phishing: Don't Take the Bait Last but certainly not least, be wary of phishing attempts. These are unsolicited emails or messages that may look legitimate but are designed to steal your personal information or infect your devices with malware. The rule of thumb here is simple: if you didn't expect it, inspect it. Be cautious about clicking on links or downloading attachments from unknown or suspicious sources. As we celebrate World Password Day, let's commit to not only strengthening our own digital security but also encouraging those around us to do the same. At Select Source Insurance Group, we believe in empowering our clients and community with the knowledge to protect what matters most. Remember, in the digital world, your security is only as strong as your weakest link. Let's make sure that link is fortified.
By Doug Stockman 08 Mar, 2024
We all know that owning a car is a significant investment. Not only do you have to consider the initial purchase price, but there's also the ongoing cost of fuel, insurance, and maintenance to think about. But what if we told you that with a little bit of knowledge and some regular attention, you could save a significant amount on your car maintenance costs? At Select Source Insurance, we're not just about providing you with the best insurance options. We're also here to help you get the most out of your vehicle. So, buckle up as we take you through some cost-saving car maintenance tips that every car owner should know. 1. Regular Oil Changes: One of the most basic yet crucial car maintenance tasks is changing your oil regularly. Fresh oil lubricates your engine, reduces friction, and helps keep it running smoothly. Neglecting this can lead to engine damage, which can be costly to repair. 2. Tire Maintenance: Keeping your tires in good condition can save you money in several ways. Regularly checking your tire pressure can improve your car's fuel efficiency and prolong the life of your tires. Also, remember to rotate your tires every 5,000 to 8,000 miles to ensure even wear. 3. Brake Check: Brakes are one of the most critical safety features of your car. Regular brake checks can prevent expensive repairs and potential accidents. If you notice any squeaking or grinding noises when you brake, it's time to get them checked. 4. Regular Car Wash: Believe it or not, regularly washing your car can help maintain its value. Dirt and grime can damage your car's paintwork over time, leading to rust and other issues. A clean car is a happy car! 5. Battery Maintenance: A dead battery can leave you stranded. Regularly check your battery's terminals for any signs of corrosion and clean them if necessary. Also, keep an eye on your battery's age. Most batteries need to be replaced every three to five years. 6. Regular Check-ups: Just like us, our cars also need regular check-ups. Regular servicing can catch minor issues before they become major problems. It's a small investment that can save you a lot of money in the long run. Remember, the key to saving money on car maintenance is prevention. Regular maintenance not only keeps your car running smoothly but also extends its lifespan, saving you money on potential repairs and even a premature replacement. We hope you found these tips helpful. For more such insights, don't forget to follow and/or like our social media accounts. At Select Source Insurance, we're not just your insurance provider; we're your partner in ensuring you get the most out of your vehicle.
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