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Posts Tagged ‘Air Bags’

Fuel-Efficient Jetta TDI Saves Money at the Pump

0 October 22nd, 2010

In a time when anything under 2.20 gallon for gas is a bargain, those shopping for a new car are definitely comparing notes.

In fact, with gas prices at an all-time high and no sign of them taking a turn for the better anytime soon, more and more buyers are considering alternative fueled cars, like hybrids and diesel-powered automobiles.

This also is a good time for auto manufacturers to tout their fuel-efficient wares. And with the new 2005 Jetta TDI, Volkswagen is no exception.

Volkswagen’s newest model consists of an electronically advanced, high-tech TDI diesel engine – one that offers greater gas mileage with an even better overall performance.

While most drivers can expect to get anywhere from 15 to 25 miles to the gallon, the new Jetta TDI boasts an average of 35.5 miles per gallon in the city and 41.5 on the open road. This is enough to get you from Detroit to Washington, D.C. – more than 600 miles one way – without ever having to stop at a gas station.

Not a bad deal, the company says, for those looking to save a few pounds at the pump.

As with most new cars, the Jetta TDI is available in either the standard five-speed manual transmission or the optional six-speed automatic.

In addition, the car uses a brand new technology that allows the engine to run much more quietly, with more power and efficiency than its late 1970s and early 1980s counterparts.

As with most new cars, this newest Volkswagen is brimming with standard safety features like front, front-side, and side curtain air bags; ABS; crash active head restraints; and three-point seat belts for all passengers.

Specifically, the new Jetta TDI includes dual-zone automatic climate control, a six-disc, in-dash CD changer, heated front seats, cruise control and remote central locking.

Buying a Car Can Turn You Upside Down

0 July 9th, 2010

It’s expensive buying a car and it only gets more so as time goes on. Over time, the price of new cars has increased faster than the rate of inflation. This isn’t entirely due to greed on the part of automakers; cars are also more complicated and useful than they used to be. Sure, they were cheaper in the 1960’s, but they didn’t include air conditioning, air bags and video systems. Convenience and safety comes at a price.

With the increase in price comes an increase in the length of time people are taking to pay off their cars. Few people pay cash; most people take out loans and pay over time. The average car loan, which used to be repaid over a period of three years, now averages about six years in duration. That’s a long time to pay for a car, especially if you have no plans to own it for that long.

Taking six years to pay for a car has its advantages, as the payments are lower than they would be over a shorter loan term. Such a long loan does have a significant disadvantage, though – you can find yourself in a negative equity, or “upside down”, situation. This can be a serious problem – if you should total the car in an accident, your insurance company will only pay you the value of the car, and not the amount you still owe.

A buyer is described as being upside down when he or she owes more on a car loan than the car is worth. It’s easy to find yourself in an upside situation, and it can occur under any of the following circumstances:

Insufficient down payment – Cars depreciate as much as 25% the minute you drive them off of the lot. If you haven’t provided enough of a down payment to cover that depreciation, you may find yourself upside down immediately.

Trading in too often – Buyers like to trade cars in and roll their outstanding balance into a new loan. These unpaid debts can contribute to negative equity.

Too long a loan – Five and six year loans often lead to negative equity. You can often avoid it by keeping the length of loans to three years or less.

In order to avoid a potential problem in the event of an accident, you should contact your insurance provider to make sure that you have “gap insurance.” Gap insurance will make sure that you are protected should you have an accident while in an upside down situation. Without gap insurance, you may find yourself still making car payments even though you no longer have a car. That is the last thing any car owner wants.