The Code Behind Car Advertising
You likely see car advertisements all the time, on the Internet, while watching television, in the newspaper, and even through the mail. You also hear them on the radio. While they can sound exciting and potentially interesting, there is a code to such advertisements, one that most consumers don’t even begin to understand. Being fluent in this code can save you a lot of time, money and frustration, so read on for some insider tips on car advertising.
Sometimes, car dealers draw you in by promising to give you cash back on a new auto loan. In such a situation, you need to go over all of the fine print in the contract, which is something you should do anyway. Most contracts have verbiage that require the buyer to pay a minimum price for the vehicle to access the entire cash back amount. Oftentimes, such a ploy is used for car models that aren’t in super high demand, allowing dealers to move them off the lot and sticking you with a vehicle that doesn’t work for you. Always see in writing how you would get the cash back before you sign the contract.
Low Monthly Payments
Everyone wants low monthly payments on their car loan. Dealers know this, so they draw in shoppers by advertising that they’re offering just that, sometimes even saying that the monthly payment will be under a low dollar amount. The thing that you might not realize is that they aren’t figuring in the sales tax for the loan and its low monthly payment, which in turn will increase the amount to more than what is in the advertisement. If you read the fine print in such ads, such information will be divulged. Another trick is to advertise a low monthly payment, but in the fine print specify that a large down payment was factored into the equation.
No Money Down
One of the things you see all the time in car advertising is the phrase “no money down.” This declaration is enticing for those who really need or want a new car, but they aren’t flush with extra cash at the moment. Before you are bedazzled by such language, find out more about the car loan you would be assuming. By not putting any money down on the load, the bank might be charging higher interest because it views you as a bigger risk of defaulting. With a higher interest rate, you will end up paying more each month for the car, and in the end you will pay more money to pay off the car.
Zero Percent Interest
Another incredibly common ploy used to draw in car shoppers is the claim that the dealer is offering zero percent interest. Even if you receive something in the mail that claims you can get a loan for this basement interest rate, remain incredibly skeptical. A dealership would first have to run your credit to see if you would qualify for such a deal. Sadly, most of the population doesn’t have the credit score for it. Know your credit score before you enter the door. You also need to be aware that such a low interest rate usually does not last the life of a car loan. Instead, it is limited to only so many months, and then the rate goes up and so does your monthly payment. As long as you understand this going into the deal, you can prepared for what will happen later.
NDDOT Practice Tests – Now 1,000 Questions
Are you ready for your North Dakota instruction permit or operator’s license test? Research shows that nothing will help you better than the free online permit practice tests at driversprep.com! Our free online practice tests are designed as a basic reference for all drivers. They are excellent help to prepare for the written driver’s examination.
We have expanded our database with more questions and answers to cover all areas in the NDDOT Driver’s License Manual. The database currently holds more than 1,000 questions. You will not find this anywhere else. This large amount of questions gives enough variation to help you pass the exam without any worries. Unlike your friends you will enter the DMV office with complete confidence, knowing you will pass!
Start by getting and reading the North Dakota Driver’s Manual. All questions on your exam will be drawn from this book. The book will introduce you to traffic laws, rules of the road, and other safe driving practices. Never forget that becoming a safe driver is your main objective. Not the exam itself.
Best Use of Practice Tests
While some users jump to the permit practice test before reading the manual, it is not something we recommend. It is the combination of the manual and our free practice tests that will help you succeed. Use the tests to verify your new knowledge. When you miss a question (marked red) on a practice test, make sure you understand why. There is a short comment, usually based on the information in the manual. Make sure you read it. Trying to just memorize answers is not a good strategy.
The Written Exam
You don’t need an appointment to take the written examination or the visual screen test (but you must have an appointment for the road test). You will be allowed to take the written test up to one hour before noon (if the office closes for lunch) and one hour prior to closing. The fee for the written test is $5.00. Obviously, cheating is not allowed. You cannot have children, backpacks, purses, and electronic devices such as cell phones in the testing area. Make sure you know what documents to bring, you don’t want to be sent home because something is missing!
The test consists of 25 question and you must answer 20 questions correctly.
Practice Permit Test NY with New Questions!
Practice permit test for New York State just got better and easier with driver’s prep. The NY database has expanded from 500+ questions to more than 800 questions.
Many sites claim they can match our unique database with extensive driver’s education questions and answer. The simple fact is that they can’t – no other online site has more relevant questions and answers than driversprep.com.
» Start your free NY permit practice test now! »
Quality Permit Practice Tests
We do not just copy questions from other sources. We base all test questions and answers on thorough and careful research. Questions are always based on the information from your state’s division of motor vehicles or licensing department.
By being attentive to accuracy and detail, we can offer quality permit practice tests that will help you pass your knowledge exam with less frustration. With some proven pedagogical practices we try to make sure you just don’t memorize phrases, but actually expand your knowledge. We believe that real knowledge will help you become a better and safer driver.
Even if many question may be similar across states, like road sign questions, a great deal of our questions are exclusive and specific to just one, or a few, states. They are drawn directly from the state driver’s manual.
Other States Have at Least 600 Questions!
Currently, all of our state prep tests have at least 600 unique questions. New York practice tests contain more than 800 question. Florida and California have more than 1,000 questions.
This also make driversprep.com an ideal complement to any Driver Education course you may be mandated to take by your state’s rules.
How Many Questions Do You Need?
Everyone processes and learns new information in different ways. The number of questions and tests an individual may need will also differ.
Research, however, shows taking practice tests and spreading your studies over time work the best. In other words, using practice tests is a smart way to prepare for the real knowledge test so you can do your best on exam day. This is also why you need a resource like driversprep.com with many questions to get variety and repetition.
Read the Manual
Remember, all DMV exams are designed to verify that you have read the driver handbook or driver’s manual. Questions are drawn from all areas in the booklet.
Even if our prep tests cover everything in the driver’s manual, they should never be your main source of learning. Make sure you read the booklet published by your state department. It will give you a good overview of all items that may be covered on your test.
Questions That Are Not in the Manual
Now and then, we get mails from frustrated test takers that claim they got questions that were not in the manual. In most cases this is not true. The information is generally available in the manual. It may, however, not be spelled out in the same way as in the test question. That is why variation in your practice test is so important.
We have it, others don’t.
New Speed Limit in the City
As of November 7, 2014, the speed limit on all New York City streets is reduced from 30 mph to 25 mph unless otherwise posted. More than 3,000 30 mph signs have been replaced by new 25 mph signs around the city.
The new speed limit is part of the mayor Bill de Blasio’s traffic safety plan known as Vision Zero Action Plan. It aims to reduce traffic deaths and serious injuries involving pedestrians and drivers.
This is the first change in maximum driving speeds on New York’s streets in 50 years. The new regulation applies to all unmarked streets in New York City. It does not apply to those streets where a different speed limit is posted.
Streets and highways that have been designed to accommodate faster speeds will remain at 30 mph or above. Other streets, like streets near schools or where traffic calming measures have been implemented, may have a lower speed limits posted.
New York City is not the only city with a speed limit set at 25 mph. Around the world, cities like London, Paris, Berlin, and Tokyo, have a speed limit set at 25 mph or lower. Those lower limits have resulted in far fewer traffic deaths. Cities in United States with 25 mph include Los Angeles and Washington D.C
Why a Lower Speed Limit Needed?
Speeding is a factor in about 25% of traffic fatalities in New York City. It kills more New Yorkers than drunk driving and the use of cellphones behind the wheel put together.
Research shows that speeds at or below 25 mph improves drivers’ ability to avoid crashes. Both drivers and pedestrians have more time to see each other and to react. The small 5 mph decrease in city traffic speed means that many crashes can be avoided altogether.
It is important to understand that the speed of a vehicle directly impacts the likelihood of death for struck pedestrians. When struck by a vehicle traveling at 25 mph, pedestrians are half as likely to die as when struck by a vehicle traveling at 30 mph.
Ever since taking office, Bill de Blasio has argued that forcing motorists to slow down, even slightly, could save the lives of pedestrians. It is only five miles an hour less than the previous limit, but de Blasio is convinced that the simple change will have an important effect.
If you go between 10 and 30 mph over the speed limit, you may face fines ranging from $90 to $300. Penalties may also include jail time up to 15 days.
Will This Change Show Up on My Permit Test?
Several cities in New York State have speed limits less than 55 mph that is not always posted. This information is already available in the New York Driver’s Manual and not something new.
New York City is mentioned as one example and the following question appears in the New York Driver Handbook: If there is no posted speed limit, what is the fastest you can legally drive in New York City?
Obviously, this is something you must know if you plan to drive in New York City, and it is intended as general information for all residents in the state. A specific question like this is, however, not likely to show up on your final knowledge test. Just remember that if no limit is posted, you may never drive more than 55 mph (88 km/h) in New York State and that speed limits are not always posted.
Read more at nyc.gov
Auto Insurance Frauds are Surprisingly Common
The California Department of Insurance continues its effort to stamp out auto insurance frauds. During the first week of November, local district attorneys and local law enforcement served arrest warrants against 195 people for auto insurance frauds.
These people have been charged with 236 felonies and 43 misdemeanors.
“Unfortunately, this type of insurance crime is surprisingly common,” said Insurance Commissioner Dave Jones.
The Typical Auto Insurance Fraud
Over the last three years the California Department of Insurance has been successful in investigating all types of insurance crimes. There has been an increasing number of arrests made for individuals who have committed auto insurance frauds. Most cases involve drivers that are uninsured or under-insured. They purchase or add coverage after a crash occurred. They then file a claim in an attempt to get the insurer to cover the damage.
The Cost of Auto Insurance Fraud
According to Insurance Commissioner Dave Jones, insurance fraud is not a victimless crime. “It is an expensive drain on the state’s economy that totals into billions of dollars annually in California. The cost of these scams is passed along to consumers through higher rates and premiums – everyone pays for insurance fraud.”
On average, every customer pay $200 extra each year because of auto insurance frauds.
Bringing down the number of frauds will cut insurance premiums and benefit the average customer.
Could You Become a Victim of a Scam?
There are auto insurance fraud rings that stage accidents in which you can become an unwillingly victim.
You should always drive defensively. Leave enough space between yourself and the car ahead. If traffic appears to be moving freely and the car ahead suddenly stops with no explanation or cut in front of you, it is a warning signal. The driver may be trying to stage a collision.
With an expensive car you are more likely to be targeted. Simply because you are more likely to have a good insurance.
If you believe you have been involved in a staged crash, insist on filing a police report! Get the names and contact information for everyone involved – this includes the driver, passengers and witnesses. Take photos.
After the crash, contact your insurance company and the Department of Insurance. Give them all information, including your photos.
Your Auto Insurance
Make sure you are covered and learn more about how to shop for the best auto insurance in California:
- Visit www.insurance.ca.gov for tips about shopping for automobile insurance or call our consumer hotline at 800-927-4357.
- Always check the license status of an agent or broker before purchasing insurance. .
- Find out if you qualify for California’s Low Cost Auto Insurance by calling 866-602-8861 or visit www.mylowcostauto.com.