How to Lower Your Auto Insurance Costs: A Comprehensive Guide

Auto insurance is a necessity for every driver, but that doesn't mean you have to overpay for coverage. Many drivers are unaware of the various strategies and options available to reduce their auto insurance costs without sacrificing quality. In this article, we’ll explore practical steps you can take to lower your auto insurance premiums and keep more money in your pocket.

One of the most effective ways to lower your auto insurance costs is to shop around. Insurance rates can vary significantly between providers, even for the same coverage. It's recommended to obtain quotes from at least three different insurance companies to compare prices and coverage options. Many websites and tools allow you to compare quotes easily, providing a quick snapshot of potential savings.

When comparing quotes, make sure to look at more than just the price. Consider the coverage limits, deductibles, and any additional benefits or discounts offered by each provider. Sometimes, a slightly higher premium may be worth it if it includes better coverage or additional perks.

Your deductible is the amount you pay out of pocket before your insurance coverage kicks in after an accident. By opting for a higher deductible, you can significantly lower your monthly premium. For example, increasing your deductible from $250 to $1,000 could save you up to 40% on your premium.

However, be sure that you can afford to pay the higher deductible in the event of a claim. If you rarely file claims and have a good driving record, a higher deductible could be a smart way to save on your insurance costs.

Insurance companies offer a variety of discounts that can help lower your premium. Some common discounts include:

Safe Driver Discount: If you have a clean driving record with no accidents or traffic violations, you may qualify for a safe driver discount.

Multi-Policy Discount: Bundling your auto insurance with other types of insurance, such as home or renters insurance, can lead to substantial savings.

Good Student Discount: Students who maintain good grades may be eligible for discounts on their auto insurance.

Low Mileage Discount: If you don’t drive your car frequently, you could qualify for a low mileage discount.

Defensive Driving Course Discount: Completing a defensive driving course can reduce your insurance costs, especially if you’re a new or young driver.

Ask your insurance provider about all the discounts they offer and ensure you’re taking advantage of any that apply to you.

Your credit score can have a significant impact on your auto insurance premium. Insurance companies often use credit-based insurance scores to help determine the likelihood of a policyholder filing a claim. Drivers with higher credit scores tend to pay lower premiums, while those with lower scores may face higher rates.

To improve your credit score, pay your bills on time, keep your credit card balances low, and avoid opening too many new credit accounts in a short period. Regularly checking your credit report for errors and addressing any discrepancies can also help boost your score.

A clean driving record is one of the best ways to keep your insurance costs down. Avoiding accidents, traffic violations, and claims will help you maintain a low premium over time. Many insurance companies offer accident forgiveness programs that prevent your premium from increasing after your first at-fault accident, so inquire if your provider offers this benefit.

Defensive driving habits, such as obeying speed limits, avoiding distractions, and anticipating potential hazards, can help you stay safe on the road and keep your insurance rates low.

While it’s important to have adequate coverage, you may be paying for more insurance than you actually need. Review your policy and consider whether you can adjust your coverage limits or drop certain optional coverages to save money.

For example, if you drive an older car, you might consider dropping collision and comprehensive coverage if the cost of the coverage exceeds the value of the car. However, be cautious when reducing coverage to ensure you’re still adequately protected in the event of an accident.

Many insurance companies offer discounts to customers who bundle multiple policies together. If you have homeowners, renters, or life insurance, consider purchasing them from the same provider as your auto insurance. Bundling can lead to substantial savings on all of your policies, making it a cost-effective option.

If you have an older vehicle that’s paid off, you might not need full coverage, which includes comprehensive and collision coverage. These coverages pay for repairs or replacement if your car is damaged in an accident or stolen, but if your car’s value is low, the cost of the coverage might not be worth it.

You can use the money saved from reducing or eliminating this coverage to invest in a new vehicle or other financial goals.

Equipping your car with safety features and anti-theft devices can lower your insurance premium. Features such as anti-lock brakes, airbags, and electronic stability control reduce the risk of accidents, making your vehicle safer and less expensive to insure.

Anti-theft devices, such as car alarms, steering wheel locks, and GPS tracking systems, can also reduce the likelihood of theft, which insurance companies reward with lower premiums.

Insurance needs can change over time, so it’s important to review your policy annually to ensure you’re getting the best deal. Life events such as buying a new car, moving, or adding a driver to your policy can all impact your insurance costs. Regularly checking your policy allows you to adjust coverage as needed and take advantage of any new discounts or savings opportunities.

Lowering your auto insurance costs doesn’t have to be difficult. By shopping around, increasing your deductible, taking advantage of discounts, and maintaining a good driving record, you can significantly reduce your premiums. Regularly reviewing your policy and adjusting coverage to fit your current needs will help you keep your insurance costs low while ensuring you have the protection you need on the road.

The Future of Transportation: Electric Cars

Electric cars (EVs) have emerged as a major player in the global push towards a more sustainable future. With environmental concerns, fluctuating oil prices, and technological advancements, EVs are no longer a niche product but a rapidly growing sector within the automotive industry. Governments, automakers, and consumers are increasingly turning to electric vehicles for their benefits, which range from reduced emissions to lower operational costs. Let’s explore why electric cars are gaining momentum and what the future holds for this technology.

The Environmental Case for Electric Vehicles

One of the most significant advantages of electric cars is their environmental impact. Traditional internal combustion engine (ICE) vehicles rely on gasoline or diesel, both of which contribute to air pollution and greenhouse gas emissions. EVs, by contrast, run on electricity, which can be generated from renewable sources like wind, solar, and hydroelectric power.

EVs produce zero tailpipe emissions, which means they help reduce smog and improve air quality, particularly in urban areas where pollution tends to be concentrated. Moreover, as the global energy grid continues to shift towards renewable sources, the overall carbon footprint of electric vehicles will decrease even further.

In regions where coal and other non-renewable energy sources are still prevalent, the environmental benefits of EVs may be less pronounced. However, studies show that even when powered by electricity from fossil fuels, EVs still emit fewer pollutants over their lifetime compared to gasoline-powered cars.

Another compelling reason for the rise of electric vehicles is their cost-effectiveness in the long run. While EVs often have a higher upfront cost compared to their gasoline counterparts, this is quickly offset by savings in fuel and maintenance.

Electricity is generally cheaper than gasoline, and the price is much more stable. EV owners can also charge their cars at home during off-peak hours, further reducing the cost per mile. In terms of maintenance, electric vehicles have fewer moving parts than internal combustion engine cars. There are no oil changes, fewer fluids, and less wear and tear on components such as brakes, thanks to regenerative braking systems. These factors significantly reduce the long-term cost of owning an electric car.

Electric cars offer a driving experience that is often superior to traditional vehicles. EVs deliver instant torque, which results in rapid acceleration and smooth power delivery. Many electric cars can go from 0 to 60 mph in under six seconds, rivaling or even surpassing some sports cars.

Another notable advantage is the quietness of electric cars. Without the noise of an internal combustion engine, EVs are much quieter on the road, providing a more serene driving experience. For city dwellers, this translates to a more peaceful environment, both inside and outside the vehicle.

Electric vehicles are also more efficient in terms of energy usage. While internal combustion engines waste a significant portion of energy as heat, electric motors are highly efficient at converting energy into motion. This makes EVs not only environmentally friendly but also highly efficient in terms of energy consumption.

Range Anxiety and Charging Infrastructure

One of the main concerns that potential EV buyers have is range anxiety—the fear that the car will run out of power before reaching a charging station. Early electric cars had limited ranges, often between 60 to 100 miles on a single charge, which was not sufficient for long trips. However, modern electric cars have significantly improved in this area, with many models offering ranges of 200 to 400 miles per charge.

Despite these advancements, charging infrastructure remains a challenge in some regions. While countries like Norway and the Netherlands have built extensive networks of charging stations, other areas are still lagging behind. The good news is that many governments and private companies are investing heavily in expanding the EV charging infrastructure, making it easier for drivers to find a charging station.

Fast charging technology is also evolving. With the latest advancements, some EVs can be charged up to 80% in 30 minutes or less, reducing the time it takes to recharge during long journeys.

Governments around the world are playing a critical role in promoting the adoption of electric vehicles. Many countries offer financial incentives to buyers in the form of tax credits, rebates, or reduced registration fees. These incentives help offset the higher upfront cost of EVs, making them more accessible to the general public.

In addition to consumer incentives, some governments are implementing stricter emissions regulations, pushing automakers to invest more in electric vehicle technology. In Europe, for example, the European Union has set ambitious targets for reducing CO2 emissions from cars, which has led to a surge in EV production.

Some cities are even considering bans on gasoline and diesel vehicles in the coming decades, further encouraging the shift towards electric mobility. Such policies, combined with increasing consumer awareness about environmental issues, are accelerating the transition to electric vehicles.

The electric vehicle industry is expected to grow exponentially in the coming years. According to various reports, EVs could account for more than 50% of all new car sales globally by 2040. This growth will be driven by continued advancements in battery technology, which will lead to longer ranges and shorter charging times.

Autonomous driving technology is also likely to play a significant role in the future of electric cars. Many automakers are developing self-driving electric vehicles, which could revolutionize the way we think about transportation. Imagine a future where fleets of autonomous EVs provide on-demand transportation, reducing the need for personal car ownership and cutting down on traffic and emissions.

Electric cars represent a transformative shift in the automotive industry. With their environmental benefits, lower operational costs, and improved performance, they offer a compelling alternative to traditional gasoline-powered vehicles. As battery technology continues to advance and charging infrastructure expands, electric vehicles are poised to become the dominant mode of transportation in the near future. Whether you’re looking to reduce your carbon footprint, save on fuel costs, or enjoy a smoother driving experience, the rise of electric cars offers exciting possibilities for the future of transportation.

How To Find The Perfect SUV in Today's Competitive Vehicle Market

In the market for a new SUV? If so, now's your chance! You can get luxury SUVs at an affordable price online. Start your search online today for the perfect SUV. 

SUV deals have taken a dip over the past year, though savvy bargain hunters can still find some great deals. In fact, it's an excellent time for bargain hunters to find SUV deals for as low as $300 a month! Keep reading to learn more about the best SUV deals right in 2022.

How You Can Save Thousands of Dollars on a new SUV

One of the easiest ways to save money when leasing is to opt for a sub-compact SUV. Sub-compact SUVs are the smallest segment of crossover SUVs, which means they're perfect for drivers who want to get around town easily while still enjoying the luxury of an SUV vehicle. There are many great subcompact SUV deals on the market right now, including:

You can currently lease the 2022 Hyundai Venue for just $159 per month for 36 months, with $2,899 due at signing. This attractive SUV boasts great fuel economy, roomy interiors, and many tech and safety features as standard — perfect for the SUV driver on a budget.

Right now, you can get a Mazda CX-30 on lease for just $199 per month for two years with an upfront payment of $2,999. If you like sporty SUVs with great handling, you'll love the Mazda CX-30. It's fun to drive and offers plenty of standard tech and safety features.

Looking for a comfortable ride with tons of user-friendly tech features? You're in luck! The Subaru Crosstrek is currently available for $245 a month over 36 months with an initial payment of $2,445. Featuring spacious seating, a generous trunk, and all-wheel drive as standard, this sub-compact SUV has everything you need. 

If you want a combination of affordability and practicality, check out the market's latest compact SUVs. A compact SUV is a small sports utility vehicle that's larger than subcompact SUVs but smaller than mid-size SUVs. There's no shortage of great compact SUV deals on the market today, including:

If you value your family's safety, you'll love the myriad of safety features that come as standard in the Mazda CX-5. Plus, with its sleek interior and athletic handling, this compact SUV is perfect for long drives and hopping around town. The Mazda CX-5 is currently available starting from $260 a month for 24 months with an initial payment of $2,999.  

Want a brand new SUV but don't want to find a downpayment? We've got you covered! Right now, you can get a Chevrolet Equinox for $341 per month for 24 months with zero down payment! 

If you value your space, you'll love the 2022 Subaru Forester's roomy interior. Starting at just $255 per month for 36 months with $2,515 due at signing, this compact SUV offers the perfect mix of spacious seating and impressive fuel economy. 

If you have a growing family and need a little more space than a compact SUV, don't worry! There are great deals to be had on mid-size SUVs too! Offering a mix of versatility, style, and space, here are some affordable midsize SUVs currently on the market:

Enjoy the spacious, upscale interior of the Hyundai Santa Fe for just $269 per month for 36 months, with a down payment of just $3,899. Featuring adaptive cruise control, blind-spot technology, and excellent gas mileage, the Hyundai Santa Fe is a driver favorite.

The 2022 Mazda CX-9 offers style, class, and great handling all-in-one modern SUV. Starting at just $319 per month for 24 months with a downpayment of $3,499, this mid-size SUV is as affordable as it is agile. 

Right now, you can get the Kia Sorento for low monthly payments of $309 for 26 months with an initial payment of $3,499. After a total redesign for the 2021 model, the Kia Sorento now boasts an upscale interior, a state-of-the-art infotainment system, and great fuel efficiency.

Don't get left behind! Start your search for a top-of-the-range SUV online today. Whether you want a stylish mid-size SUV with excellent handling or a compact SUV with great fuel economy, start your search to find the perfect SUV now. 

How To Save Big Money on New Tires Both Online and In-Store

Do you need new tires for your vehicle? Find cheap tires online and in-store today while keeping more money in your pocket.

Tires are expensive. The good news? Hot deals and thrifty shopping make them a lot more affordable. Coupons, rebates, and promotional offers are abundant from manufacturers to retailers. If you're looking to save money on tires, keep reading to learn more about how you can save big bucks on new tires online and in-store. 

Look Out For Manufacturer Deals & Rebate Offers

Sometimes in life, it doesn't pay to go with the cheapest option. Good quality tires can last many years and improve your gas consumption. Generally, tires cost similar prices across retailers. The key to finding the best deals is to look out for deals and rebate offers. For example, many manufacturer websites offer rebates and tire coupons helping you to save big bucks. 

Manufacturers such as Goodyear.com and Michelin.com, offer promotions on their websites. For instance, if you buy tires from one of their approved dealers, you can submit a request for the available rebate deal online, saving some much-needed cash. 

Discount Tire offers some of the lowest-priced tire options on the market. In fact, they even have a price match guarantee, where they match any other retailer's price for tires or installation! So, if your preferred retailers run out of stock on their offer, simply show Discount Tire their offer, and you can take advantage of the deal anyway!

The easiest way to make this deal is to head to DiscountTire.com, and click the "Found it Lower?" button on your chosen tire's listing. Here you can enter your information and find your price match online.

In addition, Discount Tire also offers other savings such as mail-in rebates and pre-paid cards to be used towards their products. Please note: some offers require that you pay for your purchase with a Discount Tire credit card. However, there are many offers that do not require the use of Discount Tire's card. For examples:

It may seem like common sense, but you should choose your tires based on the local climate. There are three main tire types, including winter tires, summer tires, and all-season tires. The majority of people opt for all-season tires as that's the simplest option; however, if you live in a climate that experienced harsh winters or difficult terrain, it's important to choose tires that can handle the challenge. If you fail to choose the correct tire type, you might have to replace them sooner, leading to more costs in the long term.

Find The Cheapest Tire Installation Price

Finding the best deal on quality tires isn't as simple as comparing prices on the tire itself. Many people forget to include the installation in their calculations. If you purchase your tires directly from the retailer, Walmart is the cheapest place to go for installation. Currently, Walmart is offering tire installation starting from $10 per tire. The big advantage of Walmart is that they will also install tires that you purchase from a different retailer; however, you should note that the cost increases to $25 per tire for installation. 

A manufacturer's warranty covers any manufacturer defects a tire may have. Manufacturers' warranties are essential as they help to protect you from out-of-pocket costs due to tire defects. However, there is also another warranty that is important — a Road Hazard Warranty. The Road Hazard Warranty covers accidental damage to your tires, for example, if you run over a nail or pop a tire due to debris in the road.

Manufacturers that include a road hazard warranty in their installation price include Costco and Sam's Club. If you would like a road hazard warranty for your tires at Walmart, you will be charged an additional $10 per tire. This also includes a warranty on the first 25% wear of your tire, meaning if your tires are 25% or less worn down, you'll receive a replacement tire if Walmart cannot fix your tire. The best part about this warranty is that it doesn't matter how many years you've had your tires; your warranty is valid! 

If you need new tires for your vehicle, start your search online today to find the best deals and rebates. 

​​Looking For an Auto Loan? Here's The Perfect Loan For Imperfect Credit

Did you know that you can drive off in the car of your dreams, even if you have imperfect credit? Keep reading to learn more about how you can find the best auto loans for people with bad credit. 

Purchasing a new car can also be a stressful experience, especially if you've been rejected for an auto loan in the past. Many people believe that you can't get an auto loan if you have bad credit, but that's simply not true. Anyone can apply for a car loan, even if they have imperfect credit! Whether you have a low credit score due to short credit history, or poor credit from mishandling your financial affairs, there is an auto loan out there for you — in fact, you might be surprised at how low your monthly payments can be! Keep reading to learn more about the best auto loans for people with poor credit. 

Capital One offers auto-financing for new or used cars to over 12,000 car dealerships across the USA — and this even includes consumers with less than stellar credit scores. If you have bad credit, you can benefit from Capital One's pre-qualification auto loan process. Choosing to check your eligibility with pre-qualification means that you can avoid taking a hit on your credit report. This means you don't have to worry about damaging your score while shopping around for the best loan rates. In addition, Capital One also offers an Auto Navigator tool that gives you an instant comparison list for potential car payments and loan interest rates.

You cannot finance car sales through private sellers 

The loan amount must be a minimum of $4,000

Auto Credit Express is dedicated to providing "Hassle-Free Auto Financing" by making it fast and easy to find the best auto financing for your needs — no matter what your credit score is. In fact, they'll even provide auto loans to people who have experienced bankruptcy or have a credit score below 625! Use Auto Credit Express to find the best loan to match your needs and finance any new or used car at the car dealership of your choice. 

One important thing to note is that if your credit score is lower than 625, you must have gross monthly earnings of at least $1,500 to qualify for a loan with Auto Credit Express.

Older model vehicles are accepted for financing

You can purchase through a traditional dealer or special finance dealership

Vehicles purchased through private sellers are not eligible.

 Applying for an auto loan with a low credit rating can be challenging. Many lenders will deny your application or offer unfavorable terms, such as a high-interest rate. Fortunately, MyAutoLoan.com is willing to work with your credit situation to get you a great deal. In as little as 2 minutes, myautoloan.com can find you several different lenders and loan options to choose from. 

To qualify for an auto loan through MyAutoLoan.com, you must have a monthly income of at least $1800. In addition, your credit report should be free from bankruptcies, and the car you'd like to finance should be no older than ten years old. To determine your potential APR, check out the interest rate calculator on the myautolaon.com website.

Fast and easy process — apply in as little as two minutes

Car purchases from private sellers are eligible for financing

Your personal information is shared with lenders

If your vehicle is an older car with high mileage, your loan may not be approved

Making a car purchase is a dream come true for many people, but it can be stressful too! Especially when you're trying to finance your vehicle with less than stellar credit. Finding the best lenders to finance your dream car can be a challenge for people with bad credit scores or limited credit history. Fortunately, if you're willing to do a little research online, you can find great deals on your next auto loan online. Use the recommendations above to start your search for a new auto lender today and make your dream of buying a new vehicle a reality!

Check Out The New 2022 Dodge Ram Lineup

Dodge Ram vehicles are known for their impressive capabilities, and the 2022 lineup is no exception. Find the best Ram pickup deals online today. 

It's not hard to see why Ram trucks are some of the most popular in America: They seamlessly blend capability, power, and luxury. The Dodge Ram lineup consistently delivers a smooth, robust, and reliable drive. Here is everything you need to know about the new 2022 Dodge Ram Lineup. 

Starting from just $35,900, the Dodge Ram 1500 perfectly merges luxury styling and performance with affordability. Plus, right now, if you finance your Ram 1500 Big Horn or Laramie Crew Cab Model through Chrysler Capital, you can get 0% APR for 60 months and no monthly payments for 90 days!

The Dodge 1500 comes in an option of one of five engines, ranging from 3L and 260 horsepower to a whopping 6.2L and 702 horsepower! In addition, the towing capabilities go up to an impressive 12,750lb and up to 2300lb of maximum payload. But don't let the size fool you; the Dodge 1500 is no slowpoke! If you opt for the Supercharged 6.2L Hemi V8 engine option, you can expect to go 0-60 in just 4.5 seconds! 

When it comes to fuel efficiency, the Dodge Ram can hold its own too. For city driving, you can get a 20 mpg average with a V6 engine. However, if you're looking for the most fuel-efficient option, be sure to go for the EcoDiesel engine. 

There's plenty of space in the 2022 Ram 1500 cabin. Long drives are made a little easier by the roomy interior and heated and ventilated reclining rear seats. The new 12-inch touch screen features an updated user interface and driver-friendly turn-by-turn navigation, so you never have to worry about getting off track. Like a soundtrack to your road trips? You'll love the Harman Kardon Premium Audio option, featuring 900-watt speakers for exceptional listening. 

In addition, the Ram 1500 comes with several safety features as standard, including Electronic Stability Control, 360 Surround View Camera, Blind Spot Awareness, Forward Collision Warning, Rear Cross Path Detection, and six airbags — so you have peace of mind on the road! 

Dodge has revamped the heavy-duty Ram 2500 for a super-comfortable and resilient ride. Starting from just $40,865, the Ram 2500 offers impressive capability at an affordable price. Right now, Chrysler Capital is offering 0% APR on 2022 Ram 2500 models. 

Ram is never short of impressive engine power, and the 2500 is no exception. The 6.7L Cummins Turbo Diesel I6 engine offers outstanding towing capability and responsive performance. Tow up to 20,000lbs with the 270 horsepower engine and experience the low-noise, super-efficient ride. Alternatively, opt for the 6.4L Hemi V8 engine with 410 horsepower and a towing capability of up to 17,540. 

Effortless acceleration is just one of the impressive performance abilities of the Ram 2500. Plus, it's fuel-efficient, averaging 32 MPG around town. 

Every aspect of the Ram 2500 was designed to make driving a pleasure. Enjoy the cleanest cabin air ever with the innovative air system that filters 95% of air particulates, including dust, droplets, smoke, and aerosols. Plus, there's an updated user face and personal entertainment center featuring a customizable home screen, dual phone connectivity, and connected service updates. 

Safety features include forward-collision warning, 360 surround-view camera, blind-spot monitoring, and crisp LED lighting that adapts to all conditions. 

The 2022 Ram 3500 is a top-of-the-range truck that boasts impressive off-road handling. As with Ram's other offerings, the 2022 Ram 3500 is currently available for 0% APR financing if you finance through Chrysler Capital. 

The 2022 Ram 3500 comes in three engine options: a 6.4 Hemi V8, 6.7L Cummins Turbo Diesel I6, and 6.7L High-Output Cummins Turbo Diesel I6 option. The 6.4 Hemi V8 engine has 410 horsepower and produces an impressive 429 pound-feet of torque. If you need to tow some serious weight around, don't worry! The Ram 3500 has a towing capability of up to 37,090!

Despite its incredible power, the Ram 3500 offers a quiet and comfortable ride. Passengers will appreciate the spacious cabin and cargo space. This truck also features an interior active noise cancellation system to block out the distractions of the road and an air filtration system.

Many safety features come as standard and include blind-spot monitoring, adaptive cruise control, enhanced visibility features, LED trailer hitch light, 15-degree turning headlamps, and a 360-degree surround-view camera. 

The 2022 Dodge Ram lineup is full of amazing features and impressive capability. If you're looking for a new pickup truck, start your search online today for the best deals! 

​​How to Get a Car Loan With Bad Credit

Even if you have bad credit, it's possible to find an auto loan. Keep reading to find out how you can get a car loan with bad credit. 

Did you know that even people with bad credit can still get a car loan? Of course, you may have to spend time researching your options if you want to find the best interest rates. If you're in the market for a new car but have bad credit — don't worry! Keep reading to learn more about how you can get a car loan even with bad credit. 

Before applying for car loans, it's a good idea to find your credit score and what you're working with. There are several different credit scoring methods; however, FICO and VantageScore are the two most commonly used. Scores range from 300 to 850; however, each scoring model has its own version of credit tiers. As a general rule of thumb, the higher the score, the better interest rates and offers you're more likely to receive. If your credit score is below 600, you're more likely to be viewed as risky by lenders and be charged higher interest rates. 

There are many ways that you can get your credit report for free. Websites such as NerdWallet offer free credit reports, or you can sign up for a paid service that regularly checks your credit. These services can be helpful, as they alert you if someone applies for credit in your name.  

Once you know your credit score, you have a starting point. If you notice any errors on your report, you can also request that they are corrected. 

Before they approve your auto loan, lenders want to know that you can afford to make your payments on time and won't default on your loan. To help determine this, they may consider previous loans you've taken out and look at your payment history. If you paid on time and didn't default, they're more likely to approve your loan. On the other hand, if you have a repossession on your payment history, they're unlikely to approve your loan. 

To approve your loan, a lender may request some of the following:

Proof of income: Pay stubs that state your earnings can help provide a lender with proof of income. Ideally, lenders want to see a single source of steady income through regular employment. Some lenders will also consider additional sources of income, for example, child support, Social Security, and disability payments. 

Debt-to-income ratio (DTI): Debt-to-income ratio is calculated by taking your monthly financial obligations and dividing the total by your gross pay. You may have difficulty finding a lender if your DTI is over 45%. However, if you've paid off credit accounts and they're lower than your credit report suggests, be sure to provide evidence of this.

Low credit utilization: Lenders like to see borrowers using 30% or less of their available credit. If your credit usage is higher than this, you may have trouble obtaining a loan.

Payment history: How long you've had an active credit history, plus your history of making payments, also affects the lender's decisions when approving an auto loan. If you have any late payments in your history, it's essential to be able to explain why.

The less you borrow, the less risk you are to your lender if, for any reason, you default on your loan payment. If you have the ability to reduce the amount you borrow, you can improve your chances of receiving loan approval. 

Some ways to help you borrow less include: 

Making a larger down payment: Most lenders require some sort of downpayment. Putting down a larger down payment reduces the amount you have to borrow and also lets the lender know you're financially committed.

Trade-in your existing car: If you have a car to trade in, you may be able to reduce the amount of money you need to finance. Be sure to discuss your options with your lender. 

Comparing Lenders to Get the Best Auto Loan

Regardless of your credit score, comparing lenders' terms and conditions is always a good idea. Getting pre-qualified with multiple lenders can put you in a great position to get the best deal. Be sure to search online and find lenders who approve loans for people with bad credit. 

If you find you can't get approved for an auto loan due to your bad credit, or the rates are simply unaffordable, it may make more sense to postpone until you can improve your credit score. Repairing your credit can make a huge difference in whether you're approved and the interest rate you're offered. With hard work and dedication, you can typically improve your credit in six to 12 months with consistent on-time payments and keeping your revolving credit usage low. 

Start your search online for bad credit auto loans today and find great rates with flexible lenders!

Here's Why People Love The 2021 Jeep Lineup

Jeep is offering major discounts on remaining 2021 models. Save big on a 2021 Grand Cherokee, Wrangler, Gladiator, or another Jeep model.

If you've always dreamed of owning a Jeep, you're in luck! Right now, Jeep is offering huge discounts on unsold 2021 models! Whether you need great towing ability from the Jeep Wrangler or a seamless driving performance from the Cherokee, if you're in the market for a new Jeep, take a look at these current offers to see where you can save hundreds of dollars!

You already know Wranglers are great off-road, but what else do you need to know about the 2021 model? Starting at $30,695, it is available in eight-speed automatic transmission and 6-speed manual transmission, making it impressively speedy! If you're looking for power, opt for the manual 2L turbocharged 4-cylinder engine, which will get you 270 horsepower and 295 lb-ft of torque. Need something with a little more "oomph"? Check out the diesel engine option for an upgrade to 442 lb-ft of torque. Concerned about fuel efficiency? Don't worry! The diesel engine gets an average of 22 mpg city and 29 mpg on the highway. 

If you love the traditional Jeep interior, you'll appreciate how the 2021 Wrangler seamlessly blends vintage Jeep style with modern practicality. This SUV can cover every activity you enjoy with plenty of space for family, shopping, and sports equipment! Plus, the iconic design enables you to remove the doors and roof for the ultimate Wrangler experience!

Whether you're cruising the highway, driving around town, or tackling rugged terrain, the 2021 Jeep Wrangler covers it all. With responsive steering and improved handling, it provides a safe, smooth drive. Plus, with its off-road capabilities and impressive power, you'll be ready for rugged terrain too!

Starting at $33,545 MSRP, the 2021 Jeep Gladiator is a far cry from the frontier trucks of old, but it's rugged and stylish enough for almost any task. Featuring a 5-foot cargo bed and stretched wheelbase, the 2021 Jeep Gladiator promises to deliver an impressive outdoor performance that's hard to match. Plus, it's roomy for passengers and provides generous legroom and headroom for taller occupants.

Featuring a standard 285-horsepower, 3.6-liter V-6 engine, you can opt for an eight-speed automatic transmission or six-speed manual. In addition, there is a newly available optional turbo-diesel V-6 engine with an eight-speed automatic transmission.

The 2021 Jeep Gladiator has everything you need for a smooth and productive ride. Standard features include a push-button start, folding soft-top, removable doors, air conditioning, and cruise control.

If you want to upgrade your ride, other available features include:

Oversized 8.4-inch touchscreen infotainment system

Safety features such as blind-spot warning and automatic emergency braking

The 2021 Jeep Cherokee is the ultimate all-rounder vehicle. Perfect for a family getaway and off-road trail experiences, this modern SUV has everything you need to get around in style. 

Starting at $27,890 MSRP, the Grand Cherokee comes in two standard options: 3.6-liter V-6 or 5.7-liter V-8. If you need more power, opt for one of the 6.4-liter or supercharged 6.2-liter V-8 performance models! The V-8 performance model is spectacularly impressive, providing 360 horsepower and 390 lb-ft of torque.

Featuring a specialized AWD system and sports-tuned suspension, petrol heads will appreciate the high-performance, powerful acceleration, and enhanced handling ability. Plus, newly standard safety features make the Grand Cherokee safer than ever. This Jeep makes it easy to stay safe on the road, featuring a forward collision warning, automatic emergency braking, lane assist, lane departure warning, and blind-spot warning. Wherever your journey takes you, the Jeep Grand Cherokee ensures you'll never have to compromise.

Standard features of the 2021 Jeep Cherokee include:

The 7-inch touchscreen infotainment system

Apple CarPlay and Android Auto compatible

When you're in the market for a new car, you want to find the best deal possible. Even if you're not prepared to order a new car right this minute, it pays to research your options and compare different vehicles. Finding new 2021 Jeep SUVs online doesn't have to be challenging. Pricing on 2021 Jeep models fluctuates over time because of new features or incentives. However, you can save thousands of dollars on unsold Jeep vehicles right now! Start your search online today to find the cheapest 2021 Jeep deals!

Here's Why SUV Enthusiasts Love The 2022 Jeep Grand Cherokee

The Jeep Grand Cherokee is one of the most popular SUVs in America, but did you know it's also one of the most affordable? Start your search online today for a brand new 2022 Jeep Grand Cherokee. 

Jeep has been producing high-end, reliable SUVs for decades. The 2022 Jeep Grand Cherokee strikes the perfect balance between style and utility. Suitable for zipping around town, long road trips with the family, and exciting off-road trails, this SUV has everything you need for life's best experiences. 

If you've always dreamed of owning a Jeep Cherokee but aren't sure if it's the right vehicle for you, don't worry. Keep reading to hear why the 2022 Jeep Grand Cherokee is the perfect car for SUV enthusiasts. 

The 2022 Grand Cherokee starts at $38,720 for the base model, with the price increasing up to $67,175 for the 2022 Grand Cherokee L Summit Reserve 4X4. Right now, you can lease a Grand Cherokee for $479 a month for 39 months, with a $2,999 down payment due at signing. Alternatively, current competitive owners and lessees can get a $1,750 bonus cash! 

2022 Jeep Cherokee Performance Specifications

The 2022 Grand Cherokee offers plenty of trim and upgrades options. Car enthusiasts will love the performance and efficiency of the 3.6L Pentastar® V6 Engine. Boasting an impressive 293 horsepower and 260 lb-ft of torque, this capable SUV is perfect for all of your everyday needs. 

Want something with a little more muscle? Check out the 5.7L Hemi V8 engine. The 390 lb-ft of torque capability and 360 horsepower make it perfect for towing up to 7,200 pounds. 

If you're an adventurer who loves the outdoors, you'll enjoy the Trailhawk. It has a low gear range to tackle rough terrain and rugged extras like air suspension and heavy-duty skid plates.

Regardless of what Grand Cherokee model you opt for, you can be certain you'll get high-performance and great acceleration. Plus, the Grand Cherokee comes with plenty of high-tech features as standard, including a specialized AWD system and quadra-lift suspension.  

The 2022 Jeep Grand Cherokee averages up to 26 mpg driving on the highway and 19 mpg zipping around the city. If you appreciate excellent fuel economy, you'll appreciate the fuel-saving technology automatically deactivates four cylinders when not in use for added gas efficiency. 

The 2022 Jeep Grand Cherokee has over 110 standard and available safety features that help provide a reliable, safe drive, including:

Active Driving Assist: uses radar and sense to keep you on the right track

Adaptive Cruise Control: automatically adjusts driving speed for a smooth cruise

Surround View Camera: a 360º Surround View Camera provides an aerial view of the vehicle

Blind Spot Monitoring: to alert you of vehicles in your blindspot

Night Vision: uses thermographic technology and infrared sensors to scan for pedestrians and animals 

Drowsy Driver Detection: tracks vehicle movement and driver reactions to alert

Parallel Parking Assist: recognizes open parking spaces and assists with parking

Traffic Sign Recognition: to identify speed limit and common traffic signs

2022 Jeep Cherokee Entertainment Features

The new Grand Cherokee is packed full of state-of-the-art entertainment technology. An available 10.1-inch Uconnect touch screen is both user-intuitive and customizable. Featuring Apple CarPlay and Android Auto capabilities, simultaneous dual-phone connectivity, and a wireless charging pad, the Cherokee infotainment center is second to none. 

If you like to listen to podcasts or enjoy a soundtrack on your trips, you'll love the sound quality of the Harman Kardon premium audio system. Featuring 19 speakers and a 10-inch subwoofer, the 2022 Jeep Cherokee sound system is sure to impress. 

The 2022 Subaru Outback gives the Grand Cherokee a run for its money in terms of off-roading and fuel efficiency; however, its dull and predictable styling fails to live up to the Grand Cherokee. In addition, if you need a vehicle that has a high towing capacity, the Subaru Outback likely won't meet your needs. 

Both the Grand Cherokee and the Toyota 4Runner are made for off-roading; however, the Grand Cherokee has the edge when it comes to everyday street driving. The Grand Cherokee also outperforms the Toyota 4Runner regarding fuel efficiency. 

 If you're looking for an SUV that can handle any terrain and look good doing it, the all-new 2020 Jeep Grand Cherokee is for you. With a variety of engines and trim options, it's easy to find the perfect fit for your lifestyle. Plus, with excellent tech and affordable online deals available, this vehicle is something you'll love to own.