All Things Automotive

Car window tinting offers many benefits to drivers and passengers while providing protection to the car itself. It also provides a sharp appearance where drivers have the advantage of seeing out, but thieves do not have the advantage of seeing in.

Ultra Violet Rays
Automotive tinting reflects the sun’s rays away from the interior of the car and provides UV protection. Unprotected windows only reject up to 28 percent ultra violet rays at the most while a car tint provides up to 99 percent protection. Car interior color does not fade as readily because of this UV protection. Drivers spend about 60 to 90 minutes in an automobile each day and are subject to ultra violet rays when windows are not tinted. Tinted windows protect drivers from those rays and reduce the risk of skin cancer.

Keeping Cool
Ultra violet rays produce heat, which causes high temperatures in closed up cars. This heat can reach unbearable temperatures in warm climates and may cause upholstery to flake and peel, or dashboards to crack. Expensive leather interiors may dry out and crack. Extreme heat also causes chemicals in the upholstery to be released into the compartment. Chemicals used in fire retardant materials, such as Polybromiated diphenyl ethers or chemicals used to make plastic softer, like phthalates, pollute the interior of the car when heat is high. Automotive tinting reduces up to 80 percent of the heat that causes this pollution. Not only that, but it increases the efficiency of the car air conditioners because interior temperatures stay much cooler.

Glare
Glare from direct or indirect sunlight causes eye strain. Many things cause glare including sunlight, sunlight reflecting on snow and oncoming headlights in the darkness. Car tint reduces glare and makes it easier and more comfortable to see by reflecting the sun’s rays or light away from windows or by filtering it before it gets to the eye. Less glare reduces the chance of not being able to see a hazard in the road.

Accident Protection
Car window tinting is a film that is applied to the windows using a strong adhesive. This adhesive holds the glass of the window together and prevents it from shattering in the event there is a high impact accident. It protects drivers and passengers from shattered glass and makes clean up easier.

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If you’re about to buy a car and you’ve got spotless credit, good for you. But what about the rest of us who’ve maybe been late with a credit card payment once in a while?

If your credit is sparkly clean, that’s great. You know you can get the best rates, even 0% if it’s being offered. If your credit’s wretched — like you’ve recently been bankrupt — you should probably just resist the temptation to finance a new car right now.

But if you’re one of the rest of us, there are a few steps you can take to make sure you get the best possible interest rate and to protect yourself from scams.

Step 1: Check first Gather as much information as you can before you start shopping and not just about cars.

“There’s a lot of romance to that process, so you want to make sure you’re going into it rationally,” said James Bell, market analyst with the automotive Web site Kelley Blue Book.

The first step should be to grit your teeth and, as scary as it may sound, look at a copy of your credit report. There’s a good chance you’ll be pleasantly surprised.

“Many people default to thinking their credit score is worse than it is,” said Phil Reed, an editor for the auto web site Edmunds.com said.

The trouble with that is you’re liable to believe a car salesman when he tells you that you only qualify for a loan with a high interest rate.

Also, checking your credit rating gives you a chance to clear up mistakes or even outright fraud.

As you look at your credit score, be aware that many auto dealerships rely on a different score that’s geared to predicting, specifically, how you’ll do at paying off a car loan, said Jeff Blyskal, a personal finance writer with Consumer Reports magazine. As a consumer, you may not be privy to that score which could be somewhat higher — or lower — than your general credit score.

Step 2: Shop around A car dealership may be able to offer you the lowest rate on your car loan because of its close relationships to automaker financing units. But don’t take the dealer’s word for it. You need to be sure it really is the lowest rate, and you should provide an incentive to get that best rate.

One way to get a better rate is to make the dealer fight for it. Walk in there with a pre-approved loan that the dealership has to beat. In the end, you may not end up using it.

So check with your local banks and credit unions.

“Credit union interest rates tend to be lower than finance company interest rates,” said Blyskal.

Remember, you may qualify for credit union membership through a family relationship.

Also, don’t forget to shop for the best financing at more than one dealership just as you do for finding the best price of a car. Don’t want until after you’ve signed off on the car price to talk financing because a higher interest rate can more than wipe out the savings on a slightly lower purchase price.

“Call the dealership ahead of time and tell them what your credit scores is ask them what their best rate is,” recommends Reed.

Just don’t call on the weekend or later in the day when the dealership’s finance officer is likely to be swamped with customers.

Step 3: Wrap it up You may be asked to sign paperwork that allows you to drive away with “your” new car while the dealership continues to work out the details of financing the car.

Don’t do it.

“They may give you the car because it traps you into the deal,” said Reed.

Once you have the car in your possession and you’ve traded in your old car it will be much harder to back out of the deal, leaving you powerless if the interest rate is too high.

Finally, read everything you’re asked to sign. You want to make sure you’re buying only what you expected to buy, and not some insurance product or extra warranty you didn’t ask for. And you want to make sure everything, including the interest rate, is just as it was explained to you. Yes, it’s a lot pf paperwork. Yes, it will give you a headache. But read it all anyway.

Source: money.cnn.com