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Lease or Buy?



Lease? Or buy? These are the options for Oklahoma City drivers. It's always a tough question for auto owners, but here is some info that'll help you make an informed decision.

If you buy, you'll pay the full cost of the vehicle, maybe an initial down payment, monthly payments on the balance that pays down the loan principal, and the finance charge.

Oklahoma City drivers who lease finance the portion of the cost of the vehicle that's used up during the term of the lease. You'll pay some money up front: fees, security deposit, first month's payment and maybe a capital reduction. The monthly payments include a depreciation cost and a finance charge. When the lease is up, you return the vehicle to your local Oklahoma City area dealership. 

So how do Oklahoma City drivers decide?

First, how much do you have for a down payment? A lease usually requires a smaller down payment.

How much monthly payment can you afford? Again, lease payments will be much lower for any given down payment.

A lease needs requires better credit, so that's a factor.

How long will you keep the vehicle? Oklahoma City drivers who keep their vehicles around for a while will pay less if they buy. But just two or three years? Then leasing is the way to go.

If your car might suffer a ding or two, like a work truck would, then buying's better. The auto leasing company will want their vehicle back at the lease end in tip top shape, and if repairs are needed, you'll pay.

How far do you drive in and around the Oklahoma City area? Important to consider because leases have a mileage limit; if you go over, you pay a hefty charge per mile/kilometer when the lease is up. So high mileage Oklahoma drivers should definitely buy.

Will the car be used in your business? Check with your accountant, but both financing options have different tax benefits, depending on your circumstances.

Over the short term, leasing is much cheaper. Medium term, leasing and buying costs are about the same. Over the long haul, leasing always costs more.

Leases may sound a bit complicated, and the typical lease decision weighs more on the monthly payment rather than price. So sometimes Oklahoma City leasers may pay on a higher purchase price than a buyer would.

Here is a tip: If the salesman asks if you'll be leasing or buying, say you're not sure yet. Make your best deal, then look at your financing options.

Here's another: With a buy or a lease, if you total the vehicle, you'll owe the full amount of the loan, or the balance of the lease payments. Usually, it's less than the vehicle's fair market value, and that's all your Oklahoma auto insurance company will pay. But ask your Oklahoma City agent about gap insurance, which pays the difference between fair market value and what you owe. Big consideration for a lease.

Remember, you have to return your leased vehicle in excellent condition and may need to do all the vehicle manufacturer's recommended service and maintenance or face penalties. So see your local advisor at your Oklahoma City auto repair shop  or Car Doctor on a regular basis, get the required work done and save the service records. It's well worth it.

Car Doctor
1217 N.W. 5th St
Oklahoma City, Oklahoma 73106
405-232-1949
http://mdcar.net

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Protecting Your Vehicle from Theft in Oklahoma City, Oklahoma



Every car in Oklahoma City, Oklahoma, is at risk for theft. So it's up to us to make our cars a less appealing target and more of a challenge – hopefully sending potential thieves to look elsewhere.

The National Insurance Crime Bureau recommends a layered approach to protecting vehicles:

  1. Common sense
  2. Visible and audible devices
  3. Immobilizing devices
  4. Tracking devices

Let's review each of these. One is common sense; you would be surprised how many vehicles are stolen in Oklahoma where the keys were left in the ignition with the doors unlocked. Always take your keys and lock the doors. In fact, in some places it's against the law to leave a vehicle unattended with the keys in the ignition.

And don't leave spare keys in the car or hide them outside – because a thief will find them. Oklahoma City drivers would be wise to park in well-lit areas that have a lot of foot traffic. If possible, park near the end of a row and near a light. Back your car into a parking space or your driveway to make your car more visible to passersby and harder for a thief to work under the hood without being seen.

People in Oklahoma City should know that it's important to roll up their windows completely and avoid leaving their car in public lots for a long time. If you park in a lot that has an attendant, only give them the ignition key.

Keep valuables out of sight; purses, wallets, cell phones, clothes and even change are attractive "smash-and-grab" targets. And pay to have your Vehicle Identification Number, or VIN, etched into your windows – it makes your car less attractive to a thief who wants to send your car to a chop shop.

There are lots of visible and audible devices available for Oklahoma City drivers. A steering wheel lock is highly visible and will deter some thieves. Loud alarms can alert you and others that your vehicle is being tampered with. But if your alarm does go off, be careful. Observe what's going on; get descriptions of suspicious people and vehicles, including license plate numbers.

Now, if you catch a thief in the act, call 911 but don't approach the person. Your safety is more important than the car.

And here's a great one - immobilizing devices. They actually shut off your car's electrical or fuel supply. So without a key, or knowing where the hidden switch is located, a thief can't drive your car away.

Finally, drivers can also get a tracking device that allows Oklahoma City police to track their car down and recover it quickly.

Remember, where you live, work and drive around Oklahoma City, Oklahoma, has a great impact on your decisions. If you're in an area with high theft rates, you may want to spend more money on security systems. And check with your auto insurance company to see if they offer discounts for adding any of these items.

Of course, the common sense suggestions from Car Doctor don't cost anything and go a long way toward keeping your car safe from thieves.

 Car Doctor
1217 N.W. 5th St
Oklahoma City, Oklahoma 73106
405-232-1949
http://mdcar.net

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Considering an Alternative Fuel Vehicle in Oklahoma City?

There is a clear and vocal demand in Oklahoma City and nationally for a reduction in air pollution and our dependence on fossil fuels. This is what is driving the Oklahoma market for alternative fuel vehicles. There are a number of these vehicles on Oklahoma City area roads today, and many more being developed. Yet each of these vehicles has its own advantages and disadvantages. Oklahoma City auto owners should learn what these advantages and disadvantages are before running out and purchasing one of these alternative fuel vehicles at your nearest Oklahoma City dealership.

Oklahoma City drivers should carefully research the vehicle care before buying an alternative fuel vehicle, as it may or may not coincide with the standards for gasoline vehicles. You should look at costs as well; these vehicles may help save our environment here in Oklahoma City, but that might not represent a savings to your wallet. You'll need to decide what you can afford and what will work for your lifestyle. Also, your choice of vehicle may be affected by what fuels are available in your area. Switching to an alternative fuel vehicle is not a bad decision, but it should be a carefully considered one.

Flex Fuel Vehicles
Flex fuel vehicles can run on gasoline or on a combination of 85% ethanol and 15% gasoline. Because of the 85% ethanol content, this fuel is commonly called E85 in Oklahoma.

Ethanol is made from corn. So flex fuel vehicles lessen our dependency on fossil fuels. But they also raise the price of corn, which is a basic foodstuff in some areas of the world. Whether replacing fossil fuels with corn is a good idea is hotly contested right now.

One piece of Car Doctor auto advice before we move on: do not put E85 into your vehicle unless it has an engine designed for flex fuels. Because of the high ethanol content in E85, engines need special seals and gaskets to function properly on this fuel. Running an ordinary engine with E85 can lead to gas leaks and fires.

Diesel
Diesel engines are nothing new on Oklahoma freeways, and many get great fuel economy. Diesel fuel can now be made from vegetable oil and other renewable sources. A diesel fuel made from algae will soon be on the market in the Oklahoma City area.

Natural Gas
Natural gas is less expensive than gasoline in Oklahoma City and burns more cleanly. Also, gasoline engines can be adapted to run on compressed natural gas, and many natural gas vehicles are already on Oklahoma City roads. You can even install a special pump in your home gas line to use to fuel your vehicle. If you are interested in converting your gasoline engine to run on CNG in Oklahoma City, ask your Car Doctor service advisor about it.

On the other hand, an engine running on natural gas is not as powerful as one running on gasoline. Also, the tank you need to store natural gas is large—it takes up nearly the entire trunk of your car. Further, refueling stations are still few and far between in some Oklahoma areas, or even unavailable in many parts of the country.


Electric Vehicles
Electric vehicles were all the rage in Oklahoma some years ago. But their limitations were quickly realized by Oklahoma City auto owners. These vehicles won't come into their own until we find ways to improve their batteries. Currently, many of these cars have a short range before their power runs out and can only be realistically used close to home. However, they are easy to recharge since they can be plugged in at home, and there are many researchers working on improving the battery technology in these vehicles. They may yet be the vehicles of the future.

Hybrids
Hybrids have been among the most successful alternative fuel vehicles here in Oklahoma City and throughout the county. A hybrid gets its name because it has both a gas or diesel engine and an electric motor.

There are two types of hybrids. The full-hybrid relies on the electric motor for power, but the gas (or diesel) engine generates power for the battery. Thus, while still consuming fossil fuels, it uses less of them than a standard vehicle and also reduces harmful pollutants. Also, it overcomes the range problem of the strictly electric vehicle.

In a mild hybrid, the electric motor assists the gas or diesel engine in powering the vehicle. Thus, it uses more gasoline or diesel than full hybrids and has higher emissions. But mild hybrids are available in larger body models like full-size pickups and SUV's.

A Note of Caution about Hybrid and Electric Vehicles
One last note before we leave the subject of alternative fuel vehicles. The battery in an electric or hybrid vehicle is not as tame as the one in a standard vehicle. They carry enough voltage to kill you. These are not do-it-yourself vehicles when it comes to preventive maintenance or car care. Only a trained technician should work under their hoods.

Car Doctor
1217 N.W. 5th St
Oklahoma City, Oklahoma 73106
405-232-1949
http://mdcar.net

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Can Car Scent Keep You Safe on Oklahoma Roads?

Here's a travel tip that'll I'll bet you didn't know, and it might keep you safer...

The average American commuter in Oklahoma spends two and a half hours daily in their vehicle.

The government says 100,000 auto accidents yearly are caused by drivers who fall asleep at the wheel. (Aggressive driving is the number one traffic safety concern.)

So what does this have to do with how your vehicle smells while you're driving around Oklahoma City?

Well, which scent did you think makes drivers more alert?

Is it:

  • A. Strawberry
  • B. New Car
  • C. Pine
  • D. Warm Vanilla Breeze

It's C. Drivers are more alert and have less fatigue with pine scent in the vehicle, according to AroMetrics.

And, drivers were less angry with overall improved driving performance with strawberry and pine scents.

And you thought they just smelled nice.

Car Doctor
1217 N.W. 5th St
Oklahoma City, Oklahoma 73106
405-232-1949
http://mdcar.net

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Are There Blind Spots in Oklahoma City?

All Oklahoma City drivers have blind spots – and no, I'm not talking about the fact that you really don't sing like Adele. I mean the areas of the road that you can't see when you're driving around Oklahoma City.

First let's talk about our own blinds spots, and then we can talk about others...

To begin, we can greatly reduce blind spots by properly adjusting our mirrors to give the widest coverage possible. Make the adjustments in your vehicle before you start to drive.

First, Oklahoma City drivers should adjust their rear view mirrors to give the best possible view directly to the rear of their vehicle. Oklahoma City folks don't need it to get a better view of either side of the car, the kids in the back seat or their dazzling smile. It's pretty obvious, the rear view mirror should reflect the rear.

Next, lean your head until it almost touches the driver's side window. Adjust your side mirror so that you can just barely see the side of your car. Now, lean your head to the middle of the car and adjust the outside mirror so that you can barely see the right side of the car.

When Oklahoma City drivers adjust their mirrors this way, they'll have maximum coverage. Of course driving is a dynamic process – things change every second on Oklahoma roads and busy highways. So it's wise to take a quick look to the side when passing to make sure that another vehicle hasn't moved into an area you couldn't see in your mirrors.

As you drive around the Oklahoma City area, avoid staying in others' blind spots. You can't count on them to be watching their mirrors and looking out for you.

Here are some tips for passing a heavy vehicle on Oklahoma roads:

Avoid the blind spots. If you can't see the drivers face in one of his mirrors or in a window, he cannot see you!

Don't follow too close. If you can't see one of the truck's mirrors, you're too close.

Make sure there is plenty of room to pass. Trucks are long and take time to get around. If you're on one of our local two-lane highways, wait for a passing zone.

Don't linger when passing. Because the blind spots are so big on the sides, you want to get through them quickly. If you can't pass quickly, drop back.

Pass on the left whenever possible. A trucks' blind spot is much larger on the right.

The team of automotive professionals at Car Doctor want you to watch those blind spots – but feel free to sing in the shower all you want.

Car Doctor
1217 N.W. 5th St
Oklahoma City, Oklahoma 73106
405-232-1949
http://mdcar.net

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What to Do in Case of an Accident in Oklahoma City

Screeching tires, crunching metal – it's an accident! If you've ever been in a car accident in Oklahoma City, even a minor one, you know how upsetting it can be. It's hard to think straight and know what to do.

Let's review what Oklahoma City drivers should do in case of an accident:

When an accident occurs, you should always stop. Leaving the scene of an accident in Oklahoma City is considered a crime - even if it's not your fault. And hit and run penalties are fairly severe, possibly resulting in steep fines, loss of your Oklahoma driver's license or even jail time.

Your jurisdiction may require that you try to help someone who is injured by calling for help or performing first aid if you are able. Warn other motorists by putting out flares, using your flashers or lifting your hood. Call Oklahoma City emergency services as soon as possible. Tell the operator if medical or fire help is needed.

You should always file a police report. It's tempting to skip this if everything seems to be ok. But without a police report, the other guy can say whatever he wants about the accident later, and you won't have an objective report to help defend yourself. Discuss the accident only with the police. Emotions are strong after an accident and we naturally want to talk about it – don't. Never admit fault or guilt to anyone including the Oklahoma City police officer. Sometimes we may feel at fault, but in the eyes of the law, the other guy may be responsible.

Truthfully give the officer the facts: such as, "I was going 30 miles an hour," or, "I was going 55 kilometers per hour," not, "I wasn't speeding." Remember, anything you say to the officer or anyone else can be used against you. Also get the officer's name and ID number and ask where you can get a copy of the accident report.

Get the facts on the driver and owner of the other vehicle:

  • Name
  • Address
  • Phone number
  • Date of birth
  • Driver's license number and expiration
  • Insurance information

Also take down a description of the other vehicle, license plate and vehicle identification number (VIN). Most Oklahoma auto insurance companies don't record license plate numbers, so the VIN is the best way to track a vehicle in Oklahoma.

Ask witnesses, including passengers, to wait for the police. If they can't wait, ask for contact information and request that they write a brief description of what they saw. If someone refuses to leave their name, write down their license plate number so the police can track them down later if necessary. Always call your insurance agent or your insurance company. Call or see a physician if you think you may have been injured. For vehicle repairs, call Car Doctor at 405-232-1949.

Contact Car Doctor to learn more about what to do in case of an auto accident.
You can find us at:

1217 N.W. 5th St
Oklahoma City, Oklahoma 73106
405-232-1949
http://mdcar.net

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Car Doctor is a pillar of the community. Car Doctor is a leader in offering name brand tires, wheels, auto repair and brake services for customers located in and around the Pueblo, Colorado area. Our goal is to focus on customer service. It is the foundation of our business. Car Doctor employs a well-trained staff specializing in the sale and installation of passenger car, performance and light truck or SUV tires. Custom wheels are available at Car Doctor. Special wheels and rims compliment any tire or customer vehicle. Complete under-car services, such as oil changes, brakes, shocks, struts, alignment, and transmission repair for both foreign and domestic vehicles are readily available at competitive prices. Take this opportunity to browse Car Doctor website or call us for personalized service.

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