Take the Pledge to Never Text and Drive

This initiative focuses on educating people – especially teens – about the dangers of texting and driving. The message is simple, yet vital: When it comes to texting and driving, it can wait.

Each pledge made to never text while driving is a symbol of commitment to be part of a movement that helps everyone make safe choices with their wireless devices on the road.

Teens on average, text five times more a day than a typical adult. That’s a lot of texting! And drivers that text while driving are 23 times more likely to be in a crash*. So AT&T is partnering with teens to get the word out about the serious effect texting and driving could have on their friends, their loved ones and their future.

Together, we can all have a part in making sure that no more lives are lost. No message is so urgent that it is worth diverting attention from the road and risking lives in the process. It Can Wait.

Visit  http://itcanwait.com/ to take the pledge

It’s Child Passenger Safety Week

Child Passenger Safety Week is today, September 17^th through the 22^nd.

Car crashes are the number one killer of children 1 to 12 years old in the United States. The best way to protect them in the car is to put them in the right seat, at the right time, and use it the right way.

There are so many car seat types and models, how do you know which one is right for your child? The right car seat or booster fits your child and your car, and is one you will use correctly every time you travel. Not only will your child ride as safely as possible, you will be establishing the foundation for a lifelong habit of seat belt use every time your child travels. Knowledge is power. Learn more to protect your child from injury and death in a crash.

Learn more about child passenger safety: http://www.safercar.gov/parents/carseats.htm#

Defensive Driving Tips

There are an estimated 250 million vehicles on U.S. roads today. This is a recipe for more traffic jams and longer commutes which can lead to shorter tempers. Read the following tips and live by them – they will make a difference to your well-being while in the car, as well as others who are on the road with you.

• Be cognizant: When driving, remain aware of others around you. Do not get sucked into a situation that can lead to unsafe behavior or triggering an emotional dispute with another driver.

• Be generous: When in traffic and someone wants to cut in front of you, let them. You getting to your exit, through the tunnel or to the toll gate one car length behind, will not greatly impact your arrival time at all. It will, however, insure your getting there safely.
• Be spacious: Do not tailgate. Leave plenty or room between you and the car ahead of you – even if the driver behind you is tailgating.
• Be consistent: When driving in a highly trafficked area, attempt to maintain the car at a steady speed. Do not drive at inconsistent speeds to pass someone unsafely or to ‘get away’ from another vehicle.
• Be present: Phone calls, incoming texts, makeup or children can all be a distraction to you. All of these can impact your driving. Stay present to your driving responsibility as well as the driving responses of others.
• Be schooled: For many adult drivers, the last time they took a drivers education class was when they got their driver’s license. How many years ago was that? Through local continuing adult refresher classes, enroll yourself in a program to see what is new as well as get a refresher on some things you may have forgotten. Make this fun – do it with your girlfriend, teen driver, husband or partner.

Article courtesy of: women-drivers.com

Buying vs Leasing vehicles

When it comes to buying or leasing a car the options can be confusing. To help you make an informed decision we have provided the information below.

Buying

Who Owns It

Whether you pay for the car with cash, or finance it and make monthly payments, either way it’s yours. Of course, if you’re financing it, you’ll have to meet the obligations the lender requires, like a certain down payment amount and timely monthly payments. If you don’t, they have the right to repossess it.

Up-front Costs

If you’re financing it, the bank will probably request a down payment. You can also trade-in another vehicle and use any equity towards your down payment. The amount of the down payment is usually based on the lender’s requirements and your credit score.

Future Value

Your vehicle will be worth whatever you can sell it for in the future and that depends on how well you maintain it. (Be smart and protect your investment with regular scheduled maintenance by a factory-authorized facility!)

End of Payments

Once you’ve paid off what you owe on your contract, that’s it. Your vehicle is 100% yours. The lending institution will send you a Lien Release as proof that the vehicle is completely paid off and all yours.

Leasing

Who Owns It

You do not own the car when you lease. You’re paying for the use of the vehicle, but the finance institution that you leased it through actually owns it. This is usually why you pay less per month in a lease than if you were to buy the car. .

Up-front Costs

Leases often do not require any type of a down payment. All you usually have to pay is the first month’s payment, a security deposit, the acquisition fee and other fees and taxes. But, as with a purchase, if you want to lower your monthly payments you can always pay more upfront.

Future Value

In most leases you don’t end up owning it so you don’t end up selling it. That’s the financial institution’s job. Although you may have mileage limits and wear and tear guidelines that, if you exceed them, could cost you extra money when you turn your vehicle back in.

End of Payments

Most people return the vehicle at the end of the lease term. But some like to purchase it during their lease or at the end. Others like to trade it in before their lease is over. Just ask us about these different options before signing any paperwork and we’ll make sure you have your lease set up the way you want it.

Best Cars to Lease

The best cars to lease are those with the best book value after the term of the lease. Since they depreciate less, you pay less. Review the lease ratings to see which cars retain their value.