The defintion of AggressiveDriving is a progression of unlawful driving actions such as:
Speeding - exceeding the posted limit or driving too fast for conditions
Improper or excessive lane changing
Failing to signal intent
Failing to see that movement can be made safely, or improper passing
Failing to signal intent, using an emergency lane to pass, or passing on the shoulder
Things to Avoid
• Expressing Frustration - Taking out your frustrations on your fellow motorists can lead to violence or a crash.
• Fail to Pay Attention when Driving - Reading, eating, drinking or talking on the phone, can be a major cause of roadway crashes.
• Tailgating - This is a major cause of crashes that can result in serious injury or death.
• Making Frequent Lane Changes - If you whip in and out of lanes to advance ahead, you can be a danger to other motorists.
• Running Red Lights - Do not enter an intersection on a yellow light. Remember flashing red lights should be treated as a stop sign.
• Speeding - Going faster than the posted speed limit, being a “road racer” and going too fast for conditions are some examples of speeding.
Things to Do
• Concentrate - Don’t allow yourself to become distracted by talking on your cellular phone, eating, drinking or putting on makeup.
• Relax - Tune the radio to your favorite relaxing music. Music can calm your nerves and help you to enjoy your time in the car.
• Drive the Posted Speed Limit - Fewer crashes occur when vehicles are traveling at or about the same speed.
• Identify Alternate Routes - Try mapping out an alternate route. Even if it looks longer on paper, you may find it is less congested.
• Use Public Transportation - Public transportation can give you some much-needed relief from life behind the wheel.
• Just be Late. If all else fails...... just be late.
What to Do if Confronted by an Aggressive Driver
• Get Out of the Way - First and foremost, make every attempt to get out of their way.
• Put Your Pride Aside - Do not challenge them by speeding up or attempting to hold-your-own in your travel lane.
• Avoid Eye Contact - Eye contact can sometimes enrage an aggressive driver.
• Ignore gestures and refuse to return them.
• Report Serious Aggressive Driving - You or a passenger may call the police. If you use a cell phone, pull over to a safe location
Monday, March 25, 2013
Monday, March 18, 2013
Is there an Advantage to My Auto Loan Being Reported to a Credit Burea?
What Is The Advantage To Me, As A Customer, Of CarLotta Credit Reporting To A Credit Bureau?
If you keep in mind that we have multiple goals at CarLotta Credit & Car Sales...for example, a quality car, with a warranty, and rebuilding your credit...it makes sense. When we report your on time payments to the credit bureau on a regular basis, it helps to significantly improve your credit score over time.
Making a timely car payment is a quicker way to improve your credit score because
* the payment amount is regular (not like credit cards)
* the dollar amount financed is higher (better for your future lenders to see)
* the on time payments show a pattern of consistent payment history
* once your first car is paid off, you can upgrade your vehicle to a more expensive one and improve your score even more
So, the advantages to you are clear and tangible. We do it, because we think it is one of the ways to help those people who really do want to improve their credit.
If you keep in mind that we have multiple goals at CarLotta Credit & Car Sales...for example, a quality car, with a warranty, and rebuilding your credit...it makes sense. When we report your on time payments to the credit bureau on a regular basis, it helps to significantly improve your credit score over time.
Making a timely car payment is a quicker way to improve your credit score because
* the payment amount is regular (not like credit cards)
* the dollar amount financed is higher (better for your future lenders to see)
* the on time payments show a pattern of consistent payment history
* once your first car is paid off, you can upgrade your vehicle to a more expensive one and improve your score even more
So, the advantages to you are clear and tangible. We do it, because we think it is one of the ways to help those people who really do want to improve their credit.
Monday, March 11, 2013
How Long Will A Loan Approval Take?
How Long Will It Take To Be Approved And Drive Home?
Normally at CarLotta Credit & Car Sales the approval process takes about 20 minutes, the delivery really depends on you .
What do you need at a minimum...
* Valid Pa Drivers License
* income proof
* your down payment
* car insurance
* a utility bill - bank statement- or phone bill showing your current address
We may need more info depending on your situation, which may take a little longer but realistically you could be in and out in an hour.
See it really is easy.
Normally at CarLotta Credit & Car Sales the approval process takes about 20 minutes, the delivery really depends on you .
What do you need at a minimum...
* Valid Pa Drivers License
* income proof
* your down payment
* car insurance
* a utility bill - bank statement- or phone bill showing your current address
We may need more info depending on your situation, which may take a little longer but realistically you could be in and out in an hour.
See it really is easy.
Monday, March 4, 2013
Need Help Finding the Best Rental Car Deals?
Even if you’ve rented a vehicle in the past each time feels like the first time .... there are so many little details to remember and questions to answer to help make a decisions.
Here are a few tips that may help you navigate the world of car rentals.
1. Shop around online first. Check multiple travel Web sites to get a see what’s available. Check the rental car companies’ Web sites to see whether you can get an even cheaper rate there.
2. Hunt for deals. Be sure to check for weekend discounts or special weekly rates. If you are shopping online, be sure to look for little areas where you can enter a “promotional code” or “discount code.” You may find a coupon code that can save $$ on your rental. You may even find discount codes through organization memberships and other affiliations you are already familiar with.
3 Opt for a smaller vehicle . Do you really need a larger car? Go compact whenever possible. Rental companies often run out of economy models because they’re the most popular, so they will often try and steer you toward an upgrade in the hopes that you’ll cave in and pay for it. Just say no. You will most likely get the upgrade anyway for the economy price.
4. Gas up. NEVER prepay for gasoline – and then don’t forget to fill the tank back up before you return. Failure to do this, will resulting paying much more than the market price for the gasoline you owe.
5. Be on time. If you return your vehicles late, you may be charged as much as a full day’s rental, sometimes at a rate higher than before. If you are going to be late, remember to call the agency and explain your situation. It may help. Also, find out if you might have to pay additional fees if you drop the vehicles off early.
6. Avoid airport fees. If you are renting from an airport, you are likely to pay extra fees such as airport surcharges, drop-off fees or taxes levied by local governments. Consider renting from a suburban location if at all possible to avoid at least some of those costs.
7. Supply your own car seat. If you are traveling with children, you can save as much as $10 a day by providing your own child safety seat rather than renting one from the rental car company
8. Take photos of vehicle before it leaves lot. Bring your camera -that's has a time and date code on it, and walk around that car before you ever leaves the parking lot and photograph all angles of the vehicle. It only takes a few minutes. Doing this assures that it's not just your word against theirs. You will have evidence with a time and a date stamp on your photo verifying you didn't create that scratch on the fender or that ding on the windshield.
Here are a few tips that may help you navigate the world of car rentals.
1. Shop around online first. Check multiple travel Web sites to get a see what’s available. Check the rental car companies’ Web sites to see whether you can get an even cheaper rate there.
2. Hunt for deals. Be sure to check for weekend discounts or special weekly rates. If you are shopping online, be sure to look for little areas where you can enter a “promotional code” or “discount code.” You may find a coupon code that can save $$ on your rental. You may even find discount codes through organization memberships and other affiliations you are already familiar with.
3 Opt for a smaller vehicle . Do you really need a larger car? Go compact whenever possible. Rental companies often run out of economy models because they’re the most popular, so they will often try and steer you toward an upgrade in the hopes that you’ll cave in and pay for it. Just say no. You will most likely get the upgrade anyway for the economy price.
4. Gas up. NEVER prepay for gasoline – and then don’t forget to fill the tank back up before you return. Failure to do this, will resulting paying much more than the market price for the gasoline you owe.
5. Be on time. If you return your vehicles late, you may be charged as much as a full day’s rental, sometimes at a rate higher than before. If you are going to be late, remember to call the agency and explain your situation. It may help. Also, find out if you might have to pay additional fees if you drop the vehicles off early.
6. Avoid airport fees. If you are renting from an airport, you are likely to pay extra fees such as airport surcharges, drop-off fees or taxes levied by local governments. Consider renting from a suburban location if at all possible to avoid at least some of those costs.
7. Supply your own car seat. If you are traveling with children, you can save as much as $10 a day by providing your own child safety seat rather than renting one from the rental car company
8. Take photos of vehicle before it leaves lot. Bring your camera -that's has a time and date code on it, and walk around that car before you ever leaves the parking lot and photograph all angles of the vehicle. It only takes a few minutes. Doing this assures that it's not just your word against theirs. You will have evidence with a time and a date stamp on your photo verifying you didn't create that scratch on the fender or that ding on the windshield.
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