Do You Drive Like YOUR Kids Live Here?

 Here's an idea that is So Good- I wish I would have thought of it myself!  It's NOT ONLY creative  and effective- It helps save the  lives of our children.

Did you know approximately 70% of all children killed or injured by motor vehicles are struck within blocks from their own homes? Did you know an average of 4 children age 14 and younger were killed and 500 were injured every day in the United States in motor vehicle crashes during 2009?



Now there is something small you can do to raise awareness and save lives. Enter the “Drive Like Your Kids Live Here” project. This is designed to help end distracted driving, raise awareness of children in our neighborhoods, and reduce the number of senseless pedestrian deaths. It  encourages you to post signs which simply state “DRIVE LIKE YOUR KIDS LIVE HERE.”


It’s a simple, powerful message, and one that  deserves some recognition. To learn more about Drive Like Your Kids Live Here, check out their website:   http://www.drivelikeyourkidslivehere.com/

Do You Need Gap Insurance?

GAP Insurance ( also known as Guaranteed Auto Protection or Guaranteed Asset Protection)  is insurance covers the difference between the actual cash value of a vehicle and the balance still owed on the financing .GAP coverage is mainly used on new and used small vehicles (cars and trucks) GAP insurance covers the amount on a loan that is the difference between the asset value and the amount covered by another insurance policy. Some GAP policies also cover the deductible.


Gap insurance is while vital for those who are leasing or financing and owe more than their car is worth, is a non-issue for other drivers.

If you've paid off enough of your car loan that you owe less than it's worth, you don't need gap insurance. In fact, if you have comprehensive and collision coverage, you may have all the insurance you need to pay off your loan.



Most auto insurance companies offer this coverage to consumers

Have A Vehicle You Are Looking To Sell?

Looking for some extra cash ? Do you have a vehicle you want to sell??




We buy ....



* cars, trucks, pickups, minivans, SUV's and 4X4's





* the years we will buy are from 1997 to 2009





* mileage can be from 50,000 to 135,000 miles





* we do not buy salvage or reconstructed vehicles





* the price range is from $500 to $5,000



In less than 30 minutes we'll give you a price to buy it from you and if you have your drivers license and the title of the vehicle with you, you can leave with the check in your hand and no hassles



Do you have a car you want to sell? Give us a call, or email us: mjayne@carlottacredit.us.

Are You Overpaying for Car Insurance?

At CarLotta Credit & Car Sales we are always looking for ways to help you save money...here are a few tips to save you money on your car insurance.




* Sorry to say, but your driving record is an important part of your insurance cost. If you try to...obey posted speed limits, avoid parking tickets, stay alert and undistracted (like cell phones and nooooo texting), drive slowly and defensively...you will have a lower rate than someone who does not do these things.



* Shop your policy around with different agents, on line insurance companies and types of policy. All you need is an internet connection these days to see what prices you can get. Just Google..."low cost car insurance" and see what comes up.



* Raise your deductible. This can save you money, but be sure if you have a car loan on your car, that you abide by the bank or finance company deductible maximums. Also, don't raise the deductible so high that you are not able to pay it and get your car fixed in the event of an accident.



* Combine your home or apartment insurance with you car insurance for an additional discount. Some companies will give you more of a discount if you give them more of your business.



These are just a few ideas. Give them a try. We all would like to have a few dollars in our pockets right now.