YOUR AUTOMOTIVE SOURCE FOR WEST CENTRAL NEBRASKA | THE NORTH PLATTE TELEGRAPH | FRIDAY, JULY 11, 2014
New car not in the budget for many families
Get the best deal on auto insurance
Having a family, owning your own home and driving a new car are common goals of many people. But at least one item on that list has now become much less affordable for the average person.
Owning a motor vehicle is not cheap. Insuring the vehicle likely won't come cheap either, especially for those drivers with less than perfect driving histories.
Now that many of the auto-buying incentives instituted to help reinvigorate the auto industry have expired, the average consumer is being priced out of a new vehicle. According to data from TrueCar.com, the average automobile -- at a cost of $30,500 in 2012 -- is now more expensive than ever before. Furthermore, information from a 2013 Car Affordability Study conducted by Interest.com said that most households across America cannot afford a car payment on a new vehicle. In fact, it was determined that only residents of Washington, D.C., with an annual income of roughly $86,000, could afford the average sticker price of a new vehicle and the roughly $550 per month it would cost to finance that vehicle. When factoring in housing costs, insurance and the cost of food, only average citizens in San Francisco, Boston and Baltimore are within spitting distance of being able to afford a new car. The Interest.com research used certain qualifiers in determining the maximum amount the average family could pay for a new car. Researchers
GAROD REMUS
DAVID CRAIG
JUSTIN THOMPSON
JEREMY EPTING
CHRIS SMITH
calculated 10 percent of the monthly, median gross household income for each metropolitan city and subtracted the average monthly insurance premium. The site also considered three key factors, often referred to as the "20/4/10" rule, which involves a down payment of at least 20 percent, auto financing lasting no longer than four years and principal, interest and insurance not exceeding 10 percent of a household's gross income. Using that as a foundation, the study determined most households cannot afford the mean price of $30,000 for a new car and must look to other options, including previously owned vehicles or leasing a vehicle. Dealerships now offer warranties and certification on preowned vehicles that not only make them more affordable but also offer peace of mind to owners worried about buying a lemon. Furthermore, many preowned vehicles are lease turn-ins that are only three years old and have few miles on them thanks to mileage restrictions common to many leasing agreements. Consumers looking for an affordable vehicle might want to downsize their next car or go without certain options. Cars rolling off of the assembly lines are packed with many features that some buyers can do without. FP135116
OLEN PRICE
DALE BRINGWATT
HARRY FREY
But even drivers with poor track records behind the wheel can find ways to reduce the cost of insuring their vehicles. The following are a few ways to avoid overspending on auto insurance. * Choose the right vehicle. The vehicle you drive goes a long way toward determining the cost of your auto insurance. According to Insure.com, minivans had long had a stranglehold atop the list of the least expensive vehicles to insure until the model year 2013, when crossovers and sport utility vehicles took control of the list. The 2013 Ford Edge SE was the least expensive vehicle to insure at just over $1,100 per year, while other crossovers and SUVs from manufacturers including Jeep, Subaru and Kia each cracked the top 10 as well. Drivers hoping to save on insurance costs might want to avoid buying a Mercedes-Benz, as the top eight spots on the most expensive 2013 vehicles to insure list were all products of the German luxury auto manufacturer. When choosing your next vehicle, keep the make and model of the vehicle in mind if you're looking to minimize the cost of your auto insurance.
* Fix your credit. Drivers with average or below-average credit, regardless of their driver history, are likely to pay more for auto insurance than those with above-average credit. That's because insurance agencies take credit history into account when determining their rates. A suspect credit history or a history of paying bills late will be a red flag to prospective insurers. * Consolidate your coverage. Oftentimes, consolidating coverage is a great way to lower your insurance costs. Homeowners who consolidate their homeowners insurance with their auto insurance can expect to save a significant amount of money as a result. Though figures vary as to just how much consumers can save by consolidating their coverage, it's not unrealistic that consumers can save as much as 15 percent by consolidating their coverages. * Negotiate a better deal. It's easy for policy holders to stay with a company they have been with for years. However, it behooves consumers to periodically see what's out there and shop around for a lower rate. If you get a quote that's far less than what you're paying now, get the quote in writing and take it to your current insurance provider. If you have a solid record with few claims, chances are strong the provider will match the offer, saving you the trouble of switching providers.SC133990
YOUR AUTOMOTIVE SOURCE FOR WEST CENTRAL NEBRASKA | THE NORTH PLATTE TELEGRAPH | FRIDAY, JULY 11, 2014
New car not in the budget for many families
Get the best deal on auto insurance
Having a family, owning your own home and driving a new car are common goals of many people. But at least one item on that list has now become much less affordable for the average person.
Owning a motor vehicle is not cheap. Insuring the vehicle likely won't come cheap either, especially for those drivers with less than perfect driving histories.
Now that many of the auto-buying incentives instituted to help reinvigorate the auto industry have expired, the average consumer is being priced out of a new vehicle. According to data from TrueCar.com, the average automobile -- at a cost of $30,500 in 2012 -- is now more expensive than ever before. Furthermore, information from a 2013 Car Affordability Study conducted by Interest.com said that most households across America cannot afford a car payment on a new vehicle. In fact, it was determined that only residents of Washington, D.C., with an annual income of roughly $86,000, could afford the average sticker price of a new vehicle and the roughly $550 per month it would cost to finance that vehicle. When factoring in housing costs, insurance and the cost of food, only average citizens in San Francisco, Boston and Baltimore are within spitting distance of being able to afford a new car. The Interest.com research used certain qualifiers in determining the maximum amount the average family could pay for a new car. Researchers
GAROD REMUS
DAVID CRAIG
JUSTIN THOMPSON
JEREMY EPTING
CHRIS SMITH
calculated 10 percent of the monthly, median gross household income for each metropolitan city and subtracted the average monthly insurance premium. The site also considered three key factors, often referred to as the "20/4/10" rule, which involves a down payment of at least 20 percent, auto financing lasting no longer than four years and principal, interest and insurance not exceeding 10 percent of a household's gross income. Using that as a foundation, the study determined most households cannot afford the mean price of $30,000 for a new car and must look to other options, including previously owned vehicles or leasing a vehicle. Dealerships now offer warranties and certification on preowned vehicles that not only make them more affordable but also offer peace of mind to owners worried about buying a lemon. Furthermore, many preowned vehicles are lease turn-ins that are only three years old and have few miles on them thanks to mileage restrictions common to many leasing agreements. Consumers looking for an affordable vehicle might want to downsize their next car or go without certain options. Cars rolling off of the assembly lines are packed with many features that some buyers can do without. FP135116
OLEN PRICE
DALE BRINGWATT
HARRY FREY
But even drivers with poor track records behind the wheel can find ways to reduce the cost of insuring their vehicles. The following are a few ways to avoid overspending on auto insurance. * Choose the right vehicle. The vehicle you drive goes a long way toward determining the cost of your auto insurance. According to Insure.com, minivans had long had a stranglehold atop the list of the least expensive vehicles to insure until the model year 2013, when crossovers and sport utility vehicles took control of the list. The 2013 Ford Edge SE was the least expensive vehicle to insure at just over $1,100 per year, while other crossovers and SUVs from manufacturers including Jeep, Subaru and Kia each cracked the top 10 as well. Drivers hoping to save on insurance costs might want to avoid buying a Mercedes-Benz, as the top eight spots on the most expensive 2013 vehicles to insure list were all products of the German luxury auto manufacturer. When choosing your next vehicle, keep the make and model of the vehicle in mind if you're looking to minimize the cost of your auto insurance.
* Fix your credit. Drivers with average or below-average credit, regardless of their driver history, are likely to pay more for auto insurance than those with above-average credit. That's because insurance agencies take credit history into account when determining their rates. A suspect credit history or a history of paying bills late will be a red flag to prospective insurers. * Consolidate your coverage. Oftentimes, consolidating coverage is a great way to lower your insurance costs. Homeowners who consolidate their homeowners insurance with their auto insurance can expect to save a significant amount of money as a result. Though figures vary as to just how much consumers can save by consolidating their coverage, it's not unrealistic that consumers can save as much as 15 percent by consolidating their coverages. * Negotiate a better deal. It's easy for policy holders to stay with a company they have been with for years. However, it behooves consumers to periodically see what's out there and shop around for a lower rate. If you get a quote that's far less than what you're paying now, get the quote in writing and take it to your current insurance provider. If you have a solid record with few claims, chances are strong the provider will match the offer, saving you the trouble of switching providers.SC133990
C2 FRIDAY, JULY 11, 2014
THE NORTH PLATTE TELEGRAPH
3820 South Newberry Access Rd. North Platte, NE 308-532-4188 800-662-2963
PARTS AND SERVICE YOU CAN RELY ON
Because anyone who owns a car needs a laugh once a week.
SOMETIMES YOU GOTTA TAKE MATTERS INTO YOUR OWN HANDS BY TOM AND RAY MAGLIOZZI
• Differentials
Dear Tom and Ray: I have a '68 Chevy pickup that I love and want to keep running for as long as I can. I live on a farm, but I only use it when I have to go to Home Depot to pick up duct tape -it's a great "old dude" magnet! The truck starts and runs beautifully, but the last time I started it, it began to sputter and die. I opened the hood and, to my horror, saw that the carburetor was spewing gas. I immediately called the mechanic who lives down the road, and asked him if he would look at it. Unfortunately, he had just successfully retired after many previous attempts, and he held firm even when I offered to rebuild the carburetor myself under his tutelage. However, he did give me a tip that works like a charm: He told me to tap it lightly with a hammer, because
• Transmissions • Parts • Latest Diagnostics • Drive In Service
VISIT US AT WWW.INLANDTRUCK.COM ITP WE ACT LIKE WE OWN THE PLACE BECAUSE WE DO! SINCE 1944!
the needle valve gets stuck. Sure enough, it worked, but I'm concerned that it might happen while I'm driving and the gas might ignite on the hot manifold. Would you say that this is a good fix, or should I try to find another oldster who has actually worked on an old truck? Thank you for many years of good laughs and, occasionally, good advice! -- Hali the Librarian TOM: It's getting harder and harder to find guys who've actually worked on carburetors, Hali. It's harder than finding a guy to change the goat-skin membrane in my ear horn. RAY: It sounds like your carburetor is flooding and liquid gas is coming out the vents. TOM: Your instincts are correct: That's not a great long-term situation, and you're right to look for a more permanent fix. RAY: But since you can't get help rebuilding your carburetor, I'm going to suggest that you try to replace it. TOM: Go online, and see if you can find an already-rebuilt carburetor for your 1968 Chevy truck. I'm guessing you have a V-8 engine, and probably a Rochester carburetor. Ideally, you'll find a remanufactured one for a few hundred bucks that will be just as good as new.
New 2014 Toyota COROLLA
New 2014.5 Toyota CAMRY
New 2014 Toyota PRIUS L/B
RAY: And the needle and the floats will all be brand-new, and should work perfectly. Or at least no worse than they worked in 1968. TOM: And if you were game to rebuild the carburetor, swapping it out is even easier.
0.9% X 6O MONTH*
$1500 REBATE OR 0% X 6O MONTH* PLUS $1000 REBATE
New 2014 Toyota PRIUS V
New 2014 oyota AVALON GAS OR HYBRID
$1000 REBATE OR 0% X 6O MONTH*
$1000 REBATE OR 0% X 6O MONTH* PLUS $500 REBATE
New 2014 Toyota RAV
4
$1500 REBATE OR 0% X 6O MONTH* PLUS $500 REBATE
New 2014 Toyota VENZA
$1000 REBATE OR 0% X 6O MONTH*
New 2014 Toyota SIENNA
$500 REBATE OR 0% X 6O MONTH*
$1500 REBATE OR 0% X 6O MONTH* PLUS $1000 REBATE
*WITH APPROVED CREDIT THROUGH TOYOTA FINANCIAL SERVICES GOOD THROUGH AUGUST 4TH, 2014
Peace of mind with every new Toyota. Featuring a complimentary maintenance plan with roadside assistance.
We at Toyota are devoted to safety and dependability, and proper vehicle maintenance is important to both. That’s why we’re including a complimentary worry-free maintenance plan1 with the purchase or lease of every new Toyota. For 2 years or 25,000 miles, whichever comes first, you and your new vehicle will be covered. It’s complimentary peace of mind and we’re the only full-line brand to offer anything like it.
RAY: You simply disconnect the linkage and the fuel line, which is no big deal. Then you unscrew about four nuts that bolt down the carburetor, and you're pretty much done. TOM: Well, you're done when you successfully put those four nuts back in, along with the new carburetor, then reattach everything and see if the truck starts. But it's a pretty simple job, and you sound like you're up for it. RAY: A nice trick nowadays is to set up your smart phone and record yourself removing the old carburetor. That way, when you have two or three parts left over, you can go back and watch it, and see where they came from. TOM: This will be a fun project for you, Hali. Plus, the old dudes who are already attracted to your truck will go nuts when they find out that you swapped out your own carburetor. You'll be swimming in amorous old dudes, Hali. *** Tom and Ray share secrets on how you can save tens of thousands of dollars on your cars over the next 20 years in their pamphlet "Should I Buy, Lease, or Steal My Next Car?" Send $4.75 (check or money order) to Next Car, P.O. Box 536475, Orlando, FL 32853-6475. Get more Click and Clack in their new book, "Ask Click and Clack: Answers from Car Talk." Got a question about cars? Write to Click and Clack in care of this newspaper, or email them by visiting the Car Talk website at www.cartalk.com. (c) 2014 by Tom and Ray Magliozzi and Doug Berman. Distributed by King Features Syndicate, Inc.
1005 Cars
1005 Cars
1005 Cars CADILLAC 1995 DeVILLE- New rebuilt engine, newer tires, 131,834 miles. $5,500. (308) 534-9078
SOLD IN JUST 2 DAY HONDA 1999 ACCORD EX - with Leather. Power everything, sunroof, tinted windows. Very clean inside/out. 202,450 miles. Great sound system. Near new tires. 25 MPG every tank. $3,400. SOLD IN JUST 2 DAY Thank you NP Telegraph Classified ads you are awesome! RH
CHEVROLET 1990 CORVETTE Red exterior, black interior $7700.00 (308) 532-1637
Dream vehicles bought & sold here!
1003 Thrifty Wheels FORD 1993 PROBE GTMaroon, runs good. $2,300. (308) 530-1872
More Details = Faster Sales!
1005 Cars BUICK 2000 PARK AVENUE 109,000 miles, good Michelin tires, V6 3800, leather interior, 28 MPG, $4700. (308) 534-2469
1016 Antique /Classic
FORD 1969 F100, long box, 360 v8 engine, runs great, good body good interior. $3600 (308) 963-4206
SKYLINE 1996 LAYTON 5th Wheel, half ton towable, sleeps six, air conditioning, microwave, awning. $5000.00 (308) 320-3190
1025 Motorcycles
1032 SUVs
H A R L E Y D AV I D S O N 1993 SPORTSTER 883 - Burnt orange, like new condition 6,000 original miles, $3,600. (308) 530-1872.
JEEP 2007 GRAND CHEROKEE LIMITED Black, V8, excellent condition. 308-362-9088 or 308-362-4576
1040 Vans
1013 Campers/RVs ROAD RANGER 1976 TRAVEL TRAILER excellent condition, self contained, Air, runs on gas & electric, $2,700. OBO (308) 534-1339
1016 Antique /Classic
AUSTIN HEALEY 1959 Red FROG_EYE SPRITE convertible for sale. Very good condition.Soft top and side panels included. Won numerous awards. $17,500 call 308-537-3481
Rev it up in the Classifieds !
1020 Trucks /Trailers
1032 SUVs
CHEVROLET 2002 VENTURE - 75,000 miles, extended van, $3,300 OBO. (308) 520-6173
Click and Clack
CROSSFORCE 2007 TOY HAULER 30 feet $19,000. OBO 308-534-9174 leave message
CHEVROLET 2003 TAHOE Z71 20 “ Aluminum Alloy Wheels, Flow Master Exhaust, Leveling Kit, 205,000 miles Asking $5000 619-823-2884
every Friday in the Classifieds
C2 FRIDAY, JULY 11, 2014
THE NORTH PLATTE TELEGRAPH
3820 South Newberry Access Rd. North Platte, NE 308-532-4188 800-662-2963
PARTS AND SERVICE YOU CAN RELY ON
Because anyone who owns a car needs a laugh once a week.
SOMETIMES YOU GOTTA TAKE MATTERS INTO YOUR OWN HANDS BY TOM AND RAY MAGLIOZZI
• Differentials
Dear Tom and Ray: I have a '68 Chevy pickup that I love and want to keep running for as long as I can. I live on a farm, but I only use it when I have to go to Home Depot to pick up duct tape -it's a great "old dude" magnet! The truck starts and runs beautifully, but the last time I started it, it began to sputter and die. I opened the hood and, to my horror, saw that the carburetor was spewing gas. I immediately called the mechanic who lives down the road, and asked him if he would look at it. Unfortunately, he had just successfully retired after many previous attempts, and he held firm even when I offered to rebuild the carburetor myself under his tutelage. However, he did give me a tip that works like a charm: He told me to tap it lightly with a hammer, because
• Transmissions • Parts • Latest Diagnostics • Drive In Service
VISIT US AT WWW.INLANDTRUCK.COM ITP WE ACT LIKE WE OWN THE PLACE BECAUSE WE DO! SINCE 1944!
the needle valve gets stuck. Sure enough, it worked, but I'm concerned that it might happen while I'm driving and the gas might ignite on the hot manifold. Would you say that this is a good fix, or should I try to find another oldster who has actually worked on an old truck? Thank you for many years of good laughs and, occasionally, good advice! -- Hali the Librarian TOM: It's getting harder and harder to find guys who've actually worked on carburetors, Hali. It's harder than finding a guy to change the goat-skin membrane in my ear horn. RAY: It sounds like your carburetor is flooding and liquid gas is coming out the vents. TOM: Your instincts are correct: That's not a great long-term situation, and you're right to look for a more permanent fix. RAY: But since you can't get help rebuilding your carburetor, I'm going to suggest that you try to replace it. TOM: Go online, and see if you can find an already-rebuilt carburetor for your 1968 Chevy truck. I'm guessing you have a V-8 engine, and probably a Rochester carburetor. Ideally, you'll find a remanufactured one for a few hundred bucks that will be just as good as new.
New 2014 Toyota COROLLA
New 2014.5 Toyota CAMRY
New 2014 Toyota PRIUS L/B
RAY: And the needle and the floats will all be brand-new, and should work perfectly. Or at least no worse than they worked in 1968. TOM: And if you were game to rebuild the carburetor, swapping it out is even easier.
0.9% X 6O MONTH*
$1500 REBATE OR 0% X 6O MONTH* PLUS $1000 REBATE
New 2014 Toyota PRIUS V
New 2014 oyota AVALON GAS OR HYBRID
$1000 REBATE OR 0% X 6O MONTH*
$1000 REBATE OR 0% X 6O MONTH* PLUS $500 REBATE
New 2014 Toyota RAV
4
$1500 REBATE OR 0% X 6O MONTH* PLUS $500 REBATE
New 2014 Toyota VENZA
$1000 REBATE OR 0% X 6O MONTH*
New 2014 Toyota SIENNA
$500 REBATE OR 0% X 6O MONTH*
$1500 REBATE OR 0% X 6O MONTH* PLUS $1000 REBATE
*WITH APPROVED CREDIT THROUGH TOYOTA FINANCIAL SERVICES GOOD THROUGH AUGUST 4TH, 2014
Peace of mind with every new Toyota. Featuring a complimentary maintenance plan with roadside assistance.
We at Toyota are devoted to safety and dependability, and proper vehicle maintenance is important to both. That’s why we’re including a complimentary worry-free maintenance plan1 with the purchase or lease of every new Toyota. For 2 years or 25,000 miles, whichever comes first, you and your new vehicle will be covered. It’s complimentary peace of mind and we’re the only full-line brand to offer anything like it.
RAY: You simply disconnect the linkage and the fuel line, which is no big deal. Then you unscrew about four nuts that bolt down the carburetor, and you're pretty much done. TOM: Well, you're done when you successfully put those four nuts back in, along with the new carburetor, then reattach everything and see if the truck starts. But it's a pretty simple job, and you sound like you're up for it. RAY: A nice trick nowadays is to set up your smart phone and record yourself removing the old carburetor. That way, when you have two or three parts left over, you can go back and watch it, and see where they came from. TOM: This will be a fun project for you, Hali. Plus, the old dudes who are already attracted to your truck will go nuts when they find out that you swapped out your own carburetor. You'll be swimming in amorous old dudes, Hali. *** Tom and Ray share secrets on how you can save tens of thousands of dollars on your cars over the next 20 years in their pamphlet "Should I Buy, Lease, or Steal My Next Car?" Send $4.75 (check or money order) to Next Car, P.O. Box 536475, Orlando, FL 32853-6475. Get more Click and Clack in their new book, "Ask Click and Clack: Answers from Car Talk." Got a question about cars? Write to Click and Clack in care of this newspaper, or email them by visiting the Car Talk website at www.cartalk.com. (c) 2014 by Tom and Ray Magliozzi and Doug Berman. Distributed by King Features Syndicate, Inc.
1005 Cars
1005 Cars
1005 Cars CADILLAC 1995 DeVILLE- New rebuilt engine, newer tires, 131,834 miles. $5,500. (308) 534-9078
SOLD IN JUST 2 DAY HONDA 1999 ACCORD EX - with Leather. Power everything, sunroof, tinted windows. Very clean inside/out. 202,450 miles. Great sound system. Near new tires. 25 MPG every tank. $3,400. SOLD IN JUST 2 DAY Thank you NP Telegraph Classified ads you are awesome! RH
CHEVROLET 1990 CORVETTE Red exterior, black interior $7700.00 (308) 532-1637
Dream vehicles bought & sold here!
1003 Thrifty Wheels FORD 1993 PROBE GTMaroon, runs good. $2,300. (308) 530-1872
More Details = Faster Sales!
1005 Cars BUICK 2000 PARK AVENUE 109,000 miles, good Michelin tires, V6 3800, leather interior, 28 MPG, $4700. (308) 534-2469
1016 Antique /Classic
FORD 1969 F100, long box, 360 v8 engine, runs great, good body good interior. $3600 (308) 963-4206
SKYLINE 1996 LAYTON 5th Wheel, half ton towable, sleeps six, air conditioning, microwave, awning. $5000.00 (308) 320-3190
1025 Motorcycles
1032 SUVs
H A R L E Y D AV I D S O N 1993 SPORTSTER 883 - Burnt orange, like new condition 6,000 original miles, $3,600. (308) 530-1872.
JEEP 2007 GRAND CHEROKEE LIMITED Black, V8, excellent condition. 308-362-9088 or 308-362-4576
1040 Vans
1013 Campers/RVs ROAD RANGER 1976 TRAVEL TRAILER excellent condition, self contained, Air, runs on gas & electric, $2,700. OBO (308) 534-1339
1016 Antique /Classic
AUSTIN HEALEY 1959 Red FROG_EYE SPRITE convertible for sale. Very good condition.Soft top and side panels included. Won numerous awards. $17,500 call 308-537-3481
Rev it up in the Classifieds !
1020 Trucks /Trailers
1032 SUVs
CHEVROLET 2002 VENTURE - 75,000 miles, extended van, $3,300 OBO. (308) 520-6173
Click and Clack
CROSSFORCE 2007 TOY HAULER 30 feet $19,000. OBO 308-534-9174 leave message
CHEVROLET 2003 TAHOE Z71 20 “ Aluminum Alloy Wheels, Flow Master Exhaust, Leveling Kit, 205,000 miles Asking $5000 619-823-2884
every Friday in the Classifieds