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New car not in the budget for many families
Having a family, owning your own home and driving a new car is a common goal of many people. But at least one item on that list has now become much less affordable for the average person.
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 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.
If you are looking for a pre-owned vehicle to keep your monthly automobile costs down, Cheseldine Auto Sales invites you to visit their lot in California, MD. With a wide selection of auto inventory, makes, models, colors and features to choose from, Cheseldine Auto Sales is the place to search when looking for your next automobile.
Cloudy headlamps a significant safety concern
Many drivers feel less comfortable behind the wheel at night than they do during the day, when daylight makes it easier to see fellow motorists as well as pedestrians. Nighttime can compromise a driver's vision, and that reduced vision is a key factor in traffic fatalities, nearly half of which occur at night.
Though traffic accidents are a byproduct of a host of factors, headlamp clouding is one of them and a growing problem for many motorists. Vehicles equipped with plastic headlamp lenses can become hazed and yellowed from the effects of sunlight, ozone, road pollution and the chemicals used in car washes. When driving at night, cloudy headlamps combine with little or no natural light to decrease visibility and pose a significant safety threat to drivers, their passengers and fellow motorists. Drivers cannot increase the amount of natural light at night, but there are steps they can take to improve their nighttime visibility.
Address cloudy headlamps.
keep wiper blades fresh.
Check the windshield washer periodically.
If you are looking for a new car be sure to check out Cheseldine Auto Sale. You can preview our
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