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Selling VS. Trading In

Posted in Buying a Car
August 31st 2012 by
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So you’ve decided to buy a new car. Congratulations! Now comes the decision of what to do with your old car. These steps can help you make the choice that’s right for you. Research Your Car’s True Value The first bit of research you’ll want to do is establish the current value of the vehicle you are going to sell or trade in. Kelly Blue Book is a good place to start. Many other Internet sites and buying guides are available to assist you in your research. Make sure the information you are looking at is current, as prices can vary greatly from year to year. Don’t forget that other factors, such as mileage, accident history, maintenance records, and general appearance, will factor into the amount a buyer is willing to pay. The sentimental value you place on your car may be just that. “Your baby” may not be as…

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Aspire’s Auto Loan Calculator Can Save You Money

Posted in Buying a Car
August 24th 2012 by
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Ever wonder if you’re paying too much for your auto loan? More than likely, you are. The good news is that Aspire can potentially save you thousands over the life of your loan by refinancing with us. Here is a great example of how we save our member’s money: Current Auto Loan – ABC Dealer Loan Rate (APR*): 8.99% Terms in Months: 60 Loan Amount: $28,000 (original balance) Monthly Payment: $581.10 Refinanced Auto Loan – Aspire FCU Loan Rate (APR*): 3.99% Terms in Months: 48 (remaining term) Loan Amount: $23,000 (remaining balance) Monthly Payment: $519.22 Over the life of this member’s loan, $2,691.32 was put back into their pocket! If you’re in disbelief of the amount of savings that the average member saves, you’re not alone. That’s why we’ve created a fast and easy loan calculator for you to see your monthly savings with us. Simply type in your credit…

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Member Saves $9,900 with Aspire’s Mechanical Breakdown Protection

Posted in Buying a Car
March 30th 2012 by
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Let’s toast to extraordinary savings! At Aspire, we save you money. But sometimes, our message may seem too good to be true, and we must admit, it can be hard to convey just how much Aspire can potentially save you. There’s just nothing like hearing the actual savings from one of our members. Take a look at this testimonial, provided graciously by Sharlenea K., after her experiences with purchasing our discounted Mechanical Breakdown Protection. Not only did she pay less for the extended warranty with us than she would have with the dealer, but she saved $9,900 in auto repairs along the way! “I purchased my car, a Honda, with 35 miles in August of 2008. From my past experiences with my previous used Honda, I knew that this time around I should purchase the extended warranty. So I did my research and checked the price at my dealer vs.…

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Save $6,842* by Financing your Auto Loan with Aspire!

February 3rd 2012 by
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If you’re thinking about taking advantage of Presidents’ Day Auto Sales, there is one piece of advice we would like to give you: don’t finance with the dealer! Dealers will tell you anything to sell you the vehicle, but what they won’t tell you is that their 0% interest rate may end up costing you more than what you’ll pay by financing with Aspire. Members who finance with Aspire instead of the dealer save an average of $2,000 over the life of their loan. Plus, you have the opportunity to shop for your vehicle in our Member Showroom at aspirefcu.zag.com,…

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What is in a Basic Auto Policy?

Posted in Buying a Car
January 26th 2012 by
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Your auto policy may include six coverages. Each coverage is priced separately. Bodily Injury Liability — This coverage applies to injuries you, the designated driver, or policyholder cause to someone else. You and family members listed on the policy are also covered when driving someone else’s car with their permission. It’s very important to have enough liability insurance. Medical Payments or Personal Injury Protection (PIP) — This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs. Property Damage Liability — This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes…

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