Today’s Top 10 Vehicle Brands Found in the USA

GreenBikini-2With the economy being stable, gas prices slowly rising and the unemployment rate at its lowest in over a decade, the auto industry has really flourished. That being said, many of today’s luxury and exotic car brands are staying in the limelight but domestics continue to hold their own in a steady market. We’ve put together a snapshot of the most chart-topping brands found on today’s American roadways. Take a look.

1. Audi

2. BMW

3. Buick

4. Honda

5. Kia

6. Lexus

7. Mazda

8. Porsche

9. Subaru

10. Toyota

Audi continues to hold a strong presence for both car ‘appreciationists’ as well as practical car buyers. Since the beginning of time, or 1899 this company has been making precision styled cars that appeal to the luxury market. This car brand still carries the torch for those graduating from Audi’s entry level brand the Volkswagen. The Audi A4/S4 continues to hold a 5-star rating with NHTSA but not with IIHS. Nonetheless, if you’re seeking one of the most stable foreign made cars that’s a heavy hitter, perhaps Audi is your brand?

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Next up, BMW. The Beemer is has continued to impress their drivers and passengers since the 1920’s. This manufacturer introduced their first 6-cylinder luxury model in 1932. The BMW customer continues showing their loyalty today, with an increase in their 7 series along with the X3 model. These are for the serious car driver and not a toy although, the Mini-Coupe has held its own with a 0.3% increase in sales for 2016 so far.

“That’s not a Buick” campaign really proved to change the face of this brand going from your grandfather’s jalopy to a more innovative and luxurious model. With sleek designing, loaded with features and a 250hp turbocharged engine, any of their current models are sure to impress.

The Honda continues to be one of American’s top brands. Carrying out a strict mission of selling some of the most highly rated cars, crossovers and SUVs. With the long lasting engines, crafty use of space and the longevity of models like the Accord, this brand has gained the trust of people living in the states without a doubt.

Straight from the shores of Seoul, Korea and winner of the Edmund’s 2015 most popular the Kia Soul can be seen on just about any street located across the great divide. What was surprising to note is that this car made it in the subcompact category for two years in a row. These cars have gained a tremendous amount of momentum while seeking their footprint here in the U.S. and according to Edmunds they are here to stay.

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Toyota’s luxury model brand “LEXUS” still rates a 8.6 on the J.P. Power & Associates scorecard. With the 2016 Lexus NX ranking 5 out of 14 Luxury Compact SUVs, this brand is stellar with performance and style. Take one look at the detail and you know that these vehicles were crafted with pride. This brand is an excellent choice for those wanting something that’s both functional and sharp.

Zoom-Zoom is the appropriate slogan for one of the best performing brands on the market today. The Mazda brand was awarded an overall score of 75. The Mazda CX3 delivers 33mpg and is noted to be one of the more exciting subcompact crossover vehicles with some guts to it. If this is a category you’re contemplating for the next car, definitely check this one out.

Starting with the 911 Carrera, Porsche has expressed longevity, performance and some of the best known for its signature styling. The critics rate the overall score for the 911 at a 9.2 which is the highest it can get next to the Porsche Boxster. Agile handling, powerful engines and the Porsche dynamics, this brand is no joke.

Subaru received excellent press after it’s redesigning and re-branding. They became really aggressive with repurposing their brand to become a leader in the automotive world. According to a study done by J.D. Power and Associates for the 2008 Customer Retention Study, Subaru ranked at 50.5%, which was above the national average of 48%. This car is opening a lot of newer doors with a natural approach with the “It’s what make Subaru, a Subaru.” We’re sure to see a lot more of this brand for the years ahead.

Don’t get us started on Toyota. Although they’re hard to find, if you look hard enough you can still see some of the oldest Toyotas running strong on today’s freeways. The die-hard engines, simple yet well-crafted construction from the cars nose to the rear, you can see why this car maintains its client loyalty. The Toyota Tacoma reached its 20-year anniversary but these cars have been in the U.S. for over 60 years total. In an article published by Time/Life magazine it was noted that Toyota’s first pickup truck the Hilux was of sound production. The car featured in this article had over a million miles on its original engine! That’s right 1 million miles and the proud owner was still driving it. It’s not a wonder that the Toyota brand will be here for a long time to come.

While we couldn’t mention every make and model in this particular article, be sure to watch out for our next blog for more info on what’s going on in the world of cars.

For more information on purchasing a car or truck, contact our team.

Top 5 Things People Hate About Dealerships

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The automotive industry has changed tremendously over the last decade. With strict guidelines, customer surveys, and the influx of information found on the Internet, the deal of today isn’t the same as it was before. That being said, we still hear the war stories out there from customers that have had less than desirable experiences when they’ve purchased cars in the past. We’ve outlined a few of those issues that people face that are still commonplace today.

1. Obnoxious and Rude Salespeople

2. Waiting around for an eternity

3. Selling you something you don’t want or need

4. Negotiating & Haggling

5. Not Getting a Fair Price

Many times when you speak to someone who’s just come from the car lot, you’ll hear a complaint about their salesperson or the manager being rude and obnoxious. While there is no excuse for bad-manners, obnoxious salespeople are often times what people should expect. What you’ll find at a reputable dealership are people anxious to make a living just like you. If you’re not comfortable with your sales rep or the manager, let them know. Most of the time you’ll find that these are every day, hardworking people that want to earn your business.

After you return from the test drive, there is a process and just like any other process out there, they take time. While it may seem that you’re waiting for an eternity to drive off into the sunset, you’ll have to go through the process from a-z like everyone else. They aren’t trying to keep you hostage. They’re working hard at securing a good deal for you. Many times that means contacting several banks in your favor to get you on the road. Be patient and don’t try to buy a car during your lunch break.

It seems that every car guy and gal in town wants to sell you something you either don’t want or don’t need. While we can appreciate that, we also know that if we don’t present the opportunity to you, you could be disappointed. The car business is a business, just like everything else. They are there to make money just like you have to at your job. The best thing we can say here is being comfortable saying “no”.

The one thing that is most common and most logical to why people hate visiting the dealership is simple. Everyone wants to get a fair deal. They want to know that they are getting the best price for the car they’re buying along with getting a reasonable offer for the dealership to buy the trade. This is how every dealership should operate, and most do.

Contact those with a good reputation or one you’ve been referred to. By taking the necessary precautions and being upfront with the salesperson regarding your goals, you’ll be that much more ahead of the game.

Buying a new or used car is exciting and can be a lot of fun, just keep in mind the end result of driving a really cool car, truck or SUV.

For more information on our new and used auto’s, contact us today!

The Benefits of Purchasing an Used Vehicle

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Today’s auto market has changed drastically. To an extent. Fifty years ago, we didn’t have the Internet and people had to go to the car lot to find what they were looking for. But, nowadays it’s easier to find good information that can help consumers such as yourself make the best conscious decision to find a car that will fit their needs. This is particularly true when purchasing a pre-owned vehicle. We’ve outlined a few key points for you to consider when purchasing a used vehicle to help you make the best decision when adding your next auto.

You’re purchasing the other half the previous owner paid for. This is known as ‘Depreciating Value’. As soon as someone drives a brand new car off the lot, it begins to lose its value as much as %20-50. Cars are not assets, they are technically liabilities to the bank, therefore the first owner of the car generally pays for the interest of that car for the first two-three years of ownership. Statistically speaking, most people replace their cars every 36 months, which means they never paid on the principle of the car. In other words, by purchasing a used car or truck, you are paying for the other portion the previous owner did not. This can save you thousands of dollars in the long run depending on the market, the vehicle’s real value and the interest rates.

There’s plenty of inventory to go around. With all the previous lease customers having to keep their mileage down, you have a plethora of cars, trucks, SUV’s to choose from including low miles. If you prefer an older style model compared to the new look, it may be easier to find with used cars versus new. New car lots tend to keep the most updated models and you may find that even their used car lot be scarce with older models. If there’s something specific you’re looking for, just ask.

You can find out the car’s history! We will have a detailed list from a company such as TrueCar or Kelley Blue Book that can help you access the health and longevity of the car. Longevity meaning, accidents, damage, etc. This is always beneficial to request.

In many cases a used car will give you just as much life as a newer model. There are really endless possibilities here. Most people look at a car as a necessity, not a luxury. Rule of thumb is buy used and keep your pockets full. By following this rule, you’ll not only be driving a great car you’ll be saving money in the long run.

For more information on our new car inventory, contact our dealership.

Check Out Our New Arrivals!

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We have some special vehicles in our inventory! You’ve seen them in your favorite films and TV shows. Some of these vehicles have been driven by your favorite hero and role model. Now you can own the special vehicle of your dreams. You’ll be the new driver able to talk to your fancy new ride, who, in some cases, will talk back and maybe even help you on special missions.

We have great new arrivals of classic cars that we know you would love to get your hands on. Check them out!

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Aston Martin

Ford Econoline

Grease Lightening

The Ghost Rider

Lightening McQueen

British Leyland Mini 1000

Ford Explorer XLT

Did we mention that this was an April Fool’s joke!

 

Frequently Asked Questions Ansered

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We here at HGreg.com understand that our customers have questions and we are always happy to clarify things. We decided to compile a list of the most commonly asked questions, and answer them.

1.      What will my down payment be? Am I able to take the car home today and make payments on the down payment?

Unfortunately, here at HGreg.com, we do not have a system set up for customers to make payments on their down payments. The average down payment is about $1000, but nearly every customer’s down payment is different. However, our finance officers are willing to work with you and your specific needs.

Chances are, if you have your down payment, are approved by financing and have everything listed in answer #3, there’s a great chance you’ll be driving home today!

2.      Am I approved?

We work with everyone, even those with unique financial situations. The terms of our auto loan are tailored specifically to your unique financial situation. We have various finance programs that will be sure to meet your specific needs.

3.      What do I need to bring with me to get into a vehicle?

To get into a vehicle you need to bring your:

  • Driver’s license
  • Proof of income (which is determined through a pay stub)
  • Proof of insurance
  • Proof of residence (which is usually a utility bill)

For a more information on what to bring, learn How You Can Prepare For Fast Approval.

4.      How long does the process take? Can I drive it home today? Do I need to come in to finish the application?

The overall process time varies between each customer. Most customers are in and out within a couple of hours. However, the amount of time depends entirely on the customer.

To make your process quick, you can apply for financing online before stepping foot inside the dealership. It would also be beneficial to have the vehicle you want in mind and don’t forget to bring the items in answer #3.

5.      What if I see a car I want online but do not live in Florida.

If you find a car on our website that you are interested it, that’s fine. We can go through the entire process with you over the phone and then ship the car to you.

6.       Are your prices higher compared to other used car dealers?

No. We offer a lifetime engine warranty, a three day money back guaranty, 24-hour roadside assistance, and a 30-day warranty on qualified vehicles – and our prices are still lower than our competitors.

 

7.       Are you really able to help me if I have no credit?

Absolutely, at HGreg.com we believe that everyone deserves the chance to drive a great, used car. Don’t believe me? Take two minutes and see for yourself with our online approval.

Still have questions about buying a used car from HGreg.com? Not a problem. Contact us!

How You Can Prepare For a Fast Approval

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Most people finance their vehicle purchases because few can purchase their vehicles cash. However, many people don’t know a great deal about the finance process. We here at HGreg.com want to help you be better prepared for the financing process before you set foot on the dealership lot. With pre-approved financing, you will enjoy similar benefits as if you were paying by cash or check. The following steps are to help you prepare for a fast approval.

Make sure your credit report is accurate.  According to the Federal Trade Commission (FTC), 26% of consumers have at least one error on their credit reports, and 5% have errors that lead them to either be denied credit or pay higher rates of interest on financial products like auto loans. For this reason, it is important to request your credit report, check it for errors, and dispute any errors you find.  The FTC has found that in about 50% of cases, this leads to an increase in one’s credit score.

Make sure you meet minimum auto lending requirements. Most banks, credit unions, and other lenders that pre-approve borrowers for financing require a minimum monthly pre-tax income of $1500, as well as a debt-to-income ratio (DTI) of 45% or less. You may not be able to boost your income in the short term, but you can improve your DTI by paying off your debts.

Bring your proof of income to the dealership.  Most lenders require you to submit a current pay stub – no more than 30 days old and showing year-to-date salary totals. In most cases, they will want you to be a full-time W2 employee. Self-employed borrowers will need to provide at least 90 days of current bank deposit records and up to 5 year’s of tax returns.

Make sure your driver’s license is valid.  Although this should be obvious, many people don’t realize that they need a valid driver’s license in the state where they reside. Sometimes people have suspended licenses without even realizing it. You want to be sure that your driver’s license is up-to-date and valid.

Make certain you have full coverage insurance. All reputable auto lenders now require consumers to carry a full coverage insurance policy on the financed vehicle. This ensures that the at least part of the loan balance will be recouped in the event of an at-fault accident that totals the vehicle.

If you are considering buying a car, one of our finance officers can help you get started today.

Important Details to Consider When Choosing a Co-Signer

[Photo credit: Got Credit]

[Photo credit: Got Credit]

If you have poor credit, a co-signer could be a good option for you. However, both you and your co-signer need to be fully aware of the financial commitment that you both will be under before starting the process loan process. We here at HGreg.com wanted to provide you with some information that you should take into consideration when thinking about a co-signer.

Can You Trust One Another?

Your co-signer will be responsible for any payments that you cannot make. Additionally, if your payments are missed or late, both you and your co-signer’s credit score will be affected. Your co-signer has to trust that you will be able to make all of your payments on time and you will have to trust that your co-signer will have your back if you need some help. If possible, choose someone who is responsible and financially stable.

Do You Both Have Good Communication?

Communication is key and goes hand in hand with trust. For example, if you are having a difficult month and don’t feel like you can make your payment, you need to reach out to this person and let him or her know so that he or she can help out. It is up to you to be responsible and not jeopardize yours or your co-signer’s credit. Give them plenty of advance notice.

Just keep in mind that a co-signer can make the car buying process a bit easier, but you both need to be on the same page to make it work. If you are considering a co-signer, one of our finance officers can help you decide if that is the best decision for you.