The single most important factor in saving money when making a decision on health insurance is to NOT simply go with the cheapest insurance that money can buy. For in the long run, you will lose more money by choosing a fly-by-night provider that will fight you when you attempt to make a claim. Not to mention all of the headaches involved in dealing with a second rate operation. Instead, choose a national well known insurance provider and compare rates amongst them.

Enter your zip code in the box below and find QUALITY auto insurance companies that offer policies in your area: Oh, and this service is for US RESIDENTS ONLY

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In a different take on getting an auto loan, here’s a little twist, how about getting a loan with your car as collateral?  Now obviously this has nothing to do with those seeking to purchase a car and receiving funding for that purchase.  But given the economic turmoil lately, we figured there are more and more individuals seeking the opposite, seeking to use their assets as collateral to pay off pressing debts.  And one way you can do that is by using your car title as collateral for a loan.

Pros

There are some advantages to getting these loans.  They are relatively easy to get, if you own a car you can borrow a portion of the value of the car.  The lender here typically does not review your credit history to get the loan since you are handing over your title as collateral.  So if you have poor credit or can’t get a payday loand because you don’t have a job, this may be a one of your only options.   Another thing is, and it may be obvious to some, is that you can keep driving your car, you don’t lose possesion of your car.

Cons

These loans are expensive, they can be as high as 300% annual rate.  So it pays to shop around and find the best deal.  These loans are really meant ot be short term loans for 2 or 4 weeks, but of course if youcan’t pay it becomes a revolving debt.  If you are late or keep the loan on, then that is when the loan gets more expensive so have a plan before you borrow so you can keep your costs under control!

Where to find the best, most up to date information on auto loan rates?  There are hundreds of sites out there that can offer you this kind of information, BUT the problem is all lot of that information is out of date and a lot of it is pulled from the same sources, not to mention that much of it is unreliable.  There are some steps out there that can assist you in your search online to compare auto loan rates.  And it is generally worth it to follow some basic advice because there is a lot of good information on the web you just need to know how to find it.

But before we get to the exact hows I just want to stress the point that it is always a good idea to do your research and get some information, even if that information isn’t 100% perfect before you go to the dealer so you have an idea of what the market is like before you automatically agree to dealer financing when you are closing the deal on your car purchase.  Truth is, dealers make a lot of money on car financing these days and you need to be aware of that when you are purchasing your automobile.   Typically when one is negotiating their car deal, the subject of car loan interest rates do not come up, its usually the sticker price that is being argued over. But you should also be haggling over the auto loan price if you decide not to buy over the internet.

First, make sure that the provider asks for your location, state is okay but its better if they ask you for your zip code, If they don’t they won’t be able to match you accurately with an auto loan provider.  Many smaller regional providers only work in some states so you can only get offers from them if the site in question is seperating all the leads they get for loans.  And yes, you are a lead to them,  when you ask for this information companies pay good money to get Your Information so they have the opportunity to sell an car loan to you.

In the next segment we will discuss in more detail where the best places to do some comparison shopping for car loans exist online.