Buyer Be Prepared Before a New Vehicle Purchase!

Whether off the line new or new to you, there are several things you can and should do to prepare to buy your next vehicle. We have compiled a few key items you can check off to help you be a smart and savvy shopper and hopefully a few steps ahead of the game.

Where to buy:

For sale by owner- For vehicles sold by the current owner you’ll need to take a few extra steps and precautions before even going to take a look at a vehicle for sale by these means.

  1. Only meet in public places where you are sure you will be around many other people. If possible only meet during daylight hours, if not ensure this place is well lit. 
  2. Take someone with you, know the sellers' name, phone number and description before you get there.   
  3. Ask for the VIN number and do your homework ahead of time.   
  4. Ask the seller if he/she has a clean title. If not, this is a red flag and it’s best to move on.

Dealerships- One of the best ways to find a good dealership is to talk to your friends! Where have they purchased a new vehicle and had a good experience? Check with the Better Business Bureau, and online reviews for dealerships.

Buy Here Pay Here- Payday loan’s little cousin offers almost anyone a car with often no income or credit verification. That comes with a big cost. According to Road and Track, the average interest rate at one of these dealerships is 19% and as high as 29%. They also often have a “one strike you’re out” late payment policy and will repossess your vehicle after one late payment.

Understanding financing:

Buying a vehicle on credit is the most common way American’s buy their rides. Getting the best deal on financing while protecting your credit requires a bit of being in the know.

  1. Credit Union, Bank, or Dealership financing? Per Bankrate, Credit Unions typically beat banks by 1%. Sometimes dealerships will have financing specials that are the best route to take, however, check with your bank or credit union first to see what they have to offer. Be sure to find out if there are better rates with a higher down payment as well.
  2. Know your credit scores before you go shopping. A low score finance approval may come with such a high-interest rate you might be better off spending a few months cleaning up that credit report before you buy.
  3. Protect your credit in the process of getting approved. Dealerships will often have your credit pulled by multiple lenders to shop for the best rate to offer you. When done in the same day they count as one hit against your credit score, however, if you go to several dealerships over a period of time and apply for a loan it could have a larger negative impact on your credit.

Used vehicle safety:

  1. Recalls- Go to: https://www.nhtsa.gov/recalls. This site allows you to search by VIN number.
  2. Vehicle history reports- There are several online sites that provide full history reports that can provide police reports, repair documents and insurance claims. Many of these reports are free and will help you to know what previous issues and or potential issues exist with the vehicle you are looking to purchase.

Insurance:

Sleep on it and call your insurance company before you buy! Any salesperson who pushes you to leave the lot in one of the lots vehicles is one to be concerned about. Get your data, go home, decide tomorrow. Get an insurance quote on the vehicle you’re thinking about picking up and making your own. There’s nothing worse than finding out the insurance policy is beyond your budget after you’ve already purchased your vehicle.

Blog By: Allison Green

HOT VEHICLES KILL KIDS!

Summer may be almost over however August often brings some of the hottest days of the year. Most children left in hot cars were done so by accident by loving parents. So how can this happen? A recent Texas Public Radio story delved into the subject. The personal interview with a father who had left his son in the car after dropping his wife off at work was the case in point of how our brains could forget something so important as a child in a hot vehicle. Our modern lives are busy, often filled with daily repetition and innumerable distractions. In this particular story, the father normally dropped his child off at daycare before dropping his wife off at work. One simple change in routine, taking his wife to work first was enough to convince his brain that the routine could continue on as normal. Thankfully it occurred to him that his son was in the car soon enough that although the boy suffered six strokes, he survived the incident.

Pediatric Vehicular Heatstroke (PVH) is responsible for an average of 37 children’s deaths per year and the death of 43 children in 2017. [1] A car parked in the sun with an outside air temperature of 80* - 100* can reach 103* - 172*. In just 10 minutes a car's temperature can increase by 20*[2]. Just 60* outside is hot enough for a child to die from PVH[3]. Being an absolutely preventative situation, the experts have several tips you can follow to ensure the children in your lives are never left in a hot car.

Keeping the kids out of a parked car:

1/3 of car-related heat deaths in children are caused by children unknowingly getting into hot cars. Once you have parked a car and are sure the kids are out- lock it and put the keys where the kids can’t get them![4]

Avoiding leaving kids in a hot car:

Make a habit of leaving a needed item near your child when you put them in the car. Your smartphone, purse, laptop or tools can act as one more reason to check the back seat before getting out of your vehicle. [5]:

Ask your child care provider to contact you if you haven’t dropped your child off by your normal drop off time. You can also create a notification in your phone to go off right after that normal drop off time to remind you to check.

Many new vehicles now come with rear seat reminder technology. Anytime a back door is opened and closed the reminder will afterward alert the driver to check the back seat.

SensorSafe Technology connects to your child’s car seat strap and will alert you when you stop your car that the child is still in the seat.

See something, do something:

Several states, including, Kansas now have laws that allow you to break into a car to rescue a child or pet as long as you call 911 first. No matter what State you are in always call for emergency help if you see a child alone in a hot vehicle. This video brings it all home and shows a bystander that reaches out to help an 8-month-old child that would've been left in a hot car for 24 minutes. https://www.10tv.com/article/two-deaths-and-video-close-call-bring-new-attention-kids-hot-cars

Lastly, please share this blog to help us spread awareness and save many children's lives. 

Blog by: Allison Greene


Happy & Safe 4th Of July Tips!

From the delight of parades, joyful parties, to exhilarating fireworks in the night sky, here are some very important tips to keep you and those you love safe and happy this week as we celebrate the birth of our GREAT Country!   

According to the Insurance Institute of Highway Safety (IIHS), Independence Day is one of the two most dangerous holidays of the year to be on the road.  IIHS finds the cause of the largest number of crashes in one single day of the year to be mainly caused by alcohol impairment. The take-away? If you notice someone swerving in front of you or behind you, avoid them by changing lanes or taking an exit. If there's a passenger in your vehicle ask them to jot down their license plate number and call the police to let them know their location. By doing so you may save their life and others in their path. A little extra caution and attention to details can go a long way whenever driving, especially in potentially dangerous situations. Imagine you are driving in a heavy thunderstorm, of course, you’re going to slow down a bit to pay more attention to where the other vehicles on the road are located. Impaired drivers aren’t always as obvious as torrential rain so keep your eyes peeled.

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Another important topic is fireworks safety. Download this safety tips flyer from Americanpyro.com and share with those who will be leading up the backyard fireworks show. According to a 2017 U.S. Consumer Product Safety Commission (CPSC) report, there were an estimated 12,900 fireworks-related, emergency department-treated injuries and 8 deaths in 2017.  Parents take note as 14% of those injuries were because of SPARKLERS. Not only are fireworks potentially very dangerous to ourselves and loved ones, they can also be dangerous to our landscapes and homes. Because of this many municipalities have specific laws regarding which, if any fireworks are allowed.  For a Kansas City Metro list click here.

Last but not least, always remember your pets don’t have a clue what this whole popping and booming is all about. The sound of fireworks terrifies most of our furry friends sending them off into a sometimes unrecognizable place far from home.  Already two days before the celebration officially begins social media community groups are filling up with posts of missing dogs and cats.

As the final note of “Stars and Stripes” pours from the piccolo- As the last shower of black powder falls through the air in glowing red, white and blue- As the silent still hot darkened sky hangs heavy with the thick smell of sulfur that remains in our memories from childhood into eternity- As you slowly eke your way out of the parking lot and into the snails-pace traffic jam- recall your feelings of gratitude for the great freedoms we enjoy.

We at Richards' Collision Center wish you, your family and friends a very Happy & Safe 4th of July!  #CelebrateSafely!

Motorcycle Season Safety

It’s the time of year that the nearly eight and a half million motorcycle owners in the United States have been waiting all winter for. Chaps, boots and helmets have emerged from basements and garages of bike enthusiast from coast to coast to get as many rides in throughout the summer as possible. For those traveling on four wheels, an extra effort of diligence is required to keep everyone safe.  Whereas motorcycles only account for 3% of all vehicles owned in our country, motorcyclists are 6 times more likely to be killed in an accident than people in passenger vehicles. The shocking statistics provided by the National Highway Traffic Safety Administration on the most recent motorcycle safety report from 2015 remind us all that watching for motorcycles could mean the difference of life and death.  

Eight percent more motorcyclists were killed in 2015 numbering 4,976 compared to 4,594 in 2014.

  • 93% of fatalities involved two-wheeled motorcycles
  • Of all vehicle fatalities in 2015, 14% were motorcyclists
  • 94% were riders and 6%, passengers
  • 55% were in urban areas, 45% in rural areas
  • 90% were on non-interstate roads

The following are some great tips you can use to help prevent these types of accidents.

  • Use your turn signal far ahead of the turn. Motorcyclists need that extra time to prepare to slow down.
  • Stay further back when behind a motorcycle. Try to find a following distance that allows you plenty of room to react and at the same time doesn’t invite the driver that will dive in front of you far too close to the back of the motorcycle.
  • Be extra watchful at night and during inclement weather. Motorcycles can be harder to see and the driver might have a difficult time controlling the bike in a fast reaction situation.
  • Double check blind spots, especially when making a left turn and backing up.
  • Don’t drive in the same lane as a motorcycle. This seems like common sense but we’ve all seen it happen.
  • PUT YOUR PHONE DOWN! In our last blog, we discussed the dangers of driving while distracted by technology.  Any distraction is even more dangerous for smaller vehicles such as motorcycles on the road.

 According to the CDC (Centers for Disease Control), 1,815 motorcyclists lives were saved by helmets. Helmets reduce the risk of head injury by 69% and the risk of death by 37%. If you own a motorcycle you know why it’s commonly called a “brain bucket”.  Missouri has had a helmet law since 1967, however a current Senate Bill would remove the requirement to wear a helmet for motorcyclists over 18 years old with specific insurance coverage. Kansas and Oklahoma do not require helmets for adults over 18 while Arkansas does not require them for adults over 21. Wherever you might stand as a motorcycle owner on this issue, wearing your helmet does reduce risk.

So now that we have all that out of the way- get out there and enjoy the ride no matter how many wheels you may travel on! And…just like the signs relay:  Watch For Motorcycles.

Blog by: Allison Green

 

Distracted Driving Awareness Month!

With as much attention having been raised in regards to distracted driving over the past several years one would think this top cause of preventable accidents and deaths would be on the decline. Since 2015 vehicle deaths are up 6%, killing over 40,000 people this last year. Unfortunately, it is on the rise.  The National Safety Council  (NSC) has an entire page devoted to tools, information and statistics dedicated to educate drivers about the severity of this crisis.  So what will it take to reprogram our brains to ignore every little beep, buzz and ring from our cell phones? Well, for starters here’s a few of those NSC statistics for some terrifying motivation:

  • Drivers talking on handheld or hands free devices don’t see 50% of their surroundings
  • 1.6 Million crashes per year are attributed to drivers using their cell phone
  • 1 out of every 4 accidents is caused by texting and driving
  • Using voice to text is actually more distracting than texting
  • 7% of all drivers of cars on the road are on their phone

So why are we seemingly incapable of turning off that need to immediately respond? For many smart phone owners, the answer is addiction. In CNN’s article, “Smartphone Addiction Could be Changing Your Brain” study after study reveals just how addicted many of us are to that digital rectangle in our pockets and purses.  Per a 2010 Pew Research Study half of American adults send or read texts while driving. For 16 to 17 year olds that number increases to one in three. Even walking while distracted has been blamed for putting the walker at ten times the risk of being injured. Distracted drivers combined with distracted walkers simply can’t have a good outcome.

But wait, the term distracted driving isn’t anything new. We’re simply more distracted than ever before. The hashtag #JustDrive has been created to make the point that the only way to keep ourselves and others safe on the road is to do just that…drive. Lest we forget, our cell phones, texts, calls, and social media updates are only one aspect of the driving behaviors that keep us from being focused on…driving. NSC has several links on information to remind us of all those other preventable causes of accidents still exist such as driving drunk, under the influence of drugs and driving while drowsy, not to mention the simple things that take our eyes off the road just long enough to miss a swerving car or a darting bicyclist.  Eating, applying makeup, flipping through a folder, even just changing the radio station are all seemingly benign activities until one day, one second without focus becomes one accident that never should have happened.

We hope that each and every one of you will take this year’s pledge to #JustDrive.  Share your commitment to that pledge on social media with the #JustDrive hashtag. Spread a life-saving message! 

Blog by: Allison Green