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online resource for auto, truck or motorcycle insurance.
with an Attitude - What Does Certification Really Mean?
ow much are you willing to pay for peace of mind? Manufacturer studies say
that consumers will shell out an additional $900 just because there
is a "Certified" stamp on a used car.
But what does that certification actually mean?
Besides additional money, it means that these cars must
pass a high number of inspection points that your typical used car
does not. These inspections insure that your certified used car is
usually in excellent condition. Certified cars cannot be too old or
have over a certain amount of mileage.
Whatís exceptional when it comes to certified cars is
that they come with warranties.
The difference in the warranty of a certified car is in the
administration of claims, the financial stability of the insurer,
and the superior coverage provided. Not only that, but all certified
car care plans include coverage for parts and labor, for wear and
tear, and even rental, towing, and travel/lodging coverage is
Your best bet is a certified car direct from the
manufacturer. A manufacturerís certification typically includes
extra warranties, roadside assistance, low deductibles on repair
work, and even special financing.
A benefit may be offered which a manufacturer will NOT
tell you about. The business manager will often offer you a higher
rate, so you must ask for the EXACT rate of the car you are
interested in. Remember, the business manager is supposed to tell
you this rate, so be persistent.
The downside is that the cost of certification is passed
on to the consumer. You have to decide if the extra cost is worth
Letís look at the pros and cons. On the negative side,
a certified car costs more. On the positive side, itís a great
comfort to have the extra warranty and protection, and to save money
on the special financing that comes with certification. You will
also be able to transfer your warranty if you decide to sell your
certified car to a separate private owner later.
Because there is a trend toward companies offering
certified cars, some financing companies are looking to cash in on
this trend. They offer certification plans that build value into the
car, but they are not as comprehensive or as expert as the
certification you would get buying directly from the manufacturer.
Of course, some certifications from financing companies may be just
as good as the one offered by the manufacturer, but be aware that
not all are the same or offer the same benefits.
When a salesman offers a certified car, find out if
itís from the manufacturer or from another company. Then decide if
itís good enough and worth the extra money.
Whether your certification comes from a financing company
or from the manufacturer, there is a powerful argument for buying a
certified car ó those certified warranties eliminate the main
anxiety of buying a used car.
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