Pittsburgh Car, Truck, SUV, Crossover, Hybrid Automotive Blog

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2015-toyota-tacoma

Settling Your Car loan

One of the reasons it has been easier to purchase a car is through loans that have affordable terms. Rare is the person who will save up money to buy a car using cash up front. With the reality of life and the increasing cost of living, it will be quite a challenge to come up with a large amount of money in a short period of time. The problem with car loans is that it may become a problem altogether if you fail to manage it. One of the usual traps is a financial agreement that spans from seven to eight years.

You may not notice it because of the significant length of time. But a loan with this term will greatly expand the cost of your car. If you do the math, you may find it unbelievable how much money the lender has made out of you. But there are insights and strategies you can follow to make sure that your loan will not spiral out of control. Our team at Baierl Automotive can guide you make informed choices for your intended car purchase.

The Value of Planning Ahead

A wise adage nailed it: if you fail to plan, you plan to fail. Right at the onset, you should be aware that car loans are quite expensive. This is not yet to consider the interest rate that your lender will provide you - and this can change depending on various circumstances. Thus, some would think that it is better to extend their loans so that they can afford the lower monthly rates. But in the larger context, the total cost of your car will dramatically increase. It is still best to manage a loan in the shortest time possible. This will reduce the interest that your loan will incur. One of the best ways to achieve this is to thoroughly plan your expenses. To help you manage your debt wisely, you should have an accurate reference of the money you owe. You should be aware of the due dates in order to allocate the amount you need. This will also help you avoid unnecessary penalties and the likes.

Get to Know the Intricacies of the Loan

Loans will take time before you can pay them off. But there are situations when there are unexpected cash windfalls. Short of saying you"ve won the lottery, there are really times when you will have money. For this purpose, you will immediately think of settling your loan immediately. But this can get tricky, especially if you didn't read the fine print of your loan. There are some financial institutions that will actually charge certain penalty fees for finishing a loan earlier than expected. The thinking is that these firms will stand to lose profits if you prematurely end your loan term. Thus, before signing any financial agreement, make sure to ask the right questions. Inquire to your creditor about potential penalties that you may face should you fail to do something.

Financial institutions that prioritize the welfare of their clients will be happy to assist you about possibilities you can explore to manage your debt wisely:

  1. Reduction of the remaining balance with a single payment
  2. The payment of additional fees to the principal balance to pay less in interest.
  3. Learn the virtue of saving money and budgeting your expenses
  4. Rescheduling of the monthly payment into two smaller payments for the same period of time
  5. Avoidance of payment skipping

There is no magic solution to it. There may be some arrangements you can negotiate to make it easier for you. But here is the bottom line: you borrowed money; you have to pay it back. A worsening car loan is an indication of one's poor financial responsibility. It takes careful planning to effectively map out your finances. Live within your own means. Always devote a significant chunk of your earnings to pay off your debts.

Remember, a mismanaged debt will only incur excess penalties if you neglect it. You have to take charge of the loan and find means to settle it.

Baierl Automotive has years of experience about the car trade. We know the problems most buyers and sellers experience. That's why we make it a point to give guidance especially when it comes to car loans. Our financial experts can lessen your burden with tried and tested methods to help you avoid problems down the road.

Baierl Automotive prides itself in offering all of the following brands: Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, GMC, Honda, Hyundai, Infiniti, Jeep, Kia, Lincoln, Land Rover, Lexus, MINI, Mazda, Mercedes Benz, Mercury, Mitsubishi, Nissan, Pontiac, Porsche, Saab, Saturn, Scion, Subaru, Suzuki, Toyota, and Volkswagen.

Baierl Automotive is located in Wexford, Pennsylvania. Serving North Hills, Franklin Park, Sewickley, Coraopolis, Cranberry, Mars, Zelienople, Butler and all of Greater Pittsburgh, PA. Driven to be better! Phone number is


This entry was posted in Baierl Automotive and tagged Baierl Automotive, baierl financing, car loans, financial institutions, Pittsburgh baierl financing, Pittsburgh car loans, Pittsburgh financial institutions, Pittsburgh settling car loans, Pittsburgh terms of loans, settling car loans, terms of loans on 02/19/2015 at 7:17 PM

Ford Expedition

Leasing and Buying

The automotive industry can be very tricky for beginners. But with expert guidance and thorough research, it can be more manageable to navigate through this field. We at Baierl Automotive can help you make cost-efficient informed choices. If you are looking for more savings, it will make more sense to buy a pre-owned or used vehicle or to lease. These two alternative options make more financial sense than buying a brand new vehicle. But there are pros and cons to both strategies depending on your budget and needs. Baierl Automotive will help you choose which decision will be suitable for you.

The logic of leasing

Advantages: When you have transportation needs for a limited time, whether for business, deliveries or tourism, leasing may be a better alternative. You will only need the to pay the vehicle only during the times when you need it. There is typically a leasing period for such deals and when the agreement expires, you will simply return the car back to the dealership or renew the existing agreement. If you have grown very accustomed to the vehicle and you have the means, you also have the option to purchase it. You don't need to invest a tremendous amount just to be able to use a car. Some leasers even allow you to take the vehicle home even without putting any money down first. Lastly, during the entirety of the agreement, you are still covered with all the needed protections and warranties because the car is still the property of the manufacturer no matter what happens.

Disadvantages: On the other hand, if you are not able to abide by the policies of the dealer and the lessor, you are responsible for paying the additional costs for repair. Even though the vehicle is not officially yours, it is still your duty to maintain the vehicle in good condition. Another downside is if you want to break away from the leasing contract even though it has not expired yet. Under such circumstances, you will have to pay a huge sum to offset the early termination penalty. You need to be careful in reading the fine print as well. Some contracts have mileage restrictions. This means you will have to pay an extra amount if you will go beyond your distance cap. This can be really annoying if you plan on taking long trips.

Purchasing Pre-Owned Vehicles

Advantages: Second hand vehicles are typically less expensive than their brand new counterparts. The negative aspect of owning a car is that its value does not improve over time similar to real estate. The truth is that it depreciates as soon as you take it out from the dealership. Therefore, you have to understand that you stand to lose about 30% to 50% of the original price as soon as you decide you want to sell it. You are also entitled to do any type of modifications in your vehicle as soon as you have finished financing the car. By then, you will now become its owner with all the complete documentations. You will have no restrictions when it comes to how you will use your vehicle. Unlike leasing agreements, there will be no mileage caps to take into consideration.

Disadvantages: You have to be observant and thorough when buying a pre-owned vehicle. Take time to study the documentations and registration papers to gauge the history of the vehicle. Did it sustain any serious structural damage from a crash? Did it experience floods or any similar natural phenomena? The financial investment it takes to purchase a car is immense. Thus, you can't simply let anything to chance when making a decision. You need to cover all bases to make sure that you are getting a decent vehicle in this transaction. Another potential problem is the availability of spare parts for old vehicle models. Although pre-owned cars will be in tip-top shape when you will buy it, you may encounter problems down the road and you may not have the sufficient spare parts to sustain its repairs.

Buying a pre-owned car will also require a huge down payment followed by significant monthly payments as well. You also have to ensure that you have the funds for such a major transaction. Typically, dealerships have flexible financial terms; you only need to consult with them to determine which deal is best for your situation.

Baierl Automotive has years of experience when it comes to the automotive industry. We are happy to help you decide if it's better to lease or to purchase pre-owned vehicles. Visit us and we can guide you about the necessities you need to learn when buying a vehicle.

Baierl Automotive prides itself in offering all of the following brands: Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, GMC, Honda, Hyundai, Infiniti, Jeep, Kia, Lincoln, Land Rover, Lexus, MINI, Mazda, Mercedes Benz, Mercury, Mitsubishi, Nissan, Pontiac, Porsche, Saab, Saturn, Scion, Subaru, Suzuki, Toyota, and Volkswagen.

Baierl Automotive is located in Wexford, Pennsylvania. Serving North Hills, Franklin Park, Sewickley, Coraopolis, Cranberry, Mars, Zelienople, Butler and all of Greater Pittsburgh, PA. Driven to be better! Phone number is


This entry was posted in Baierl Automotive and tagged Baierl Automotive, advantages buying, advantages leasing, baierl financing, Car Buying, car leasing, disadvantages buying, disadvantages leasing, leasing vs. buying, Pittsburgh, Pittsburgh advantages buying, Pittsburgh advantages leasing, Pittsburgh baierl financing, Pittsburgh Car Buying, Pittsburgh car leasing, Pittsburgh disadvantages buying, Pittsburgh disadvantages leasing, Pittsburgh leasing vs. buying on 02/15/2015 at 8:16 PM

2014 Scion tC

Gap Insurance

When a person decides to buy an automobile, one of the additional expenses that one expects is the cost of insurance. But there are many prospective clients who are easily lost in the fine print details of insurance. Our team at Baierl Automotive can guide you through this tedious process with our years of expertise in the vehicle market. One of the optional coverage that should attract your attention is the GAP Insurance, an abbreviation that means Guaranteed Auto Protection or Totaled Insurance. Depending on your preferences, vehicle usage and means, this optional insurance coverage may prove to be helpful for you.

What does the Gap Insurance actually provide those who subscribe to it? How will it benefit us? Baierl Automotive gives a lowdown of its features.

What is GAP Insurance?

GAP Insurance is a type of coverage that will shield a buyer from a potential debt that one may incur when the car gets totaled. As a rule of thumb, a car will depreciate in value the moment you purchased it. No one will buy a car from you for the exact amount that you purchased it with. By then, if the vehicle was under a financing scheme (possibly through an auto loan, bank loan or in-house financing), the GAP insurance will answer for the current value of the car and not the amount you owe the financing firm. This is a contingency plan to avoid a situation where you'll have more debt than what you originally had. The GAP insurance will then come in and pay the remaining amount so that you don't have to shell out money any further.

Assessing the Necessity of a GAP Insurance

But is the GAP insurance really necessary?

Not all pre-owned vehicles need to be covered by this type of insurance. The only sure situation where there might be a need for this is when you will be purchasing the car under a financing scheme. If you will pay the full amount in cash, there will be no actual need for this. But if you are under a long-term financial commitment, think about this. What will happen to you in the event that your car gets written off or stolen? You will still have to pay your financer the amount you still owe them? The GAP insurance will help soften that blow. It will use the current market value of your car and match it with your existing debt.

Without the GAP insurance, the potential consequence to you would be negative equity. You will owe a debt that is more that the amount that you really owe. This is a reality that you may face if you bought a vehicle that quickly loses its value through the years. This may also happen if you only made a small down payment and the structure of your financial scheme focuses on a balloon payment. This is a big lump sum at the end of the deal that a financer anticipates to make.

Other circumstances that may thrust you into this situation would be when you are paying a high interest rate or if you are paying it over a longer period of time. But how will you know if a GAP insurance is not suitable for you? If you are the first registered owner of the vehicle and it has only been with you for a year, you may just be in luck. Many comprehensive car insurance policies provide a new car replacement feature if the car has only been with you for less than 12 months of old. If your financial agreement has also stipulated that it will cover for the book price (actual and official value of the car) and the amount you will pay, a GAP insurance will also appear redundant.

Reading the Fine Print

As with any complicated agreements, you must be thorough in reading what you will be signing. There are certain situations that may not be covered by the GAP insurance. If you have been negligent of your financial obligations, the main car insurance company may deduct penalties from you. The GAP insurance will not cover this. There may also be a cap amount for the insurance. If you go beyond this amount, the insurance may not be applicable already. Other non-standard items that you may have added in your vehicle may not be covered by this insurance as well. It will not also settle other insurance premiums and warranty charges.

Baierl Automotive will be happy to assist you as you tackle more questions in the buy and sell market for vehicles. It has been our commitment to provide factual guidance and strategic counseling for prospective buyers and sellers of vehicles.

Baierl Automotive prides itself in offering all of the following brands: Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, GMC, Honda, Hyundai, Infiniti, Jeep, Kia, Lincoln, Land Rover, Lexus, MINI, Mazda, Mercedes Benz, Mercury, Mitsubishi, Nissan, Pontiac, Porsche, Saab, Saturn, Scion, Subaru, Suzuki, Toyota, and Volkswagen.

Baierl Automotive is located in Wexford, Pennsylvania. Serving North Hills, Franklin Park, Sewickley, Coraopolis, Cranberry, Mars, Zelienople, Butler and all of Greater Pittsburgh, PA. Driven to be better! Phone number is


This entry was posted in Baierl Automotive and tagged Baierl Automotive, baierl financing, car loans, GAP Insurance, Pittsburgh, Pittsburgh baierl financing, Pittsburgh car loans, Pittsburgh gap insurance, Pittsburgh pre-owned vehicles, pre-owned vehicles on 02/13/2015 at 7:56 PM

Ford F-150

Photographing Vehicles

As the old saying goes, a picture can paint a thousand words. The same is true for the automotive industry. Many buyers and sellers have sealed deals or lost transactions on account of a flattering or flattening image in a vehicle advertisement.

It's non-negotiable. To garner attention in a very competitive automotive market, it is important to capture the best angles of your vehicle. Through our years of dedicated service, we at Baierl Automotive have learned a thing or two about taking the right pictures. We'll share here some of the lessons we have learned:

Best Foot Forward

Pictures will never lie. This is why it's important to maintain your vehicle in its best state so that the photograph will simply reflect its excellent condition. If your vehicle listings have been idle and getting no response at all, maybe prospective clients didn't like what they saw in your pictures.

A few basic reminders: clean your car thoroughly from the exteriors to the interiors. Polish it with the best wax you can afford. Make the tires shine with the blackest sheen you can find. It's all in the packaging.

As they say, it is important to always put your best foot forward. We at Baierl Automotive advise you to take it a notch higher: use that best foot to step hard on the pedal. Accelerate ahead of your competitors

Various Perspectives

Give your prospective buyers a good sense of your vehicle. They may not be able to see it personally at first; thus, use this to your advantage. Use at least six varying perspectives of your vehicle. In every shot, make them imagine that they are the ones driving your car.

While it is important to always highlight the strengths of your pre-loved vehicle, prospective clients will always be on the lookout for the weaknesses or issues of your vehicle. They will always ask your reason why you are selling the vehicle. They may also inquire about the history of your usage and if there are dents, bumps and scratches you may have incurred throughout the years.

Don't worry too much about the imperfections of your vehicle. Simply be honest and your prospective clients will appreciate it. Besides, if a deal is too good or too cheap to be true, it probably is. Do not let your clients entertain the thought that you are just scamming them with stolen photos.

Time is of the Essence

High-tech cameras are now readily available to everyone, including amateurs who don't bother to read instructional manuals. No matter how advanced the pixels are in a camera, if you take photos in the wrong time of day, your output may just suffer.

The best time to shoot images would be the fleeting minutes after sunrise or before sunset. The light during this time of day is very soft and will add complexity to your vehicle photographs.

Avoid the mighty sun especially during noon. You'll only get undesirable glares and overexposure. Not to mention how it can be very dehydrating to shoot under the hot sun.

Reflections are factors that you must contend as well. Think about this: you"ve invested in a good car body polish wax to make your vehicle reflect light well. But then you realized you did not pay attention to what was in that reflection. It could be garbage or it could be a photo bombing kid. Needless to say, it will affect the value of your vehicle.

Speed and Movement

Browse around various vehicle listings and you'll see a lot of images of stationary cars. But a vehicle is built for speed and movement. To capture the essence of your vehicle, it is best to capture it while moving.

The camera settings may become tricky. Lighting conditions should be favorable and your camera should have a high shutter speed so that it can still focus well even though you are moving.

Your safety is of paramount importance as well. In order to excellently capture a moving vehicle, you would have to be in a moving position as well. Take care with your movements in order to avoid accidents.

Color and Background

Colors interact with other colors differently. You have to be mindful of your surroundings when taking photographs of your vehicles. Carefully consider your background as well because this will be part of the story your image will be telling.

Lastly, have fun while taking your photos. It's your experience that will matter most in the end.

It will also work wonders if you will partner with the best minds in the automotive industry. At Baierl Automotive, we know the inside track about the market for pre-used vehicles. Let's help each other.

Baierl Automotive prides itself in offering all of the following brands: Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, GMC, Honda, Hyundai, Infiniti, Jeep, Kia, Lincoln, Land Rover, Lexus, MINI, Mazda, Mercedes Benz, Mercury, Mitsubishi, Nissan, Pontiac, Porsche, Saab, Saturn, Scion, Subaru, Suzuki, Toyota, and Volkswagen.

Baierl Automotive is located in Wexford, Pennsylvania. Serving North Hills, Franklin Park, Sewickley, Coraopolis, Cranberry, Mars, Zelienople, Butler and all of Greater Pittsburgh, PA. Driven to be better!


This entry was posted in Baierl Automotive and tagged Baierl Automotive, Baierl tips, photographing cars, Pittsburgh Baierl tips, Pittsburgh photographing cars, Pittsburgh vehicle perspective, Pittsburgh Vehicle photos, vehicle perspective, Vehicle photos on 02/02/2015 at 5:58 PM

2014 Subaru BRZ

Best Cars for Your Commute

Planning to take a long journey on the most unforgiving, and bumpy Pittsburgh roads on the planet? Then you need to take the toughest and most reliable road buddy with you. Driving through terrible potholes and rough terrains can be hassling when your car is not suited for the route. With this, we at Baierl Automotive have listed five cars that can withstand extreme rough road adventures. Read on.

Subaru BRZ

Externally, it looks luxuriousùlike a diamond that you could not bear to see a speck of mud on it; but this sleek Toyota does not care so much wherever you may want to take it. This is a four-seater sports coupe with a design that is similar to Lexus LFA. It runs of a 2.0L boxer petrol engine and have strong brakes enough to take care of bumpy terrains. Judging on its performance level, the Subaru BRZ can offer more than 6000rpm and 0-100kmh sprint within 7.5 seconds.

Subaru Forester AWD

This car is intimately and purposefully designed for harsh-off road commutes. It has a drive and power that can sustain slippery areas. Its traction and pulling force is also compelling; thus, you don't have to worry about having the Subaru Forester AWD get stuck in the mud. The external features are also crafted and well thought of so that it can handle tough weather conditions.

Nissan Xterra

If stability, great traction, and rough road reliability are what you are looking for, the Nissan Xterra is a perfect choice. Laden with safety gears, this 4WD is in for whatever venture you have in mind. It runs on a 2.0L petrol engine and offers spacious cargo and leg room for everything and everyone to fit in the Xterra.

Suzuki Grand Vitara

Despite its massive built, the Vitara is a light and manageable vehicle that is up for dirt roads and bumpy streets. It offers huge cabin and avant-garde entertainment system, two of the most necessary features of a highly reliable rough-road commute buddy. This latest Urban runs on a 2.4L petrol engine, which is good for long distance driving. Not only does this car offers robustness on the road, but it is also wallet-friendly with a starting price of $26,990.

Ford Escape Hybrid

A green, undemanding, and robust car, the Ford Escape Hybrid can be every car you have ever dreamt of. Add to that is its ergonomic appeal and user-friendly navigation controls that easily wins the heart of every Pittsburgh car buyer. And when talking about fuel economy, this hybrid car cannot be outperformed. It offers close to 30mpg in real world driving.

Baierl Automotive prides itself in offering all of the following brands: Acura, Audi, BMW, Buick, Cadillac, Chevrolet, Chrysler, Dodge, Fiat, Ford, GMC, Honda, Hyundai, Infiniti, Jeep, Kia, Lincoln, Land Rover, Lexus, MINI, Mazda, Mercedes Benz, Mercury, Mitsubishi, Nissan, Pontiac, Porsche, Saab, Saturn, Scion, Subaru, Suzuki, Toyota, and Volkswagen.

Baierl Automotive is located in Wexford, Pennsylvania. Serving North Hills, Franklin Park, Sewickley, Coraopolis, Cranberry, Mars, Zelienople, Butler and all of Greater Pittsburgh, PA. Driven to be better!


This entry was posted in Baierl Automotive and tagged Baierl Automotive, Ford Escape, Nissan X-Trail 2WD, Nissan Xterra, Pittsburgh Ford Escape, Pittsburgh Nissan Xterra, Pittsburgh Subaru BRZ, Pittsburgh Subaru Forester, Pittsburgh Used Ford, Pittsburgh Used Ford Escape, Pot Holes in Pittsburgh, Subaru BRZ, Subaru Forester, Subaru Forester AWD, Suzuki Grand Vitara, used ford, Used Ford Escape on 11/18/2014 at 8:10 PM

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