How do you know if an odometer is telling the truth?

Well, back in ‘86, Congress passed the Truth-in-Mileage Act to protect New York consumers against mileage fraud. It says a New York seller must certify the mileage reported is the Actual Mileage.

To have your odometer checked in Baldwin Place New York, stop by Osceola Garage:

Osceola Garage
44 Route 118
Baldwin Place, New York 10505
845-628-7900

If it isn’t, the seller must say why; like maybe the odometer is past its mechanical limits. Some older odometers only go to 99,999 miles and then start over at 0. Or, the odometer has been tampered with, broken or replaced.

If the seller tells you the mileage isn’t accurate, there’s not much chance of putting a good number to it; And there’s the unscrupulous seller who claims the reading is true, but it’s not so. What can you do?

First, you can go to www.CarFax.com, where for a small fee, they’ll give you a comprehensive vehicle history search on your Toyota, showing local Baldwin Place New York ownership history, accident reports, total-loss events, Manufacturer buybacks, Lemon reports and warranty status.

You can get a mileage history by checking with the local Baldwin Place New York DMV (or wherever you happen to be) and other verified sources looking for inconsistencies in the mileage reported when the car’s bought and sold. If there are signs odometer rollback, now you’ll now.

If so, proceed with caution. Or, negotiate a lower price. Or just walk away. There’s always another.

Lease? Or buy? It’s always a tough question for residents in the Mahopac area. But here are a few ideas that’ll make the choice more clear.

Either option gives you a choice of how you might finance your car. If you buy, you’ll pay the full cost of the car, with maybe an initial down payment, then monthly payments on the balance that pays down the loan principal, and the finance charge.

If you lease, you’re financing the portion of the cost of the car that’s used up during the term of the lease. When the lease is up, you return the car to your local Mahopac area dealership. You’ll pay some money upfront; fees, security deposit, first month’s payment and maybe a capital reduction. The month payments include a depreciation cost and a finance charge.

So how do you decide?

First, how big a down payment can you make? A lease would require a smaller down.

How much monthly payment can you afford? Again, lease payments will be much lower for any given down payment.

A lease needs you to have better credit, so that’s a factor.

How long will you keep the car? If you tend to keep your cars around for a while, buying is cheaper. But just two or three years? Then leasing is the way to go.

Osceola Garage
44 Route 118
Baldwin Place, New York 10505
845-628-7900

If your car might suffer a ding or two, like, say a work truck would, then buying’s better. The leasing company will want their merchandise back at the lease end in tip top shape, and if repairs are needed, you’ll pay.

How many miles do you drive in and around the Mahopac area? Important to consider because leases have a mileage limit, and if you go over, you pay a hefty charge per mile when the lease is up. So high mileage means a buy.

Will the car be used for business? Check with your accountant, but both financing options have different tax benefits, depending on your circumstances.

Over the short term, leasing is much cheaper. Medium term, leasing and buying costs are about the same. Over the long haul, leasing is always costs more.

Leases may sound a bit complicated, and the typical lease decision weighs more on the monthly payment, rather than price. So sometimes leasers may pay on a higher purchase price than a buyer would.

Here is a tip: If a salesman asks if you’ll be leasing or buying, say you’re not sure yet. Make your best deal, then look at financing options.

Here’s another: With a buy or a lease, if you total the car, you’ll owe the full amount of the loan, or the balance of the lease payments, and usually, it’s less than the car’s fair market value – and that’s all your insurance company will pay. But ask your agent about gap insurance, which pays the difference between fair market value and what you owe. Big consideration for a lease.

Remember, you have to return your leased vehicle in excellent condition, and may need to do all manufacturer’s recommended service and maintenance, or face penalties. So see your local Mahopac service center on a regular basis, get the required work done and save the service records. It’s well worth it.

We’ve all seen people do crazy things while driving to or from Mahopac. A guy shaving in the rear-view mirror, a woman applying makeup, people talking on their phones, texting or drinking from an enormous coffee mug. All of these are an accident waiting to happen.

The truth is everyone in Mahopac New York is distracted when we drive. Traffic, road construction and other things outside the car are beyond our control. But the distractions inside our car are things we can often control.

Here’s some things that’ll give you more control in your car, and help keep your attention on the roads around Mahopac New York.

• Drivers who are 16 to 20 years old tend to be more distracted by the radio, CD or MP3 player.
• Drivers who are 20 to 29 are more distracted by passengers in the car, including small children.
• And those over age 65 tend to be more distracted by objects or events that are outside of the vehicle.

Other factors like fatigue, stress and lack of sleep make it harder to pay attention to driving – no matter what age we are. People are also distracted by thinking about relationships, family issues, money and bills. So what can we do to manage these distractions? Well, the first thing is to eliminate as many as we can.

When you get in your car, make sure you’re belted in; that the seats, steering wheel and mirrors are adjusted; and your radio or CD player is ready.

Secure any loose objects in the car that can fall on the floor and interfere with your driving.

If you have a drink, make sure it’s spill-proof and put in a cup holder. Pets should also be contained.

If you’re riding with kids, make sure they’re wearing seat belts or secured in safety seats. You may want to give em some distractions to keep them quiet and sitting in their seats. Don’t get involved in their arguments while you’re driving. Pull over if you need to find a toy or break up a fight.

If you eat while driving, keep it to simple finger foods that aren’t messy.

Learning your car’s controls before you drive is another way to improve your safety. Know how to work the radio by touch. The same goes for heating and air conditioning controls.

If you have to use a cell phone, a hands-free system is best. But remember, the biggest cell phone distraction isn’t the phone itself – it’s the conversation. Keep conversations brief and light, or pull over if you can. Your reaction time is much slower when talking and driving, so allow more space between you and the car ahead of you. Know your local laws – it may be illegal to be on the phone or text in the Mahopac New York area.

And if you really think you have to shave, change your clothes or put on make-up while driving – you’re wrong. Just start getting ready earlier so you have enough time to finish those things before you drive into Mahopac New York.

Osceola Garage
44 Route 118
Baldwin Place, New York 10505
845-628-7900

Remember, driving is probably the most dangerous thing you’ll do all day – so don’t make it any worse. Use these tips to keep you and your loved ones safer behind the wheel.

No matter how well they’re made, cars are bound to have problems with their design or manufacturing. When the government thinks a problem is really serious, they require the manufacturer to issue a recall notice to Baldwin Place residents and to fix the car free of charge. The manufacturer then tries to contact everyone who owns that type of car in Baldwin Place and elsewhere until the work is done.

If you have questions about vehicle recalls, give us a call:
Osceola Garage
44 Route 118 Baldwin Place, New York 10505
845-628-7900

These recalls always affect safety, so you need to take them seriously. It’s really easy to find out if a vehicle is being recalled. For links to government sites, look in the AutoNetTV website.

Other website include: carfax.com; autobytel.com; and dmv.org. All of these sites have free recall searches.

Recalls are pretty serious and don’t happen all that often. But sometimes cars have less serious problems that you still might want to know about. In this case, manufacturers issue what is known as a Technical Service Bulletin – or TSB. These bulletins tell service centers how to repair a problem that occurs frequently or is especially difficult.

The pros receive updated information through subscription plans, which are sometimes available in consumer versions too. You can buy access to these for an annual fee.

Whatever your source, pay attention to vehicle recalls to keep you and your passengers safe.