Chesapeake Auto Repair

Lease? Or buy? These are the options for Chesapeake drivers. It's always a tough question for auto owners, but here is some info that'll help you make an informed decision.

If you buy, you'll pay the full cost of the vehicle, maybe an initial down payment, monthly payments on the balance that pays down the loan principal, and the finance charge.

Chesapeake drivers who lease finance the portion of the cost of the vehicle that's used up during the term of the lease. You'll pay some money up front: fees, security deposit, first month's payment and maybe a capital reduction. The monthly payments include a depreciation cost and a finance charge. When the lease is up, you return the vehicle to your local Chesapeake area dealership. 

So how do Chesapeake drivers decide?

First, how much do you have for a down payment? A lease usually requires a smaller down payment.

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

A lease needs requires better credit, so that's a factor.

How long will you keep the vehicle? Chesapeake drivers who keep their vehicles around for a while will pay less if they buy. But just two or three years? Then leasing is the way to go.

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

How far do you drive in and around the Chesapeake area? Important to consider because leases have a mileage limit; if you go over, you pay a hefty charge per mile/kilometer when the lease is up. So high mileage Virginia drivers should definitely buy.

Will the car be used in your 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 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 Chesapeake leasers may pay on a higher purchase price than a buyer would.

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

Here's another: With a buy or a lease, if you total the vehicle, you'll owe the full amount of the loan, or the balance of the lease payments. Usually, it's less than the vehicle's fair market value, and that's all your Virginia auto insurance company will pay. But ask your Chesapeake 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 the vehicle manufacturer's recommended service and maintenance or face penalties. So see your local advisor at your Chesapeake auto repair shop  or West Service Center on a regular basis, get the required work done and save the service records. It's well worth it.

West Service Center
904 Cavalier Blvd
Chesapeake, Virginia 23323
757-487-4420
http://westservicecenter.com

Most people in the Chesapeake area are aware that automotive manufacturers have recommended service intervals. Following recommended service intervals is very important. The engineers that design our vehicles have tested the various systems and components to meet durability and safety standards. Some of these standards are self-imposed and others, like those for emissions components, are government mandated for areas in Virginia.

The maintenance schedules are designed to achieve the standards. Think of the benefits of following recommended intervals as falling into three general categories: Protection, Efficiency and Safety.

Protection. Let's start with motor oil. First of all, the engineers recommend a particular weight and type of motor oil for your vehicle. All of their oil change recommendations assume using the proper motor oil. Motor oil contains detergents and other additives that clean the engine and provide corrosion resistance. Over time, the additives are depleted. The oil also becomes contaminated by water, dirt and combustion gases.

Extending your interval beyond the recommendation means that your vehicle engine will be operating without the full protection of fresh motor oil. It also means that sludge can form in contaminated oil and clog up passages in the engine, starving parts from needed lubrication.

Efficiency. Some services are designed to keep automotive systems operating efficiently. For example, the fuel system gets clogged up with gum and varnish from the fuel. Fuel doesn't flow efficiently which reduces fuel economy. A fuel system cleaning restores the fuel system's efficiency and increases your gas mileage.

Safety. Your brakes are a component of one of the most important safety systems on your vehicle. The manufacturer has scheduled brake pad replacement as well as power brake fluid drain and replacement intervals. Because brakes are so important, a brake inspection is also on the schedule to head off problems before they result in an accident.

Check your owner's manual for recommended service schedules or talk with your Chesapeake service advisor at West Service Center by calling 757-487-4420.

You may be surprised to learn that various inspections may be on your list of factory recommendations for your vehicle. These inspections are usually at major intervals like 15,000 or 30,000 miles/24,000 or 48,000 km. They're designed to uncover important parts that may be close to failing.

Your vehicle owner's manual can tell you when to change your oil, but it can't tell you that you have a radiator hose that's bulging and about to burst. For that you need a trained auto technician. These scheduled inspections are in addition to the multi-point inspections done with a full-service oil change.

West Service Center
904 Cavalier Blvd
Chesapeake, Virginia 23323
757-487-4420
http://westservicecenter.com

People near Chesapeake, Virginia, often ask West Service Center how often they should have a particular service done. It's a great thing to ask. You can look at your owner's manual or have your Chesapeake, Virginia, service advisor at West Service Center look up your vehicle in a service database. What you find is often a surprise to people – there are actually two service schedules.

One is the regular schedule and the other is the severe service schedule. Service intervals are shorter on the severe service schedule. When asked, most folks in Chesapeake will say that their driving is normal and that the 'regular' schedule probably applies to them. 'Severe service' sounds pretty extreme – 'I don't drive like that.'

Well, here is what the manufacturers say constitutes severe driving conditions; you can draw your own conclusions.

• Most of your trips are less than four miles (six and a half kilometers).
• Most of your trips are less than ten miles (16 km) and outside temperatures are below freezing.
• The engine is at low speed most of the time – not on the highway. You operate your vehicle in dusty areas.
• You regularly tow a trailer or carry heavy loads.
• You drive with a car-top carrier.
• You do a lot of stop-and-go driving.
• You drive in very hot or very cold weather.

If that's severe driving, what constitutes regular driving? Well, it would look something like this: I live somewhere with moderate temperatures all year round – I'm thinking San Diego here. And I live close to a freeway on-ramp. Everywhere I need to go is right off the freeway, at least four miles (six and a half km) from my home. I can drive at a steady 60 miles per hour (100 kph) when I'm on the freeway.

I don't know about you, but that doesn't sound like my normal driving. It sounds more like ideal conditions. I live where it gets hot in the summer and cold in the winter. I run short errands around Chesapeake. Occasionally we load up for family trips.

For me, normal driving includes elements of severe service driving. So here's what I tell people: think about how you drive, where you live, where you go and what you are expecting to with your vehicle in the near future.

Picture a line with 'regular' on one end and 'severe' on the other, and make a judgment on where you fall. If your regular oil change recommendation is 5,000 miles (8,000 km) and the severe service recommendation is 3,000 miles (5,000 km), when should you change your oil? For me, it's closer to 3,000 miles (5,000 km). For my wife, it's closer to 5,000 miles (8,000 km). Your Chesapeake, Virginia, auto service advisor at West Service Center will be happy to have this discussion with you and help you sort it out.

Just a quick word on why severe service intervals are shorter. One has to do with heat. That can either be external heat from the weather, engine and transmission heat from stop-and-go driving or working extra hard moving heavy loads or towing. The heat causes the fluids like oil and transmission fluid to break down more quickly, and then they aren't as effective.

Another factor is water. Moisture naturally collects in fluids as they cool. In your motor oil, for example, if you don't drive long enough for the oil to fully heat up, the water won't evaporate. Water in the oil can lead to the buildup of damaging sludge.

If you live where the air is dusty or polluted, fluids will become contaminated and filters will get dirtier more quickly.

So make an honest evaluation of your driving conditions. You've made the commitment to take care of your vehicles, so it only makes sense to follow the right schedule.

West Service Center
904 Cavalier Blvd
Chesapeake, Virginia 23323
757-487-4420
http://westservicecenter.com

Every car in Chesapeake, Virginia, is at risk for theft. So it's up to us to make our cars a less appealing target and more of a challenge – hopefully sending potential thieves to look elsewhere.

The National Insurance Crime Bureau recommends a layered approach to protecting vehicles:

1. Common sense
2. Visible and audible devices
3. Immobilizing devices
4. Tracking devices

Let's review each of these. One is common sense; you would be surprised how many vehicles are stolen in Virginia where the keys were left in the ignition with the doors unlocked. Always take your keys and lock the doors. In fact, in some places it's against the law to leave a vehicle unattended with the keys in the ignition.

And don't leave spare keys in the car or hide them outside – because a thief will find them. Chesapeake drivers would be wise to park in well-lit areas that have a lot of foot traffic. If possible, park near the end of a row and near a light. Back your car into a parking space or your driveway to make your car more visible to passersby and harder for a thief to work under the hood without being seen.

People in Chesapeake should know that it's important to roll up their windows completely and avoid leaving their car in public lots for a long time. If you park in a lot that has an attendant, only give them the ignition key.

Keep valuables out of sight; purses, wallets, cell phones, clothes and even change are attractive "smash-and-grab" targets. And pay to have your Vehicle Identification Number, or VIN, etched into your windows – it makes your car less attractive to a thief who wants to send your car to a chop shop.

There are lots of visible and audible devices available for Chesapeake drivers. A steering wheel lock is highly visible and will deter some thieves. Loud alarms can alert you and others that your vehicle is being tampered with. But if your alarm does go off, be careful. Observe what's going on; get descriptions of suspicious people and vehicles, including license plate numbers.

Now, if you catch a thief in the act, call 911 but don't approach the person. Your safety is more important than the car.

And here's a great one - immobilizing devices. They actually shut off your car's electrical or fuel supply. So without a key, or knowing where the hidden switch is located, a thief can't drive your car away.

Finally, drivers can also get a tracking device that allows Chesapeake police to track their car down and recover it quickly.

Remember, where you live, work and drive around Chesapeake, Virginia, has a great impact on your decisions. If you're in an area with high theft rates, you may want to spend more money on security systems. And check with your auto insurance company to see if they offer discounts for adding any of these items.

Of course, the common sense suggestions from West Service Center don't cost anything and go a long way toward keeping your car safe from thieves.

 West Service Center
904 Cavalier Blvd
Chesapeake, Virginia 23323
757-487-4420
http://westservicecenter.com