TOP 10 LEASING TRAPS:
Mileage: Most leases are written to allow a certain number of miles each year. Often, dealers offering low-cost leases cash in by setting this mileage limit low -- say, 10,000 miles annually.
Early-termination tangle: Some dealers lure customers into a new lease by touting their ability to get you out of your existing lease before its term is up. And they can, but you'll pay dearly.
Residual-value: A critical factor in leasing a car is called the residual value -- how much it will be worth when the lease ends. A lower residual value means higher monthly payments.
Down-payment: Many lease ads boast about low monthly payments while hiding a huge down payment figure in the fine print.
Purchase-price: Some dealers try to entice you into a contract by comparing the payments you would make under a lease agreement to the payments you would make to purchase the car.
Price-doesn't-matter: Don't believe that because you're leasing, rather than purchasing a car, you don't need to worry about the price of the car. You do.
Before you sign on the dotted line, you'll want to know the amount of fees, in addition to your monthly payments. These can include acquisition, purchase option and disposition fees. Acquisition fees, sometimes referred to as document fees, are charged at the beginning of a lease. They typically run about $500. A disposition fee is charged when you return the car. As its name implies, this covers the dealer's cost to dispose of the car. These fees usually are several hundred dollars. A purchase-option fee is the amount it will cost to purchase the car at the end of the lease. The exact amount can vary.
Hidden-cost: Don't automatically assume the monthly lease payment you're quoted is the amount you'll actually be paying. It may be quoted without sales tax or license.
Tricky-term: Manipulating the term of the lease is one of the easiest ways for the dealer to get you to accept their deal at an inflated price.
Interest-rate razzle-dazzle: There is no such thing as an annual percentage rate on a lease. It's expressed as a decimal such as .00260. To convert money factor to an equivalent interest rate (APR), simply multiply by 2400.
In cities, towns and remote locations, mini satellite dishes point attentively to the Southern sky. Emblazoned with names like DirecTv, ExpressVu, DirecWay, Web Conferencing, iNetVu, Linkstar, XM Satellite Radio, Sirius Satellite Radio iDirect their numbers are growing at an amazing rate. Shopping around is the #1 way of saving money on car insurance. Are you sure you're getting the best deal possible with your current insurance company? Youve just moved. Are you paying too much for your auto insurance? Your new address makes this the perfect time to find out, as rates can change when you move, and you have to update your policy anyway. Why might your rates change at your new address? Because rates in various locations differ for various reasons. For example, auto insurance rates in rural communities are almost always lower than those in large urban centers. You may be moving to a new state, and your current auto insurance company may not be a licensed insurance provider in that state, or if they are, the rates they offer may be much higher. Certain states have higher insurance rates than others due to the percentage of claims filed. States like New Jersey, Washington D.C., New York and Massachusetts typically have the highest average insurance rates.

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It can also cost more to settle claims in certain areas, and this can add to the cost of your insurance premiums. Expensive cars cost more to repair or replace, and wealthy urban communities will sometimes have higher average car insurance rates. Regardless of whether youre moving to a new state or just across town, now is the perfect time to compare multiple car insurance rates and find the lowest one. Rates can differ by hundreds of dollars from company to company. Insurance rates differ greatly between cars. If the car is safe and performs well in crash tests, is not frequently stolen, and/or has certain safety or anti-theft features, it will generally cost less to insure. If the car is flashier, has a history of being frequently stolen, or is more expensive to repair, you can bet your insurance rates will be higher. Retirement is often a good time to reexamine your auto insurance policy. Many auto insurance companies offer discounts to drivers 55 and over. Ever been chatting with a friend or colleague about car insurance rates and realized that they paid way less than you? While rates can differ from consumer to consumer based on numerous factors, you very well may be paying too much for your auto insurance.
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