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February 16, 2009

The Steering Wheel: Your Car’s Most Overlooked Part

Filed under: Car Info — Tags: , , — admin @ 4:56 pm

The Steering Wheel: Your Car’s Most Overlooked Part

Today, we’re going to spend time discussing one of the most overlooked car parts that is taken for granted by nearly all drivers. Ironically, this particular part of your vehicle is in constant view, as opposed to the transmission, engine, and alternator. What’s more, your hands are always upon it, actively engaged in using it. Below, we’re going to explore your car’s steering wheel.

Looking Beneath The Surface

For a component that we use every day, the majority of drivers know very little about their car’s steering wheel and how it works. A lot of motorists believe they’re familiar with the part, but their understanding is actually limited to the portion they can see. When pressed, most people don’t have a true grasp regarding how the part contributes to their ability to control their vehicle.

Admittedly, there aren’t many practical benefits to learning about how this components works other than being able to understand your mechanic when he’s talking about it. In my experience, it rarely fails. When there is a problem, it is usually related to a lack of fluid rather than a failure of the part itself.

Counterintuitive Design

The steering wheel points the front tires of your vehicle in the opposite direction in which you’re turning. Initially, the design seems counterintuitive. But, upon close inspection, the system has an elegant logic. Since rack and pinion systems are quickly becoming the most prevalent type installed in late model vehicles, we’ll explore how they work.

The basic design of the rack and pinion gear set are enclosed within a metal tube. Each end of the rack protrudes from this tube along with a rod (which is commonly called the tie rod) that connects to each end of the rack.

The pinion gear is attached to a steering shaft and when you turn the wheel, the gear spins and moves the rack. The tie rod at each end of the rack then connects up to the steering arm on the spindle. Once this occurs, the rack and pinion gear set does two important things. First, it converts the rotation motion of the steering wheel into the linear motion that is needed to turn the wheels. Ultimately, that allows you to steer your vehicle in the direction you need to go. Second, the gear set provides a gear reduction which makes it easy for you to turn your tires.

A Small Portion Of A Larger Education

As I suggested above, this explanation is mostly academic. Steering wheels do not typically fail. Plus, as technology continues to expand, the parts that contribute to the steering function of your vehicle are becoming more and more reliable. The key is to have a basic understanding regarding how the part works. In the event that you purchase a replacement, you’ll have the confidence of knowing the fundamentals behind the function.

For all your Steering Column Parts and Steering Gear Box Parts needs consider the leader in parts, http://www.everdrive.com

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February 10, 2009

Getting An Auto Loan In The Current Economic Crisis

Filed under: Car Info — Tags: , , — admin @ 11:47 am

Getting An Auto Loan In The Current Economic Crisis

It seems as if each new day brings more bad news on the economic front. As you know, the financial crisis has tightened credit markets. To auto dealerships, that means lower sales. To consumers, it means that it can be difficult to get a car loan. But, it’s important to realize that the credit markets are not completely closed. You can borrow money to purchase a new vehicle. In this article, I’ll describe the current state of the auto industry in the context of how hard it is to get an attractive car loan.

Understanding Automakers’ Willingness

It may be hard to tell from watching the news, but automakers are eager – even desperate – to find prospective buyers for their vehicles; and they’re willing to offer financing terms for buyers with a reasonable credit score. In fact, because dealerships are in financial dire straits, a lot of them have begun offering attractive incentives in order to move their inventories. If your credit is good, now may be the most opportune time in years to purchase a new model.

Current Financing Rates

As you would expect, interest rates on auto loans are heavily dependent upon your credit score. Rates always change, so the numbers I’m providing are likely to move up and down. That said, I’ve been noticing that financing rates plummeting over the last few months.

If you’re in the top bracket with a credit score above 720, you should be able to find bank-supported auto financing at less than 6.7% If you’re at a credit union, you might be able to secure a rate below 6%. Once your score dips below 670, rates start moving up significantly. For example, a car loan with a 60-month term at your bank might be set at 11% (credit union financing might be set at 9%).

The Trend Against Leasing

In the past, millions of people considered leasing a vehicle rather than purchasing one. You could count on getting more for your dollar through a lease. However, the current economic climate has had an unanticipated effect on the auto leasing market: it has become much tighter. Most of the automakers have begun to restrict the number of cars they make available for leasing. Those people who have become accustomed to driving vehicles they couldn’t afford to buy have little choice but to downsize their expectations to fit their budget.

The important point is that it is still possible to secure financing for a new vehicle. Despite the prolonged lull in consumer confidence and the recent challenges in the credit market, you can get a car loan. The key is making sure that you’re creditworthy and then approaching the dealer or your bank. For a lot of consumers, the current financial crisis may be the perfect time to get an attractive deal on a new car.

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