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Buying a car can be overwhelming; in fact, the pleasure of getting a new car can be quickly clouded during the financing decision-making process and price negotiations. Besides price haggling, many car shoppers are plagued with the decision to lease or buy. Which financing decision is right, and why?

  • Buying – The Benefits: By far, the greatest benefit of buying a car is that you may actually own it one day. Implied in this benefit is that you’ll one day be free of car payments. The car is yours to sell at any time, and you are not locked into any type of fixed ownership period.
  • Leasing – The Benefits: Perhaps the greatest benefit of leasing a car is the lower out-of-pocket costs when acquiring and maintaining the car. Leases require little or no down payment, and there are no upfront sales tax payments. Additionally, monthly payments are usually lower, and you get the pleasure of owning a new car every few years.

When it comes to whether to buy or lease a car the options can be confusing. To help you make an informed decision we have provided the information below, we hope you find it informative and useful. I understand that this post looks a bit lengthy, but I promise it is good information and worth the read!
Blog_Lease or Buy
Step 1: There is a selling price whether you buy or lease your next car. You can negotiate the selling price even if you are planning to lease, just as you would if you were planning to buy.
Step 2: If you were to put the same exact amount of money down on a leased car and on a financed car, the lease payment would typically be lower than financing. This is one of the biggest draws of leasing; you can get more car for your money. With a lease payment, you’re only paying for the car’s depreciation during the term of your lease, whereas with a loan payment, you’re paying for the entire purchase price of the car.
Step 3: If you own your own business, and the car you are considering will be used for business purposes, you can write-off most, if not all of the payments by leasing. If you buy, you can only write-off a portion of the depreciation or take the mileage deduction. We recommend you consult with your tax professional about the write-off.
Step 4:  Generally speaking, it is harder to get approved for a car lease than it is for a loan. So make sure to check your credit and see if you qualify.
Step 5:  A car lease will have an annual mileage cap. The norm is between 10,000-15,000 miles. Once you go over the specified mileage on your leasing contract, you will incur mileage charges. If you think you will go over the mileage cap, we recommend that you pre-pay for the additional miles at the time of signing, because it’s typically cheaper to pre-pay rather than to pay at the end of the lease. When you buy, there are no rules on mileage, the car is yours to drive as little or as much as you like.
Step 6:  There’s less commitment when you buy than when you lease a car. When you buy, you can drive the car till the wheels fall off, or you can sell it or trade it in at any time and pay off the remainder of your loan. With a car lease, if you want to end your lease before the term is up, you will incur costly early termination fees.
Step 7:  Most leased cars are under warranty for the duration of the lease, so repair costs are minimized, which is nice perk. Some brands like BMW and Toyota also offer free maintenance programs during all or part of their lease agreement, which means that all you need to worry about is putting gas in the car. Keep in mind that manufacturer warranties differ in length and coverage.
Step 8: Leasing a car gives you more flexibility when it comes to getting rid of your old car. Unless you actually drive your car till it dies, you will have to deal with selling or trading it in at some point, which can be a hassle. Whereas, at the end of a lease term, you can: 1) Turn in your car, and either buy another car, lease another car, or re-lease from the same brand; 2) Buy the car you were leasing for the predetermined residual value on your lease contract; or 3) Buy the car you were leasing and sell it to a third party for profit (if your car is worth more than purchase price offered on your lease contract). Because the used-car market has been so strong the last couple of years, some consumers can actually make money by buying and then selling their leased car for more than the residual value of the car.
Fact #9: Customizing is not advisable with a lease. Generally speaking, you can do it, but at the end of your lease, you will have leave the customizing and lose your investment or remove any custom parts you have added. (If removed, you have to pay any damage to the car from the modifications you made.)
Fact #10: Reasonable wear-and-tear is expected and is written into a car lease contract. A lease contract will also specify what is considered “excessive.” It’s safe to say that if you return your leased vehicle with scratches, dents, worn tires, or other not-yet-repaired damages, you will be billed for those repairs. So, although there is no written contract, you will need to be mindful of the condition of your vehicle if you plan to resell.

The decision to lease or buy will always depend on your personal circumstances. If your objective is one day to be rid of pesky little car payments and you actually want to take ownership, buying a car may be the best option. If, however, if your goal is to drive a new set of wheels every three to four years and minimize your monthly costs, leasing a car may be a good alternative.

OBrien Automotive Family Celebrating 80 Years in the Business_small The O’Brien Automotive Family of dealerships are one of central Indiana’s best source for new Chrysler, Jeep, Dodge, Ram, FIAT, and Toyota & Scion brand vehicles along with a large inventory of pre-owned vehicles & Factory Certified Pre-Owned. Our goal is to make as many central Indiana customers as satisfied as possible when it comes to selection and competitive prices. We welcome you to stop by one of our convenient locations, call us at 317-534-2256, chat online (Indianapolis location Chrysler Brands – Greenwood location Chrysler Brands * FIAT Brand  / Toyota & Scion Brands), or submit a request make an appointment to test drive your next vehicle today. Check out our lease specials by visiting this page. If you should  have any questions, please give us a call!  If you do not see the particular vehicle you were hunting for on the internet lease specials list, don’t fret. Simply call:

“Our family works for you.
Since 1933.”

Your leading Greenwood, Franklin, Indianapolis, Carmel, Plainfield, Avon, Lawrence, Anderson, and Noblesville Chrysler Jeep Dodge Ram FIAT Toyota and Scion Dealers!

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I left the dealership this past Friday, and hadn’t gone a mile until my “low tire” light came on. Don’t know how you would react, but my heart sank. So, I thought I would provide some insight about this feature. I had not given it any thought, but vehicle manufacturers began to phase in TPMS beginning in the 2006 model year and were required to install it in all vehicles manufactured after September 1, 2007.  I talked to one of our Service Advisors and asked for him to explain to me how the feature works: There are two kinds of monitoring systems direct and indirect. To keep it short and sweet, the direct system monitors the actual pressure in the tire while the indirect system uses existing sensors in the ABS system which watches wheel speed to detect smaller tire diameter caused by under-inflation.

So, the culprit that caused my light to come on? When the temperature outside the tire changes, it will affect the pressure inside the tire. In the fall, the colder weather will significantly lower your tire pressure. If your tire pressure has been set during the hot summer months, the first major cold wave will cause the air to contract inside your tire, lowering the pressure, thus setting off your TPMS.

 

 

Word of advice: To alleviate that annoying tire light, check your tire pressure monthly, during the morning, when tires are cold. During this time, make sure all tires are at the PSI indicated in your manual. Additionally, you might consider replacing the air in your tires with nitrogen. My Service Advisor explains: by using nitrogen the molecules are larger than oxygen molecules. Seepage is thus reduced through the tire walls and where the tire meets the rim. Any moisture in the tire is also eliminated, which can affect inflation.

Questions about using nitrogen vs air in your tires? Check with one of our Service Advisors at your next Express Lane Service visit – no appointment needed!

Or, Schedule your appointment today…. CJDR Greenwood location / CJDR Indianapolis location / Toyota Scion location.

Your friends at O’Brien Automotive Family!
“Our family works for you. Since 1933”

Your leading Greenwood, Franklin, Indianapolis, Carmel, Plainfield, Avon, Lawrence, and Noblesville Chrysler Jeep Dodge Ram FIAT Toyota and Scion Dealer!

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I just saw this short article in our Chrysler Newsletter about the NHRA Nationals Event that was held in Colorado, and realized that our local track, Lucas Oil Raceway in “Indianapolis” would soon be hosting some of the BEST events of the year! What does that mean? Mark your calendars, save the dates – 3 great events are coming up!


I live in Brownsburg or “Nitro Alley”, just a short jaunt ‘down the road’ from the track. Weather permitting, when the windows in our kitchen are open; I can hear the dragsters and the roar of their engines! Call me weird, but even at 60+ years old, this sound is ”music to my ears”. This .686-mile oval hosts several premiere events during the course of the year and welcomes racers that are starting to hone their skills as well as those in some of the top levels of motorsports. Talk about fan traffic!

What are the upcoming events that should be saved to your calendar? Check them out!

Event #1: SpeedFest is “just around the corner” and will take place at the track on July 26-27 and will feature ARCA, USAC Midgets and Silver Crown along with the CRA Super Series.

Event #2: The grand-daddy big event to hit the track is the 58th annual Mac Tools U. S. Nationals held on Aug. 29-Sept. 3.

The Mac Tools U. S. Nationals is the world’s largest and most prestigious drag race and fans from across the globe will make their annual mecca to Lucas Oil Raceway to watch the stars of the Full Throttle Drag Racing Series battle for the most coveted trophy in all of drag racing. We are talking AWESOME
You have GOT to check out this video!

Event #3: The newest and fastest growing event to keep an eye one is the Monster Mopar Weekend which will visit the facility on Sept. 21-23.

Fans of Plymouth Road Runners, Dusters, Chargers and Challengers will able to walk the facility taking in some of the best classic American made cars. Cars and Mopar, what a combination, check out this view from the staging lane!

Shameful, but I HAVE to put a plug in for Brownsburg. I have been there for 15-years this fall, and it has grown to be a great partner for the NHRA racing series. Off of Northfield Drive * located between Hwy 136 and  I74W, there is race shop after race shop. Quite a haven for the enthusiast! Several times a year those shops are open to the public; one of the most attended is John Force’s shop. Check out this recent video during one of these fan favorite events.

NHRA + Mopar equals FUN times! Mark those calendars!

Your friends at O’Brien Automotive Family!
“Our family works for you. Since 1933”

Your leading Greenwood, Franklin, Indianapolis, Carmel, Plainfield, Avon, Lawrence, and Noblesville Chrysler Jeep Dodge Ram FIAT Toyota and Scion Dealer!

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It’s summer time, and the weather is hot. We all know how the words to that old song go, but not everyone is as familiar with how the warmer weather can impact your car’s performance and reliability. With summer’s prime driving season upon us, it’s more important than ever to make sure your car is in tiptop shape.

  • One of the first things dealership technicians will verify during a summer inspection is the state of your vehicle’s tires. The extra heat thrown off by the pavement during the warmer months of the year can add additional stress to tire rubber that is worn out or nearing its replacement date.
  • This last point is also crucial for dealing with any rainstorms you might encounter while out on the highway – bald tires are a significant contributor to hydroplaning, which can see you lose control of your car when encountering standing water or heavy rain. Technicians will also verify that each of your tires is filled with exactly the right amount of air, as too much or too little can contribute to excessive tread wear, as well as lower fuel economy.
  • The next stage for most summer tune-ups takes place under the hood where your vehicle’s air filter will be inspected to determine whether it must be replaced.
  • Other engine-related summer maintenance items that can improve your car’s miles per gallon include spark plugs and fuel filters.
  • In addition to performing the standard brake pad, rotor and fluid checks that should be done every time you have your automobile in for servicing, one of the final things that dealership technicians will verify as being in good working order is your car’s cooling and air conditioning systems.

Summer car maintenance doesn’t have to be complicated – in fact, getting your car ready for the hottest and busiest driving season is as simple as stopping in at your local dealership and putting yourself in their capable hands.

Scheduling a service appointment can ensure happy motoring. Click Here: Tom O’Brien Chrysler Jeep Dodge Ram:  Greenwood / Indianapolis — O’Brien Toyota Scion O’Brien Auto Center

Your friends at O’Brien Automotive Family!
“Our family works for you. Since 1933”

Your leading Greenwood, Franklin, Indianapolis, Carmel, Plainfield, Avon, Lawrence, and Noblesville Chrysler Jeep Dodge Ram FIAT Toyota and Scion Dealer!

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Yes, it’s that time of the year again! Family road trip! You’ve checked out and planned the best route to get you there! Perhaps you have decided the time is right to purchase a new vehicle? So, before the trip, you decide to check out  a brand new Town & Country, Journey, Grand Cherokee, 300, Wrangler Unlimited, or one of the many Toyota vehicles.

Or, if you have decided to take your own car, you’ve had your family hauler serviced to make sure that the a/c is operating at capacity, the brakes are good to go, the oil has been changed in our Service department (CJDR Greenwood / CJDR Indianapolis / Toyota), and the windshield wipers and washer fluid container is full and both are ready for any bug battle you encounter.

Does this sound familiar?  “Are we there yet?” being asked only 15 minutes after pulling out of the driveway. Then there are the many needed potty breaks, I’m hungry breaks, and the “I need a snack” right after the “I’m hungry break”. There are several different things you can do to keep your sanity during a long road trip. The O’Brien Automotive Family has borrowed some ideas that will help to reduce the boredom, interact with your kids and make the trip feel shorter for all of you!

Car game ideas for toddlers, preschoolers and younger children.

  • Draw it: Call out letters, numbers, animals and places, but instead of dealing with messy  markers, use a Magna Doodle.
  • Nursery rhymes and songs: Brush up on your nursery rhymes and toddler songs! Little ones love to sing their favorite tunes from preschool and playgroups.
  • I Spy: Before you embark on your road trip, strategically place large, colorful items around      your car and within your child’s view from his or her car seat.

Car games for older kids

Older kids enjoy learning new things, being active and being creative — even while in the car.

  • I Spy: Challenge your kids with a game of I Spy while on the move.
  • Travel Bingo: Bingo is a classic road trip game. A magnet set makes playing in the car fun and easy.
  • Alphabet game: Encourage your kids to explore their surroundings to find the letters of the alphabet on road signs, license plates and other signage visible from the road.
  • License plates: Make a list of  the U.S. states and silently check off each one as you see a matching license plate. Then set a number and the first person to reach that number wins.
  • Name that tune: Make a playlist of your family’s favorite songs and ask your kids to guess the name of the song and the artist.
  • Finish the song: After guessing the name of the song and the artist’s name, stop the music to see if your kids can finish the rest of the song on their own.
  • Punch buggy: Punch buggy is a more physical car game where you punch your neighbor (lightly) whenever you see a VW Beatle or a different type of vehicle.

Additional ideas that work

  • Picture it. Give each child an inexpensive disposable camera, and allow them to take photos of anything of interest they see along the way. After the trip, have the photos developed and let each child create their own homemade storybook about their travels.
  • Travel totes. This one takes a little advance planning, but it’s worth it! Pick up an inexpensive tote bag for each child and fill it with books, crayons, coloring books, a note pad, their favorite portable snacks and treats, and a favorite toy. Each child having their own bag will eliminate back seat battles over whose turn it is to use the crayons next.
  • And pack plenty of snacks! Pack snacks: crackers, fresh fruit and nuts, pre-packed servings of pretzels, cookies and chips.

Have fun and be safe on the road!

Your friends at O’Brien Automotive Family!
“Our family works for you. Since 1933”

Your leading Greenwood, Franklin, Indianapolis, Carmel, Plainfield, Avon, Lawrence, and Noblesville Chrysler Jeep Dodge Ram FIAT Toyota and Scion Dealer!

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We had such a celebration here at the dealership yesterday afternoon! Both the President of Tom O’Brien Greenwood and our Office Manager (Tom Miller and Judy Thompson) were celebrating 40-years of service with the organization! They look to young to be enjoying such an accomplishment, don’t you agree?

The O’Brien family automotive business started in January 1933 when Thomas J. O’Brien opened Sullivan and O’Brien DeSoto and Plymouth dealership on Virginia Avenue here in Indianapolis. The Tom O’Brien Chrysler Jeep Dodge Ram store, located in Greenwood, is the original franchise that was started in 1933. Who would have guessed then that we would have employees who would join the family organization and would remain for almost half of the years they have been in operation? Quite a feat in any business; let alone the automotive retail business that has such a known reputation for high-turnover!

One of the things that make us different is our Employee First Philosophy. This may seem strange in today’s “Customer First” business world, but it is actually the foundation for how we treat our customers. We feel that the only way to ensure that our customers are taken care of properly is to do everything we can to make sure that our employees enjoy working here and feel like they are an integral part of our success. There is no unimportant position at any of the O’Brien Automotive Family dealerhsips – from the lot attendant, to the office clerk, the parts runner, to the service porter – we could not function without everyone on our team being happy and productive.

Congratulations to both Judy and Tom for your service to our organization!

By the way, thought you would enjoy a video made by Thomas J. O’Brien when he opened our current south location. Most of the employees featured in the video are still with us today…speaks volumes about who we are!

Regards,

O’Brien Automotive Family – “Our family works for you. Since 1933”

Your leading Greenwood, Franklin, Indianapolis, Carmel, Plainfield, Avon, Lawrence, and Noblesville Chrysler Jeep Dodge Ram FIAT Toyota and Scion Dealer!

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Going to the race this weekend? The O’Brien Automotive Family has a long history with the race. I have only been with the organization for a couple of years, so you can imagine my surprise when the Tom O’Brien CJDR Greenwood President carried in a large copy of the photo included in this post into a meeting this past Monday! Check out this interesting tidbit of history!

Per our company history, the O’Brien family automotive business started in January 1933 when Thomas J. O’Brien opened Sullivan and O’Brien DeSoto and Plymouth dealership on Virginia Avenue here in Indianapolis. One of their first advertising ventures included sponsoring car #25 during the Indianapolis 500 in 1933, a mere 5-months after opening. The car was driven by Shorty Cantlon.


Shorty’s race ended short of the finish that day, but the experience of sponsoring a vehicle for the dealership was well-received by the general public. Consequently, they went on to sponsor a car several years after that initial race.

 

 

 

 
Do you have a story to share about your family and their involvement with the Indianapolis 500? We would love to hear about it!
Regards,

O’Brien Automotive Family – “Our family works for you. Since 1933”

Your leading Greenwood, Franklin, Indianapolis, Carmel, Plainfield, Avon, Lawrence, and Noblesville Chrysler Jeep Dodge Ram FIAT Toyota and Scion Dealer!

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