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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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Blog_Toyota Assembly Plant Toyota has big plans for their production! Per Bill Fay…. A top Toyota executive, the auto company might eventually make all of its U.S.-bound vehicles in North America, with no imports from Japan. Their goal is to have all Toyota vehicles that are sold in the US, be produced here also. That is very exciting news coming from a company that added 3,500 jobs to the US economy last year. Bringing more money home is always a bonus.

Toyota dealerships in the US, like O’Brien Toyota Scion, will be selling vehicles that are more US based than any “domestic” car maker. That sounds odd doesn’t it? To anyone that has worked with Toyota it doesn’t sound all that crazy. Toyota has been moving more and more jobs to US plants every year.

It is no secret that Toyota and other Japanese automakers have been shifting production from Japan to other markets in reaction to the strength of the yen in recent years. A shortage of younger workers is another factor. In 2012, Toyota assembled slightly more than 70% of vehicles sold in the U.S. in North American factories.

“Our intention is clearly to grow that 70% over time,” Fay said. “Short term, we are not going to build everything in North America, especially (when) you consider Lexus, which we are shifting more slowly. “Certainly there’s a movement to do more of that work where the customer is,” Fay said after the company revealed the Furia concept sedan at the Detroit auto show.
fb_2014 Toyota Corolla Furia

Here is the current “picture” of Toyota’s U.S. presence:

  • The company’s new Avalon sedan was engineered largely at its Ann Arbor Technical Center. It’s assembled in Georgetown, Ky., along with the Camry.
  • “Whether we ever totally get there, I don’t know,” Fay said. “That would be a ways down the road, but we’re certainly making a lot of progress in vehicles like Avalon, where that was really all done here in North America by our companies here.”
  • Fay said that by the end of the year, 100% of Toyota Corollas sold in the U.S. will be built at its Cambridge, Ontario, and Blue Springs, Miss., plants.
  • Toyota has also expanded design and engineering centers, such as the CALTY styling studio near Los Angeles and its technical center in Ann Arbor.
  • Last year, Toyota added or announced 3,500 new jobs and investment of $1.6 billion in North America.
  • Toyota has nine U.S. plants that produce vehicles such as the Camry, Avalon, Venza, Corolla, Highlander, Sienna, Tacoma and Tundra.

Way to go Toyota! We say “bring it on”!

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.

“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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First, what is an EGR Valve (Exhaust Gas Recirculation)? EGR valves were introduced by car makers in the early 1970s as an effort to reduce the emissions created by an automobile’s engine. How does it work exactly? Exhaust gas is re-circulated into the combustion chambers, lowering the combustion temperature, helping to reduce pollutants.

 

 

 

 

Symptoms of a bad EGR valve?

  • Rough Idle
  • Increased Fuel Consumption
  • Overheating
  • Pinging & Knocking
  • Increased Emissions

Okay, your Service Tech is recommending that it be replaced, now what? If you are a “do-it-yourself” type of person, it is a fairly easy repair. However, if you decide to leave the repair to the experts, cost should be minimal. Bottom line; when the “check engine” light comes on, It’s like someone saying “My leg hurts a little,” or “I get out of breath when I climb stairs.” A doctor — or, for your car, a mechanic — still has to figure out what’s really causing the problem.

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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With the hot temperatures expecting to return this week; I recently talked to one of our long-term Service Advisors to find out what most of our recent service clients were having the most problems with when they came into the service department. I was really surprised by the response. Dead batteries. I thought, really?

Did you know….An average of one out of four vehicles gets a new battery every year? So says Rich White, executive director of the Car Care Council. Summer is the season for major car-battery problems. Heat, not cold, shortens battery life.

Excessive heat and overcharging are the two main reasons for shortened battery life. Heat causes battery fluid to evaporate, this damaging the internal structure of the battery. A malfunctioning component in the charging system, usually the voltage regulator, allows too high a charging rate. That’s slow death for a battery.

To get the most life out of a battery:
• Be sure the electrical system is charging at the correct rate; overcharging can damage a battery as quickly as undercharging.
• If your battery is the type that needs to be topped off, check it regularly, especially in hot weather. Add distilled water when necessary.
• Always replace a battery with one that’s rated at least as high as the one originally specified.
• Keep the top of the battery clean. Dirt becomes a conductor, which drains battery power. Further, as corrosion accumulates on battery terminals it becomes an insulator, inhibiting current flow.

When you need a battery, do you know what information you need when you shop? How about swapping out the battery, if you are a “do-it-yourself” type of person? Check out this short video for answers to those questions!

If you are unsure of the status of the battery on your car * truck * van or SUV, we encourage you to take your car in to one of our service departments for a professional  inspection. Our ASE Certified Technicians are available on a non-appointment basis for basic services. (Greenwood Chrysler Jeep Dodge Ram location / Indianapolis Chrysler Jeep Dodge Ram ocation) / Toyota Scion location)  Questions about tires? Give us a call today! (contact information for our Service Centers)

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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On my drive into work today, I noticed more “road gators” (my father’s nickname for blown tire treads on the roadway) on the road than normal and wondered why? My search results found that tires can fail during periods of excessive heat – and we have certainly had plenty of that lately! Due to increased friction, high-speed driving, excessive cornering and frequent braking during periods of very high temperatures tires tend to heat up beyond their design ratings. Once this happens, a blowout can occur.

Additionally, improper tire inflation can cause a blow-out. So, I ask you, when is the last time you checked the air pressure in all four of your car tires? If it’s been more than one month, auto technicians in the area say you’re past due and the heat could be putting your tires at risk for a blowout; triple digit temperatures beating down on the hot pavement are taking a toll on your tires.

In my research on the subject, I found out that not all tires are created equal. Tires have separate ratings for climate temperature, tread wear, load capability and speed. Under-inflated tires will run hotter than tires inflated to the manufacturer’s recommendation. In addition, under-inflated tires will result in poor gas mileage. You can reduce the risk of blowouts by slowing down on the highway and taking curves or corners more gently. Excessive heat can cause badly worn or old tires to fail even in careful driving.

In case of a blowout…what should you do? Here is a great video that gives you tips on what to do should you have a blow out! During any roadside emergency, it is always a good idea to have the appropriate supplies such as jumper cables, a tire pressure gauge, flashlight, hazard signs, water and a charged cell phone.

AAA recommends the following tips to keep tires running smooth during the hot summer months:

* Check air pressure regularly especially before long trips. A survey by the Rubber Manufacturers Association in 2010 found that over half of all vehicles have at least one tire that is under inflated. Make sure to. Remember, use the correct inflation pressure that is found on a label on the driver’s door or check the owner’s manual.

* Examine all four tires. When checking tread take a penny, insert upside down into tread groove. If you see all of Lincoln’s head, it’s time for new tires.

* Misaligned wheels can cause premature tire wear. Have alignment checked periodically or if you notice your vehicle “pulling” to the left or right. Hitting a pothole or curb could affect your wheel alignment.

* Inspect valve caps. Metal caps in scorching heat can be hard to remove. Consider a cap made out of heat tolerant material. While you are checking this out make sure it is screwed on tightly.

If you are unsure of the status of the tires on your vehicle, take it to a professional for inspection. Our ASE Certified Technicians are available on a non-appointment basis for basic services. (Greenwood location / Indianapolis location) Questions about tires? Give us a call today! (contact information for our Service Centers)

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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