Friday, January 25, 2019

Why A Down Payment On Your New Vehicle Matters?



A vehicle whether new or used is a big investment, so before arriving make sure you understand the benefits of having a down payment. Being prepared is essential when buying your next vehicle. It helps ease anxiety and makes the entire process run as smooth as possible. To help you better prepare to shop for a new ride, the best car dealer in Mid-MO has provided a few reasons why a down payment on your next vehicle matters.

Benefits Of A Down Payment

Many people wonder if a down payment is necessary when purchasing their next vehicle. You can buy a vehicle without having a down payment, however, having a down payment has many benefits. Check out all the reasons you want to consider having a down payment before purchasing your next new ride!


Lower Your Overall Costs

Providing a down payment reduces the overall cost of the vehicle. Reducing the cost means lower monthly payments and overall better financing options. Lenders are able to offer lower interest rates when they see the buyer has money down on the purchase.  Lower interest rates will save you money during the lifetime of your vehicle loan.  When you put money towards your vehicle, it gives you options.  You can choose a shorter loan term or you can have an extended loan term with lower payments.  You have more options that make financing your next vehicle more affordable. 


Reduces The Impact Of Depreciation

A brand new vehicle will depreciate the most during the first year.  There are many benefits of buying a brand new vehicle, but the rate of depreciation on a new vehicle is hard for buyers to get past. Having a down payment on your brand new vehicle ensures you will drive off the lot without taking a loss.  When financing a vehicle having a down payment will help keep the value of your vehicle above the loan amount.  This results in equity down the road which will help if you decide to trade it on another vehicle.


What Can Be Used As A Down Payment?

You have options when it comes to having a down payment. We have two options that can help you decide which one is best for you. If you are not sure what you should do, give us a call and we can help you decide what is best for your situation. Every purchase is unique and the amount you should put down can vary. Check out a few options on how to come up with a down payment to get you in your next vehicle soon!


Vehicle Trade-In

If the current vehicle you have is paid off or has equity, it is a great option as a down payment.  The equity will be used towards the purchase of your next vehicle.  This option is a great way for people to afford buying without having to have cash in hand. The value of your vehicle will be determined based off of the condition of your vehicle. 


Cash

Making a vehicle purchase is a big decision that takes a lot of research and planning. Part of the planning process is knowing how much you can afford for a monthly payment. Once you determine that, you can back your way into the maximum amount you can afford to spend on the overall costs of the vehicle. One option to afford the exact vehicle you want is with a down payment. If you don't have a vehicle to trade-in, consider saving for a down payment. Have a down payment will lower your overall cost.  Leading up to purchasing your new vehicle, adjust your budget to save anywhere you can.  Once you have the amount you need, you are ready to move forward.




Best Dealership In Mid-Missouri

For a pleasant, no-pressure car shopping experience, visit Spieler’s Incorporated. Now that you know the importance a down payment makes when considering buying a car in Mid-MO, you can be better prepared to make a purchase after you find the right vehicle. For an enjoyable experience at a car dealer, visit Spieler’s Inc. in California, MO. We have no hidden fees— the price you agree on, is the price you pay! If there is a specific vehicle you are interested in, call us at 573-796-3129 to schedule a test drive.


Proudly Serving the Columbia,
Jefferson City, and California, MO Areas


1109 W. Buchanan St.
California, MO 65018
(888) 455-2107




Visit our website:  www.spielersinc.com
Like us on Facebook
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Thursday, January 17, 2019

Fun Road Trip Activities!


Last week we discussed why taking road trips in 2019 is good for your health. This week we are going to give you tips on how to entertain your family while taking your next road trip. Keeping your kids busy while driving can be challenging but Spieler's Inc has a few ways to have fun while traveling. Taking a trip with the family should be a fun time spent together, making memories to last a lifetime.  Sometimes the children (and adults!) need a little entertainment when making a long trek down the highway. Put those digital devices away because your trusted car dealer in Mid-MO is here to share some fun road trip activities the entire family can enjoy.


The License Plate Game


As you drive down the road, everyone in the car looks for license plates from different states. The goal is to spot vehicles from all 50 states, although Alaska and Hawaii are rare finds!


Tic-Tac-Toe


This classic game will keep 2 members of your road trip entertained for a while. Two players are assigned an X or an O; the two alternate placing their symbol, and then the player with 3 in a row wins. Make a tournament with all passengers or play best of 5 to extend the game.

20 Questions

In the popular road trip game, 20 Questions, the first player mentally chooses an answer; then all participants try to narrow down the answer by asking questions. If the carload gets to the twentieth question without figuring out the answer, the answer is revealed.


I Spy


Most people are familiar with I Spy. This is a fun way to get everyone on your road trip involved. The first player starts off with, “I spy with my little eye, something (color/shape)”. The person who spots the correct item wins and is now the one who chooses an object.


The Alphabet Game


Similar to I Spy, The Alphabet Game can be played by anyone in the car. Players look for any object
outside the vehicle that has letters. The trick to the game is to go in order through the alphabet as you pass signs, buildings, or any object with words. Be warned, this game can be pretty dry if there are few signs along the road you travel.


Spot The Car


Another fun twist to I Spy, a player starts the game by selecting a car make and model and everyone tries to spot that type of vehicle. The first person to spot the right car gets to pick the next type to find.


The Singing Game


If your group is into music, this is the game for you! When a song comes on and everyone is singing along, randomly mute the radio. The last person still accurately singing the lyrics is the winner.


I’m Going on a Picnic


Memory games are a great way to spend time on a road trip. The first participant starts with, “I’m going on a picnic and I’m bringing….(something that starts with an A). The next person will start the phrase over and add an item that starts with the better B. The goal is to continue through the entire alphabet. The player who is stumped when remembering the full list of items to bring on a picnic loses.

Enjoy some of these games on your next road trip with the family. Before you head out, bring your vehicle by Spieler’s Inc. to get checked over to ensure everything is functioning properly. The best car dealer in Mid MO is here to help you make your road trip a success. With safety and entertainment checked off your list, you are ready to roll out on your next adventure with the family!

Proudly Serving the Columbia,
Jefferson City, and California, MO Areas


1109 W. Buchanan St.
California, MO 65018
(888) 455-2107







Visit our website: www.spielersinc.com
Like us on Facebook
Follow us on Twitter
                               Follow us on LinkedIn

Wednesday, January 9, 2019

Be Prepared When Buying Your Next Vehicle!



Being prepared is essential when buying your next vehicle. It helps ease anxiety and makes the entire process run as smooth as possible. A vehicle whether new or used is a big investment, so before arriving make sure you have all of your paperwork in order. For a pleasant, no-pressure car shopping experience, visit Spieler’s Incorporated. To help you better prepare to shop for a new ride, the best car dealer in Mid-MO has provided a list of things you should consider bringing along with you. Even if you are not sure you will make a decision right away, it never hurts to be prepared in case you do decide to make a vehicle purchase.

Documentation Needed to Test Drive:


Driver’s License
If you find a vehicle you wish to test drive, the first item needed is a copy of your driver’s license. The dealership will keep this on record while you are out driving their vehicle.

Current Vehicle Insurance
Before you can take off in a car for a test drive, you will also need to show the salesperson proof of current auto insurance for their records. A dealer wants to make sure that you are insured if something were to happen while you are driving one of their vehicles around town.


Paperwork for a Purchase


Payment Information
Whether you are receiving financing for the vehicle you plan to purchase, or paying upfront, you will need to get your payment strategy solidified. If you wish to get pre-approved from a lender, you can bring proof of that with you to the dealer. Many car dealerships provide financing services, in which they can help you find a bank that can do a loan on the vehicle you wish to purchase.

If You Have A Trade-In


Vehicle Title
If you plan to trade your current vehicle in when purchasing a new one, be sure to bring the title with you to the dealership. A trade-in cannot happen without the proper title work performed. Check your title over and ensure there is not a co-signer, if there is, that individual will need to sign the title as well.

Proof of Insurance
You will have to provide proof of insurance on a new vehicle before driving it off the lot, if it is financed. A simple phone call can be made to your insurance agent so they can get the paperwork squared away. If you have proof of full coverage on the vehicle you are trading-in, the dealership may accept that as proof of insurance. If this is the case, contact your insurance agent as soon as possible to ensure your new car is properly covered.

Vehicle Registration
Registration of your trade-in will be needed as well. Bring your current vehicle registration with you to the car dealer when looking for a new ride.


Best Dealership In Mid-Missouri

Now that you know what to bring when considering buying a car in Mid-MO, you can be better prepared to make a purchase after you find the right vehicle. For an enjoyable experience at a car dealer, visit Spieler’s Inc. in California, MO. We have no hidden fees— the price you agree on, is the price you pay! If there is a specific vehicle you are interested in, call us at 573-796-3129 to schedule a test drive.


Proudly Serving the Columbia,
Jefferson City, and California, MO Areas


1109 W. Buchanan St.
California, MO 65018
(888) 455-2107




Visit our website:  www.spielersinc.com
Like us on Facebook
Follow us on Twitter
                               Follow us on LinkedIn

3 Reasons Why Taking A Road Trip In 2019 Is Good For Your Health!


Make road trips part of your New Year's resolution this year and enjoy all the benefits from taking time away from everyday stresses.  Spieler's Inc knows you need to add road trips to the top of your list as a way to improve your health in 2019. Now that the holidays are behind us, it is time to start thinking of ways to improve yourself in the new year. The best car dealer in mid-Missouri knows the importance of taking road trips and why they are good for your health. Your Mid-Missouri dealership has a few reasons why taking a road trip in 2019 is a must!

Reduces Stress


Stress is inevitable. We all experience it and it will always be present in life. How we manage our stress is a huge factor in our overall health. Taking regular road trips help you stop and enjoy your favorite activities. As stress builds up, over time it can cause physical symptoms that can quickly put a halt on your productivity and ability to keep up with your normal everyday demands. Taking time away can help you relax and let go. This time away helps jump start your mind and body so it can handle stress better as it arises. Don't let stress build up this year. Plan time away on a regular basis to keep your mind and body working effeciently.

Improved Productivity


We are all masters at multitasking. Many of us are constantly balancing between work, family, personal life, healthy lifestyle and more. It can wear a person down quickly. Taking road trips can help make you more productive when tackling everyday tasks. By stopping and letting your body and mind relax, you are getting it rested to perform at your peak level. Taking trips help us feel rested and happier. When we are happier we naturally perform at a higher level than when we are stressed and tired. Want to increase productivity this year...take a road trip!

Better Sleep


The hustle and bustle of balancing life and work can keep our minds going.  This becomes a problem at night when our bodies need to rest to become ready to tackle the next day. Restless sleep or having too much on your mind can cause you to not function at your peak level. Good sleep helps our bodies rejuvenate to alleviate tension, anxiety and helps our bodies fight illnesses. Taking a break from the everyday demands can help your brain shut off for a few days.  Road trips can be a couple days or longer, you don't need much time to give your brain a rest. Relaxing without a schedule to enjoy your surroundings will help you get a restful sleep. Getting good sleep will make a huge difference in your mood and how you function daily. Make going on a road trip a top priority in 2019 and catch up on your sleep!


You may realize it is time for a vehicle upgrade, as you spend time in it when traveling. Whether you wish for more room in which your family can spread out or a vehicle with better fuel efficiency, your trusted car dealership in mid-Missouri can help find a new ride to meet your needs. Spieler’s Inc. can hook you up with a new ride before your next trip out of town.

Proudly Serving the Columbia,
Jefferson City, and California, MO Areas


1109 W. Buchanan St.
California, MO 65018
(888) 455-2107




Visit our website:  www.spielersinc.com
Like us on Facebook
Follow us on Twitter
                               Follow us on LinkedIn