Videos

“Today Ascentra is Making Sense of Auto Insurance”

Auto Insurance is a policy purchased by vehicle owners to alleviate costs in the event of an accident or theft.

Requirements may vary, but nearly every state requires drivers to carry a minimum of liability insurance.

Liability insurance will pay medical expenses, lost income, and vehicle repairs for the other driver, if you’re at fault in an accident.

Some states also require personal injury protection, and uninsured motorist coverage. --Which can cover the costs, when the other driver lacks insurance coverage.

While liability insurance covers the damage your vehicle has caused to others, it does not cover, damage to your own vehicle.

Collision and comprehensive are additional coverages,     that can protect your vehicle in the event of an accident, or non-collision related incident.

“Today Ascentra is Making Sense of Auto Loan Refinancing”

Have you thought about refinancing your auto loan? 

To start, look at your current interest rate and life of your loan.

Make sure your car is worth more than your loan by checking the NADA website.

Do your research and shop around by comparing your current rate.

But be aware, other lenders may charge application, refinancing or processing fees.

Check your credit history.  If you’ve been making consistent on-time payments, there is a good chance your credit score has improved, qualifying you for a lower interest rate.

When refinancing, be careful not to extend the life of your loan as it can cost you more in the long run and can affect the trade-in value of your vehicle.

Even if your rate saves you a small amount per month, think of how much you will save over the lifetime of your loan.

Figure out what’s best for you and cruise on down to Ascentra and see how much you can save!

“Today Ascentra is Making Sense of Auto Warranties.”

An extended auto warranty can help protect you from unforeseen and costly repairs.

Automakers offer limited coverage on new automobiles.

Third party extended warranties can fill some of the gaps, but differ in benefits and price. 

Look for exclusionary coverage, which covers everything except the items listed. 

Plans typically don’t cover wear and tear items like tires, brakes, and shocks.

Better plans have benefits such as towing, roadside assistance, car rental reimbursement with no deductibles. And can be transferable if you sell your vehicle before your warranty expires.

Know exactly what is covered before you sign.

The best mechanical breakdown warranties are available at trusted financial institutions that finance your vehicle. 

Avoid warranties pushed by the dealer or through cold calls.

By financing your auto and purchasing the warranty at Ascentra, you could save as much as 60% for similar coverage offered at the dealership.