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1. Compare annual percentage rates available to you from various lending institutions before committing to a loan.
   
   
2. Once you obtain an auto loan, make sure that you keep your loan payments current. Some lenders repossess vehicles which are only one day delinquent.
   
   
3. Make sure you keep your auto insurance up to date. If you don't, many lenders will add single interest insurance. It only covers the lender, does not satisfy your legal obligation to provide no-fault insurance, and costs substantially more than you'd pay if you obtained full coverage insurance yourself.
   
   

• the agreed-upon value of the vehicle--a lower value can reduce your monthly payment
• up-front payments, including the capitalized cost reduction
• the length of the lease
• the monthly lease payment
• any end-of-lease fees and charges
• the mileage allowed and per-mile charges for excess miles
• the option to purchase either at lease end or earlier
• whether your lease includes “gap” coverage, which protects you if the vehicle is stolen or
• totaled in an accident.

• Check out the car’s repair record, maintenance costs, and safety and mileage ratings in consumer magazines or online. Look up the "blue book" value, and be prepared to negotiate the price.
  
  
• Buying from a dealer? Look for the Buyers Guide from the Federal Trade Commission. It’s required by a federal regulation called the Used Car Rule.
  
  
• Make sure all oral promises are written into the Buyers Guide.
  
  
• You have the right to see a copy of the dealer’s warranty before you buy.
  
  
• Warranties are included in the price of the product; service contracts cost extra and are sold separately.
  
  
• Ask for the car’s maintenance record from the owner, dealer, or repair shop.
  
  
• Test drive the car on hills, highways, and in stop-and-go traffic.
  
  
• Have the car inspected by a mechanic you hire.
  
  
• Check out the dealer with local consumer protection officials.
  
  
• If you buy a car "as is," you’ll have to pay for anything that goes wrong after the sale.
  
  
• The Used Car Rule generally doesn’t apply to private sales.
  
  

• Don't leave the scene.
• If vehicles are operable, move them to the shoulder, out of the way of oncoming traffic
• Call for medical assistance if there are any injuries.
• Provide basic first aid, but don't move an injured person unless you possess medical or lifesaving expertise
• In many areas, you have to call the police Get the officer's name, badge number, police station address, and phone number. Ask when the accident report will be filed, its case and report number, and how you can get a copy
• Take careful note of the date and time of the accident, the street and city, weather and road conditions, direction and speed you and other drivers were going, and how the accident occurred.