When you register your car, you get a title from DMV. If the car is free and clear, it is just a private passenger title. There are, however, other types of titles and each comes with its own requirements and insurance concerns. Integrity KIA explains the different types of vehicle titles.

First, Verify the Info

When you get your car title in the mail or you purchase a car, take a few steps to ensure you have the right title or that you aren’t a victim of fraud.

• Verify the VIN on the title and registration are the same
• Verify the VIN on the title matches the VIN on the driver’s side door jamb
• Make sure the VIN on the inside of the door jamb and the VIN plate in the bottom part of the windshield are the same.

Types of Titles

If you buy new a car or used car, or you have an accident, you will run into a few different titles.

• Salvage title or Junk title

If you file a car claim, and the cost of repairs exceeds the actual cash value of the car, the company will allow you to retain the vehicle if it is declared a total loss, but DMV will only issue a salvage title. When this happens, you can still keep the car and rebuild it or use it for parts. You will not receive a clear title, it may be marked ‘REBUILT,’ once repairs are complete.

• Rebuilt title

If a car has a rebuilt title, it cannot have a clear title in the future. Rebuilt titles are only issued to cars that have been rebuilt and inspected by the state.

• Clear title

Clear title is a regular title. It may have a lien on it.

• Abandoned title

Abandoned titles are issued to cars that have been impounded by a registered towing company or operator, or cars that have been abandoned for many years.

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You have to be careful, when you are looking at used cars for sale in El Paso, TX, and you have poor credit. There are some El Paso used car dealerships who say they can help rebuild your credit, but it comes at a price. While you are shopping different car dealers, take the time to ask questions and verify that you understand exactly what you are getting yourself into. In some cases, the monthly payments are extremely high and place an even greater financial burden upon you, making it difficult to make ends meet. The following are some warning signs and tips to help avoid a financial nightmare.

Warning Number 1:

Some dealers may focus on lending you money and giving you a vehicle they select for you to drive. Their sales pitch is something like this: “It’s not the vehicle that matters, but the fact we are lending you money. By paying regular monthly payments until the loan is paid off, it will rebuild your credit.” This should be a red flag, because the amount of money they lend you, along with a high interest rate, often results in paying about four or five times more than the vehicle is worth. Also be wary of dealers offering to issue you a credit card and charge the cost of the vehicle to the card.

Warning Number 2:

Before signing any loan agreement, read through the fine print. The fine print is where you find hidden gems of information like prepayment penalties and early pay-off penalties. If the dealer is rushing you to sign and says there is nothing to worry about, chances are there are some hidden fees in the fine print. If you notice any penalties or added fees for paying off your loan earlier, an excessive interest rate, or something to the effect that you still have to pay the full amount of interest, walk away.

Tip Number 3:

Work with reputable car dealerships when shopping for a car. If you stick with brand names, like Kia, you have a better opportunity of securing the vehicle you want at a payment you can afford. In addition, be upfront and honest with the sales associate and dealership. Let them know you have so-so credit and are looking to get a used vehicle as a means to help rebuild your credit. Many reputable dealers in El Paso have pre-existing lender relationships in place and know exactly which ones specialize in loans for people with poor credit.

Tip Number 4:

Remember to include car insurance in your monthly payment budget. It is easy to forget about car insurance until after signing the loan agreement. Contact local insurance agents to get a quote for insurance, once you have a particular vehicle in mind, before applying for financing. Most insurance agents are able to give you an estimate right over the phone. Additionally, the car dealership can supply an estimated monthly car payment amount without having to apply for financing, so long as you were honest about your credit. Once you have both figures, add them together and verify that they fit into your monthly budget.

For further assistance and help with finding a used vehicle to help rebuild your credit, please feel free to visit Integrity Kia in El Paso, or call 915-856-2982 now.

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If you are looking for a fun outing to do with your family have you considered a local museum or zoo? El Paso has a wonderful children’s museum and a top rated zoo just waiting for you and your family to explore. Here is a look at the El Paso Exploreum and the El Paso Zoo.

El Paso Exploreum

The El Paso Exploreum is a hand’s on children’s museum that has numerous areas to explore, featuring over 60 exhibits for kids of all ages. Some of the museums highlights include a role play room, an airport adventure area and an area that offers hands on science and technology exhibits. The museum is located in the heart of the downtown area and is open every day except Monday. Admission is just $8.00 per person ages 3-61 with kids under 2 getting in for free. Seniors, educators and active military personal get in for a discounted price of $6.00.

El Paso Zoo

The El Paso Zoo houses over 220 species of animals on 35 acres of greenery. Exhibits feature animals from all over the world. Some of the top rated exhibits include animals from Africa and Asia like zebras, giraffes, leopards, tigers and gazelles. The zoo also offers a train ride with animal views, a water play area, a carousal and a tree house play ground. The zoo is open year round, 7 days a week except for Thanksgiving day, Christmas day and New Year’s day. Kids under 3 get free admittance while ticket prices for ages 3-12 is $7.50, ages 13-59 is $12.00 and age 60+ is $9.00. Active military members also receive a discount.

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If you are looking for great tasting pizza in El Paso there are countless options for you to consider. Everything from thin crust to Chicago Deep dish style is available. Here is a look at 4 great pizza places that are worth checking out the next time you have a pizza craving.

The Healthy Pizza Company

The Healthy Pizza Company is a great choice if you are looking for a healthy fast food style pizza. Your pizza is made fresh while you watch in just three minutes. Numerous healthy toppings are available and crust options include both an organic whole wheat crust and an almond flour crust.

Hello Pizza

Hello Pizza is a local family owned restaurant that offers fresh homemade pizza options. NY style pizza is their specialty. Everyone from the meat lover to vegetarians will love the vast selections that are available and gluten free pizza is also on the menu. This pizzeria might be off the beaten path but customers say it is definitely worth making the trip.

Tosco Stone Oven Pizzeria

Tosco Stone Oven Pizzeria has a great selection of pizza options all cooked in a stone oven. Pizzas are made to order and only the finest and freshest available ingredients are available. Patrons rave about the thin crust that comes out crisp on the edges and chewy and delicious in the middle.

Sparrow’s Spirits and Pies

Sparrow’s Spirits and Pies offers hand tossed freshly made Chicago style deep dish pizzas. Customers rave about the flavorful crust, sauces and variety of toppings available. The extensive bar menu is also a plus to many regular patrons.

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Kia is constantly researching ways to maintain high quality standards while delivering a diverse vehicle selection at El Paso Kia dealers. As technologies continue to evolve, improve, and change, so do car concepts and designs. Currently, Kia is working on a complete redesign of the Kia Sportage, with anticipation of a release of the new model sometime in 2017. The Sportage has been a mainstay of the Kia car lineup since first being introduced to the United States. Initial testing of the new model design features a more aerodynamic appearance than the current Sportage models. People can expect the features and options to remain similar to those currently found in the Sportage line, with some minor changes related to updated technologies.

Another concept vehicle Kia currently has in development is a new subcompact crossover model. The new model will offer consumers the same high quality currently found in all Kia models. The initial test concept vehicle is similar in size to Honda’s HR-V crossover model. Kia’s development team is exploring several different engine and operational options with the new subcompact crossover model, including gasoline, hybrid, and electric only models.

As fuel prices continue to fluctuate, and with uncertainty about future prices, fuel efficiency is quickly becoming a major factor with consumers looking at purchasing a new vehicle. Working with the latest technologies, Kia is hard at work developing several different choices for fuel efficiency in the new subcompact model. Expect the gasoline engine subcompact crossover model to offer mileage similar to those found on other subcompact crossovers, with slight improvements. The hybrid option will have a smaller gas tank and utilize electronic technologies to increase fuel efficiency and mileage in between fill-ups at the pump.

The electric-only model concept eliminates the need for fuel completely. As the number of electric recharge stations increases in cities around the country, people are going to have easy access to plug in their vehicle while they are at work, shopping, or enjoying their vacation. The fuel costs for electric-only models will vary by market, depending upon the electricity costs in a particular region. In addition, some recharge stations at some locations might be offered for free, such as part of a hotel resort’s amenities for being a guest.

As you look forward to these new concepts, keep in mind there are often changes made during testing and development phases. The original concept vehicles could look entirely different from those released for production. There can also be delays in the release of the new concept vehicles, until Kia officially announces the release date. Additionally, expect Kia to continue to incorporate newer technologies in the current Kia vehicle line-up.

To see what current technologies are available in current Kia models, feel free to visit Integrity Kia in El Paso, or contact us by phoning 915-856-2982 to speak to a friendly and knowledgeable sales representative today.

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Are you someone who occasionally skips oil changes on your vehicle? Do you know all the reasons why regular oil changes are important? Keeping your car up to date on oil changes can ultimately save you money and increase your car’s longevity.

Why Clean Oil is Important

Clean oil is critical to your car’s engine. The oil in your vehicle coats and lubricates your engine to keep it running efficiently and to protect it from overheating. The right amount of oil is also important. When your car’s oil runs low, lubrication can be reduced and your engine parts can wear down quickly.

What Happens to Car Oil When You Don’t Get It Changed

When you don’t get your engine oil changed at the recommended time, your oil can become dirty. Dirty oil becomes thick and grimy and can clog your engine and cause it to overheat. Dirty oil can also burn and release more pollution into the environment.

Benefits Of Clean Oil

Clean oil benefits your vehicle with increased gas mileage. Clean oil also allows for less wear and tear on your engine. Additionally, your car’s performance is optimized when you are running on frsh oil. Overall, your car’s cost will be less during its lifetime and your car will last longer when you adhere to a strict oil change schedule.

When Should You Get Your Car’s Oil Changed?

Every vehicle is different so you should consult your owner’s manual. Most vehicles need to have fresh oil about every 5,000 miles. If it is time to get your car’s oil changed fill out the scheduling form on our website today and we will contact you to set up an appointment.

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Some people do not think about the benefit of paying extra on their auto loans on their vehicles purchased from car dealerships in El Paso. They simply figure they are stuck with the regular payment amount for the life of the loan. However, this is not the case. Much like a home mortgage, your car loan has an amortization schedule. This schedule is a breakdown of every monthly payment for the life of the loan and shows how much of the payment is applied toward interest and the loan principal balance. There are tools you can use to create your own amortization table, or ask your lender for a copy.

Initially, the amortization schedule will have a larger portion of the monthly payment being applied towards interest. As you continue to make monthly payments, the monthly interest amount starts declining, and the monthly principal amount starts increasing. Toward the end of the loan, the majority of the monthly payment is applied to the principal balance. By paying a little bit extra each month towards the principal balance, not only do you pay the car off sooner, but reduce the amount of interest paid back during the life of the loan.

For illustrative purposes, let’s assume you financed $20,000 for five year (60 months) at a 6% interest rate. The regular monthly payment would amount to $386.66, not counting any add-ons, like extended warranty coverage or service agreements. If you were to pay an extra $100 per month toward the principal balance, you would pay off your vehicle in 4 years (48 months). Where some people are misled is they calculate 60 months times the regular car payment and compare this amount to multiplying 48 months times $486.66, and then assume they are paying more during the 4 years instead of just paying the regular payment over 5 years.

What actually occurs is the principal amount decreases faster, which means the amount charged in interest also declines. If you were to look at an amortization schedule, you would discover the total amount paid in interest by just making your regular monthly payment over five years is $3,199.36, compared to $2,444,38 by paying the extra $100 per month for the life of the loan and paying it off a year early. A comparison of the monthly payment breakdown looks like this for the first 4 monthly payments:

You can easily see the slight difference in the remaining balance

You can easily see the slight difference in the remaining balance and total interest paid. While it might not seem like much at the beginning of a car loan, over the life of the loan you end up saving $754.98 just by paying an extra $100 per month.

For further questions about auto financing, or assistance in applying for a new car loan, feel free to contact Integrity Kia at 915-856-2982, or stop by our El Paso showroom.

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The Kia Optima is a perfect choice for car buyers looking to own a midsized car. The Optima offers owners a classy and stylish exterior, a comfortable and well-appointed interior along with easy handling and a smooth ride. Here is a look at all the great features inside the 2015 Kia Optima.

• A roomy cabin that comfortably fits five passengers. Even adults will find ample room in the back seat.
• Comfortable cloth seating with leather trimmed seats available on some trim lines.
• Easy to use climate control with dual zones available on most trim lines.
• Six speaker audio system with AM/FM radio, CD player and MP3 connectivity.
• Storage areas throughout the cabin including seat back pockets.
• A glove box with cooling technology.
• Overhead map reading lights.
• Numerous cup holders are located throughout the cabin.
• BLUETOOTH® technology is on board for hands free connectivity.
• A front center console that offers storage and arm rests.
• A center folding arm rest with cup holders for rear seat passengers.
• A power adjustable driver bucket seat that offers lumbar support.
• A tilt and telescoping steering wheel that has mounted audio controls and cruise control.
• Illuminated vanity mirrors for both the driver and front seat passenger.
• Power doors and power windows.
• Split folding rear seats that allow for additional cargo space.
• An on board trip computer that keeps track of fuel efficiency and alerts the driver on how many miles until empty.
• An overhead holder for sunglasses.
• Auxiliary input jacks.

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El Paso is known for having a variety of local festivals and music events, especially during the summer and fall months. Festivals can be a great way to get out of the house and spend your weekend. Here is a look at some of the upcoming events in August and September that you won’t want to miss.

Annual St. Nicholas Greek Food Festival

The Annual St. Nicholas Greek Food Festival takes place this year from August 21^st – August 23^rd. This free admission event is a fun filled weekend for celebrating Greek culture. All weekend long you can check out live music, dancing, vendors and homemade Greek foods.

El Paso Corn Festival

The El Paso Corn Festival takes place each year at the El Paso Public Library Memorial Park. The three day event this year is from September 10^th – September 12^th. Event highlights include a weekend carnival, a parade, live entertainment, vendors and food. The theme for this year’s corn festival is back to the future. Armbands for the carnival will be available. The pre sale price is $15.00 and gate price is $20.00 for both Thursday and Friday night. Saturday’s cost is $25.00.

Sun City Music Festival

The Sun City Music Festival takes place this year on Saturday September 5^th and Sunday September 6^th. This year will be better than ever. Great musicians and entertainers are already lined up including Armin Van Buuren and Hardwell. Tickets and hotel packages are currently on sale and discounts are available when you purchase both together.

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New car leases are sometimes confusing for people who have never leased a vehicle. It is important to understand the financial obligations of a lease to determine whether this is your best option in order to drive off in a brand new Kia vehicle from your Kia dealer in El Paso. Just like financing a new car, a lease is a type of financing program.

A lender underwrites the lease agreement for a set period of time, typically three years. Most lease lenders require a down payment unless there is a special promotion in effect, where the down payment is waived. Acceptable down payments are in the form of cash or an allowance from a trade-in vehicle. In addition to the down payment, other financial obligations you are required to pay during the length of the lease include:

1. Monthly lease payments: There will be a monthly payment amount, often less than traditional financing, which needs to be paid on time to avoid late fees. If you constantly are late or miss lease payments, the lender may repossess the vehicle.
2. Repairs and maintenance: You are responsible for all repairs and maintenance of the vehicle, even though you do not own it. You are required to keep the vehicle in proper working order, as well as keep the interior and exterior clean. If you are involved in an accident, you have to get any damages fixed.
3. Full coverage car insurance: The lease lender will require you to maintain full coverage car insurance on the vehicle during the length of the lease in the event of an accident. If you do not, the lender may take out their own policy to protect their interests, and add the costs onto your lease or repossess the vehicle.
4. License plates: In order to drive the car, you have to obtain license plates and pay for tag renewals annually.
5. Gasoline: Leasing does not cover fuel and other transportation costs (i.e. tolls and parking). These are your financial responsibility. Sometimes there are promotions, where the dealer does offer a prepaid fuel card in a set amount to help out initially.

Now that you are aware of the financial obligations of  lease programs, you can better decide if a new Kia lease is the right choice for you. It is important to remember, there are specific terms and conditions with a lease beyond financial obligations, such as mileage restrictions and not being able to modify the vehicle from its original condition. If you drive an excessive amount, there are a few options, to avoid having to pay a fee at the end of the lease, like paying for extra miles upfront as part of your monthly lease payment.

For more information about new Kia lease programs and assistance in determining if a lease is right for you, stop by Integrity Kia in El Paso today, or contact us at 915-856-2982 to speak to one of our friendly and helpful sales associates.

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