05-25-21

Steps to Shopping for Car Insurance that Offer Protection and Savings

Purchasing a new or used vehicle is a great time to reevaluate your car insurance policy. Whether you are stepping into a new ride or your policy is set to expire, there are some steps Brownsville, Texas drivers can take in order to find the best policy.

With so many options on the market and new providers popping up, choosing the best car insurance can feel dizzying. From celebrities pushing new names on commercials to ads on social media, how do you know which is the one for you?

Here are a few tips to help you choose the best insurance in Brownsville, Texas for you and your vehicle.

Know What You Need Before You Start

The process begins with knowing what kind of protection you need and gathering the necessary information. You will need basic personal information like the driver’s license number for each driver on the policy.

Other information includes details for your vehicle. Make sure to have these on hand:

  • VIN (vehicle identification number)
  • Mileage
  • Model (for example, EX, LX, Touring, etc.)
  • Driving history on record

After you gather your info, determine the level of coverage that is right for you. Different states require different minimums for coverage. For example, drivers in the Rio Grande Valley, Texas area are required to have at least $30,000 of coverage for injuries per person on the policy, $60,000 per accident, and $25,000 for property damage liability.

Sometimes this decision comes down to what you can afford so check your budget to see how much money you have to pay for insurance each month. There are several types of coverage, which include:

  • Bodily injury and property damage
  • Uninsured motorist coverage
  • Collision
  • Comprehensive
  • Medical payments and personal injury protection

Once you begin the search for which insurance to purchase, you can speak or chat with a local Brownsville, Texas agent who may be helpful in deciding which level is right for you, but you will want to do some research to determine what each offers beforehand.

One Size Does Not Fit All

As you compare your options, make sure to include local insurance providers around the Rio Grande Valley, Texas area and not just the national names. While it can feel like a full-time job in the moment, the more companies and types of agents or representatives you work with, the better the choice in the end.

There are online tools that allow you to compare car insurance quotes almost instantly. This can be helpful, but it is important to remember that they rely on algorithms and preset data in order to prioritize speed.

Speaking with either specialized or general insurance agents and representatives around Brownsville, Texas adds a human element. This could mean that you wind up with better protection for less money, because a person might have the flexibility to offer a deal that is not available in the online system. Don’t be afraid to ask for any available discounts up front and take advantage of the opportunity.

Shopping Around Pays Off…Literally

According to the research, drivers in areas like Brownsville, Texas can save over 40% on the cost of car insurance by securing multiple quotes while shopping for a new policy. Depending on your vehicle, driving history, location, and coverage, this savings can add up to nearly $1,000 a year.

For more information on choosing the best policy for you and your vehicle, the expert team at Charlie Clark Nissan Brownsville is here to help. Call Charlie Clark Nissan Brownsville at 956-395-3616 or get in touch online today!

 

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05-25-21

The Right Time to Buy a Truck and How to Shop for One | Charlie Clark Nissan Brownsville Blog

There are several reasons why a driver in the Brownsville TX area would decide to purchase a truck. From hauling loads to traversing difficult terrain—several tasks require a truck as the best vehicle for the job.

With all the options on the road today, is there a specific type of truck that makes the most sense for you? And, how do you know the right time to pull the trigger on the purchase? The answer to these questions is… it depends.

If you are looking to pay the lowest price, a 2016 study by a popular online car buying site found that shopping on a weekday leads to paying less. There is one weekday that even rises above the others.

Apparently, shoppers who purchase a vehicle on Mondays can save as much as 8.1% over other days of the week. Now, that’s a good case of the Monday’s right there!

Usage is The Most Important Factor in Determining Timing and Type

Rather than trying to discern the best time to save a buck, the more important factor has to do with your need for a truck. If you are choosing a pickup truck as your daily driver around the Rio Grande Valley area strictly out of preference, then the timing is up to you.

Everything changes if you have a specific purpose or need in mind, which leads to the next question to consider.

What will you be using your new truck for? If you plan to tow a trailer with a heavy load, then you will be shopping for a different truck than if you plan to put a topper over the bed and use it as a modified camper on trips.

You Can’t Beat the Versatility of a Pickup

Pickup truck drivers inevitably wind up loving the versatility their truck provides. If you do not have a specific usage in mind, there are a lot of options for a middle of the road pickup truck that will be able to handle a variety of functions.

Even drivers in the Rio Grande Valley are sometimes surprised to learn they do not have to choose between capability and comfort. New and late-model used pickup trucks offered by a dealer like Charlie Clark Nissan Brownsville feature the same number of modern amenities as other types of vehicles, if not more!

Back to those who can quantify their needs…when shopping for a pickup truck, there are a handful of numbers that will be important to know, including:

  • The weight of trailer you need to tow
  • The class of trailer hitch for your trailer
  • The weight of the boat, equipment, or material you need to tow

Have these figures handy when you begin looking for your new pickup truck as this will quickly rule out several models.

Know Where You Need to Go

Another consideration is the terrain on which you plan to drive your pickup truck. More so than the make and model, this factor will determine the package or trim of the pickup truck you choose.

If needing four-wheel drive to reach your destination or to keep you from getting stuck along the way, it is important you choose a truck with these capabilities. Many pickup trucks can engage four-wheel drive with just a simple flip of a switch these days.

For more help with choosing the right truck, check with the expert team at Charlie Clark Nissan Brownsville. Call Charlie Clark Nissan Brownsville at 956-303-1711 or search our extensive inventory of new and used trucks online today!

 

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04-20-21

Why and When an EV Vehicle Is Better for The Environment | Charlie Clark Nissan Brownsville Blog

With more and more options when it comes to driving an electric vehicle, there are a lot of thoughts floating around about whether or not these new options live up to the claims they make. There is also the misinformation found across the internet about EV’s (electric vehicles) as well.

One example you may have heard is that electric vehicles are actually not good for the environment, because the batteries used to power them require multiple tons of raw materials to manufacture. As these rumors swirl, consumers are looking for the truth about the relationship between EV’s and the environment.

Even when there is some truth to similar claims about the manufacturing process, the conclusion is often misguided. Experts are adamant that the benefits of electric vehicles to the environment far outweigh any potential negative effects.

The Air We Breathe

We all know the impact of releasing direct vehicle emissions into the air from millions of traditional combustion powered engines found in vehicles on the road today. These pollutants attach to fog in the air and can visibly be seen—especially in densely populated areas.

Another type of effect regarding gas-powered vehicles is the impact of the production process itself. The manufacturing of combustion engine vehicles and the operation of mining for oil in order to produce the gasoline to fuel them are proven to release emissions into the air as well.

The processes for manufacturing electric vehicles are proving to make much less of an impact on the environment and leave a smaller footprint. The fact that EV’s require zero fossil-fuel extraction in order to power their engines obviously means less impact as well.

The Future of Batteries is Unknown but Looks Promising

With the electric vehicle market still being relatively new, the life cycles of the lithium-ion batteries is not fully known. However, while these batteries will ultimately lose some of their capacity over time, it is reported that they can be recycle-friendly while even being used to make new batteries.

As the trend continues to climb in popularity, the amount of research and development also skyrockets. Therefore, consumers can be assured that the advancements in both the manufacturing process for electric vehicles and how used batteries are recycled will be a big focus for the industry moving forward.

Renewable energy will continue to be top of mind for electric vehicle manufacturers and governmental agencies as well. This is why even charging stations are becoming more prevalent across the country and smarter as well. Many charging stations even allow EV drivers to control the charging from their smartphone in order to use the minimal amount of electricity needed to keep their electric vehicle topped off.

The Impact on the Environment is Widespread

Did you know that our nation uses almost nine billion barrels of petroleum each year? Yes, that’s billion with a B! The environmental impact of not only extracting the oil from the ground, but the emissions into the air from tankers and other equipment involved in the process is enormous.

Working to grow the EV market creates less of an impact on the environment while also saving us from price spikes caused by either shortages or political factors around the world. As you can see, the use of renewable resources to power our more efficient and more fun to drive electric vehicles has greater influence than just no longer needing to gas up on our commutes.

Being a part of improving the health of everyone is a big motivating factor for drivers choosing to go electric. A cleaner world thanks to less pollution and less reliance on earth-stripping processes means fewer emissions overall that may be contributing to climate change. This means fewer nitrogen oxides and greenhouse gasses like carbon dioxide finding their way into the air.

Charlie Clark Nissan of Brownsville is a dealership that is concerned with the wellbeing of those living in the Rio Grande Valley area and beyond. This commitment to the community means being an advocate for advancements in the electric vehicle market. To learn more about EV options, call, click, or come by today!

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12-27-20

Why Charlie Clark Nissan Is In Brownsville Texas. Our home: Best place To Live, Work, Raise A Family and Retire

It is not by chance or just random choice that Charlie Clark Nissan has chosen to make Brownsville, TX our home. The Brownsville metro area is a unique place that melds several different cultures together in a population that has a great appreciation for all of them. The area’s access to major regional waterways have long established Brownsville as a dominant hub for commerce, which leads to steady economic growth.

With such a large influence of Mexican heritage, the sense of pride can be both heard and felt throughout Brownsville. The gratitude for Mexican culture throughout Brownsville was a big draw for Charlie Clark Nissan. The Charlie Clark story consists of deep relationships with people of Mexican ancestry. This includes “Nana,” whose real name is Mari Cruz Aurora Aguirre, and who played a pivotal role in raising Charlie Clark himself.

The Gulf of Mexico Makes for Fun Activities and Fresh Seafood

Not only does the location of Brownsville provide for multiple cultural experiences and a healthy economy, but it also provides access to some of the most gorgeous coastline you can find. The Gulf of Mexico is a local treasure that residents and visitors can enjoy year round.

Not only do the beaches make for a great recreational playground, but the local fishing made possible by the Gulf is another activity that thousands enjoy regularly. Fresh seafood is always available throughout the Brownsville area at high quality restaurants and markets.

Brownsville is Ranked as One of the Best

It is no wonder that US News and Word Report ranks Brownsville in the top 10 best places to live in Texas and in the top 5 of best places to live for quality of life. The ability to enjoy a high quality of life provided by the Brownsville area is a big reason Charlie Clark Nissan loves calling Brownsville home.

The pleasant climate of Brownsville throughout the year is another attraction that makes it easy to fall in love with. The beautiful state parks feature miles of trails and expansive habitats for native wildlife that can be enjoyed anytime thanks to warm temperatures mixed with cool breezes.

Brownsville is an Affordable Microcosm of the American Melting Pot

The cultural diversity of the Brownsville, TX area culminates in a variety of theatrical arts, museums, galleries, and other attractions. Again, the choice and influence of so many ethnic heritages in one place makes Charlie Clark Nissan proud to serve the people of the southernmost tip of Texas.

When it comes to cost of living, Brownsville provides the opportunity for residents to pay much less than the average American for everyday expenses and residential rates. The ability to make a good living and maintain a wide choice in how to invest earnings allow Brownsville residents comforts not afforded in other metro areas. This is all without the need to forgo amenities not otherwise available in such a highly-rated area.

Being one of the most affordable places to live in the state of Texas makes Brownsville a great choice for families relocating to the area. Nearby Harlingen, McAllen, and Laredo contribute to the growing job market. The location also allows residents to keep some distance between their home and place of employment while avoiding the heavy congestion of cities like Houston or San Antonio.

Charlie Clark Nissan is Proud to Call Brownsville Home

Charlie Clark Nissan Brownsville relishes the opportunity to participate in numerous charitable events throughout the community and is ever more grateful for the chance to serve customers throughout the Brownsville area. Charlie Clark Nissan Brownsville is proud to provide unmatched quality and service to an area home to unmatched people.

Call Charlie Clark Nissan Brownsville or swing by the dealership at 2547 North Expressway 77/83 Brownsville, TX 78520 to meet our great team and discover for yourself why an award-winning Nissan dealership chooses to take up residence in an area that continues to merit its own accolades.

 

Charlie Clark Nissan Brownsville
2547 North Expressway 77, 83,
Brownsville, TX 78520
(956) 214-2530
(956) 431-0911

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12-27-20

How to Get an Auto Car Loan with Bad Credit | Charlie Clark Nissan Brownsville Blog

Let’s face it—bad credit happens. Due to often unforeseen circumstances in life, our credit can take a big hit even at no fault of our own. When someone who has access to your credit makes a mistake, you should not be the one who suffers.

Whether it comes from a bad breakup, unexpected loss of a job, or naïve consumer habits when you were younger, bad credit does not have to control you. When it comes to purchasing a new vehicle, there are ways to secure a loan to put you in the ride of your choice even when your credit is less than stellar.

Timing Is Everything

When it comes to getting an auto loan with bad credit, the timing of the loan can make all the difference. Through some easy and simple steps, any consumer can increase his or her credit score. Raising it to a level that avoids high interest rates, however, does take time.

There are ways to secure a car loan in less time, but this often means paying a much higher rate in order to offset the liability a lender takes on in securing the loan. Therefore, counting the costs before signing on the bottom line is critical to setting yourself up for financial success.

Know Your Score Before You Shop

Knowing the number of your credit score before you begin shopping will help you understand what to expect so that you are not caught off guard when the numbers come back. If you have a subprime credit score—typically between 500 and 600–then the rate on your loan can wind up being as high as 11% or more for a brand-new car and nearly 18% on a used vehicle.

These interest rates are dramatically higher than those on a loan involving lower credit scores. The average rate is closer to 5% for a new vehicle currently. Knowing how to shop for your loan and for your next vehicle, however, can make a big difference in the rate you receive.

Review Your Records

Looking over your credit history may reveal some mistakes that have led to a lower score than what is warranted. Disputing errors on your record is a fairly easy process and well worth the effort if it proves effective in raising your score. Fixing mistakes on your credit history is generally the quickest way to raise your number.

There are multiple websites where you can request a copy of your credit report, but make sure they are credible before submitting your personal information. Credit Karma is one such reputable checker and it will ping both Equifax and TransUnion consumer credit reporting agencies. Experian is the other of the big three. You can also go to each credit reporting agency’s website directly to report a free copy of your credit report periodically.

Along with taking time to build your credit score, saving up some cash for a down payment will also go a long way in lowering your monthly payment and make owning a new vehicle affordable for you. Not only does a larger down payment help you qualify for a loan, but it means paying less interest overall due to the smaller amount of money you are borrowing.

Convincing a family member or close friend to co-sign your loan can also make owning a new car possible even with bad credit. Depending on the credit score of your co-signer, your rate could be much lower over the life of the loan and allow you to put more of your money toward the principal cost.

Whatever your credit score, a large dealership like Charlie Clark Nissan Brownsville has the tools, knowledge, and connections to help you secure a car loan. Thanks to partnerships with a large variety of lenders, Charlie Clark Nissan Brownsville has options for putting you in a new or used vehicle today. Call our financing team at (956) 214-2500 or come by Charlie Clark Nissan Brownsville to learn more about affordable financing options even with a low credit score.

Charlie Clark Nissan Brownsville
2547 North Expressway 77, 83,
Brownsville, TX 78520
(956) 214-2530
(956) 431-0911

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10-26-20

Charlie Clark Nissan Blog: The Advantages of Buying a Used Car from a Licensed New Car Dealer

The options can be almost dizzying for any buyer looking to purchase a used car. Deciding which route to take—from online marketplaces and auction sites to the shady lot on the corner—can leave your head spinning.
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