CarSmart Auto Service

Providing Saint Louis car owners with quality automotive services and repairs since 1980

CarSmart Auto Service - Providing Saint Louis car owners with quality automotive services and repairs since 1980

Protecting Your pickup From Theft In Marlborough, MO

Every car in Marlborough, MO is at risk for theft. So it’s up to us Marlborough car owners to make our cars a less appealing target and more of a challenge – hopefully sending potential thieves to look elsewhere.

The National Insurance Crime Bureau recommends a layered approach to protecting vehicles:

  1. Common sense
  2. Visible and audible devices
  3. Immobilizing devices
  4. Tracking devices

Let’s review each of these. First, common sense: you would be surprised how many vehicles are stolen in MO where the keys were left in the ignition with the doors unlocked. Always take your keys and lock the doors. In fact, in some places it’s against the law to leave a vehicle unattended with the keys in the ignition.

And don’t leave spare keys in the car or hide them outside – because a thief will find them. Marlborough motorists would be wise to park in well-lit areas that have a lot of foot traffic. If possible, park near the end of a row and near a light. Back your car into a parking space or your driveway to make your car more visible to passersby and harder for a thief to work under the hood without being seen.

Marlborough auto owners should know that it’s important to roll up their windows completely and avoid leaving their car in public lots for a long time. If you park in a lot that has an attendant, only give them the ignition key.

Keep valuables out of sight: purses, wallets, cell phones, clothes and even change are attractive “smash-and-grab” targets. And pay to have your Vehicle Identification Number, or VIN, etched into your windows – it makes your car less attractive to a thief who wants to send your car to a chop shop.

There are lots of essential visible and audible devices available for Marlborough motorists. A steering wheel lock is highly visible and will deter some thieves. Loud alarms can alert you and others that your vehicle is being tampered with. But if your alarm does go off, be careful. Observe what’s going on; get descriptions of suspicious people and vehicles, including license plate numbers.

Now, if you catch a thief in the act, call 911 but don’t approach the person. Your safety is more important than the car.

And here’s a great one – immobilizing devices. They actually shut off your car’s electrical or fuel supply. So without a key, or knowing where the hidden switch is located, a thief can’t drive your car away.

Finally, Marlborough auto owners can also get a tracking device that allows Marlborough police to track their car down and recover it quickly.

Remember, where you live, work and drive around Marlborough, MO has a great impact on your decisions. If you’re in an area with high theft rates, you may want to spend more money on security systems. And check with your Marlborough, MO auto insurance company to see if they offer discounts for adding any of these items.

Of course, the common sense suggestions from Carsmart Auto Service don’t cost anything and go a long way toward keeping your car safe from thieves. Take a look at the attached video auto tip from AutoNetTV.

Come see us at Carsmart Auto Service in Marlborough for practical advice on keeping your pickup safe.

Lease Or Buy?

Lease? Or buy? These are the options for Marlborough car financing. It’s always a tough question for Marlborough motorists. But here is some info that’ll help you make an informed decision.

If you buy, you’ll pay the full cost of the car, with maybe an initial down payment, then monthly payments on the balance that pays down the loan principal, and the finance charge.

Marlborough car owners who lease, finance the portion of the cost of the car that’s used up during the term of the lease. You’ll pay some money up front; fees, security deposit, first month’s payment and maybe a capital reduction. The monthly payments include a depreciation cost and a finance charge. When the lease is up, you return the car to your local Dupo area dealership. 

So how do Marlborough drivers decide?

First, how much do you have for a down payment? A lease usually requires a smaller down.

How much monthly payment can you afford? Again, lease payments will be much lower for any given down payment.

A lease needs requires better credit, so that’s a factor.

How long will you keep the car? Marlborough car owners who keep their cars around for a while will pay less if they buy. But just two or three years? Then leasing is the way to go.

Carsmart Auto Service
7921 Watson Road
Marlborough, MO 63119
314.968.9496

If your car might suffer a ding or two, like, say a work truck would, then buying’s better. The Marlborough auto leasing company will want their vehicle back at the lease end in tip top shape, and if repairs are needed, you’ll pay.

How many miles do you drive in and around the East Carondelet area? Important to consider because leases have a mileage limit, and if you go over, you pay a hefty charge per mile when the lease is up. So high mileage MO motorists should definitely buy.

Will the car be used in your Marlborough business? Check with your Marlborough accountant, but both financing options have different tax benefits, depending on your circumstances.

Over the short term, leasing is much cheaper for Marlborough motorists. Medium term, leasing and buying costs are about the same. Over the long haul, leasing always costs more in MO.

Leases may sound a bit complicated, and the typical lease decision weighs more on the monthly payment, rather than price. So sometimes Marlborough leasers may pay on a higher purchase price than a buyer would.

Here is a tip: If the Marlborough salesman asks if you’ll be leasing or buying, say you’re not sure yet. Make your best deal, then look at your Marlborough financing options.

Here’s another: With a buy or a lease, if you total the car, you’ll owe the full amount of the loan, or the balance of the lease payments, and usually, it’s less than the car’s fair Dupo market value  – and that’s all your MO auto insurance company will pay. But ask your Marlborough agent about gap insurance, which pays the difference between fair market value and what you owe. Big consideration for a lease.

Remember, you have to return your leased vehicle in excellent condition, and may need to do all the auto maker’s recommended service and maintenance, or face penalties. So see your local technician at your Marlborough auto repair shop  or Carsmart Auto Service on a regular basis, get the required work done and save the service records. It’s well worth it.