1. BUYING USED CARS TIPS FINDING A CAR
MUST MEET YOUR NEEDS- TYPE OF CAR-HOW WILL YOU BE USING IT
PRICE RANGE- HOW MUCH YOU HAVE TO SPEND
OTHER COSTS-INSURANCE-REGISTRATION-SALE TAX

3. COMPARING CARS MUST FIND AT LEAST TWO CARS
SIMILAR IN MAKE MODEL AND CLOSE IN AGE TO DO A GOOD COMPARISON
OFFICIAL PUBLICATIONS FOR COMPARING PRICES ARE
KELLY’S BLUE BOOK, EDMUND’S

4. WHAT TO COMPARE MILEAGE 10K TO 12K AVERAGE TYPE OF MILEAGE
GARAGE KEPT VS. NO GARAGE
ACCESSORIES CD PLAYER, POWER
LS, GS, GT ALL HAVE DIFFERENT PACKAGES FOR ACCESSORIES

5. PHONE CALL QUESTIONS ACCIDENTS SERVICE RECORD MECHANICAL WORK DONE
ORIGINAL OWNER
WHY SELLING CAR
TYPE OF DRIVING DONE
TEENAGER DRIVE THE CAR
LET MECHANIC LOOK AT CAR

6. CHECKING CAR OUT EXTERIOR OF CAR FROM ALL ANGLES
INSIDE AND OUT SIDE FOR UNUSUAL WEAR
LOOK FOR CHANGES IN COLOR OF PAINT
LOOK INSIDE TRUNK AND UNDER WHEEL WELLS
CHECK INSIDE OF DOORS
LOOK AT ENGINE

7. START CAR LOOK AT THE ENGINE RUN CHECK EXHAUST DRIVE THE CAR
ACCELERATE AT DIFFERENT RATES
BRAKE AT DIFFERENT RATES
HAVE MECHANIC OR SOMEONE WITH AUTO BACKGROUND LOOK AT HE CAR

8. MAKE AN OFFER START LOW THIS MAY DEPEND ON SUPPLY AND DEMAND
GIVE A DEPOSIT (CHECK) AFTER YOU AGREE ON A PRICE
YOU WILL THEN HAVE TO GET A BANK CHECK FOR THE REMAINDER OF THE PAYMENT
HAVE OWNER BRING CAR TO YOU

9. PAPER WORK CALL INSURANCE COMPANY MAKE, MODEL,YEAR OF CAR
VIN # serial # found on frame and engine
Need to know make, model year of car
GET A COPY OF INSURANCE

10. COMPLETING THE DEAL
SELLER GIVES YOU THE TITLE, SIGNED, WITH ODOMETER READING,DATE
Title - the official state ownership document
This document stays with the car until it is junked.
YOU GIVE THE SELLER THE CHECK ONLY AFTER YOU GET THE TITLE

11. REGISTER THE CAR BRING TO MVC INSURANCE CARD
TITLE 10 days to make transfer
CHECK FOR SALES TAX
YOU HAVE TEN DAYS TO DO THIS
INSPECTION 14 DAYS OR TIME LEFT ON STICKER

12. REGISTRATION NJ RESIDENT WHO OWNS A CAR 17YRS OLD
SAME IDEA AS WITH LICENSE
MUST BE WITH CAR AT ALL TIMES
ALSO INSURANCE I.D.
FINE FOR NOT HAVING THESE WITH YOU $100 MAX

13. REGISTRATION STEPS APPLICATION PROOF OF OWNERSHIP (TITLE) SALES TAX
INSURANCE POLICY NO.
REGISTRATION IS GOOD FOR ONE YEAR

14. REGISTRATION RENEWAL EVERY YEAR SAME MONTH
STATE SENDS FORM, YOU MUST SEND IT BACK WITH CHECK b

15. LICENSE PLATES
TWO PLATES (REAR MUST HAVE LIGHT) VISIBLE AT 50’ All lettering onplate must be visible FINE $100
12” TO 48”
MUST BE KEPT CLEAN (SNOW)
LOST OR STOLEN
REPORT TO POLICE GET NEW ONES AT MVS (KEEP COPY OF THE REPORT)

16. OLD PLATES YOU MAY TRANSFER THEM TO ANOTHER CAR OF SAME TYPE
IF YOU DON’T NEED THEM, TURN THEM IN TO MVS AND GET A RECEIPT
Report lost or stolen plate to police and replace within 24 MVC

17. INSPECTION EVERY TWO YEARS 5 \yrs new car SAME MONTH AS FIRST TIME
BRING LICENSE,REGISTRATION,INSURANCE CARD
IF YOU FAIL INSPECTION, YOU HAVE UNTIL THE END OF THE FOLLOWING MONTH TO FIX IT
May use a private inspection facility

18. PENALTIES FORGED OR COUNTERFEIT PLATES
FINE UP TO $500
UP TO 60 DAYS JAIL
AND/OR
LICENSE SUSPENSION

19. REGISTRATION WILL BE REVOKED
EXPIRED INSPECTION
MAY FINE YOU $100-$200
AND/OR JAIL 30 DAYS
REGISTRATION WILL BE REVOKED

20. TURNING RIGHT

21. RIGHT TURN PROCEDURE 1- RT. TURN SIGNAL 100 FT.
2- MOVE INTO RIGHT LANE
3- SLOW DOWN
4- TURN STEERING WHEEL TO RIGHT WHEN FRONT BUMPER PASSES THE INTERSECTING CURB
5- ACCELERATE GRADUALLY ALLOWING WHEEL TO SLIDE BACK THROUGH YOUR HANDS

23. 1- TURN FROM RIGHT LANE INTO CORRESPONDING RIGHT LANE
2- THIS ALLOWS A PERSON FROM THE OTHER DIRECTION TO MAKE A LEFT TURN INTO THE OUTSIDE LANE

24. LEFT TURNS

25. LEFT TURN 1- LEFT LANE ( LANE NEAREST THE CENTER OF THE ROAD
2- GET AS CLOSE TO THE CENTER LINE AS POSSIBLE
3- TURN INTO LANE NEAREST THE CENTER OF THE ROAD (LEFT LANE
Tip- if you have to wait, do it with your wheels straight ahead

26. LEFT TURN

27. INSURANCE LIABILITY (SPLIT LIMITS)
(Mandatory )Pays for injuries and damage to others
PERSONAL INJURY PROTECTION
Your own personal protection
UNINSURED MOTORIST
In case other person doesn’t have enough insurance
Comprehensive vandalism

28. Premium The amount of $ you pay for your insurance coverage Factors
Amount of coverage
How much you drive
Accidents and points
Type of car

29. Policy
The agreement between you and your insurance company Explains all the details of how you make an insurance claim for damages

30. Collision/ Comprehensive
Collision is protection for damages to your car.
Deductible – is the amount you are willing to pay before the insurance company takes over.
Comprehensive - Protects your car against vandalism

31. Uninsured Motorist/ personal Injury protection/Income protection
Uninsured motorist protection -In case someone hits you and they have no insurance
P.I.P. You own coverage for medical expenses. In case the person who injured you doesn’t have enough money to pay you bills.
Income protection – Will pay you for the wages lost due to injury

32. Factors affecting your premium
Your age
Your driving record (accidents and violations)
How much you drive
Type of car
Amount of deductibles
Amount of coverage

33. Why is Automobile Insurance so expensive in NJ
Population – large amount of traffic volume in a small area.
Lawsuits –
Medical care is high in this area of the country
High number of accidents
High cost of automobile repairs

34. Accident Report Always stop Warn oncoming traffic Notify police
Exchange name and insurance information
$500 damage report to MVC 10 days
Or police report
Must notify Insurance company

35. State Test Library (registration/turning)
A NJ registered vehicles must have LIABILITY insurance
Address change must be reported in 1 week
Hand signals – straight out = left turn
Out and up = right turn, down = stop
Signals should be used when – Turning, stopping, changing lanes
Passing on the Right is allowed when – a motorist is turning left and there is room to pass.
You will get an insurance Surcharge if: you get a D.U.I.,
(Liquor or drugs) Refusing the Breath Test

36. State Test
If you sell your car and don’t need you license plate, retun them to the MVC or send them to Trenton
Before making a turn the driver must; be in the proper lane, signal at least 100 feet before turning
Using your seat belt keeps you from sliding off the seat, from hitting the windshield and being thrown from the car.
You must stop for the following; pedestrians at all times, school busses on public streets with flashing red lights, and emergency vehicles. For emergency vehicles pull over to the extreme right and stop.