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Shopping Frequently Asked Questions

Zeck Chevrolet introduces a truly professional approach to your automobile purchasing decision, providing a fair deal to all of our customers. We guarantee that you receive a competitive price in your transaction – whether you buy a car with or without trading in your old vehicle. When you work with Zeck Chevrolet, you will have all the tools at your fingertips through use of our state-of-the-art website and access to our knowledgeable sales staff. Our goal is to make sure that the car-buying experience is one that you can truly be excited about.
We use a no-negotiation approach and do not pay our sales associates commissions. The basis of our approach to handling prices is the Kelley Blue Book© (KBB), accepted universally as the gold standard in the industry, with an almost 100-year history. The first Kelley Blue Book listing was in 1926 and the values in the database are constantly updated based on transactions that occur nationwide and is adjusted to account for the price level in our area.
Our website provides you with all you need to be ready for the transaction before you enter our showroom. The KBB value for each of the vehicles in our inventory is available on this site, (you can verify these by going directly the kbb.com site). We also provide tools to give you information on the financing options and you can even calculate your monthly payment if you know your credit score. You pick the cars you’re interested in before you come in, and test drive only the ones that meet your budget.
You can review the CARFAX report on the vehicles that meet your budget, also through our website. CARFAX provides you the history of the vehicle, including odometer readings at certain points, title history, and whether it was previously part of a fleet of vehicles. This provides you the information you need to be confident that your vehicle will meet your needs.
Not with Zeck Chevrolet. We use the same KBB process with trade-ins as we do with the car you purchase. To save you time, you can provide information on your vehicle in advance so that we can help you estimate the condition of the vehicle based on KBB standards. We will verify the condition when you come in and can provide a final price, usually by the time you are back from your test drive.
Whether you decide to trade your existing car in is up to you. You have the choice of buying the car with or without a trade and can make a decision based on the final value we provide.
Since our salespeople aren’t paid on commission, they are only there to provide you the information you need in order to guarantee that your car-buying experience is more than just pleasant – it is exciting!

Finance Frequently Asked Questions

Most individuals are not in a position to pay car dealers upfront for the full cost, fees, and taxes associated with purchasing a new or pre-owned vehicle. Fortunately, individuals who have a strong credit history, employment, and a reasonable salary have multiple financing options available to them through a private car loan or lease.
A loan is money borrowed from a bank or financing institution that provides a fixed term for paying off the loan with competitive interest rates and fees that largely depend on a loan applicant’s credit history, employment, and salary records. The monthly payments for the loan cover the interest rate, payment towards the principal balance, and miscellaneous fees for maintaining the vehicle. Car loan terms range from 24 to 48 months depending on the specifications of the contract. Once an individual pays off the car loan, fees, interest they then take full possession and ownership of the car. However, failure to pay off the loan can result in repossession, civil penalties, and possible criminal charges. Lease payments are considerably different than loans because they only apply towards the use of the car and its depreciating value. Leasing a car requires a similar level of qualifications in terms of credit history, salary, and employment records for successfully being transferred possession of the car by the financing agency. A leased car offers many benefits, such as having the ability to exchange your car for a newer car every few years after satisfying the terms of the lease. Additionally, a leased car can be purchased for its residual value that is equal to the MSRP or bluebook value of the vehicle minus the total cost associated with the lease term. However, leases can be costly as well, because for a newer vehicle there is an annual mileage limit of usually 12,000 miles per year. Individuals who commute frequently over long distances may end up paying a considerable amount of money if they exceed the mileage limit. Additionally, individuals who lease a newer car may have to pay for wear and tear to the interior and body of the vehicle when they return it back to the dealership or corporation at the completion of their lease term.
Our website provides you with all you need to be ready for the transaction before you enter our showroom. The KBB value for each of the vehicles in our inventory is available on this site, (you can verify these by going directly the kbb.com site). We also provide tools to give you information on the financing options and you can even calculate your monthly payment if you know your credit score. You pick the cars you’re interested in before you come in, and test drive only the ones that meet your budget.
A loan is terminated and satisfied when it is paid in full plus the outstanding interest, fees, and taxes. A bank will transfer a title to the initial borrower, who will then become the owner of the vehicle. However, when a lease contract is terminated, the automobile must be returned back to the lender. During the term of the lease, the lessor is in possession of the car title. The lessor allows you to borrow the vehicle for an initial down payment and fixed monthly cost. However, individuals have the option to purchase the car at the end of the lease period for the residual value remaining on the vehicle.
The bank and other financial instructions calculate monthly payment structures by assessing the value of the vehicle and predicting its depreciation throughout the term or period of the lease. The monthly cost of the vehicle is divided by the length of the term. The three primary factors associated with calculating the monthly cost of a loan or lease are as below.
  • First, lenders must calculate the adjusted capitalized cost of the vehicle. The estimated figure is represented by the real purchase price after variables, such as the down payment, negotiated price or discounts, and trade-in value of cars are subtracted from the MSRP or bluebook value of the capitalized (actual) cost. However, keep in mind lenders and financing agencies will also include charges for processing the car title, dealer fees, and license plate and registration fees.
  • Second, the predicted value of the vehicle at the completion of the lease term or residual value is calculated and then deducted from the adjusted capitalized cost to estimate the expected depreciation of the value of the vehicle. The residual value is calculated using multiple variables including but not limited to the term length of the contract, annual mileage limits, and year and make of the model.
  • Finally, a lender or lessor must calculate the profit and revenue associated with their automotive investment. A lender will examine the value and risk that correlates with the cost of servicing the loan during the lease period.
In order to maintain transparency, ethical, and fair business practices for protecting consumer rights, the Federal Reserve Board now mandates by law that dealers and lenders demonstrate to consumers all of the fees, down payment amounts, term lengths, residual values, and interest rates associated with financing an automobile at the time of publishing and collecting signature for the contractual agreement with borrowers. These steps were taken by the legislature to protect borrowers from predatory lending practices. Unscrupulous lenders have been known to charge usurious interest rates and unreasonable fees to further their business interests by deceiving unsuspecting consumers.

Insurance Frequently Asked Questions

Most of the laws about insurance vary depending on which state you are in. You should keep in mind that most states will require you to have, at the very least, liability coverage. Most states want to make sure that if you are in some type of accident you have some financial backing that will help you to pay for some of the costs. Most of the time, with very few exceptions, drivers are required to have insurance for any vehicle that they will be using. Two states that do not require liability are Tennessee and Wisconsin. These states do however require you to show that you have a sufficient amount of “financial responsibility” if you were to get into an accident of some kind. (Source: NH DMV website) Virginia is an exception to the rule as well. They will allow you to pay a $500 fee so that you can drive your vehicle without insurance but at your own risk. This fee must be paid every time you renew your registration. If you were to decide to go with insurance instead, in Virginia, you would have to meet their minimum requirements.
To protect yourself in the instance that you have to deal with an uninsured driver you can purchase what is called uninsured or underinsured motorist coverage. This type of coverage will pay for the medical bills you or your passengers might incur if you get hit by someone who doesn’t have enough insurance. Many states will require you to have this coverage anyway. When it comes to protecting your vehicle from uninsured or underinsured drivers you can get uninsured/underinsured motorist property damage coverage. Some states will offer this type of coverage instead of collision coverage. Your insurance will cover you across all states in the short-term. For instance, if you go on vacation than your insurance would cover you in another state if you got into an accident. If you move, on the other hand, you will have to change your insurance. The amount of time you have to do so might be different depending on the situation.
Liability is insurance that will cover bodily harm to other drivers, property damage and legal fees if you are responsible for a crash. This type of coverage will also cover if someone else is driving your vehicle and gets into an accident because you are then considered liable. Most of the time liability coverage is shown with three numbers such as 50/100/25. We decipher this by looking at the first number which shows you the max amount that will be paid for bodily damage ($50,000). The second number shows the full amount of coverage that is available for all injuries that are a result of the crash ($100,000). The last number shows you the max amount of property damage that will be covered ($25,000). The minimum rates for each state vary greatly. On the high end you can find Alaska which is 50/100/25 and on the low end, you can find California which is 15/30/5.
Comprehensive coverage covers a lot more. You do not have to be involved in an accident for this policy to cover damage to your vehicle. It could be a natural event, theft or even vandalism. You could even find that your vehicle is covered if an animal damages it and if your vehicle was to get stolen then you would get reimbursed with comprehensive coverage. You can even get coverage that will pay for broken glass which is called full-glass coverage. Collision insurance will pay for damage even if another vehicle is not involved. It will also cover damages on a vehicle that you don’t own such as a rental car. Another question you might want to be answered is what happens if the accident is your fault? Many states now have a “no-fault” policy so that no matter who is to blame for the accident your insurance will pay compensation. This is supposed to help with the liability process and help to avoid people who want to fake injuries and lastly, this will help to lower premiums.
Insurance rates are determined by looking at many, many different factors. Insurance companies will look at your personal information which includes your name, your address, your date of birth, your gender, whether or not you are married, if you own a home, whether or not you are employed, your education, your credit history, what memberships you have to different organizations and, of course, what your driving record looks like. A few other things that will be looked at are things like your family information which will include the other drivers and their histories. They will look at your vehicle information such as the year, make, model, what your vehicle is used for, frequency of use, how long you have had the vehicle, safety equipment, whether or not you have an alarm on the vehicle, your estimate of mileage for the year and the zip code where you will be parking your vehicle the most. Insurance companies will also be looking at your previous insurance information, what policies you had and with whom as well as how long you were with them. They will look at your previous claims especially looking at whether or not you are liable for any accidents. The zip code helps insurance companies know what the crime rate is in the area where you park your vehicle. A premium is a different word used for a rate which is what you will be charged to pay for the insurance. The deductible is a certain amount of money, determined by the insurance company, which you will owe each and every time you have a claim before the insurance company will cover anything. Usually, a high deductible will give you a low premium and vice versa. If the claim itself is below the deductible then you will be required to pay the entire amount. If a vehicle can be fixed for less than the amount the insurance company gives you to pay for it then it is completely legal to go ahead and get the vehicle repaired and keep the difference. The only thing that this might affect in the long run is if you have another accident. The insurance company might see that you didn’t use all of the money they sent on repairs so they will assume it is still available for the repairs from this accident. If you have a vehicle that has been in an accident and is considered a total loss than your insurance company has determined the vehicle is not able to be repaired. In this case, the insurance company will pay you what a similar make and model would cost. Most of the time you can choose whatever shop you want to have repairs done to your vehicle. If the shop is not approved by the insurance company then it may cost more. You can use aftermarket parts if you choose to. Most policies run every six months or every year and then you will have to renew them. When renewing your policy, you will have to take the time to look over everything you had on the previous policy including the number of drivers, drivers’ records, covered vehicles and more. A declaration page is a page from your insurance company that will explain in detail what your policy covers and the limits. It tells you what drivers are insured, which vehicles are covered and what all of this will cost you. Usually, you will get this page after you renew your policy or after you get a new policy.
There are additional ways to reduce your rates without any loss of coverage, and increasing deductibles and decreasing liability coverage will lower premiums. Maintain a record clear of any violations Drivers are offered discounts by many insurers for regularly demonstrating safe driving by not having any moving traffic violations or accidents on their records. Keep reliable coverage It is likely for those customers who avoid lapsing in their insurance, to obtain an improved premium when they apply for new insurance coverage. Take a Course in Defensive Driving Drivers with any moving violations on their records, or those that were involved in any accidents, are most likely to see reductions in their rates if they partake in official courses for driving defensively. Participate in an Improvement Course for Driving These courses meant to refresh your memory, will improve your skills and reduce your premium and are great for those that are aged fifty-five or older. Select the appropriate automobile Select automobiles are less expensive to get insured, contingent upon their features. For example, a standard Volvo and an enhanced Chevrolet Corvette will most likely have very different premiums.

Service FAQ

Many new and used vehicles come with warranties that cover different things that could go wrong with your vehicle. The main thing you want to do is understand the conditions for your particular warranty. Your warranty will most likely cover some unexpected repairs for your vehicle and will be written like this, “48/50,000” which means that the coverage of that warranty will last you either 48 months or 50,000 miles, whichever one you get to first.

You can actually have many different warranty periods listed so it is good to know what is being repaired. If you have a comprehensive “bumper-to-bumper” warranty it should cover everything for you except for routine scheduled maintenance. This warranty usually ends up being the shortest warranty of any of them. What is called a powertrain warranty lasts a little bit longer and will cover engine and transmission issues and if you have an anti-corrosion warranty it will last even longer than the powertrain warranty. The last thing that might be available to you is roadside assistance that is sometimes offered to you by a manufacturer but usually only for a small amount of time.

Another fact that you might want to remember is that just because you are buying a used vehicle doesn’t mean it is not under warranty. Warranties can be transferred most of the time so as long as the vehicle hasn’t reached the limits listed in the warranty it should still be covered.

To maintain a warranty, you should look in the owner’s manual to determine when maintenance is required to be done on the vehicle. You should also fix any repairs that are obvious and keep an eye on the “check engine” light as it will usually alert you when there is a problem. As the driver, all you need to do is take the vehicle to an authorized dealer when the repairs need to be performed. Stay away from dealers that aren’t authorized as this could void the warranty.

Keep in mind that warranties don’t usually cover all of the costs. A lot of warranties will cover the parts and labor of unexpected issues but they expect you to take care of the routine maintenance costs. All of this depends on the manufacturer that the warranty is from.

When it comes to the engine you should make sure you keep up with regular oil changes. Check your manual but most vehicles need their oil changed between 5,000 and 15,000 miles. Keeping up with the oil changes will help your engine work better and make sure it doesn’t seize up on you.

Another thing that is important to the functionality of your engine is the engine coolant. It is recommended that you flush the system and replace your coolant every few years or every 30,000 to 40,000 miles.

Spark plugs usually last up to 100,000 miles nowadays but you might want to go ahead and change them every 50,000 to 60,000 miles. The air filter will need to be changed but it will depend on what type of filter you have and where you are driving. The type of air pollution will also determine when the air filter needs to be changed. The battery also depends on the type of battery you have. Just remember that if a battery completely loses its charge it will never get back to full capacity.

Hoses, belts, general pathways, light bulbs, exhaust components and emission controls should be checked during your regular maintenance visits to avoid any problems. Wipers are more obvious when they need to be replaced and you have a lot you can choose from.

Tires are generally able to last anywhere between 30,000 and 70,000 miles. It will all depend on what type of tire you get and how aggressive you are when you drive. Sometimes you will have to look at different tires for different weather but there are also all-season tires available to you. Make sure you do your research before you decide which tire is right for you. Brakes also depend on how you drive. If you brake hard you will have to replace them more often and that replacement will also require new pads and sometimes rotors.

Zeck Chevrolet is located at: 1601 N Green • Purcell, OK 73080
Zeck Chevrolet 35.0303, -97.3668.