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Debt can be overwhelming, especially when you are paying every month for a car you're driving. On top of your monthly financing payments, you have to take care of maintenance and repair. So, when your tax refund comes in the mail, are you thinking that it might be time to pay off that loan once and for all? Maybe it's time to trade-in or buy something else? Check out these tips for how to spend your tax refund money in 2017. more Using Tax Refund to Pay Car Loan Paying every month for a car you're driving all the time can be frustrating. Instead of waiting around for your loan to finally be paid off, are you considering putting your tax refund down to get rid of the monthly payments completely? Consider these questions before you make the call: Do you have other sources of debt that are earning a higher interest rate than your car loan? It might be worthwhile to pay off your credit cards before putting money towards a car loan. Is there somewhere you could invest the money to make a bigger return than you are losing on interest by paying your car loan monthly? Do you plan on selling the vehicle or trading it in soon? If so, it's better to have it paid off as you will get a better price for it. Using Tax Refund Money to Purchase a Car The tax money arrives and you want to spend it on something worthwhile. You drive every day, so is a car a great place to put the money? First, you have to decide between paying a large chunk on the purchase of a used vehicle or using the money as a down payment on the purchase of a new vehicle. There are benefits to each, so consider each category carefully. Buying a new vehicle offers reliability and modern style, but you have to consider your finances down the road. Will you be able to make the monthly payments and handle any repairs and maintenance the vehicle needs as well? A previously-owned vehicle offers a lower price, but it's important to be sure you know what you're getting. Have a professional inspect the vehicle before you purchase to catch any issues before you put your money on the table.  '

So, you're in the market for a new or used car, and you've got yourself wondering whether paying in cash or taking out a loan is a better option. We're here to tell you that paying with cash might not always be the best idea, so when you're choosing between the two options, it's important to consider what's going to work with your financial situation. We'll help you decide! more Reasons to Pay Cash for Your Car Many people choose to pay for a car with cash because then they will not be paying any interest. When you pay with cash, you simply hand them the amount agreed upon and drive home. However, there are reasons that make financing a car the better choice. You might want to pay for your new car with cash if: You do not qualify for a low interest rate You don't trust yourself to make monthly payments on time The car is relatively inexpensive Reasons to Finance Your Car If you are buying a new car, one that is going to cost a decent chunk of change, you might want to strongly consider the convenience and advantages of financing. Many people can afford a nicer car through financing, rather than only buying the vehicle you can afford in cash on the spot. Making monthly payments can be tough or annoying for those with a tighter budget, but ending up with a more reliable vehicle might be worth the investment. Read More: Tips for Financing a New Car With Poor Credit If you have a decent credit score, you can potentially qualify for a low interest rate. A lower interest rate means that even after all those monthly payments, you will have paid much less in interest on top of it. If you have the room for close to a 20% down payment and qualify for a lower interest rate, it might make the most sense for you to choose a financing plan. Apply for Financing Pre-Approval Online If you are interested in seeing what kind of financing plan you qualify for, here at Palmen Dodge Chrysler Jeep Ram of Racine, fill out the online credit pre-approval form. Our financing team will work with you to choose the plan that best fits your budget and your lifestyle, and help you drive home in a great new or used car.

Car insurance is one of those necessary evils. We feel like we are constantly sending our money off into a black hole, but it must be done. So, if you are sick of your car insurance rates and are looking for some tips for lowering your car insurance rate, read on. We've got the 5 most common ways to lower car insurance payments, and we're going to fill you in! more Five Ways to Decrease Car Insurance Bills Get Multiple Quotes Before Committing: Different insurance companies charge different amounts, and if you aren't careful you could end up paying twice as much at one company over another. Shop around and get quotes from a variety of different places before putting all your eggs in one expensive basket! It might end up saving you over 50%! Ask About Low Mileage Discounts: If you drive significantly less than the average driver, there's a chance that you could score a lower payment. Check with your insurance company for any available discounts. Even without the discount on insurance, you're saving money on fuel! Drop Comprehensive Coverage on Older Cars: If you are paying for comprehensive insurance and your car's value is really low, consider doing some calculating to see if it's worth it. Here's a general rule: If you take your comprehensive coverage premium and multiply it by 10, that number should be less than the value of your vehicle. Avoid Lapses in Coverage: Lapses in coverage, even if brief, can put you out of the running for discounts. If you pay your insurance bills on time and keep yourself covered at all times (even if switching companies) you will end up paying less. Watch Your Credit Score: More and more insurance carriers are looking at your credit score to determine your rate. If your credit score is in rough shape, it might be worth trying to clean it up. If you are worried about financing a new car, fill out this form to get pre-approved!

If you've got credit that isn't exactly perfect, it can be tough to buy a car. Whether you're aiming to drive off in a new car, or simply something that's new to you, we want to help you get the set of wheels you are looking for. At Palmen Dodge Chrysler Jeep RAM of Racine, we have a huge up-to-date online inventory that makes it easy for you to see what vehicles we have in stock. We also have an experienced financing team that is here to help you navigate getting a car loan with bad credit in Milwaukee WI. more Car Loan Tricks for Bad Credit A low credit score can make buying a car trickier than it has to be. Of course, you don't always have time to grow a better credit score before you buy a car, so these are a few things to keep in mind. - Getting a car loan and making payments on time will help raise your credit score! - Your interest rates are likely to be higher with a lower credit score. - Make sure to bring a pay stub to show that you have a job, and how much you earn - Check your credit score ahead of time to address any issues the dealership might question Free Online Financing Tools for a Car Loan Here, at Palmen Chrysler Dodge Jeep RAM of Racine, we want to make your car buying process as quick and easy as we can. While a low credit score might mean you have a harder time getting a big loan with a low interest rate, it doesn’t mean you can't get the car you've been dreaming of. Read More: Used Vehicles that Get Over 30 MPG Using our free online tools, you can enter in your information and get pre-approved for a car loan without ever leaving your house. Our sales professionals will work with you to find a financing plan that fits your budget. From our website, you can apply to get pre-approved for a car loan, or even receive an estimate on the value of a vehicle you might trade-in during your purchasing process. Our goal is to find the right car for you, and we are willing to help you through a bad credit score. Contact our sales team to get started, and let us get you out on the road in a car you love. We look forward to hearing from you soon.

If you are a business owner and you purchased, or are looking to purchase a new or used vehicle for your business, then you might qualify for the section 179 tax deductions. Whether you pay in cash, are still paying off a loan, or are looking to finance a new work vehicle, you can use the Section 179 deduction to lighten the load and make your work vehicle more affordable. more What Qualifies as a Section 179 Business Vehicle? Any vehicle that you purchase and use predominantly for business purposes may qualify for the Section 179 tax deduction. Most of the vehicles that qualify for full Section 179 deduction are vehicles that inherently aren't likely to be used for personal purposes. Some of these vehicles include (from www.section179.org): Heavy "non-SUV" vehicles with a cargo area that is at least 6ft in length and cannot be easily accessed from the passenger area. Many pickup trucks with full-sized cargo beds quality. Vehicles that seat more than nine passengers behind the driver's seat. This includes vehicles like airport and hotel shuttles.  Classic cargo vans. These vehicles have a fully-enclosed driver's compartment/cargo area, have no seating behind the driver's seat, and do not have a body section that sticks out more than 30 inches past the windshield. Section 179 Vehicles Can Be Used When it comes to qualifying for the Section 179 tax deductions, the vehicle must only be new to you. Buying used is a great way to save money on a new work vehicle, and the team at Palmen Chrysler Dodge Jeep RAM of Racine has something for you. Read More: Specs and Options on 2016 RAM ProMaster Cargo Van The vehicle must be used to business at least 50% of the time, and you can only claim the deduction in the tax year that the vehicle was "placed in service." This means that when the vehicle is ready and available, even if you aren't using it, you will count that as the vehicle's tax year. A vehicle cannot receive a deduction if it was first used for personal purposes and then later used as a business vehicle.

Black Friday Deals on New Cars Racine WI 2015 If you're in the market for a new or used vehicle at a great price, then you are definitely going to want to stop by the Palmen Dodge Chrysler Jeep dealership lot in Racine WI this Black Friday. Not only will you find a wide array of vehicles up for sale at low prices, but you'll have a chance to take home tickets to the big game in February! We'll tell you more about it here. more Win Tickets to the Big Game in Racine WI If you stop in to see us at Palmen Dodge Chrysler Jeep of Racine WI, you have a chance to take home tickets for the big game in February. No purchase necessary! All you have to do is bring in your car. We'll take a look at the odometer, and if the number matches the number we have written down inside our show room, you get the tickets! It's as easy as that. Read More: More Years or More Miles on a Used Car? Sale Prices on Used Cars Racine WI All of our used cars are on sale during the month of November. Until the 30th, you have a chance to come in and take advantage of our Black Friday pricing. This means you can score a great vehicle for a price that won’t break your budget. Our team of automotive experts are always ready to help you find the perfect financing plan. New Cars on Sale for Black Friday in Racine WI Lots of our new 2015 inventory is up for extremely low prices for Black Friday! Whether you are looking for a 2015 Chrysler 200 or a 2015 Dodge Journey SUV, we have something for you. Big savings are in store, and the weekend of Black Friday is the perfect time to come and take advantage. Give us a call or schedule a test drive so that you can pick the best vehicle for you and your lifestyle.

How to Pick The Right Used Car When you are in the market for a newer vehicle, but you don't have the funds to afford the newest and brightest edition, there are lots of options out there. Buying a used car can be a great way to save money, but it's important to go through the process and find the right one! We'll give you some great tips for buying the right car in 2015, and how to spot issues you'll want to avoid. Read on! more Getting Started: Preparation is Key! Get pre-approved for a vehicle loan to see what your budget looks like. List what you want and need in a newer car. This will help keep you grounded during the search process. Read reviews for vehicles you are interested in to learn about what their faults and issues could be. Consider Certified Pre-Owned vehicles. These have been thoroughly inspected and are likely to spend less time in the shop after you purchase. Check This Out! Choosing the Right New Tires Check the Vehicle History: What You Don't Know Can Hurt You! Ask the vehicle seller for a history report. This will show any major repairs and maintenance done at a service center for your vehicle throughout its life. Check for open recalls on the vehicle, and ask the dealership whether the repair has been performed. Test Drive and Inspect: Hidden Issues Can Be Dangerous Make a check list of the features and options you want to test in the specific vehicle model you are test driving. Look over the vehicle before taking it for a drive. Ask the seller about anything that doesn't look normal or any rust issues. Those escalate quickly. Test everything. Lights, air conditioner, heater and all controls. (for newer vehicles, test the Bluetooth and other high-tech features as well!) Check the tires! If they are old and need to be replaced, it can mean hundreds of dollars after the vehicle purchase. Take that into account when discussing the price. Test drive with the radio off. You want to be able to hear and feel any issues with the way the vehicle drives without distraction. Don't Miss This! Engine Won't Start? Quick Tips! Buying From a Dealership Get as much of the buying process done online and then go in to finish everything up on a weekday when the dealership is less busy. This can make things go more quickly! If you are trading-in a vehicle, bring an estimated trade-in price from online along to the negotiation. It might help you to get a better deal! Those are our tips for buying a used car this year. If you have any questions or concerns, give us a call or leave a comment in the comments section below. We love helping our customers drive home in the perfect car! We're here to help! Our Used Vehicle Inventory Schedule A Test Drive Get Pre-Approved for A Vehicle Loan

All Inventory on Sale at Palmen Dodge Jeep Chrysler of Racine Purchasing a new vehicle can be stressful and anxiety inducing when the prices are high and there's very little information to get you through the process. The solution at Palmen Dodge Jeep Chrysler of Racine is to offer fantastic prices during the month of September, while also sharing valuable information pages about all the best selling vehicles in inventory for 2015. Read on to learn more about which vehicles are being offered at great discount prices during the Tag and Tent Sales Event! more Get the Car You Want for a Price You Can Afford! When it comes to choosing a new vehicle at Palmen Dodge Chrysler Jeep of Racine, it's easy to find what you need. Whether you are looking for something sporty and cool to drive around town, or a vehicle with entertainment features for the whole family, there is something here for you! Check out our information on some of these exciting models: Need to Finance? No Problem! If you are interested in financing for a new vehicle at Palmen Dodge Chrysler Jeep of Racine, we assure you that the process is simple and quick! Using our specialized online tools, you can get pre-approved for a vehicle loan, receive an estimated value for your trade-in vehicle, and even calculate your potential fuel savings with the purchase of a newer and more efficient vehicle. We want to make the purchasing process easily and stress-free for our customers, so be sure to let our excellent sales team help you in any way they can!

2015 Chrysler 200's come with 84-Month Financing Plan Buying a new vehicle is expensive and financing can be an intimidating process. When money is tight and you need a new car, it turns out that brand to turn to is Chrysler. Some of the super-popular 2015 Chrysler 200's come with an 84 month financing plan that makes buying a new car easier and more affordable. Want to know how to grab onto this deal before it's gone? Read on! more With the 2015 Chrysler 200 selling in record numbers, the Chrysler brand has stepped up its game by offering their golden goose with a great financing deal to go along with it.  There's a lot to love about the ultra-stylish Chrysler 200 that comes with the latest technology and an aerodynamic and sporty exterior. Now it's even better with the exciting financing plan offered on several different trim levels. READ MORE: Powerful 2015 Dodge Charger R/T Scat Pack has 285 Horsepower Chrysler.com shows that many of the more expensive trim levels offer the 84-month financing. As always, your credit score has an impact on the financing options available to you. Only those with really great credit scores are able to take advantage of the 0% interest plans, but it's definitely worth checking out. The friendly financing team at Palmen Dodge Chrysler Jeep of Racine is always happy to answer any questions you may have regarding new vehicles or the simple and quick financing process. To see what options are available to you, be sure to fill out our credit pre-approval form. You can also take time to schedule a test drive online at a time that fits your busy schedule. READ MORE: Girls Dance in a Dodge Challenger to Big Sean's Latest Song More information about the 2015 Chrysler 200 is available here, but the pictures below might convince you to stop in for the test drive. It's definitely worth the time to see how the great handling and exciting features make driving an unforgettable experience every time.

Which cars cost the least to insure Racine WI 2015? Insurance can cost an arm and a leg for expensive vehicles. There are a lot of factors that go into deciding your insurance premium, but if you buy a Jeep it doesn’t have to be as scary as you might think! Jeep vehicles are classic and have a great reputation, and because of that, you get to drive one without breaking the bank with insurance payments. We’ll tell you which vehicles cost the most, and which cars cost the least to insure Racine WI 2015. more Even the idea of paying insurance for a vehicle each month or year can be overwhelming on top of all the other expenses. One thing you can do to make this easier and less expensive it to choose a vehicle that is cheaper to insure. Sure, fancy sports cars are nice to look at, but the payments for insurance alone cost a bundle. Whereas family vehicles and SUVs are easier to insure and will save you serious money on payments. They are less expensive due to the fact that SUVs and other family vehicles don’t have the reputation for being driven dangerously, and cost less to repair or replace. The top three most expensive cars to insure are: 1. Nissan GT-R Nismo 2. Mercedes-Benz SL65 AMG Convertible 3. Dodge SRT Viper Not too surprised? Us either. The real surprise comes when you see that 3 of the top 10 cheapest vehicles to insure are Jeeps! Clearly we must be doing something right. Top 10 least expensive cars to insure: 1. Jeep Wrangler Sport 4WD 2. Jeep Patriot Sport 2WD 3. Honda CR-V LX 4WD 4. Dodge Grand Caravan SE Plus 5. Honda Odyssey LX 6. Jeep Compass Sport 2WD 7. Subaru Outback 2.5i 8. Ford Edge SE 2WD 9. Smart FORTWO Pure 10. Ford Escape S 2WD Interested in taking one of these Jeep vehicles out for a test drive? Give us a call or make an appointment online here. The 2015 Jeep Wrangler is an excellent vehicle that is stylish as well as versatile and rugged.

The powerful and aggressive-looking 2015 Dodge Charger takes home the gold from MotorWeek’s Drivers’ Choice Awards as the best sport sedan of the year. With all of the great features and technology in the Charger, it’s no wonder that they thought it stood out from the rest. The 2015 Dodge Charger with 3.6-liter V6 Pentastar engine is a winner and we’ll tell you a little more about what makes it so special! more In today’s market, a vehicle that has a nice fuel-economy rating and doesn’t cost an arm and a leg is going to be a big competitor. However, with the 2015 Dodge Charger, you get the great gas mileage and the affordable price, but you also drive off with an extremely powerful engine and some truly innovative technologies. The aggressive exterior of the new Charger meets with the comfortable and sporty interior to create a vehicle that owns the road. There is no comparison to the relationship between the driver and the asphalt in the 2015 Dodge Charger. It’s tight steering and 31 mpg highway rating makes the driving experience a pleasurable one that won’t break the bank. Spending less time at the fuel station and more time out adventuring the roads of life, means that you and your passengers will get where they need to go quickly and they’ll look great, too! Heads will turn as the Dodge Charger zooms by and you will feel like you are on top of the world. The award, however, was given to the best sport sedan based on several different factors. Firstly, the Dodge Charger is the only four-door sports sedan in American markets and it’s excellent fuel economy rating makes it worth a test drive. More pumped up trims offer even more powerful engines, with the Dodge Charger Hellcat speeding by with over 707 horses under the hood. Technology in the safety and convenience departments also make the new Charger an excellent choice for those who want to drive safely and with confidence. It’s all a matter of taste, but it seems that when you choose a 2015 Dodge Charger, you are joining the critics and auto-lovers everywhere who agree it is a fantastic car. If you are interested in taking one for a test drive, make an appointment online and check out our online inventory us here at Palmen Dodge Chrysler Jeep of Racine WI.

Affordable Cars on Sale at Palmen Finding great deals on cars can be a tricky business, but not at Palmen Dodge Jeep Chrysler of Racine! We are entering into the Palmen 1000 season. We plan on selling 1000 cars in two months and that means that there will be some really great deals. There are lots of affordable cars on sale at Palmen in Racine. more Aren’t sure what vehicle is right for you? Come on in to any of the Palmen dealerships in Kenosha or ours in Racine and our friendly and professional team will help you to decide. Want to see what we have available? Check out our huge online inventory of new vehicles! You can even sign up for a test-drive appointment here on our site. Looking for something more economical? No problem! We have a large selection of super affordable previously-owned vehicles. Check out our inventory here! We want to help you find the perfect vehicle for you and your family. One thousand cars is a big number, but we are sticking to our goal. That means that we are offering deals for our valuable customers that you will not find anywhere else. Every Palmen dealership has deals for you to check out. Here in Racine, we have great specials going on our Dodge, Jeep, and Chrysler vehicles. You will find the perfect car if you come in to see us. The latest innovation and technology is available to you here at Palmen Dodge Jeep Chrysler of Racine WI. We want to see you in a car that will save you gas money and time at the fuel station. We care about quality and customer service and that is why we are still around today. Come join the Palmen family and take home a new and more efficient vehicle today. We are looking forward to seeing you!