Lease? Or buy? It's always a tough question for residents in the Burnsville area. But here are a few ideas that'll make the choice more clear.

Either option gives you a choice of how you might finance your car. 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.

If you lease, you're financing the portion of the cost of the car that's used up during the term of the lease. When the lease is up, you return the car to your local Burnsville area dealership. You'll pay some money upfront; fees, security deposit, first month's payment and maybe a capital reduction. The month payments include a depreciation cost and a finance charge.

So how do you decide?

First, how big a down payment can you make? A lease would require 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 you to have better credit, so that's a factor.

How long will you keep the car? If you tend to keep your cars around for a while, buying is cheaper. But just two or three years? Then leasing is the way to go.

Valley Auto Care
7125 151st St. West, Suite 105
Apple Valley, Minnesota 55124
952-431-2700

If your car might suffer a ding or two, like, say a work truck would, then buying's better. The leasing company will want their merchandise 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 Burnsville 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 means a buy.

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

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

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

Here is a tip: If a salesman asks if you'll be leasing or buying, say you're not sure yet. Make your best deal, then look at 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 market value – and that's all your insurance company will pay. But ask your 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 manufacturer's recommended service and maintenance, or face penalties. So see your local Burnsville service center on a regular basis, get the required work done and save the service records. It's well worth it.

If you've walked through the automotive fluids of an auto parts store in Apple Valley, you'll know how overwhelming the sheer number of products available can be. How do you know what's right for your vehicle?

As you know, these fluids all serve a function in making your car run as you drive around the Apple Valley area. Your vehicle manufacturer has specified a particular type of fluid for every system from the motor, to the cooling system, brake fluid and so on. When you realize that not every variation is applicable to your vehicle, the task becomes more manageable.

First let's talk about why there are so many varieties. Starting with motor oil, we see that manufacturers match the properties of a particular weight or type of oil with the design needs of the engine. For example, engines with sophisticated valve trains often require a thinner weight of oil.

Some vehicles around Apple Valley come from the factory filled with synthetic oil and the recommendation to use it for life. The safe bet is to always use what the factory recommends. The recommendation is what's been proven to work in function and durability tests. The recommended oil is also a factor in determining oil change interval schedules.

A good quality oil has more additives that are engineered to clean and protect the engine. They cost a bit more, but are worth the extra protection. If you buy budget oil, you might want to consider shortening your oil change interval.

Sometimes fluids are developed specifically to meet the needs of a particular family of engines. An example would be coolant. Because of the different materials used to build the cooling system, the coolant has to be formulated to protect those parts, which vary from manufacturer to manufacturer, from corrosion. We've seen special coolant in Apple Valley for General Motors, Volkswagen, Chrysler and others.

The same is true of transmission fluid and brake fluid in recent years.

The really good news is that your Apple Valley service center has databases that tell them the recommended fluids for your vehicle. This takes all the guess work out. If you have some special needs, like a higher mileage engine or want enhanced performance, ask your service advisor for upgrades or additives that'll meet your needs while being consistent with the manufacturer's recommendations.

Of course, your full-service oil change will top off your fluids. But it's a good idea to have some of everything at home in case you need to top something off yourself or to take on a trip. Ask your Apple Valley service advisor at Valley Auto Care or check your owner's manual for fluid specifications.

It's important to know that there are national warranty laws that say that a manufacturer cannot require you to use their brand of fluid to maintain your warranty. That said, there are two things that may affect your warranty.

Using the wrong type of fluid may void the warranty. Going back to radiator coolant, the correct type protects against corrosion and the wrong type will not. So it's important to be right.

Also some warranty protections are conditioned on taking care of scheduled preventive maintenance. Please review your warranty if you have questions.

If you've ever been driving around Apple Valley and had a headlamp go out, you've probably just wanted to replace the bad bulb. If your car uses halogen headlamps, they dim over time. So if you just put in one, they won't have the same brightness which can be distracting and will affect your field of vision.

To have your headlights inspected, visit us at Valley Auto Care. We're at 7125 151st St. West, Suite 105 in Apple Valley, Minnesota 55124. Or give us a call at 952-431-2700

Experts in Apple Valley recommend replacing your halogen headlamps every year. It's easy to remember if you do it when daylight savings time changes in the fall. That way you'll have bright headlamps for those long Apple Valley winter nights.

There are other types of headlamps in addition to halogen. There are the old standard bulbs that have been around for decades. These are OK, but you can usually upgrade to halogen. They cost a little more but you can't believe the difference. If you do a lot of night driving you might want to use a premium halogen bulb that filters out the yellow hues and give a very white light that's a lot like daylight.

You may have noticed those bluish headlights on luxury cars. They are high intensity discharge or, HID lamps. They really light up the road. You can upgrade to HID on some vehicles. These cost quite a bit, but they'll last for the life of your car. If you want your Apple Valley friends to think you have HIDs, you can get halogens with a bluish tint - no one needs to know.

Seriously, though, night driving is all about reaction time – time to stop – time to get out of the way. You can't react to what you can't see. You need headlamps that'll give you a good view down the road and good peripheral vision as well. And your headlights need to be aimed correctly so you can see and also, to keep your lights from shining off into on-coming traffic.

You may have seen older vehicles with headlights that are awfully dim and maybe even yellow. That's because the plastic headlight lenses have gotten cloudy and yellowed with age. They can be replaced, but many Apple Valley service centers offer a service to restore the lens that's a lot cheaper.

You can't drive if you can't see. AAA reports that nine out of ten vehicles have dirty or yellowed headlamps. So run the window squeegee over your headlights when you gas up to clear the dirt and bugs. Get your lenses restored if they need it and don't forget to replace your standard or halogen bulbs every fall.

People near Apple Valley Minnesota often ask Valley Auto Care how often they should have a particular service done. It's a great thing to ask. You can look at your owner's manual, or have your Apple Valley Minnesota service advisor at Valley Auto Care look up your vehicle in a service database. What you find is often a surprise to people – there are actually two service schedules.

One is the regular schedule and the other is the severe service schedule. Service intervals are shorter on the severe service schedule. When asked, most folks in Apple Valley Minnesota will say that their driving is normal and that the 'regular' schedule probably applies to them. 'Severe service' sounds pretty extreme – 'I don't drive like that'.

Well, here is what the manufacturers say constitutes severe driving conditions; you can draw your own conclusions.

• Most of your trips are less than four miles.
• Most of your trips are less than ten miles and outside temperatures are below freezing.
• The engine is at low speed most of the time – not on the highway. You operate your vehicle in dusty areas.
• You regularly tow a trailer or carry heavy loads.
• Drive with a car-top carrier.
• Stop and go driving.
• Driving in very hot or very cold weather.

If that's severe driving, what constitutes regular driving? Well, it would look something like this: I live somewhere with moderate temperatures all year round – I'm thinking San Diego here. And I live close to a freeway on-ramp. Everywhere I need to go is right off the freeway, at least four miles from my home. I can drive at a steady 60 miles per hour when I'm on the freeway.

I don't know about you, but that doesn't sound like my normal driving. It sounds more like ideal conditions. I live where it gets hot in the summer and cold in the winter. I run short errands around Apple Valley. Occasionally we load up for family trips.

For me, normal driving includes elements of severe service driving. So here's what I tell people: think about how you drive, where you live, where you go and what you are expecting to with your vehicle in the near future.

Picture a line with 'regular' on one end and 'severe' on the other, and make a judgment on where you fall. If your regular oil change recommendation is 5,000 miles and the severe service recommendation is 3,000 – when should you change your oil? For me, it's closer to 3,000 miles. For my wife, it's closer to 5,000 miles. Your Apple Valley Minnesota auto service advisor at Valley Auto Care will be happy to have this discussion with you and help you sort it out.

Just a quick word on why severe service intervals are shorter. One has to do with heat. That can either be external heat from the weather or engine and transmission heat from stop and go driving or working extra hard moving heavy loads or towing. The heat causes the fluids like oil and transmission fluid to break down more quickly and then they aren't as effective.

Another factor is water. Moisture naturally collects in fluids as they cool. In your motor oil, for example, if you don't drive long enough for the oil to fully heat up, the water won't evaporate. Water in the oil can lead to the buildup of damaging sludge.

If you live where the air is dusty or polluted, fluids will become contaminated and filters will get dirtier more quickly.

So make an honest evaluation of your driving conditions. You've made the commitment to take care of your vehicles, so it only makes sense to follow the right schedule.