Cockeysville

10026 York Rd
Cockeysville, MD 21030 410-656-8787

Frederick - 355

5616 Urbana Pike
Frederick, MD 21704 301-663-4456

Frederick - Rt 40

1427 W. Patrick St
Frederick, MD 21702240-439-6910

Ellicott City

8594 Baltimore National Pike
Ellicott City, MD 21043410-401-4040

Hi Lo Auto Sales - Frederick - Used Car Dealership - Frederick MD

Hi Lo Auto Sales - Frederick Selling Used Cars in Frederick, MD.


Finding the Right Used Car in Maryland

 As soon as you drive a new car off the lot, it depreciates (goes down in book value). If you are looking for a dependable vehicle that fits your needs, consider driving a used auto. Sure, it may take extra time to find the used car on your "want list," but the value is worth your time.

Due to many factors, including COVID-19, the automobile market is tight in Maryland. Inventory has been low in the past six months, but there are solutions to fit your needs. Here, we will outline a few steps to take to find the automobile that fits your budget.

Used Car Search Steps & Tips

 First, browse our recent blogs and establish your budget. How much car can you afford? What is your credit score? Once you have your budget range, and know your credit score, follow the below steps.

  1. Yes, there are many car search websites, community bulletin boards, digital magazines, and even print magazines for a Maryland car search. Purchasing a used car does involve more steps than buying a new car. Instead of browsing digital and print lists of used cars for sale across Maryland, consider visiting a used car specialist.
  2. Before contacting a used car specialist, make a list of both needs and wants of the auto features. An example of a "need" is a 4-door vehicle with an easy-to-use hatchback. An example of a "want" would be a Bose sound system. Once you have created your list of needs and wants, spend some time reading online reviews of the best used cars of the year. Browsing reviews with your list will help you establish a target list of potential autos.
  3. Call the sales department at the used car specialist dealership and review your list of needs, wants, and potential auto candidates with a trained sales professional. If they do not have the exact car of your dreams on their lot, they may have it on the lot at a different location or have a lead on finding the auto.
  4. Keep an open mind and be willing to test drive alternatives. This is where a trained, used car professional can assist. They can suggest alternatives. Be prepared to test drive several options. You may just be surprised at what you find.

 5 Reasons to Buy from a Dealership

 As you read this blog, you may be wondering why you should purchase from a dealership instead of an auto found on a community sales board. Well, here are a few reasons.

  1. Auto Financing: An auto dealership can help find funding to fit your needs. If you are financing your purchase, consider the options provided through the dealership.
  2. Certified Used Cars or Warranties: It may be easier to find a used car with an existing manufacturer's warranty when shopping at a dealership. You will also find financing deals on Certified vehicles—and lower interest rates. Some used car dealerships also provide warranties.
  3. Easy Car Purchase: The purchase transaction will be seamless. Let trained professionals handle the paperwork, including registering your auto in Maryland.
  4. Trust: Most used car dealerships have been around for a long time and have a reputation in the community to hold.
  5. Clear Vehicle Title: Unlike a private-party auto sale, a used car dealership can guarantee a clear title.

Purchasing a Used Car in Maryland

 Although the auto industry has taken a hit in 2020, there are used car options available in Maryland. HiLo Auto employs trained professionals that can guide you through the process of finding the perfect used car. If you are a first-time car buyer, ask about our unique program. HiLo Auto is the Used Car solution in Maryland.


 


Purchasing a Used Car or Lease New?

 You may be weighing the options purchasing a used car vs. leasing a new vehicle. Many who need a vehicle compare the two options. Well, here is the blog that outlines the Pros and Cons of choosing to lease a vehicle.

Before looking at the Pros and Cons of each choice, ask yourself two key questions. 

Question 1: How will you use the car? Will you use the vehicle for commuting across the region or as a mobile business office? Or are you only going to use the car to drive around town and run a few errands? Perhaps it is a "weekend drive" car.

Question 2: How long do you want to keep the car? Do you enjoy driving a new car every three to four years?

A Look at the Leased Auto Market

When leasing a new auto, your out-of-pocket expense is lower than purchasing a used or even a new car. Often, you can find a “no money down” lease.  

The secondary benefit of leasing an auto is driving a new car every three to four years. If you need an “image car” for your job, a lease may be your best choice.

But there are negatives to choosing an automobile lease for your transportation needs. Here are a few of the negatives to consider before signing on that dotted line and driving a leased car off the lot: 

  1. You will still have monthly payments. Leasing an auto means that you will always make monthly payments. Depending on the automobile of choice, they may be similar to a used car's monthly payment.
  2. Your insurance premiums may be higher on a leased vehicle. Keep in mind that the lease company will outline the insurance needed to keep the lease in good standing.
  3. Your contract includes the average number of miles per year you may drive the car. What happens when you go over the mileage allotment? You will pay a penalty fee when you turn the car back into the dealership. Some leases include a per-mile penalty. Do you want to spend the 3 to 4-year lease stressed about miles driven?
  4. Often, leases include a wear and tear penalty. Be prepared to pay a fine for dings, scratches, and stained upholstery. Just like watching mileage, you will also be monitoring all wear and tear and estimating your penalty.
  5. You cannot make any changes to your leased car. Want to add a smartphone holder to your dash? Will it leave a ding or a scratch?
  6. AND the big negative: At the end of the three to four-year lease, you do not own the car. You return the auto to the dealership, and you have no equity from your monthly payments.

The Benefits of a Used Car  

If you’re weighing your options between a new car and a used car, browse the weekly HiLo Auto blogs. HiLo Auto is Maryland's choice for used vehicles. We often help customers compare the purchase of a new car vs. a used car.

Maybe you are considering an auto lease because your real desire is to drive a new car. There are late model used cars available in Maryland that offer many benefits. Here are a few benefits of a used car.

  1. When purchasing a used car, you will have lower out-of-pocket expenses than buying a new car.
  2. Your insurance payments will be lower with a used vehicle.
  3. The value of a new car drops as soon as you drive the car off the sales lot. Most of the depreciation in a vehicle is within the first three years. Used cars hold their value longer.
  4. Today, a well-maintained used car will perform well past 100K miles.

As you compare your choices and create a Pro and Con list, answer the questions in this blog.  Then, review our benefit and negative list. The HiLo Auto Team is here to answer your questions. How can we help you?


 



The New Commute

Those of us who live in the Maryland region, and work in DC or Northern Virginia, know "The Commute." Many of us left home at dawn, and our commute included the MARC rail, the Metro, or a carpool. Or maybe a combination of public transportation.

More than 40% of us have been working at home over the past six months. The commute has been a walk down the hall of our home. Have you started thinking about your return to company office? You know that could happen over the coming months. 

Right now, train stations, metro stops, and regional buses are relatively empty. And it may stay that way far into the future. Ask locals about their thoughts on returning to public transportation post-COVID, and you do not get a favorable response. Many do not even like the idea of carpooling with friends in their neighborhood. Ride-sharing apps get a hard "no."

The Personal Car Commute

 One trend emerging from the virus pandemic is a return to the commute in a personal car.  Even as employers consider a more flexible office-home balance, many will return to the office, at least a few days a week. Most will drive to work.

Attitudes about commuting have changed. A personal car has become the transportation of choice for the new commute. It is your private space, and social distancing is a given. So are sanitizing choices. There are few unknowns as you drive your personal car—or share your ride with a small group…The car is your COVID bubble. 

If you live near public transportation options, you may have started 2020 either without a personal car or sharing a car in your household. You may be forward-looking into 2021 and considering a personal auto solution for your commute. 

The Used Car Solution

 This year, we have written blogs about the actual cost of car ownership and "How Much Car Can I Afford?" We think that a used car is the perfect future commuting solution. (For ideas, be sure to browse our recent blogs.)

How much does a new car depreciate in the first year? The answer is 20-30%! 

In the past 20 years, the DMV urban sprawl has creeped out 40+ miles. The average office worker can commute those 40 miles each way. Do you really want to add those miles to your new car and increase the rate of depreciation? No, you do not. 

A used vehicle is the perfect personal car solution as you resume commuting to the office. 

What Is the Cost?

A used car is a great commuting solution, but you may be wondering about the cost.

One way to cover the cost of a used auto for "The Commute" is to use funds you once spent on public transportation. Or perhaps your employer once provided metro cards, train tickets, or ride-share funds as an employment perk. If you are asked to return to the office environment, can those funds be shifted to a car allowance?

As you calculate the cost of used car ownership, also consider fuel and maintenance. You will also want to discuss the purchase with your insurance agent. Be sure that you can afford not only the auto but the real cost of ownership. (Another reason to browse our weekly blogs—we provide the math and the stats on auto ownership)

Look to the Future

HiLo Auto stocks used cars in a multitude of price points. We are also a team of sales and service professionals that can introduce you to trusted lenders. We even have a First Time Auto Buyers Program

Look to the future…are you ready to resume “The Commute”?  What is your plan? 


 


How Much Car Can I Afford?

Are you considering purchasing a new or used car but not sure how much car you can afford? If you are applying for an auto loan, we have the facts and numbers to consider.

Follow our guide in this blog and know how much of a monthly loan payment you can afford before starting your auto search.

Do the Math

First, we will give you a quick answer, and then we will back the numbers up with details. If you are purchasing a new car, you can afford a monthly payment that is up to 15% of your monthly take-home pay (or net income).

If you are purchasing a used car, you can afford a monthly payment of up to 10% of your monthly net pay.

But…why the percentage difference? Why can you afford a higher monthly payment if you purchase a new car? Well, lenders anticipate that the maintenance cost of a new vehicle will remain low for the first three years or 36,000 miles. You may not have to replace the tires, and many break-fix expenses will be covered under the original warranty.

The True Cost of Ownership

Purchase a new car or used auto and your lender will adhere to the general numbers outlined here. They want to ensure that you have funds available for the actual cost of ownership. 

Besides the monthly loan payment, what ownership expenses can you expect? Here are the top three-monthly fees, on top of your loan payment:

  1. Insurance Premiums
  2. Fuel
  3. Maintenance: Oil Changes, Tires, and Miscellaneous Break-Fix Items 

You can expect to spend $99/month on these items on a vehicle that has less than 36,000 miles on the odometer. As your car ages, that cost can go up.

Why Purchase a Used Car?

 You may be able to afford the payment on a new car, so why purchase a used car? There are a couple of reasons that the purchase of a used car makes financial sense.

  1. A new vehicle depreciates at a faster rate in the first 3 years of ownership. The depreciation begins as soon as you drive the auto off the lot. It is possible to find the perfect auto that checks all your needs, at a favorable price—like a used car.
  2. Own a car, do not let the vehicle own you. Do not dedicate a large slice of your monthly budget on vehicle ownership. Purchase a used car that allows you to stay within your budget.

Two More Tips from HiLo Auto Sales

As you begin your search for a used auto, here are two tips from the team at HiLo Auto. HiLo has a First Time Car Buyer Program and can also assist with matching you to a lender.

In addition to knowing your net monthly income, also consider the below two tips:

  1. Do you know your credit score? Are there steps that you can take to improve your credit score? Your net monthly income is paired with your credit score as lenders review your loan application.
  2. Do you have money to put down towards the purchase of a used auto? Putting money down provides the buffer to allow the purchase of a higher-priced car. Or putting money down may be the deciding factor with a lender.

HiLo Auto is Maryland’s leader in used auto sales. Schedule a Test Drive of automobiles that fit your needs.  Let us match you to a lender or include you in our First-Time Buyer’s Program.  How can we help you?


 


Prepare your Vehicle for Cold Weather

It is officially Fall, and it is time to ensure that your vehicle is ready for cold weather. Did your car's heater stop working late last Winter, and did you procrastinate getting it fixed? Now is the time to review our cold weather check-list and prepare for cold weather driving.

The HiLo Auto Cold Weather Driving Check List

 Tire pressure is always important but becomes critical during colder temperatures. Ensure that your vehicle's tires are properly inflated. Browse our blogs for a featured article about the importance of tire pressure and properly inflate your tires.

  1. In addition to checking the tire pressure, inspect the tread on your tires. Driving on tires that should be replaced is dangerous on Winter roads. Is it time to replace your tires? We recently wrote a blog on tire tread too. 
  2. Change your oil. As we head into the colder months, it is good to go ahead and purchase a full-service package. Have your tires checked, the antifreeze checked, and your oil changed.
  3. Check your heater AND the defroster, even if it worked late last Winter. Run a test to ensure that your heater and defroster are in excellent working condition. If your heater or your defroster needs service, now is the time to book a repair appointment. Keep in mind that the COVID-19 crisis has caused delays in service appointments and parts availability.
  4. Inspect your battery. Cold weather is hard on your automobile’s battery. At 32F, your car’s battery loses 35% of its strength. How many 32F mornings do we have in Maryland during the late Fall and Winter? A lot. You do not want to get caught with a vehicle that will not start. If it is time to replace your battery, put the task on this week’s to-do list.
  5. Last Summer, we wrote a blog about the importance of maintaining an on-board emergency kit. As the weather turns cold, it is time to add some extra items to your kit. Be sure to include a windshield scraper (or two), a pair of warm gloves, a hat, some non-perishable snacks, and even a blanket to your kit. If there is a sudden Winter storm, you may get caught on your commute. (For a full list of emergency kit ideas, browse our blogs)
  6. Winter road salt and sand degrades the surface of your vehicle. It can also lead to maintenance problems. It may be too cold to wash your car yourself; so, find a local car wash during the winter months. Some even provide a discount for the pre-purchase of car washes.
  7. You may be working from home this Fall and Winter. It is always a good idea to periodically start all vehicles. Start them, check for problems, and run a few errands. Regular use ensures that your car will start when needed.

Fall and Winter remain an excellent time to also purchase a used vehicle. HiLo Auto is Maryland's solution for your purchase of a used auto. We even have a first-time buyer's program. How can we help you?





Your Used Vehicle And The Maryland State Inspection Program

 You are considering purchasing a used vehicle and ensuring that you know all the facts and potential aftermarket expenses. When buying a used car in the state of Maryland, the vehicle will need to pass two inspections:

  1. General Maryland State Inspection
  2. Maryland Vehicle Emissions Test

Maryland State Inspection

 As you are looking at used vehicles, and reviewing your options, keep the below checklist handy. Your car will need to pass an inspection within 60 days of its purchase. Below is a list of items that will be checked during the Maryland State Inspection. 

  • Steering
  • Brakes
  • Suspension
  • Wheels
  • Tires
  • Fuel System
  • Electrical System
  • Exhaust
  • Lighting
    • General Condition: Inspect for the presence and proper function/condition of driver's seat, safety belts, speedometer, odometer, all doors, and respective latches, hinges, handles, vehicle hood and latch, windshield wipers, emissions equipment, gear selection indicator, CV boots, mirrors, vehicle glazing

Also, your vehicle must pass a Maryland Emissions Test. Keep reading for details on that mandatory test.

As you look for your next used car, ensure that any candidate will pass the Maryland Inspection.  If you are purchasing from a private owner, who will cover the inspection cost or the cost of any needed repairs? If you are purchasing the used vehicle from a dealership, ask your sales representative about a Maryland inspection status.

Maryland Vehicle Emissions Test

If you live in Maryland, you should know about the MD Vehicle Emissions Testing Program. The state-wide program helps protect both the air and water of Maryland. If your automobile does not pass the emissions test, repairs will need to be made. 

The current Maryland law states that all vehicles tagged in Maryland (MD License Plate) must have an official emission test every two years. The smog test is tied to the renewal of your automobile registration. 

Are any automobiles exempt from the bi-annual test? Yes, some vehicles are exempt from the test. You can find a full list here.      

Approximately eight weeks before the registration renewal date, you will receive a postcard with test information. There is a $14 fee at the time of the inspection.

Purchasing A Used Car In Maryland

 If you’re considering the purchase of a used car in Maryland, browse our blog posts for continued information and tips. Make a list of your wants and your needs in a vehicle. But as you look at cars, ensure that they will pass the Maryland State Inspection and Vehicle Emissions Test before the purchase.

HiLo Auto is your used car solution provider in Maryland. We can help you find the used car that fits your needs and assist with financing options. Are you a first-time car buyer? Ask about our unique program.


 




Tips for Tire Pressure

As the temperatures change in Maryland, now is the time to talk about tire pressure maintenance. It is wise to always monitor your vehicle's tire pressure, but as temperatures decline, the pressure in your tire contracts.

Why is Tire Pressure Important?

In this post are some HiLo Auto Tips for maintaining proper tire pressure on your vehicle, year-round.

First, what are the benefits of keeping the correct pressure in your vehicle's tires? Here is a list of 3 essential benefits and safety precautions to note:

  1. Proper tire pressure keeps your vehicle a safe form of transportation. Under OR, overinflating tires negatively affects handling, cornering, and even stopping.
  2. Properly inflated tires wear evenly and last longer. Replacing tires is a budgeted cost to vehicle ownership. You want your tires to have an expected lifespan. (For other automobile ownership budget items, browse our blogs for tips)
  3. Tire pressure is tied directly to the fuel economy.

What Is the Proper PSI for My Auto’s Tires?

 We get this question a lot. There are a few places to find the answer to this question for your specific vehicle. It is important to note that tire pressure is specific to your car.

The tire pressure is always noted in the vehicle’s owner’s manual. If you do not have the manual, you can often find and download the manual online. If you do not have the original manual, consider downloading it to your laptop for future reference. 

But here is the best tip to quickly find the recommended tire pressure for your vehicle. Open the driver's door, and you will find a label in the driver's side door jam.

Important Note: The PSI for your front axle tires may be different than your rear axle tires. If so, this will be noted on the label in the door jam or within your owner’s manual. 

What Tools Do I Need to Maintain Proper Tire Pressure?

The good news is that maintaining proper tire pressure is not expensive. 

One tip is to ensure that the pressure is checked each time you have the oil changed in your vehicle. Most oil change services include a tire check, including a review of the tread on your tires. But you should also check tire pressure between oil changes. It is easy, with the correct tool.

Checking your vehicle's tire pressure is a little more than walking around the car and looking at the tires. You need a tire pressure gauge. You can find a gauge for less than $10 at any auto supply store and in the auto section of any big-box store. 

If you find that your auto's tires are underinflated, you can find an air compressor at many fuel stations and even car washes. Many are free to use or charge a nominal fee. Use your gauge to ensure that you do not overinflate each tire. Remember that an overinflated tire is also a hazard to the performance of the vehicle and your safety.

HiLo Auto is your solution for used vehicles in Maryland. How can we help you?  (And we are also interested in purchasing your well-maintained used car. Give us a call.)


 




HiLo Auto’s Best Tips Round-Up

If you have been following our weekly blog, you have no-doubt noticed that our goal is to provide helpful tips for used car buyers. HiLo Auto is a leading used car solution in the Maryland region. Our goal is to help you find the used car that fits your needs while providing helpful industry tips and news. 

As Summer turns into Fall, we thought it would be helpful to provide HiLo Auto’s Best Tips Round-Up. As many return to work and commuting or are beginning to plan road trips, it is a good time to review our Best Tips.

Below is a collection of tips that we think you will find helpful. 

HiLo Auto’s Best Tips for Buying a Used Car

 What can you afford? And how much of a down payment is needed? Review financing options and speak with your lender before scheduling an appointment to test drive a used vehicle.  Knowing, in advance, the amount that fits your budget will help you find the car that fits your needs.

  • If you are a first-time buyer, read about our unique program. We offer select financing options, and we can also help you find affordable insurance. Call your insurance agent. Ensure that you can afford the insurance on the types of vehicles on your wish list. Can you afford to finance the purchase of the car and any increases in auto insurance?
  • Maryland Buyers: Has the car been inspected and do you know if it will pass Maryland emission standards?
  • Call the auto dealership and make an appointment to test drive cars. You may think that you only want to drive your dream car, but keep an open mind and plan to drive a few cars.

 HiLo Auto’s Best Tips for Maintaining your Vehicle

 Whether you drive your vehicle for personal use or business, a smartphone app will help you organize expenses, track mileage, and maintenance. For 2020, Digital Trends released a list of the best mileage and tracking apps. Some of the apps are for small business owners, but all will help organize and manage your vehicle budget.

Deferred maintenance reduces the life-span of your vehicle. As you research the purchase of a car, be sure to budget for future maintenance needs. If you are purchasing a pre-owned car, match the current mileage to the milestones on this list.

Budget and save for the following repairs:

  • 15K-30K Miles: Air Filter
  • 30K Miles: Fuel Filter
  • 60K Miles: Battery, Brake Fluid, Brake Pad/Shoes, Brake Rotors, Coolant, Transmission Fluid
  • 90K Miles: Hoses, Power Steering Fluid, Spark Plugs or Ignition System

Be Prepared with Tire Maintenance: In addition to a properly inflated spare tire, you will need a wheel wrench and a tripod jack. If you do not have the skill-set or ability to change a tire, still include these critical items. Also, add a can of Fix-a-Flat.

You can also be prepared for any emergency with this list of items to store in your trunk:

  • Multi-purpose Tool Kit: Your tool kit should include screwdrivers, pliers, an adjustable wrench, and a pocketknife, at a minimum.
  • Jumper cables
  • Flashlight with fresh batteries
  • First Aid Kit: At a minimum, your first aid kit should include an OTC pain reliever, bandages, and non-latex gloves.

HiLo Auto’s Best Tips for Selling your Used Car

 To prepare your used car for marketing, browse our blogs, and read about detailing your car, maintaining it, and the importance of service records. After preparing your vehicle, it is time to start thinking about your sales plan.

At each location of HiLo Auto Sales in Maryland, we have the staff facilitate the purchase of your used car. You can deal with one of the biggest car and auto buyers in the state of Maryland. You can sell your car, truck, or SUV now. 

 Whether you are starting the process to buy a used car, want tips to maintain your existing vehicle or plan to sell your current vehicle, we hope that you have found these tips helpful. 


 


Used Car Sales in 2020

Each year, the used car market produces a list of the best-used cars to purchase. Will it be the Honda Civic or the Toyota Corolla that remains at the top of the most sought cars? Used car sales in 2020 have shaken the market to its core.

The COVID-19 crisis has impacted the car industry, both the sale of new and used vehicles. This year, it’s not about the hunt for the car that’s on top of the industry-best list. This year, buyers hunt for the vehicle that fits their needs and is available in their region.

We recently have written blogs about finding your ideal car, financing, and maintaining your vehicle in 2020. As we are writing this blog, HiLo Auto Sales carries a selection of used vehicles in our Maryland locations. Last week, we wrote about test driving your next car. 

We are ready to help you find your next car, but what causes the shortage in used vehicles in the United States?

The COVID-Cause

Used car availability is directly tied to the COVID-19 crisis. We have all watched the pandemic domino effect. 

New car sales have been paused due to a lack of inventory. As new automobile factories were closed due to COVID, orders piled up. Buyers continued to drive their used cars while waiting to take delivery of their next vehicle. Trade-ins dropped. 

Meanwhile, more Americans discovered the value of purchasing a used car. Stimulus checks are often used to buy while some buyers became nervous about buying a new car. In 2020, the average price of a new car is over $35,000. While interest rates are low, buyers are still nervous about making a large purchase that begins to depreciate as soon as you drive it off the lot.

Sales of used cars surged in this environment, and it is also an ideal time to sell your used car truck or SUV.

Sell… Sell… Sell Your Used Car

After reading about the impact of COVID-19 on the used car market, you may be thinking that it is an excellent time to sell a used car that you do not need. Correct!  It is a great time to sell. 

To prepare your used car for sale, browse our blogs, and read about detailing your car, maintaining it, and the importance of service records. After preparing your vehicle, it is time to start thinking about your sales plan.

Are you ready to post ads and respond to calls and emails?  If that sounds like a painful experience…keep reading. 

Sell Us Your Car

The surge in interest in used cars makes this the perfect time to sell your vehicle. But who wants to post ads, meet with strangers, negotiate on price, and process sales paperwork? What if you could bring us your used car and walk away with cash? You can.

At each location of HiLo Auto Sales in Maryland, we have the staff to facilitate the purchase of your used car. You can deal with one of the biggest car and auto buyers in the state of Maryland. We are fully insured, regulated, and licensed by the Maryland Motor Vehicle Administration. You can sell your car, truck, or SUV now. 

You can expect no fraudsters, no bounced checks, and no personal liability. 

Support a local family business and allow HiLo Auto Sales to purchase your used car!