Keeping a savings account is one of the smartest things we can do. Whether it be saving money for a rainy day or having some cushion to help with unexpected emergencies, having a savings really helps!

That being said, not everyone has enough to cover costly auto repairs, but don’t fret! Read on for some tips and advice on how to pay for auto repairs when you’re short on cash!

Insurance

The first thing you should do is check with your auto insurer. Different insurance plans cover different elements, its best to file a claim with your insurance before you get any repairs done.

Texas is also a ‘fault state’ which means that in the case of an auto accident, the driver ‘at fault’ is required to pay for repairs through their insurance.

Research Auto Repair Shops

There are plenty of mom-and-pop auto repair shops around the Rio Grande Valley that take on small repairs at a fair price. Research different shops around your area to find an estimate that fits in your budget.

Another idea to try is to get in touch with local technical or vocational schools that train in automotive repair. Get in touch with the instructor to see if it is possible for their class to asses the vehicle, what the cost of parts might be, and any other concerns.

Call several shops around your area for estimates on the repairs you need. All repair shops offer different prices on different repairs, and some may even lower the price through negotiation.

Use a Credit Card

A credit card is a great way to pay for smaller repairs on your vehicle. And as you pay off the balance, it can be a great way to raise your credit score.

Try to avoid credit card cash advances, as these tend to come with a high interest rate, no purchase protection, and interest starting on day of advance.

Avoid Predatory Lending Practices

If a credit card isn’t an option, and you find yourself considering getting a loan, be sure you do your research beforehand.

Some companies offer title loans that are considered predatory with high-interest rates. Texas has loose title loan laws that could be taken advantage of by shady companies.

Do your research and find a reputable company that does title loans if you decide to choose this option.

Financing

Another alternative is to find a shop that offers financing. Get the parts or service you need while making payments that you can afford. Some shops may even accept a barter for other services if you ask, which is another great way to reduce your service bill.

Be Safe!

Whatever route you choose, be sure you do your research before agreeing to anything.

Payne Auto Group offers insurance, the ability to request a collision repair estimate online, and even schedule service online! Get back on the road today with Payne Auto Group!