The Irish Driving Scene.An Instructors Perspective.

The Irish Driving Scene.An Instructors Perspective

The Driving Environment

Today’s motoring environment is very different to that of thirty or even fifteen years ago for a number of key reasons and we will examine these to get an idea of the kind of skills needed to survive in today’s world and stay accident free.
For the first time in over one hundred and fifty years our population has exceeded 4 million and continues to increase steadily.

Demographics
The age of our population is quite unique and according to the 2002 census there are approximately 640,200 people in the 15 – 24 age bracket who are in, or approaching, the age at which they will want to drive. Lets be clear on this point …every person in today’s Ireland will aspire to drive and own a car in this prosperity environment, for career, family and social reasons .In the past until you had the potential to be able to own a car it was quite common not to bother to learn to drive. Those that needed to get to work from a distance tended to rely on neighbours and friends or relatives to be the ever present chauffeur. It’s very common today for an exodus from the city limits out to the open country to live, with huge numbers of houses, sorry mansions; being constructed at seemingly breakneck speed. The draw of the country air and the sweet sounds of birds in the morning seems to be an irresistible magnet for the city dweller. A car or three is taken for granted. Of course , we are a nation of keen gardeners now and the regular trip to the garden centre could not be undertaken by public transport because it doesn’t exist in most rural areas. All of this means that we have a far greater number of cars and drivers on the road than thirty years ago and at different times of day due to many variations in working hours. So there is hardly a time when you are unlikely to meet another vehicle. Six am during the working week can be just as dangerous as five thirty rush hour.

Learner Drivers
Current numbers of learner Drivers are estimated at 350,000 and this continues to be swelled by the increase in our immigrant population, both expatriates and non-nationals setting up home here for the first time. The waiting list for a Driving Test has reached an all time high due mainly to these demographics, but also to the relatively small number of Driving Examiners
. This situation is being addressed at the moment with the probability of an outside agency being drafted in to undertake a further 40,000 Driving Tests over the course of a year .While it is unfortunate that all drivers have to wait such a long time in order to sit their Test it is an opportunity for them to learn some very essential skills and to prepare well for the Test.
It is very common for candidates to leave their lessons to the last moment which very often produces a negative result. Worse still, is the mistaken belief that the longer one is driving the greater chance of passing the Driving Test. Without professional lessons the chances of passing the Test are pretty remote; but more crucial will be the lack of basic skills leading to accidents which can and should be preventable .Passing the Driving Test, while certainly a milestone in a person’s driving career, is only the beginning of a life –long process not the end.

Professional Tuition
Safe Driving for Life can be achieved, with the correct mind set and the knowledge that good basic driving skills are the foundation for the learning process and need to be provided by Professional Instructors and not relatives or friends. Practise with Mum or Dad is very useful but only in conjunction with proper Tuition. Being able to move a car down the road and perhaps change a gear or two and even steer out of trouble is not the level of skill needed to stay alive and is about as far from the required Driving Test standard as we are from the Moon.(about 250,000 miles, sorry 400,000Km at the last count).I am not suggesting that we need to drive a quarter of a million miles


New Technology
The development of technology over the last number of years has had a big impact on the driving environment both positive and negative. Better roads and road markings make the driving experience much more pleasurable especially on major thoroughfares; however despite the millions of Euro spent on the main road infrastructure, Irish country roads will probably remain as they have always been, difficult and full of danger for the novice or Tourist Driver.
Legislation, most of which has emanated from Europe, has contributed to better maintained cars, that are more Eco-friendly and more easy to drive. Having said that, a car will quite easily go off and do its own thing if the driver has not got the ability to control it under all kinds of weather and road conditions.
Cars are much better insulated than years ago so the impression of speed is nothing like what it was thirty or forty years ago when you really knew you were travelling at 70mph.Wind noise and vibration kept you alert and aware! Even small family cars today have the ability to travel at 100mph (or 156kph) without too much coaxing .Back then a much larger capacity engine of say 1500 cc had a top speed of around 75mph (120kph).This ease of speed gives new and novice drivers the opportunity to far exceed their capabilities without realising it .

Employment
In today’s Ireland we have virtually full employment and many sectors are suffering from a lack of skilled employees, the commercial driving sector being one of many. More jobs and the need to get to those jobs on time has created a society that is flush with prosperity and awash with an ever increasing number of new cars on the road. The opportunities now being created for younger people with full Driving Licenses are many. Indeed most occupations now require you to have a full driving license and it certainly looks good on a C.V. especially if you are in the younger age bracket. So get to it all you young ones and don’t leave it till later on in your career…. Do it now!

Accidents
Most of these new cars on the road are being piloted by Learner Drivers, a good proportion of whom, do not take driving lessons professionally.
Unlike most of the rest of our European Neighbours, we do not yet have mandatory tuition for learner drivers, although it is being proposed. Therefore we have a situation whereby learner drivers can buy a car and just head off into the wide blue yonder without the necessary skills to control what is essentially a lethal weapon. Our Accident statistics bear out this point and it would be of great benefit to the whole community to see a reduction in these horrific figures
Recent E.U. Directives have extended the scope of the Driving Test and not before time. There has to be at least a basic knowledge of instruments and equipment before you can pass the Driving Test today but there are still many areas of driving expertise that do not come within the remit of the Irish Driving Test. An emergency stop; country road driving; high speed carriageway experience and a greater emphasis on hazard perception would go a long way to improving standards on today’s roads by being incorporated into the Driving Test.

What Exactly Is A Hybrid Car?

We are all concerned about the environment and doing our part to take care of it. Of all the purchases we make, the purchase that will have the greatest impact on the environment will be the car we decide to buy. Hybrid cars are an affordable and innovative way to help protect our environment and benefit from the increased fuel mileage.

Only a few years ago talk of hybrid cars had consumers stepping back unsure; but today hybrids offer a practical choice for consumers, and more and more consumers are jumping on board.

A hybrid car has a small engine that is fuel efficient, which is combined with an electric motor that aids the engine when additional power is needed during acceleration. The electric motor gets its power from battery banks which continuously charge while you are driving.

Energy is conserved when you stop because the engine is shut off automatically. Then, when you apply gas, it automatically restarts.

The hybrid car also uses a more advanced aerodynamic lightweight body, and combines it with low roll resistant tires that are stiffer and narrower to help reduce drag.

In 2004, out of the 17 million vehicles sold there were around 80,000 hybrid vehicles sold. By 2005 that number had increased by 1.2% to 200,000, and it’s estimated that by 2007 more than 400,000 hybrids will be sold.

There are several hybrids currently available in North America. They include the Honda Civic, Honda Accord, Honda Insight, Toyota Prius, and the Mercury Mariner. There are also Hybrid SUVs available - the Ford Escape, the Lexas 400H and the Toyota Highlander.

The Toyota Prius holds 52% of the hybrid market with just under 108,000 vehicles. The Honda Civic is the next most popular with 25,000 vehicles.

Now that consumer support for the hybrids has arrived, auto manufacturers are increasing the pace at which they introduce hybrid models. In 2006, the Honda CR V SUV, Saturn Vue, Hyundai Accent, and Kia Rio are being introduced as hybrid models. In 2007 we will see the Toyota Camry, Honda Fit, Mazda Tribute, Chevrolet Malibu, and Nissan Altima; and 2008 will see the Ford Fusion and Mercury Millan available as hybrids.

And as an added bonus in the United States, consumers that purchase a hybrid will get a tax break. Those purchasing fuel-cell vehicles will get up to $8000 in tax breaks, and those purchasing alternative fuel vehicles that weigh less than 8,500 pounds get a $2500 tax break. It’s a nice pleasant surprise!

If we had a crystal ball that could see into the future, there’s a good chance that what we’d see 20 years down the road would be freeways, highways, and streets that were full of hybrid vehicles. In fact, it’s likely that our gas guzzling vehicles of today are about to go the way of the dinosaur as more hybrid cars make it to market.


We are all concerned about the environment and doing our part to take care of it. Of all the purchases we make, the purchase that will have the greatest impact on the environment will be the car we decide to buy. Hybrid cars are an affordable and innovative way to help protect our environment and benefit from the increased fuel mileage.

Only a few years ago talk of hybrid cars had consumers stepping back unsure; but today hybrids offer a practical choice for consumers, and more and more consumers are jumping on board.

A hybrid car has a small engine that is fuel efficient, which is combined with an electric motor that aids the engine when additional power is needed during acceleration. The electric motor gets its power from battery banks which continuously charge while you are driving.

Energy is conserved when you stop because the engine is shut off automatically. Then, when you apply gas, it automatically restarts.

The hybrid car also uses a more advanced aerodynamic lightweight body, and combines it with low roll resistant tires that are stiffer and narrower to help reduce drag.

In 2004, out of the 17 million vehicles sold there were around 80,000 hybrid vehicles sold. By 2005 that number had increased by 1.2% to 200,000, and it’s estimated that by 2007 more than 400,000 hybrids will be sold.

There are several hybrids currently available in North America. They include the Honda Civic, Honda Accord, Honda Insight, Toyota Prius, and the Mercury Mariner. There are also Hybrid SUVs available - the Ford Escape, the Lexas 400H and the Toyota Highlander.

The Toyota Prius holds 52% of the hybrid market with just under 108,000 vehicles. The Honda Civic is the next most popular with 25,000 vehicles.

Now that consumer support for the hybrids has arrived, auto manufacturers are increasing the pace at which they introduce hybrid models. In 2006, the Honda CR V SUV, Saturn Vue, Hyundai Accent, and Kia Rio are being introduced as hybrid models. In 2007 we will see the Toyota Camry, Honda Fit, Mazda Tribute, Chevrolet Malibu, and Nissan Altima; and 2008 will see the Ford Fusion and Mercury Millan available as hybrids.

And as an added bonus in the United States, consumers that purchase a hybrid will get a tax break. Those purchasing fuel-cell vehicles will get up to $8000 in tax breaks, and those purchasing alternative fuel vehicles that weigh less than 8,500 pounds get a $2500 tax break. It’s a nice pleasant surprise!

If we had a crystal ball that could see into the future, there’s a good chance that what we’d see 20 years down the road would be freeways, highways, and streets that were full of hybrid vehicles. In fact, it’s likely that our gas guzzling vehicles of today are about to go the way of the dinosaur as more hybrid cars make it to market.

Problems in Used Car Financing

Financing properly is more important in financing a used car than when buying a new car. Most problems that occur in buying a used car are due to there being a problem connected with the financing. Getting the used car financing worked out properly is the key to a successful used car purchase.

Most buyers aren't aware of how important the paper work is to making the deal a successful one or a failure. They view it as paperwork that should be completed as quickly as possible so they can drive away in their new car.

To start with, it's very important to get the deal agreed upon by the salesman to be put in writing in the contract. This often involves determining monthly auto loan payments based on an interest rate. Sometimes, the interest rate a customer qualifies for is inflated so the dealership can make extra profit.

This headache can easily be avoided by obtaining independent vehicle financing before going to the dealership. This means the consumer can proceed as a "cash buyer" and negotiate only the price of the car. Car salesmen prefer customers to be "monthly payment" buyers because, in this way, it is easier to obscure the total cost of the vehicle.

Independent car financing can be obtained from a bank, credit union or on-line lender. With the popularity of the internet, applying for used car refinance is proving to be simple and very easy to do. Many on line lenders respond very quickly - sometimes as short as 15 minutes by email or telephone. If the application is approved, the borrower is given a credit limit at an established interest rate. Sometimes a blank bank check is issued with no obligation to use it.

"For the majority of consumers, even if you know you have good credit, there is a little apprehension and tension around applying," one lender said. "So instead of going into a dealership and giving them your information and being sent to the coffee machine to wait for an answer, you can apply on-line, 24/7."

Most people familiar with how used car dealerships operate confirm that obtaining independent car financing is beneficial to most consumers.

The most common problems that have a negative impact on a person trying to finance a used car --and their solutions - to ensure that things go smoothly are the following:

Problem #1: Many consumers don't know what their credit rating is when they apply for an auto loan. The strength of their credit score largely determines what kind of interest rate they will receive. Therefore, it's critical to make sure your credit report is in the best shape possible before shopping for a car.

SOLUTION: Order a copy of your credit report and look for items that may stand in the way of you getting a good rate. Correct any issues or errors promptly. Are all of your lines of credit in good standing? Are there any signs of identity theft? The credit bureaus will tell you how to correct errors when they send you the report. The following numbers and Web site addresses will assist you in checking your credit.

Problem #2: Many consumers are tempted to overspend once they get to the dealership.

SOLUTION: It's a good idea to set a sensible price range for the car you want to buy and stick with it. Experts suggest that monthly car payments and related expenses should not exceed about 20 percent of your monthly net income. You can even bring a printout of your budget to the dealership as a reminder.

Problem #3: Most consumers arrive at the dealership without having researched the current interest rates being offered in the marketplace, so they have no idea if they're being offered a competitive rate.

SOLUTION: Use the Internet as a research tool to compare rates. Check out Web sites like bankrate.com for national averages, and the Web site of your own financial institution.

Problem #4: Most consumers arrive at the dealership without approved auto financing in hand. This is either because they are not aware of all the financing options available, or they assume they will qualify for a low rate at the dealer. This approach deprives the consumer of bargaining power when it comes to negotiating the lowest possible interest rate.

SOLUTION: Become an "empowered buyer" by getting a no-obligation loan before visiting the dealership. Having your own loan could save you significant money.

Problem #5: Many dealers offer a choice between discounted (or zero-percent) financing or a rebate - but not both. Consumers may erroneously assume that the zero-percent loan will deliver the most savings.

SOLUTION: Sometimes it's better to take the cash rebate and apply it against the purchase price of the vehicle - and then use your own pre-approved car loan to finance the vehicle. The savings chart below shows how a low-interest rate and a rebate can "beat" a zero-percent deal.

36-Month Car Loan Comparison

APR Cost of car Less equity in trade Less rebate Amount to finance Monthly payment Total cost Savings

0% $20,000 $4,000 $0 $16,000 $444.44 $16,000 $0

3.99% $20,000 $4,000 $2,000 $14,000 $413.27 $14,877.85 $1,122.15

Source: Capital One Auto Finance

Problem #6: By the time they get to the finance department, many consumers are mentally worn out and don't review the contract thoroughly before signing. As a result, they may agree to buy things they didn't plan on (such as an extended warranty, rust-proofing, etc.).

SOLUTION: Before you sign any papers or hand over any money, check the figures in the contract and understand all the charges. The sudden appearance of extra fees should be questioned. Sometimes dealers add extra fees - so-called "junk fees" - to retake profit they have lost by selling cars at invoice.

PITFALL #7: The consumer feels rushed, pressured and confused by the dealership's staff. In some cases these buyers have second thoughts about completing the deal - but sign the documents anyway.

SOLUTION: Consumers who feel out of their comfort zone should walk away. The buyer - not the seller - should be the one in control of the process. Remember, the federal "cooling off" law does not apply to cars.

If you do your homework ahead of time, and know what to expect before hand, the paperwork process can go quickly and easily. But more importantly, you will receive a deal on your car loans that you can feel good about for the life of the car.