| rev:text
| - So here I am AGAIN.
For the third time too. This time it was just a "get rid of the credit union" mission. I financed my 2011 Chevrolet Malibu through America First Credit Union based in Utah. So everything was fine until they started sending me requests for proof of insurance on my 2011 Chevrolet Malibu LTZ that I had purchased from AutoNation Buick GMC West Sahara. As soon as I got the windows tinted on my Malibu, I picked it up and drove it home and called my insurance agent with State Farm. I sent them the forms that America First Credit Union had sent me. They wanted to named lien holder of the Malibu so if it was wrecked, they got the loan paid off from my insurance company. No problem with that. They also wanted proof of coverage on my Malibu from the first day I bought it, which was March 16th, and according to my insurance agent with State Farm, I had a 15 day grace period to add the Malibu to my policy with my Lexus at the time being full coverage. So I did this as soon as I possibly could. I got this same request from America First Credit Union twice, and twice I sent the forms to my insurance agent through fax. Then America First Credit Union hit me with a $3400 insurance policy against my 2011 Malibu, because the information my insurance agent was not to "their liking". So now they really upset me, so I decided on either refinancing the Malibu or possibly getting another car because I was "DONE" with America First Credit Union. They also bumped my payments up from $346 a month to $402 a month, but didn't extend my loan term.
So I went to AutoNation Buick GMC West Sahara where I bought the Malibu in the first place. I asked for my salesman Devon Harger to be there when I got there at 8am. He's the only person I will do business with besides Denzell Williams because these two men have earned my trust completely. So I drove two 2015 Chevrolet Impalas that were fully loaded. One was an LTZ, the other was a 2LT, but all in all, nice cars. I was hoping to break even on the trade by putting down a little money, and by cancelling the extended warranties and other add ons I got for the Malibu. I wasn't expecting to have to go through another car purchase to dump America First Credit Union. So after doing a "trade appraisal" I knew I had negative equity and I realized that doing a refinance on my 2011 Chevrolet Malibu wasn't feasible. Banks won't finance a car for more than what it's worth when attempting to do a refinance. So this led me to the last two options: I could keep my Malibu which I loved and still love, or I could look at other vehicles that were 20% off including Buick Regal, and GMC Acadia. I chose to drive a 2016 Buick Regal, and decided to run the numbers on this particular car to see where I would be at payment wise. I was now already paying $402 a month for my Malibu thanks to America First Credit Union, and the payments on a 2016 Regal were just $54 more a month. Why so high? We were able to wipe out all of the negative equity by cancelling everything we could with the 2011 Malibu, we used the 20% off on the Buick Regal to take care of the rest of it along with 1k from me, which under the circumstances was not too much to ask. I'm even getting a free window tint on this Regal.
Features that I will miss from my Malibu:
Bose Audio system, Dark Red paint job, Bigger than the Regal, and the V6 3.6 engine (very sporty performance for a mid size sedan).
How ever, I got a few bonus's from buying the Regal:
V4 Turbo charged engine which acts like a V6 but won't eat much gas, a modern built in Navigation System with Pandora and Apple Car Play built in, Cream Colored White paint job, and a nice Buick Interior. Both vehicles had remote start, ambient lighting, window tints, dual exhaust, and nice 18 alloy wheels.
So I thought to myself, it's a trade off on a few things, and a gain on a few things. What's more important to me right now? Doing business in my vehicles for Real Estate, and banking with a trusted credit union out here in Nevada, keeping the money local to our economy. And, The Buick Regal's engine and transmission are built here in the United States of America. Its final point of assembly is in Canada though, but considering that Canada is a huge trading partner of the United States, I can live with it. The vital componants of the car are made here at least. So overall, I am happy with the car, and I'm sure in time I will come to love it, but again, I'm happy with the performance of Devon Harger, Doug (the finance guy in the office) who didn't pressure me into anything, and Steve (Finance Guy behind the computer screen) because I was given a much fairer deal here on my trade and on the purchase of the 2016 Regal than I would have been given at Fairway Chevrolet on the purchase on a 2016 Chevrolet Impala LTZ or 2LT (which they didn't have any 2Lts). To top it off, again thanks to everyone at AutoNation Buick GMC West Sahara! I won't go anywhere else to buy a car!
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