The coronavirus shutdown has compelled car dealers and manufacturers to place a much greater emphasis on selling vehicles online. The process isn't new to the COVID-19 crisis, but the current situation has compelled virtually every major automaker to expand their online offerings to the point where you can now research, select, test drive, negotiate for, and purchase almost any new car without leaving your house. Here are some things to consider when purchasing a car.

Don't Worry, Not Much Has Changed

Don't be intimidated by the prospect of buying a car online for the first time. Much of the traditional car-buying process — shopping, researching, applying for loans, and so on — is already done online, so there isn't much difference. The important thing is not to lose sight of the fundamentals.

Even if you've already made up your mind, keep an open mind

If you're about to buy a car, you may have already decided on the make and model. Consider rethinking. Because of the shutdown, nearly every major automaker has offered deals and incentives to boost sales as the economy falters. Some are offering deferred payments, while others are pitching 0% financing, while still others are doing both or offering completely different deals. Right now, it's a buyer's market. Shop around again, even if you've already done so.

Pre-approval is available

Dealers make the majority of their money in the finance department, coronavirus or no coronavirus. You equip yourself with the option of saying no to dealer financing by getting pre-approved for a loan before you start the process.

Consider a PenFed auto loan — on a new car loan through TrueCar, you might get a rate as low as 1.39 percent annual percentage rate. Terms can be as long as 84 months, with reduced 72-month terms as low as 2.49 % on new cars. Loan sums can also be as high as $100,000, widening the options.

Do Your Homework As You Would Before the Virus

You're not only searching for ways to save money. You're looking for cars. Do exactly what you would have done before the shutdown when buying a car online. Use places like Kelley Blue Book to read consumer and expert feedback on any models you're thinking of purchasing. Examine their reliability scores, as well as their average long-term cost of ownership, fuel economy, and insurance costs.

 Find out how many people are willing to pay

Finding out what people in your area pay on average for any cars you're considering is another holdover from the days of walking into a dealership. The average sales price differs from one area to the next, and also from one neighborhood to the next. Edmunds True Market Value calculators will help you figure out how much other people in your area paid for the same vehicle, down to the color and trim kit.

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From smartphone top-ups to airline tickets, paying insurance premiums, all sorts of online payment systems have been available in eSewa and are still counting in.

Recently, the Inland Revenue Office's online payment service was launched in eSewa, a admirable effort to bring government payment services under the shade of digital payment systems. eSewa has launched a new service where you can pay traffic fines online, continuing its persistent effort to add value to its clients. The facility to pay for traffic has now also been introduced by eSewa.





 
The Metropolitan Police Traffic Division has begun to collect a fine through an online payment system from traffic law violators.

The MTPD inaugurated the new online payment system, “An integrated system has been developed between the Traffic Division Violation Record System, Revenue Management Information System, and payment systems. Through the system, the fine amount is deducted from the bank account of the traffic rule violators,” said Senior Superintendent of Police Janak Bhattarai, chief of the MTPD.

“The newly-introduced system will help in reducing big crowds in traffic offices. Once the fine amount is paid, rule violators should come to the traffic police office to collect their documents,” said Bhattarai, adding that the rule violators do not have to queue up at banks to pay the fine amount now onwards.


 

Violators of the traffic law can pay the fine via eSewa. “The Division is also initiating talks with other digital service providers to introduce ‘Traffic Police Fine Payment’ option in their platforms,” he said.

The option of 'Traffic Police Fine Payment' can be found in Esewa and IPS Connect, through which violators can pay the fine amount.

“Violators have to log in to their Esewa or IPS Connect account, and should enter the number of the slip provided by traffic police. After paying the amount, they can visit the respective traffic police office to collect their documents,” said Superintendent of Police Shyam Krishna Adhikari, spokesperson for the division.
 

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