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You don’t have to head to the DMV anymore to update your license plate stickers, a fact that might surprise a lot of people. And depending on where you live, the DMV may not even be an option anymore.

Since this simple but necessary renewal process can be done easily at the nearest CFSC Auto Services location, it does beg the question: why do so many people let their plates expire?

Some People Don’t Know Where to Get Their License Plate Tags

One complication in recent years points to a bigger picture. It may have been a long time since you’ve been to the DMV or some other official office to handle auto-related tasks, and it can be hard to remember where to get each thing done. Things are changing. Smog check locations are closing, making those options more limited than before. This goes for other car-related processes, which can make it confusing for those who wish to stay on top of all the rules and regulations.

To Avoid Illinois License Plate Renewal Fees

Sometimes avoidance is intentional. It currently costs $151 to renew your Illinois license plate. This money helps fund statewide infrastructure programs. But the law is clear, and avoidance may end up costing you in late fees on top of the renewal fee.

State of Illinois Is Eliminating Some In-Person DMV Locations

The Illinois Secretary of State is planning to eliminate most in-person visits where folks could otherwise update their license plates and handle other necessary tasks. The upside is that fewer people will have to wait in long lines, when they could much more quickly and easily get their tags at CFSC Auto Services without all the waiting. These kinds of changes can take you by surprise and cause delays in getting your new tags.

People Are Unaware of the Financial Penalties of Driving With Outdated Tags

We all know what it’s like to put off the inevitable. Weeks turn into months. I’ll take care of it tomorrow, we tell ourselves, forgetting about the fines we might incur. But it’s much easier to remedy the situation than risking a ticket that comes with a penalty of $90.

You Have the Sticker But Haven’t Attached It Yet

These may be the saddest cases of all. Your tag has arrived in the mail, and there they sit on the counter or in your glove compartment, waiting to be attached to the license plate on the back of your car. This requires removing the previous one and cleaning the space where the new one will go – a process that should take just a few minutes. Don’t let this mild inconvenience stall you from taking that simple step. It is simply not worth the hassle of a ticket, or losing or misplacing the tag and having to get a new one.

Some Drivers Can Avoid Penalties by Arguing Their Ticket in an Illinois Court

There is often a grace period of up to 30 days when it comes to replacing tags and city stickers in Illinois, but that won’t necessarily keep you from getting a ticket if you’re pulled over within the grace period. Some municipalities may give you a parking ticket for expired plates, even in privately owned parking lots. A hearing officer for those tickets can choose not to dismiss the offense, and then it will be up to a court to make a decision. Again – not worth the hassle.

CFSC Auto Services

At any nearby CFSC location, you can take care of a number of other auto-related tasks all at once. Make sure your title, license and registration, and city stickers are in order all at once so you stay on the safe side of the law.

Don’t risk getting a ticket! Stop by your nearest CFSC location today to make sure all your car stuff is up to snuff.

If you drive at all, you are probably looking for ways to save money on gas. It’s just one more reason not to ignore your routine maintenance. Getting a fuel-efficient vehicle can certainly help you spend less at the pump. There is a difference of up to $2,000 per year in how much drivers pay for gas on average, and it’s not just the drivers of compacts who are saving.

However, taking good care of your car, truck or motorcycle also has a significant effect on its fuel economy. What routine maintenance is most associated with better mileage?

Tip 1: Check Tire Pressure Before Those Long Midwestern Drives This Fall

It is said that for each 1 psi (pounds per square inch) your tires lose, your gas mileage will decline by 0.1 percent. Yet it’s easy to overlook this rule of thumb, and not just because math is involved. We simply don’t always feel the gradual loss of air. But filling your tires per the instructions for your specific vehicle directly impacts how much you will spend due to many factors:

• Improved mileage
• Tread maintenance
• Performance while on the road
• Preservation of your tires
• Better ability to stop and accelerate properly

Check inside the drivers side door or your owners manual for the correct tire pressure for both front and back tires, as they may differ.

You may need to fill your tires more in the coming months (about once/month is usually recommended). As fall approaches, so does cooler air. According to Car and Driver, car tires lose or gain roughly a pound of pressure with every ten degrees of fluctuation in temperature. Keep an eye on your thermostat as temperatures drop and fill your tires as needed.

Tip 2: Pay Attention to Warning Lights on Your Dashboard

Engine problems can cause a vehicle to start using more gas than usual, as well. Fortunately, modern vehicles let us know something is wrong through dashboard alerts. For example, the oxygen sensor controls your car’s fuel injection system and can therefore have a big impact on your gas mileage. While this part doesn’t get a lot of attention, a defective sensor can take a toll in many ways, from your ability to accelerate properly to emissions problems.

A check engine light or any other dashboard warning light should be taken seriously. Since each car is different, refer to your manual or a trusted mechanic for additional tips on how to maintain your vehicle and get the best gas mileage possible.

Tip 3: Use the Recommended Oil in Your Oil Changes

Not only is it wise to change your oil regularly to upkeep your engine, but the kind of oil you use can also have a lasting impact on the health of your vehicle. That’s because the oil plays an important role in lubricating the various components of your engine, which in turn helps you maintain optimal fuel efficiency. When low quality oil is used or the oil becomes contaminated, that can lead to a range of problems. It can slow down engine parts, forcing the engine to work harder and ultimately lowering your fuel efficiency.

Tip 4: CFSC Auto Services Helps You Address Your Auto Needs & Save Money

There are other ways people can overspend on car ownership, and that includes failing to renew or replace license plates, update stickers, and register their vehicle properly and on time. Here at CFSC Auto Services, we are happy to help you out in all of these areas so you can avoid tickets and penalties while out on the road. We figure, why stand in line at the DMV or some government building when you can just swing by and get the help you need in minutes.

Give us a call today, stop by your nearest CFSC location, or check out CFSC Auto Services online to find out more about our broad range of auto and financial services!

Salt isn’t the only threat to cars in the Midwest. The summer heat can also take a toll on a vehicle’s exterior, aging it and leaving debris that should be removed regularly. Making a habit of giving your set of wheels a thorough scrubbing – whether at home or through a car wash service – is a small step that can improve the appearance and value of your vehicle over time.

If you are among the many drivers who put off cleaning their vehicles, below are a few tips to help get you back on track. Not only is a clean vehicle safer to drive, but it also helps drivers feel proud to be behind the wheel.

First Things First: How to Remove Tags and Stickers from Your Car

A small razer blade can be helpful in removing stickers from a vehicle, either from the inside of the windshield or from the license plate. The windshield in particular needs to be clean when you’re done to provide good visibility when driving. That’s why it helps to use a paper towel or microfiber material as well as glass cleaner.

Start by dousing the edges of the sticker with glass cleaner. That way, when you begin to scrape at the edges of the sticker it will come off more easily, leaving less residue behind. After it is removed, clean the rest of the area to remove any remaining glue or residue and leave your windshield sparkling clean.

3 Important Tips:

1. Exert a high level of caution when using a blade for any reason. Be sure you are working slowly and carefully so as to prevent an injury.
2. Something less sharp, like a plastic spatula, may be better for removing a sticker from a painted surface of your car, as you don’t want to damage the exterior by leaving scratch marks.
3. Not sure whether you need a city vehicle sticker? Find out here.

Regular Car Washes Can Protect Vehicle Exterior and Improve Visibility in Summer

Cars gather a lot of dust and debris on their exterior during all those long, summer drives. Large side mirrors, extended rear visors on SUVs, recessed license plate spaces, and other newer features and designs can also be difficult to clean. And if you drive a lot, the elements gathering on your car’s body can even leave small marks that dull its shine, aging its appearance and lowering its value over time.

Fortunately, even a basic automated car wash can give vehicles a lasting shine, as well as a clear coat protectant if the driver chooses.

Best Way to Clean Your License Plate (and Why You Should)

There are a couple reasons one or both license plates may need to be cleaned separately from the rest of the vehicle. One is if a plate becomes discolored and difficult to read. A plate should never be obstructed in any way in case you are pulled over. It is also possible that a car cleaning doesn’t entirely reach the plates as well as it should. In this case, here’s what you can do:

• Use a cloth or sponge
• Wet the cleaning material with water and detergent
• Use gentle, circular motions
• Pass the cloth or sponge over the plate, back and forth

It only takes a minute, and your plates will sparkle. In addition, consider cleaning the portion where your tag will go before replacing it.

Should You Get a Hot Wax Treatment for Your Vehicle?

The answer is up to the owner, of course, but an occasional wax treatment may benefit cars that are on the road a lot or are kept outdoors. This process creates an extra layer of protection from the elements and can potentially shield the car’s finished surface from minor scrapes caused by grit from the road and other damaging particulates.

Take care of routine car needs at CFSC Auto Services.

CFSC Auto Services throughout the Midwest are here to help you replace lost or stolen plates or stickers, handle your title and registration needs, and offer other auto-related services.

Stop by your nearest CFSC location to get help with these and convenient financial services – all in one location!

Late payments on auto loans have been creeping up lately. If that sentence puts knots in your stomach, you may be in need of some relief and practical solutions. Two questions that may come to mind:

Should you extend the term of your car loan? What about giving your car back to the lender?

That second one should be a last resort. Keep in mind, there are many thousands of people out there in a similar boat. According to Lendingtree, auto debt outstanding by ninety days or more recently increased by nearly 12%. But there’s more to the picture, and it’s not all bad:

1. It’s common to take five to six years or more to pay off a vehicle.
2. Some car loans are being paid off quicker than in recent years.
3. The spike in new and used car prices has cooled off.

You deserve to be free of your auto anxiety. Most of all, it’s important to take a closer look at your situation and get help if you need it.

Determine Whether Larger Than Normal Car Loans Is Causing Your Car Stress

Not all car ownership stress is the same, as each driver’s financial situation is unique. But it can be a big relief to face up to it, no matter the cause. Maybe you were part of the crowd that took on oversized loans due to inflated prices a few years ago. If so, consumers shouldn’t blame themselves. In honor of the Fourth of July, find out what your options are so you can start feeling more financially independent.

Finding a Way to Make Your Auto Payments Reduces Car Ownership Problems

You may be one of the many drivers looking forward to the day the vehicle you drive is officially yours. Generally, folks who are able to should take steps to avoid repossession of their vehicles should they stop paying off their loans. There are risks to discarding a vehicle that is not yet fully paid for. Ending a car financing deal prematurely could even increase the interest owed on those monthly payments. Doing so can also lead to legal repercussions, which most drivers would prefer to avoid.

Refinancing Your Auto Loan May Be Easier Than You Think – But Make Sure It’s the Right Choice

Refinancing your auto loan is one way to reduce stress for someone who can no longer afford their car or is disadvantaged by unfavorable loan terms. The steps are fairly simple:

1. Contact your lender to find out if you qualify for auto loan refinancing.
2. Find out your Annual Percentage Rate (APR) and how much time remains on the loan.
3. Discover how much your vehicle is currently worth.
4. What is your credit score? A higher score may make it easier to get a better deal.
5. Ask for an application – and be sure you have all the information and documentation necessary for completing it.
6. If necessary, find a lender that will offer a financing agreement with lower interest and better terms.

However, while refinancing gives you more time, it may end up adding more interest in the long haul. Take your time to do the math and be sure you understand all the implications of a new loan before agreeing to one.

CFSC Auto Services Can Help Drivers in Illinois Reduce Their Car Ownership Stress This Month

There are other ways to address car ownership blues. Finding another source of income, selling your car, or voluntarily turning it in to the lender are some of them. Once you’re informed about the repercussions of each option, the smartest path forward will become clear.

As for car needs such as title and registration, local CFSC Auto Services throughout the Midwest are happy to help. Check out CFSC Auto Services online for a whole host of up-to-date tips on creating a financially independent future.