While we are not affiliated with the government in any way, our private company engaged writers to research the LIHEAP program and compiled a guide and the following answers to frequently asked questions. Our goal is to help you get the benefits that you need by providing useful information on the process.


We want to provide information to help you find the resources you may be looking for.

We provide this information in a free guide.

If you’re looking for information, our website and guide may help you learn about topics such as:

  • Buying or selling a car
  • Auto warranties
  • Car insurance
  • And more

Table of Contents: 

  1. Want to learn about us?
  2. Where do we get our information?
  3. Is my information protected?
  4. How can I save money when buying a car?
  5. How does the leasing process work?
  6. Should I lease a car instead of buying?
  7. How can a car warranty help?
  8. What are the main types of auto insurance?
  9. What factors determine someone’s car insurance rate?
  10. How can I save money on auto insurance?

1.     Want to learn about us?

We’re a private company that conducts research online and compiles information for you in a free guide. Our goal is to give you the information in one place – in a clear and simple way – to help you achieve your goals.

2.     Where do we get our information?

Our team of writers conducts online research about topics that are important to you. We find information that’s already online, but we put it together to make things easier for you. We do the research.

Then we take the information and give it to you in a way that’s clear and easy to understand.

3.     Is my information protected?

We believe in the importance of keeping your data safe. If you decide to give us your data while using our website, we use many different protections to help keep it safe. To learn more about how we protect your information, check out our Privacy Policy and Terms & Conditions.

4.     How can I save money when buying a car?

Some ways to save on a new car purchase include researching and comparing different cars, negotiating a lower sale price, trading in your current vehicle and buying your car at the end of the year.

5.     How does the leasing process work?

Like buying a car, leasing will sometimes require a down payment. Like an auto loan, you will make monthly payments on a leased car. However, lease payments tend to be lower than auto loan payments because you are not building equity in the vehicle. Another difference between buying and leasing is a leased car’s annual mileage limit. You may be charged if you exceed the annual mileage limit, which is usually between 12,000 and 15,000 miles. At the dealership, you may negotiate the down payment, monthly payment amount and mileage limit, along with other terms of the lease.

6.     Should I lease a car instead of buying?

Leasing a car may be a good option if you only need a car for a short time, you like to drive a new car every few years or you would like to drive a car that is more expensive to purchase outright.

7.     How can a car warranty help?

While there are many different types of car warranty, they are all intended to protect you from having to cover all of the costs when your vehicle malfunctions.

8.     What are the main types of auto insurance?

Types of coverage include liability, personal injury protection, collision, uninsured/underinsured motorist and comprehensive coverage. Liability coverage is the minimum amount of coverage required in most states.

9.     What factors determine someone’s car insurance rate?

Car insurers will assess your risk factors as a driver. The higher the risk, the more you will have to pay for your monthly premium. If you live in an area with a high population and frequent car accidents, your premium may be higher. If you are young or have not been driving for a long time, your premium may also be higher. Other factors an insurer will consider include your vehicle type, your marital status, your driving record and your annual mileage, among others.

10.   How can I save money on auto insurance?

One way to save on auto insurance is to shop around and compare costs from different insurers. Another way is to look for insurers that offer discounts. Insurance discounts may be available for students, military personnel and drivers with a good driving record. You may also be able to get a discount for taking a defensive driving course, bundling your car and home insurance or insuring multiple vehicles with the same insurer.