Lowest new Car Prices

Ah, the excitement of a brand new car! Driving to every friend’s house you ever had to show it off. Spit shining it ever chance you get.

The only bad part about the deal is, well… the deal.

Fortunately, there’s a way get a great price on a new car and this insider info will save you both time and money.

How many hours have you wasted talking about a new car deal, only to find out that the dealer had other contract clauses in mind that exploded the cost? I have wasted entire days in the car buying process.

What does "factory invoice price" really mean? The price that you see on the car is the ‘manufacturer’s suggested retail price’. You don’t want to pay this over-inflated price. Supposedly, the "factory invoice price" is what the dealer paid the manufacturer for the car. The dealer will have an invoice with this price on it.

When you hear a dealer say that he’ll sell to you ‘below invoice’, you wonder how on earth he could make any money. You may think that you’re getting the bargain of the century.

Well, not so fast. See, the factory invoice price probably isn’t what the dealer had to pay for the car.

Dealers get all sorts of incentives on top of this base price. Carryover allowances and other special discounts added in make the actual cost of the vehicle less than the price on the invoice. This can add up to the tune of $500-$2000 dollars.

So you could buy a car at $100 below the factory invoice and still be fattening the salesman’s wallet more than enough.

Ask if the car manufacturer offers a factory-to-customer rebate. You have to get this straight from the manufacturer, but every little bit helps!

The more you know about factory-to-dealer incentive payments, "holdbacks," and other allowances the dealer will receive, the better off you’ll be. Do your research so you’ll know the best prices cars like yours have recently been selling for.

Now, you don’t want to get a great price on a car, and then lose out by paying too much for financing, for an extended service contract, and for unnecessary add-ons.

Also, check to see what the market value is of your current car if you’re considering a trade in. Don’t talk about a trade in until you have agreed on a price.

Before going car shopping, check the annual percentage rate currently offered by banks in your area. Sometimes credit unions offer good rates.

Many new cars are very reliable and often carry long manufacturer warranties. An extended service contract may be a waste of your money. If you do want one, make sure you check over it with a fine-toothed comb to see what it covers and what it doesn’t. Nothing like being surprised by a repair bill.

If your car already has rust-proofing, paint sealant, or fabric protection, make sure you don’t end up paying more than $50 for it. Any more than that will be pure profit and mark up.

A good deal on your new car can be negated if you get a lousy price on your trade-in. Go ahead and take your car to a few dealerships beforehand and ask what they’d pay you for it straight out. Explain that you’re selling your car and getting offers from different dealers.

If the dealership where you’re buying offers you a ridiculously lower price, you may as well sell your car outright to one of the dealers you checked with.

You do want to get the true wholesale value for your trade-in. A dealer who offers some extraordinary trade-in allowance is likely making it up on the new car price.

It takes a little extra time to ensure a great deal on your new car, but your savings can be substantial. You just might find the whole process fun!

About The Author

John Sanderson

This article provided courtesy of http://www.mustang-monster.com

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Deep Discount New Car Sales

To learn how to get the deepest discount new car price possible, don’t miss our main page. 

 Car prices today compete with small houses and well-equipped mobile homes. As these price increases become more accepted by consumers, so too are the longer terms that are necessary to fit them into cost of living budgets.

At one point, the magic payment amount for the retail automobile market was $200 per month. But that payment would only satisfy a loan of approximately $8000- 10000 depending on interest rates.

The average car payment today is closer to $400 per month and that’s with financial institutions stretching the terms to 72-84 and 120 months. Something has gone terribly wrong in the psyche of consumers to even imagine that an automobile will not become obsolete before it is all paid up, 6, 7 or 10 years down the road.

All they really need to do is take a look at a vehicle sold in 1995, 1997 or 1999, to get a live preview of what their new car will look like and potentially what it will be worth. Interestingly, research indicates that most Americans get bored with a car after driving it for 24-36 months. Why then would the typical financing term be 72-120 months?

At the point of purchase, most consumers tend to forget that car payments never include the cost of insurance, required maintenance and gas. When these items are added to a car payment, it can easily exceed what some people are paying in mortgages.

It’s analogous to the Middle Eastern people like Iranians whose culture practices beating themselves on the back with chains and whips. Every month, millions of Americans face the self-inflicted pain of making another car payment. Like the Iranians, they believe that if they can do it, it must be good and it will somehow make them better people in the hereafter.

A self-made millionaire, Dr. Cooper, an advocate for reversing unnecessary consumer debt has come up with a simple plan to change how we think of automobile ownership. His plan uses the same philosophy that our grand fathers grew up with, i.e. never buy anything that you cannot afford to pay for out of your own pocket.

Unfortunately, if we lived by those rules we would need traffic lights and zebra crossings on our major highways because they would be packed with pedestrians.

Well let’s share Dr. Cooper’s plan. He calls it the "Vehicle Saving Fund". This is a basic commercial bank savings account that can be started at any local bank. To make it more meaningful to you, lets call it the "Freedom From Car Payment Fund." Anyone can start such a fund; it does not matter if they are currently financing a vehicle.

The idea is that if you intend to be a productive member of society and enjoy the benefits of your labor you will need to have personal transportation. This is not optional for most people who do not live in a big city where public transportation is available. The fund should be considered absolutely necessary, much like the rent or mortgage, it’s a living expense.

Here is how it works; if you are currently driving a financed vehicle, resolve to pay it off in its normal term. It’s hard to keep making payment on a vehicle you do not like but that’s where the discipline becomes important. Also, resolve to put aside a small amount every month to your "Freedom From Car Payment" account. Initially, it is totally understandable that it may be a little difficult but the amount is not important, it’s the habit and the psychology of doing it that makes all the difference. You can start with as little as $5-$10-$25 just be committed to doing it every month until it becomes a habit.

You will also have to make a decision to continue driving the vehicle you are currently paying, this plan does not work if you decide that you need a new vehicle before paying off the one you are driving. The closer you are to your end of term, the better position you will be in to get what you want. But there is no rush, when you pay it off you should then begin to put the amount of your previous payment into your vehicle fund. Now with the equity in your current vehicle and your savings you can begin shopping.

Considering the prices of automobiles today, there is a high probability that because of your vehicle depreciation and the small savings, you might not have enough money to buy a new vehicle. If you do not have enough to purchase what you want, there are always other options; the first is to buy what you can afford. The alternative (worst-case scenario) is facing the dealer with no savings and having negative equity in the vehicle you are currently driving.

Strange concept, I know, but when its all said and done, transportation is transportation, it gets you from point A to point B. The only difference is what you are willing to pay to get there. For many, because of the values they hold "whatever it takes" is an appropriate answer but the mind set has to now change to discipline and the desire to stop making lifetime payments.

If you don’t have a car right now and are enjoying the bliss of not having a financial obligation to an automobile, you can begin your savings immediately so that when the time comes you will have a sizable chunk to begin your search for your new car. You are in a very good position if you are not in the market presently looking for a vehicle.

You have the time to save and plan for your next automobile. Begin the "Freedom From Car Payments Fund" today and in a couple of years you will really be much better off. Contrary to what dealers try to make you believe, car ownership does require long term planning in order to break the cycle of swapping payments every 3-4 years. It is a long term serious investment.

It’s that simple. Easy, no but simple, and it can be done. It requires discipline and patience two characteristics that are not easily harnessed in by the now generation. The obvious benefit is no car payment but you will also save on insurance and have much more disposable income for other necessities. With determination, a little vision and planning anyone can drive exactly what they want; without the burden of a monthly payment. Could that be you?

About The Author

Tony Puckerin is an Automobile Broker in Southern Florida who represents clients at local automobile dealerships. His service has recently expanded to Internet and cover the United States and a few select international clients. For more information go to http://www.automobilenetmarketing.com

ynotpuck@bellsouth.net

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Car Dealer Customer Buy Sheet Template

To find out how to get the best price for a new car, please visit our main page. 

If you are planning to buy a new car, there are two best times to buy it. You should buy it between July to October, or you should buy it at the end of December.

New car dealers usually clear space for new car models during July to October. The factory to dealer incentives can be one thousand to six thousand dollars. At the end of December, people spend their money on gifts. Car dealers usually do not have a lot of customers. So they usually try to make break year end sales.

You should learn about your credit score before deciding to buy a new car. Your credit score directly control your high an interest rate. You don’t want your car dealer know more about your car credit than you do.

If you have bad credit score, you don’t want to submit applications everywhere. You want to submit an application to a bad credit auto loan resource. You want to find someone that specializes in high risk car loans. Even if you have bankruptcy, it is still possible to get a car loan. If your credit score is higher than 525, you have a fighting chance. It is also important that you have job for at least 6 months, and you have no bad credit in the last 6 months. If you have bad credit, you probably have to pay high APR in the beginning. However, if you make payment on time, you may be able to auto refinance to a lower APR.

Author: Pauline Go

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U Fix It Honda, Fix It Aim, Fix It Auto Body Shops

Article Source: http://EzineArticles.com/?expert=Pauline_Go

Carmakers Say It’s Still a Good Time to Buy a New Car

Carmakers Say It’s Still a Good Time to Buy a New Car.  

Top Ten Tips when Buying a New Car 

There are some important consideration to take into account when choosing the model of a car. 

New Car 2010 Mazda3 U.S. launch scheduled for March

There is one more variant of the new Mazda3 that is yet to be revealed. The car is the high-performance Mazdaspeed (MPS) model, which is expected to make its world debut at March’s Geneva Motor Show.

Video games helping to influence new car buyers

Carmakers are increasingly becoming aware.

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New Car Dealer Cost, Car Dealer Ships

The best way to find out what is the lowest price new car in your area is to have your local car dealer ships competing for your business. 

Shopping for a new car when your old one is about to give up isn’t most people’s idea of a good time. It’s not deciding what kind of car you want that’s the problem.

Most people are able to think seriously and be realistic about what kind of car they can afford to own. They’ll happily settle for a sedan, even if they dream of a sports car.

However, your credit might get in the way. If you’ve got less than great credit, car dealers can make you feel like a second class citizen. They don’t want to take the risk of selling you the car you need, so they steer you towards other, less desirable models. They don’t want to waste their time on you if you are not going to qualify for financing.

Very few people have perfect credit these days. There’s always an occasion where you miss a few payments on a credit card or other bill, or get laid off from your job and have to put off the least vital bills. However, even if things are now different and you can deal with your financial responsibilities, you’ll still have that black mark on your credit.

Credit bureaus can keep the information about those missed payments on your record for a long time. When you start investigating your options for financing your new car, they’re sure to turn up. This means that you’re on the defensive, and have to relive the period when you weren’t able to live up to your responsibilities. It’s necessary for you to explain to the dealership what happened, why you weren’t able to make those payments, and to justify your ability to make them now. Here’s some information to help you do this more easily.

The first thing you should do is realistically figure out how much you can afford for your new car payment. Don’t make the mistake of being too optimistic about your ability to save money or reduce expenses. Buying a new car shouldn’t affect your quality of life. If it’s necessary to stretch your budget that thin, you should put off getting a new car until things improve.

When you are realistically figuring out your budget, remember that cars do not drive on air. You will need to put gas in them and it would be a good idea to set aside money every month for maintenance like tires, oil changes, etc.

Also, it’s important to retain a good sense of reality in regards to how much you’ll get when you trade in your car. You probably won’t get the blue book price. For instance, if your car is worth $6000 as a trade in, realize that this is only $6000 off the sticker price of the new car. If you receive a discount on the sticker price (rarely do people ever pay the sticker price!), you probably won’t get as much for your trade-in. Sometimes the amount that the dealer discounts your trade in turns out to be the same as if you’d paid the sticker price in the first place.

However, should you be able to work things out with your dealer and arrive at a fair price, you still need to shop for a new car loan. Even if you’re getting a good deal on your trade in vehicle, you’ll almost certainly need to borrow money to buy a new car. What kind of loan you get is almost as important as picking out the car.

If you happen to have a good credit rating, you can often get a good deal on your new car financing through the dealer. They’ll use the manufacturer’s lending resources to help find you the right financing. The best deal you can get is a zero percent finance rate. There’s no interest with a zero percent rate. You can also get one point nine or two point nine percent interest rates, which are a lot better than you can get through most other lenders. Therefore, if you can get a good deal through the dealer, you should probably go for it.

However, those with less than perfect credit may need to look at other options for their new car financing. You may be able to find attractive loan programs through other lenders. These programs are designed for people with a few credit problems. You can even get loans designed for people with very poor credit or even those who’ve filed bankruptcy. However, you should be careful with these kinds of loans. Slipping up with them can put you in line for lots of fees and penalties, and the interest rate is going to be higher because they will consider you a higher risk.

Remember, when you buy a new car, shopping for the right car loan is just as important as picking out the perfect car. If you go with the first financing you’re offered, you may find yourself paying several thousand dollars more than you would have if you had bothered to shop around. Don’t underestimate the value to you of getting the right financing. There’s an option available for you, no matter what your credit history looks like.

Author: Jon Arnold

To get more insights and additional information on how to get the best Car Loan as well as getting a free loan quote online for the car you want, please visit our web site at http://www.car-loan-resources.com

Article Source: http://EzineArticles.com/?expert=Jon_Arnold

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Car Dealer Websites

Even in this down market, is it still a good idea to buy a new car instead of a pre-owned one? What are some of the advantages to doing so, and do they outweigh the disadvantages?

Here are a few pros and cons to consider when deciding to buy a new car.

Pros of Buying New

1.You have the ability to customize your vehicle from the beginning. If you like having the most control over your car, buying new allows you to get and order exactly what you are looking for.
2.The car is equipped with the latest style and technology, including the latest safety equipment. Because the car has not been through anything it is in optimal condition, which will give you peace of mind.
3.You receive a full manufacturer’s warranty. Warranties rarely come with used vehicles, so that might be something to consider if it is a concern for you. Plus, a new vehicle technically lasts longer since there is no threat of potential abuse of surprises. In addition to the warranty, you will also get Lemon Law protection.
4.New cars generally come with a lower financing rate.
5.You get to enjoy the feel of driving a new car and that new car smell

Cons of Buying New

1.It will cost more. A higher price means higher monthly payments.
2.The value of a new car depreciates rapidly in the first few years of ownership. Some figures estimate that the value of a car depreciates between $5,000 and $8,000 the minute you drive it off the lot. New car buyers absorb the bulk of a vehicle’s depreciation.
3.Insurance rates tend to be higher.
4.With used cars, there is less price variation between the same make and model.
5.Unless the price reaches a certain cut-off point, tax rates are also higher.

Author: Rachel Spohn

Scotia Motors Dodge (http://scotiamotors.com) has been a car dealer in Schenectady and has provided customers with the best car buying experience for over 60 years. Rachel Spohn is a freelance writer.

Article Source: http://EzineArticles.com/?expert=Rachel_Spohn

California Towns Bail Out Auto Dealerships

Car dealerships in these towns have been the economic engine of local government as well as pillars of the community, sponsoring everything from Little Leagues to rodeos.

Will US Government Open Hundreds Of Car Dealerships?

Ford1 Hundreds of junior employees from Treasury.

Used Car Dealerships : News

If your used Car Dealership closes, you could be in for a shock. 

Car dealerships fall like flies

Car dealership failures have turned into a torrent since the resumption of business for 2009.

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Year End New Car Deal, Is It The Best Time To Get A Deal In America?

Lowest New Car Prices–Best At Year End?

Buying a new car requires intricate planning and sorting out of your choices, whatever they may be, the best time to purchase your treasured set of wheels are always a good advantage to most drivers.

Times to acquire your new vehicle

Christmas Season

Most likely, the best time to purchase your car is around the holiday season. Since people do not have any money left to buy a car at that point of time, you can have the extra edge to score better deals anywhere.

Most people do not intend to buy one because of other things expenses like preparing for dinners, shopping for Christmas, entertaining friends and other parties.

The dealer is scouring for a sale, their would like to attain their yearly sales goal, this can always mean good things to you, take advantage of the season where dealers bend the tag price to get enough sales.

Winter period

This is also true with winter periods. They are most likely beneficial in cold weather states, as the mercury drops further at the thermometer, the prices also follow. People do not like to take their vehicle and drive in the snow. These are the low points of the year for automobile sales.

This can always mean the same thing, low prices as they dealers will likely bend the prices to get sales, since their sales are low, and you can find the best deals around.

Year-end Sales

Within August to October are the times which dealers fear losing their sales pitch, what do they do remedy these? Sales, they can always boost their figures up another notch.

This is the time when you come in; you can purchase the best deals off from this time alone. They tend to get rid of most cars in their inventory prior to as newer cars start to arrive, people lose the interest of purchasing the old lineup of cars.

As it can only mean these things… discounts, rebates, freebies, you name it. This is when you can feel that your money had been used for the best investment deals around.

Online resources

The online world offers the best deals where you can pick out your favorite ride. This is essentially helpful for comparing prices; look for the hottest deals, rebates and below invoice prices on cars.

Websites offering these deals are not always in your favor. You may likely to end up looking at numerous sites, they can sometimes be a hassle but the rewards let you enjoy the feeling of driving your chosen car bought at the best price according to your resources

What is really the best time to buy your car?

Do your researching. The best time to buy your car is when you find the best deals possible or when you simply have the resources.

You can care less of the rebates, discounts and anything that comes by with the vehicle, to put it simply, if you have the money, just purchase what car can accommodate your needs and be durable for long-term usage.

Prices really go down at certain times of the year but when you have enough savings, you can always get a bit of discount and would always be rewarding like those items bought within low-priced periods

Think of that as your own time of the year where you can simply purchase the car which suites your budget and invest them into it.

About The Author

Dana Goldberg is the editor of Police Auction Vault. Learn how to buy a car at police auctions. Public auctions are held by the Police Department on a periodic basis throughout the year. Find out when and where. http://www.policeauctionvault.info.

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About Us

Welcome to the bestnewcardeal.net About Us Page

Mission
The purpose of this site is to support new car shoppers with clear and concise ways to get car dealers to bid for the best new car deal.

Also please see our "Contact Us" page for contact information.

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Thank you for your interest.

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