Here are just some of the advantages you can enjoy by selecting a car that gets good gas mileage:

1. Save Money

Obviously, one of the main reasons to switch to a car with good gas mileage is that you won’t have to fill up as often. Thanks to advances in technology, many cars today get excellent gas mileage. Some vehicles, known as hybrids, actually use a mix of electricity and gasoline to power the car, and that means less fuel consumed overall. By requiring less fuel to get from point A to point B, you’ll save a bundle. Not only that, fuel-efficient cars are usually smaller and therefore cheaper than bigger cars. Thus, you will not only save cash on fuel, but also on the front end.

2. Save Time

Perhaps less obvious is the amount of time you’ll save. With fewer fill ups required, you’ll spend less time looking around for the best gas prices, lining up for an open gas pump, filling up your tank, and lining up again to pay. This procedure can take anywhere from 15-20 minutes depending on how long the lineup is. Recently, with many people trying to take advantage of whatever savings they can get, the gas stations with slightly lower fuel prices are usually packed with people. Therefore, fewer fill ups means that you’ll save time as well

3. Save the Planet

We all know that burning fossil fuels like gasoline contribute to air pollution and ultimately global warming. These phenomena are influencing the very planet we are living on in very negative ways, and anything we can do to help reverse this process should be considered. With a fuel-efficient car, you will be burning less fuel which means less pollution - something you can feel good about.

Whether you are trying to conserve cash, time, or the planet, driving a fuel-efficient vehicle is a great idea. But with so many advantages to purchasing a car with good gas mileage, which models fare the best?

One of the best sources to start your research comes from the Environmental Protection Agency (EPA). Every year, the EPA tests every vehicle sold in the US for gas mileage. To find out which models topped the list, check out http://bestgasmileagecars.biz, a website dedicated to finding the best gas mileage cars available. This site also has many gas saving tips you can try to use up less fuel with your current vehicle.

Technorati Tags: best fuel economy, best gas mileage, best gas mileage cars, high gas mileage cars, high mileage cars, highly fuel efficient vehicles, save gas

 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

Technorati Tags: car dealer licensing

I don’t know what kind it is, but I saw it on TV running full speed along the shore (I don’t live near the shore) throwing up spray or maybe it was that one climbing up the steep mountain trail thru the mud, rocks and snow. Very exciting. (I don’t live near the mountains either.) WOW! Just what I need.

But there are a few obstacles.

It costs about $28,000. (That’s close to the average annual wage.) I have perfect credit and they’ll give it to me for no money down. All I have to do is make the monthly payments for the next 5 years of only $541. Maybe it won’t be that much because I’ll be trading in my car and I have it almost paid for it.

I can see me now headed for the beach or climbing that mountain in that shiny new car.

I tell my wife.

She says, ‘So’.

I say, ‘Waddayamean ’so’?’

She elaborates that our car is almost paid for and hasn’t a scratch on it. It looks like new when it is washed and waxed and runs great. She whacks me with if I want a different car we can have this one repainted and put on new slip covers. The transmission and AC have both been replaced and it has less than 100,000 miles on it. She remembers the engine is rated for 200,000 miles and the tires are good for another 50,000 miles. How does she recall those statistics? I can’t win for losing with this woman.

There is a tone in her voice that I know means finality when she iterates, ‘You might want a new car, but we don’t need one’. My reply is the car might break down and may cost thousands to fix’. Her lightning reply, ‘Well, it won’t cost $28,000 and our insurance bill won’t go up either. If you want payments you can make an extra mortgage payment each month. Better yet let’s knock down that credit card debt.’

I hear the air hissing out of my balloon. No beach. No mountains. Forget all that practical stuff like saving for retirement or having some extra cash put away for emergencies. Damn.

BUT - my neighbor has a new car.

About The Author

Al Thomas’ best selling book, "If It Doesn’t Go Up, Don’t Buy It!" has helped thousands of people make money and keep their profits with his simple 2-step method. Read the first chapter and receive his market letter at www.mutualfundmagic.com and discover why he’s the man that Wall Street does not want you to know.

Copyright 2005

al@mutualfundmagic.com

‘Could have been worse’ Winnipeg Sun

A Winnipeg car dealership was saved from possible destruction by fire thanks to an employee’s decision to return for paperwork.  

The Pendulum Swings US Canadian Auto Prices

Will these same dealers complain ? Will the manufacturers send out threatening letters to its Canadian dealers not to sell to Americans ahead of any fore warnings from their US counterparts ?

Winnipeg Opens B10 Station for Municipal Fleet

REV Becomes First Hymotion Dealer in Canada. Winnipeg, Canada has opened a new fueling station that will supply the municipal fleet with B10 biodiesel. 

Wheels.ca - Canada’s Most Trusted

Find new and used car listings on Wheels.ca - Canada’s most extensive auto site. Read expert reviews, compare and price cars, find certified used car listings and more.

Technorati Tags: car dealer in winnipeg

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

Technorati Tags: car dealer denver

For over two decades, Dell, Inc. has been wildly successful at bypassing the traditional stores and selling computers directly to consumers, custom-assembled according to a selection of options.

The promise of convenience and savings, along with Dell’s strong company reputation and their backbone of customer service have helped ease consumer fears of buying a relatively expensive product sight unseen. Gateway and other computer makers have since embraced the online medium and are now enjoying a similar success at a varying degree.

 It won’t be long before buying a new car online is not going to be much different than ordering a new computer. Some German manufacturers have already caught on to this emerging trend.

A BMW enthusiast, for example, could configure and order a new M6 months before its official entry into the US market. He or she could then track its progress through the manufacturing facility online similarly to the way one would track the progress of one’s new Dell.

However, buying a new car online sight unseen is not a very risky proposition. One knows what one is getting and there is franchise dealer and a manufacturer standing behind it.

Buying a Used Car on the Internet - a New Breed of Shoppers

What about the used car market online? How can consumers quantify the risk they are taking buying a used car sight unseen to make sure it is justified by the savings of such purchase?

Historically, conventional used car buyers have been able to kick its tires, take it for a spin, and haggle over the asking price of the car they like at their local dealer since the invention of the automobile.

Because of the internet, a considerable number of these ‘conventional’ used car buyers have found a myriad of ways to harness the power of the ever expanding online automotive resources and tools available at their disposal to make informed buying decisions.

It is from those online savvy buyers that a new breed has emerged - those who buy their used cars online, sight unseen. Although they represent a relatively small portion of the used car buyers, these brave souls see an unmatched advantage and find ways to minimize the risks. But what’s in it for them, one might ask?

Simple, actually: selection and price. The internet offers easy access to a vast selection of vehicles worldwide - online car portals, classifieds, conventional dealers with online presence and pure online-only outfits, online used car brokers, to name but a few. Since most of them are looking for a specific vehicle, their chance of finding ‘the one’ is far greater online compared to the confines of their local area.

Needless to say, virtually all of them are looking for a bargain. Our brave souls take risks, but these are justified, at least in their eyes, because of the savings they realize by utilizing the online channel.

How do they do it? They, too, are well-armed with the online tools they need to make intelligent buying decisions. Here is how these online tools help them through the decision-making and buying steps of the process.

Fair Market Value

Determining whether a particular car is a bargain is a function of understanding its fair market value given its condition in the context of the current supply and demand. For the non-economists, of course, there are a number of excellent online market valuation sources available. Kelley Blue Book, NADAGuides, Edmunds.com are some of the most widely used car pricing providers.

They all base estimates on a large number of recorded transactions and provide appraisal adjustments for the year, make, model, mileage, options, condition and even local market trends. As their appraisal algorithms differ slightly from each other, the estimates may vary, so checking more than one source is recommended.

There are three major price levels: trade-in (or wholesale), private party and retail. Trade-in is what one would expect to get from a dealer for one’s used car - it is the lowest of the three averages, but it’s important to know as a baseline. Private party is what one would expect to get if one sells a car to another person, and retail is what one would pay for that car at a used car dealership.

Third Party Vehicle History Reports

In addition to the seller’s honest word and availability of service records our prudent innovators tap into the same third party vehicle history report providers the rest of the used car buyers use. CARFAX and Experian’s AutoCheck, initially serving the automotive professionals only, have been available to the general public for a number of years now.

For $24.99 CARFAX offers 30 days and AutoCheck offers 60 days of unlimited vehicle history reports. These provide extensive reporting on the vehicles’ recorded history: date and type of registration and renewal events, as well as checking for recorded incidents, odometer rollbacks, junk, salvage, rebuilt titles, insurance loss, theft, lemon buybacks, etc. Many dealers realize the convincing power of stating the recorded facts and now offer free vehicle history reports for the cars they sell.

Car Inspections

Independent vehicle appraisal/inspection services with online presence have also seen a boost in their business. For $99.95, CARCHEX offers to give any automobile a 155-point pre-purchase auto inspection almost anywhere in the USA. Not too high a price for peace of mind, especially if it can save one from having to deal with surprise repairs.

For half of this amount, one can find a mechanic in the local directory who can check out the car and even take it for a test drive on one’s behalf and then fax a detailed report. Nevertheless, some of the more thrifty buyers have found ways to save themselves the nominal fees mechanics charge without depriving themselves of the peace of mind of a pre-sale inspection.

Say, I live in Boston and happened to find a 1974 BMW 2002tii that I really wanted all the way in San Diego. Now, I would definitely want the car inspected prior to buying it. My thrifty side, however, wants to avoid the $150 fee a local company would charge me to inspect the vehicle.

The solution? I would ask a fellow member of the BMW enthusiast community who lives in San Diego to take a look at the car for me. There are plenty of BMW forum members that would be more than happy to offer their time and expertise to a fellow east coast bimmerphile in need.

Shipping

There is a sea of car shipping companies that would gladly bring our pioneers their newly acquired vehicles home at a reasonable price. One example, Dependable Auto Shippers operate a fleet of state-of-the-art, satellite tracked vehicle shipping transporters, which allow one to track one’s car while it’s on its way much like one would track a package.

Yet, a healthy number of this new breed of used cars buyers opt for driving their new purchase home on their own instead. It’s cheaper, it’s faster, and admittedly, it’s much more exciting. Sellers specializing in online sales of this kind have also adapted to accommodate the demands of this new kind of used car buyer.

Airport pickups for our weary yet eager buyers are more or less industry standard, these days. Sellers specializing exclusively in online sales, providing a hot meal for their ‘guests’ at the family table before they depart on their voyage home, is not unheard of.

Although buying a used car online sight unseen is not for the faint of heart, it is a growing phenomenon, which if executed carefully, could be a very rewarding experience for all parties involved.

Technorati Tags: ephrata car dealer

The "best new car price" is in comparison to dealer’s invoice price as most buyers’ club does. (Such as AAA or Costco)

And yes, the "best price” does NOT include your normal Sales Tax, DMV Registration, and Documentation Fees. (Usually around 10% of the new car selling price)

The "best new car price" we provide should only be used as the final target price. More precisely, it gives car shoppers a solid idea of the lowest price currently available. With this information in mind, any new car buyer should be satisfied even if the final negotiated number is a few hundred dollars higher than our new car price listed. (Still a great deal!)

Important Do’s & Don’ts before you buy a new car:

* Don’t buy the car for its sale price. Always test-drive the new vehicle and make sure you’ll enjoy it.

o Don’t buy or lease the car for its "low monthly payment". Pay more attention to the "selling price" & "finance rate".

+ Always read everything you sign at the time of the purchase. Some fine prints are just as important as the numbers.

Step by step

1. Seach and select your desired new car from our Latest New Car Deals, Auto Bargains by Make, or using the Advanced Search option. You’ll then be able to see colors, full specs, and dealer’s invoice cost for the selected vehicle.

2. Get Dealer’s Invoice Cost for the new car from one of the trusted online sources. (Such as Yahoo! Autos -> follow the link to the right to "Build Your Car")

3. Configure the desired make & model by selecting available options; the Invoice & MSRP for each option is quoted to the right. As you make decisions, the tool keeps track of your choices so you always see the "total invoice price and MSRP" for your new car.

4. Now you can easily calculate the target new car price by using the following formula:

Dealer’s Invoice + Documentation Fees

+ Sales Tax + DMV & Government Fees = Target (out-of-door) Price

5. Finally, select the make & model to see which local dealership will offer the best deal for your new car. We invite you to share your shopping experience with us after the purchase, your feedback will be posted to help others.

About The Author

Everyone ask for the best new car deal in town, but we simply don’t know what the lowest price is! AutosBargain.com is dedicated to find the lowest new car prices. We receive hundreds of "vehicle purchased price" & list the best new car bargain daily. Car buyers will no longer have to negotiate blindly & save thousands of dollars on any new car.

Technorati Tags: royal subaru car dealer

Sooner or later most people buy a new car. It doesn’t matter if it’s your third new car or your first, it almost always happens sometime.

There is an art to buying a new car and if you know it, you’re better prepared when that day arrives.

Every car buyer knows that there are tricks to getting a car at a reasonable price. Dealerships and private sellers rarely mark the car at it’s actual worth.

Instead, they mark the price up a little so that they make a good profit for themselves. Another reason is that this lets them give their salespeople better commissions, and this makes them work harder to sell the car to you.

Whatever the reason, almost all dealerships can be talked down on their initial prices, if you know how to haggle properly. When you buy a car, keep this in mind all the time.

The savvy buyer will know that they can talk the dealership’s prices down a little bit, if he/she knows the dealer’s lingo and tricks beforehand and shows that he/she are prepared to deal with them.

Salesmen are there to try and hustle a good price for the company, while you are trying to hustle a good price for yourself.

If you have ever wanted to get your money’s worth out of buying a car, then this will be your comprehensive guide to getting through all of the bull and getting a car at a good price.

Most of the time, it isn’t even just the deal of buying a car that is the problem. Dealers and salesmen have a way of getting extra money out of you for the "extras".

Many people don’t even realize that they purchased the extras until the deal has been closed. And then it’s too late.

Salesmen speak their own language, and to know when you are being sold on something that you don’t want, you need to know how to speak the same language as the salesmen do. Once you do, you will never again be oversold when you buy a car.

Buying a car doesn’t have to be scary and it doesn’t have to be the worst experience of your life. Many people are worried when they buy a car because they know that they are likely going to get ripped off.

About The Author

Pete Lance is the founder of USGasTracker.org, a premier company which helps the consumer save money on gasoline. Thousands of gas stations across the nation are tracked daily to guarantee the lowest prices on gasoline anywhere in the United States.For more information about getting the lowest gas prices in your town visit:http://www.usgastracker

petelance1@yahoo.com

Steps needed to follow before buying new car

When is the best time to buy a car? You will overpay by thousands If you don’t have a new car quote.

Tips and Secrets on Buying a New Car

Buying a new car can be a stressful process, but if you are prepared and have all the information you need to get the best bargain possible then you will go get that car you want will no pressure at all.

How to negotiate buying a new car

Take it one step further and get pre-approved through your bank and walk into the dealer with the best price w/the check. Don’t tell them about it and once you get the guarentee on the price throw the check at them.

The Survive and Thrive Boomer Guide: Thinking of buying a car

Here are some tips from the Consumer Protection Bureau of the New Hampshire Attorney General’s Office on purchasing a new car. Shop around to get the best possible price.

Technorati Tags: car dealer in deland florida

I am sure that everyone wants to drive a luxury car but very few of us are fortunate ones to drive a luxury car like Infiniti.

Imagine how wonderful it would be if you are driving a wonderful car like Infiniti! If you are a luxury car lover then Infiniti dealer is the right person to contact who can help you to choose your favorite car. Infact, you would surely be proud to own an Infiniti car that is manufactured by Nissan who is an esteem car manufacturer in the automobile industry. It is not so that we buy a new car every other day and so one should select a model after doing proper inquiry about it. In your city, you can surely come across various dealers who deals in Infinite cars but finding a perfect dealer is major aspect who can relieve you of getting genuine and better deal.

Infiniti is a popular brand worldwide that has many features like wonderful riding, good comfort level, trendy looks, designs, good performance, durability and various others. All these features accomplish Infiniti as an esteemed car. Every individual wants to buy this perfect car because it a big investment of money and obviously all of us wants to buy best products from the market so that it can work efficiently for long duration. Infiniti dealer has all the latest information about the upcoming cars in the market because the company keeps updating its older models with new models along with launching new models as well. The cars that are manufactured by Nissan are highly advance in technology because the company uses latest technology to make their cars unique so that customers can extremely find their car value for money.

Infiniti dealer is the authorized person of the dealer that helps those individuals who are searching the good and perfect car for their purpose. You can use your car for a longer duration because the conditions of the car are just perfect. Good performance is what influences many people to buy this car. The durability of the car is another factor due to which many of us try all possibilities to buy an Infiniti car at any cost. If you have finalized to buy an Infiniti model, then Infiniti dealer do have all provisions to help you in every phase. Talk to a popular Infiniti dealer and find out latest buzz about the cars. Very often many of us do find some problem regarding funds that is required to buy an expensive car like Infiniti. Infiniti dealer has this solution as he can provide you alluring deals which can prove useful for you.

Now, you have to decide for the color that you want for your lovely car as Infiniti manufactures cars in different colors. Going for a test drive will also assure you of its ride and comfort and various other things. It may happen that you want to sell your existing model of Infiniti, and then contact an Infiniti dealer who will assist you in this regard as well.Today, used cars have a huge market and this can benefit you in getting better money from your old car. It is expected that after running of the car, some parts may get wear and then you need an Infiniti dealer to get genuine parts.

Technorati Tags: car dealer davenport ia, car dealer malboro new york

Buying a new car is a serious decision for any consumer (unless you are a millionaire) that requires a lot of things to be taken into consideration if you want to get the best out of your buy.

The rule of thumb here is to go cool-headed and don’t rush with your purchase, even if you think you know exactly what you are going to buy. Before you start considering options there are three major steps you should go through in order to make you car buying a lot easier and more effective:

- Determine the amount of money you are going to spend for an auto.
- Choose the auto(s) you are able to buy.
- Keep in mind the amount you’ve decided to spend, specify the sum you’re ready to pay for an auto.

Get ready to answer some questions about the sources you are going to use for advance payment while buying an automobile. If you have to pay a down payment then take 20% from the amount (in dollars) you’re going to spend for an auto - the rest should be available for advance payment.

Requirements for payments depend on your current credit history. If you receive a direct auto loan through the Internet, this lender won’t require a down payment from you, on the other hand fixed indirect auto lending usually requires advance payments.

Use the Internet to learn what will be visible to auto lenders viewing your credit history when making a decision whether to give you a loan or not.

If necessary, you can also get a review of your credit and if you think some changes are required, just postpone your purchase for a period of 30 to 60 days to clear your credit from inaccurate information.

Some notes for car buyers

- Start choosing the car according to its main characteristics (value, price range, need)
- Compare a car you want to buy with other brands and models from the same category.
- The most popular cars often have the worst customer support.
- The new, more expensive cars are not always better.
- If necessary, evaluate the value of the car, its beauty and status which it brings to you.
- When buying a second-hand car compare the retail and wholesale price of the car you’ve chosen.
- When buying a new one check its true market value.

Before going to an auto dealer check for direct auto loans on the Internet.
If you are approved by the direct lender via Internet, you become a desired and stable consumer for a car dealer.

Being a stable (cash) consumer allows you to not use your Social Security Number in negotiations with auto-dealer when buying the auto.

Being a stable (cash) consumer you have a right to conclude a "One-Pay Contract" in case you’re approved by one of numerous direct lenders.

If you’re not approved by direct lenders, "indirect" dealers also offer good alternatives if you have the knowledge necessary for approaching the auto-dealer and understand your financial capabilities in full extent.

By: David Mayer

Article Directory: http://www.articledashboard.com

If you have found this article interesting you can visit its David Mayer’s site www.autoloansquotes.net/auto-buying-facts.html for more writings. David Mayer has spent years in perfecting his journalist skills and is pleased to share his vision with you.

Steps needed to follow before buying new car

Don’t just look up dealer cost. You need genuine life new car purchase quotes to keep dealers in line.

How To Get A New Car Extended Warranty At A Rock-Bottom Price

For those that are, they’re in lousy position because they don’t know what an extended warranty actually costs. The Dealer presents a figure they want you to pay….and you have no base-line figures to compare it to.

Stimulus Bill Provides Little Help to Today’s Car Buyers

The stimulus bill does contain a provision to make buying a car a little cheaper: It allows new-car buyers to deduct the state and local sales tax paid on a new car from their federal taxes, even if they don’t itemize.

FORD ESCAPE HYBRID RECOGNIZED AS BEST NEW FAMILY VEHICLE

The vehicle also was recognized as “Best Crossover/SUV Value Under $28000” by Intellichoice.com, a leading source for automotive ownership cost and value analysis. 

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How do I beat the car dealer?

Tips on what to look for when purchasing a vehicle.

Before purchasing your next car, you’re going to want to check for hidden costs, add-on fees, and other charges. You could end up spending hundreds, even thousands, of dollars over the lifetime of your loan.

Once you’ve found the car you want, it’s time to sit down with your sales rep to negotiate the terms of your contract. After a little back and forth on price, figuring out your interest rate, and calculating your monthly payment, you’re ready to sign on the dotted line, right?

Not so fast.

When you read the fine print you may find that additional fees and charges have found their way into your contract - including add-ons you didn’t necessarily ask for.

Most car buyers are so focused on getting the best interest rate and negotiating the most affordable monthly payment that they’re unconcerned with the fine print of the contract. By the time they get to the step where they review and sign the paperwork, if the sales rep is throwing industry terms at them that they don’t fully understand, they’re becoming exhausted from the entire process and just want to get it over with.

Here are a few insider tips to make sure you don’t regret signing those papers.

1.) Read the Fine Print
While this seems pretty obvious and self-explanatory, it’s amazing how trusting the consumer can be. Honestly, the last time you bought a car, did you read and fully understand the contract before you signed it? Probably not. Most people don’t.

Some unscrupulous car dealerships are betting on that. Because most people don’t read the fine print, some sales reps can slide in additional, undisclosed charges or extras with huge mark-ups to their profit.

Also, make sure there are no blank spaces on your finance contract that can be filled in later - wherever there are blank spaces, write in "$0" or "N/A."

2.) Typical Extras
Most of us are familiar with learning about the standard features of an automobile and then figuring out which additional features we are willing to pay extra for, but here are some extras to look out for when reviewing your contract:

Rust proofing
Extended warranty
Fabric protector
Car alarm (including Lojack, a device police use to find your car if you report it stolen)
Paint sealant
Credit life insurance
GAP
Window etching

The value of such extras depends on individual customer needs and situations. If the sales rep attempts to tell you that some or all of these extras are standard for every vehicle on the lot, ask to order your car from the factory, or suggest the dealership trade with another dealer that hasn’t pre-packaged their vehicles.

Extra products can add thousands to the negotiated price of the vehicle. Most products fill a customer need that when priced and disclosed correctly and can add real value to the whole transaction.

The problems with extras occur in two areas. First, when the sales rep doesn’t spend the time necessary to determine which products fit the specific needs of the customer. Rather than suggest specific extras individually priced, the sales rep lumps all the products together and pushes you to buy them as a package.

Second, unscrupulous sales reps can add thousands of dollars to the amount financed for these products, but not disclose the price increase until the last possible moment, when the financing contracts are being signed.

3.) Documentation and Administration Fees

Federal, state, and local governments are pushing more and more of their regulatory cost onto the local dealerships. In an effort to offset some of these fees and services dealers are required to perform, most add, a documentation or administration fee to the total cost of the transaction. Depending on state and local regulations, fee adding $100 to $150 seem reasonable and cover most of these additional items. These services include:

Duplicate Title Fees
Notice of Security Interest (to perfect lien)
30-day Permits
Federal terrorist matching data bases
Federal information privacy requirements
State vehicle id verification
Highway Patrol Inspections for out-of-state titles
Registering leases at customer’s county of residence
Carfax
FedEx charges/Shipping charges
Additional title addendums
Truth in lending record retention
Some dealers have taken up the practice of marking up documentation and administrative fees and are now charging as high as $300 to $500 per sale. A few are even higher. The charge for most of these fees seems to be more based on getting a customer to pay extra after the customer has finished negotiating, not the average amount it cost to get most deals through various state and federal regulations, as implied.

4.) Ask for a Menu System Disclosure

The best disclosure method I’ve seen in years involved using a menu system. On a separate sheet of paper the rep produces a document that includes:
1.)The negotiated price of the vehicle or trade difference
2.)The additional price of suggested extras (these can be shown as various option packages that may save money when bought in combination and as individually priced options)
3.)New totals initialed by both parties

This procedure makes sure that any suggested extras are properly explained and disclosed. It also allows the customer time to consider each item separate from the longer and potentially confusing finance documents. The final numbers from the menu should get carried over directly to the finance document.

5.) Other Costs

When buying a car, remember that there are other "hidden" costs (or, costs that aren’t usually considered), that go beyond the dealership.

During the lifetime of your vehicle, you’re going to have to pay for registration and tags, taxes, insurance, oil changes and fuel every year, and periodically pay for maintenance and repairs. Older models (cars more than 3-5 years old) may cost less up front, but you will likely need to factor more maintenance and repair costs into your budget than if you bought a newer model. While new models need fewer repairs and maintenance work, you will have to pay more up front.

Your wallet does not have to go through the ringer the next time you decide to visit a new or used car dealer. You can protect yourself from blindly signing into an unfavorable car deal by doing your homework, going to a car dealership with a good reputation, being prepared, asking questions, and double checking behind your sales rep.

About the Author
Scott Conklin is president of Conklin Cars, a Salina new/used car dealer (http://www.conklincarssalina.com/), Hutchinson new/used car dealer (http://www.conklincarshutchinson.com/), and Newton new/used car dealer (http://www.conklinnewton.com/) in Kansas. You can shop their inventory of 300 new and used cars, trucks, and SUVs at any of their three locations. For more information, visit: http://www.conklincarshutchinson.com/, http://www.conklincarssalina.com/, or http://www.conklinnewton.com/.

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