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Buying Your Next Car

pete@dmcccorp.

By Pete Glocker Category: 0

Submit your Articles Here!

pete@dmcccorp.org.

Best regards

Pete Glocker
http://www.dmcccorp.org

Buying Your Next Car
Copyright (c) 2006 Debt Management Credit Counseling Corp.

If you in the market for a new car, you have probably done
your research on the vehicle you would like to purchase,
but have you done your homework on the dealerships that
sell them? There are a few things to consider when you
enter the dealership zone. Knowing these industry tricks
can save you thousands.

Trading your car? Do some research before handing it over
to the dealerships. You could get more by selling it
yourself, than what a dealership will offer you. Selling
the car yourself may require more time and patience but the
money you will save could help considerably toward the
purchase of your new car. If you would rather trade it in,
check www.Edmunds.com for the "true market value" of your
car. Also, have a trusted mechanic inspect your vehicle
first. Get written estimates for any repairs that your
vehicle may need done. Do not present this to the
dealership right away. If they catch the damages, then
present the information you have. A dealership will charge
you more for needed repairs. Should the written estimates
not make a difference in price at the dealership, you may
want your mechanic fixing these repairs before you trade in
your car. Taxes can also make a difference whether you
sell it or trade it in. Let us suppose you sell your car,
on your own, for $20,000. You will have to pay sales tax
on the entire amount. However, if you trade it in and get
$10,000 to go toward the price of the new car, that sales
tax was just cut in half.

Vehicle manufacturers have recently started offering cash
rebates and special employee discounts to all consumers.
These are great deals. Check with the manufacturer through
their website if that is a promotion they are running on
the vehicle you want. Manufacturers will also try to
promote the sale of an older model vehicle or a model that
did not make the most popular list. In order to see if
the vehicle you want qualifies for such a promotion, go to
www.cars.com. Once you acquire this knowledge, keep it to
yourself. Revealing these secrets, may make the negotiation
process at the dealership a little hostile.

Now, you know how much your car is going to cost before you
walk into the dealership. However, they may not have the
car you want without all the added features which can get
pretty pricey. Spoilers, pin stripes and antitheft
systems, are all examples of extra options. If they do not
have the car you want without these features, request that
they have one shipped to the dealership. In which case,
they will charge you a shipping cost. However, this
shipping cost may be less expensive than the features
already on the car in the lot. You should not only pay
attention to the features on the car, but also to the
features on your bill. "Administration fees" are
negotiable and sometimes they will remove it if the buyer
questions it. However, most buyers do not know to ask.
Question everything on the bill, especially if you do not
understand something. Common charges are taxes,
documentation fee plus the license and registration fee.

Now that you are armed with the vehicle information, order
your three credit reports, with scores, so you can be
prepared to discuss the financial aspects of your purchase.
Know what your credit report says about you, this is your
buying power. The better your credit, the more you can
negotiate to get the deal you want. It is a legitimate
practice for the dealership to get a cut of the loan for
your car. However, it is not legitimate for the dealership
to steer you toward a high interest loan or one that gives
them the highest kickback. Shop around for a loan on your
own. Check your bank or if applicable, your credit union
for an approval. There are online sites that can assist
you with the comparison of rates, such as, www.bankrate.com
or www.e-loan.com.

Buying a car is exciting but it can also be very stressful.
Make sure you do your research and be as educated as
possible before you enter the dealership. Many of the
sites that are mentioned above can also be of assistance if
you are buying a car from a private seller. Lastly, do not
let the dealers intimidate you. Should you have questions
during your visit, ask. If you do not receive a
satisfactory answer, speak to someone else. You are making
a big purchase, do not succumb to their tricks. If you do
not feel comfortable with the information you receive or
their customer service, take your business some place else.
It is your money!

----------------------------------------------------
Pete Glocker is employed in the Education and Charitable
Services Department at Debt Management Credit Counseling
Corp. (?DMCC?), a 501c(3) non-profit charitable
organization located in Boca Raton, Florida. Pete graduated
from Florida Atlantic University with a BA in Multimedia
Journalism and was a web producer Intern for Tribune
Interactive products Sun-Sentinel.com and SouthFlorida.com.
DMCC provides free financial education, personal budget
counseling, and debt management plans to consumers across
the United States. Debt management plans offered by DMCC
help consumers relieve the stress of excessive debt by
reducing credit card interest rates, consolidating and
lowering monthly payments, and stopping collection calls
and late fees. DMCC financial counselors can be reached for
free education materials, budget counseling and debt
management plan quotes by calling 866-618-DEBT or by
visiting http://www.dmcccorp.org . Pete Glocker can be
reached by email at pete@dmcccorp.org.

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