7.28.2017

Picking the right car for you

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Buying a new car is an exciting time in your life, whether it is your first car or you are one of those people who buy a new car every year, I work at a car dealership and some people are always car shopping.  
There are so many to chose from but you need to pick one that works for your family, so here are 6 tips for picking the right vehicle 

1) Buy based on your family needs: if you have a family  a 2 door vehicle likely wont work for you. You need either a 4 door car, a SUV or a mini van, depending on the number of kids you have. 


2) Look into Pre-financing Options
Many people obtain financing from the car dealership, but this isn’t fiscally responsible. Dealership interest rates are typically much higher than loan rates obtained from banks and credit unions. Your bank or credit union is one of the best places to start researching car loan rates, and you can obtain “relationship discounts” that you won’t find anywhere else.
Although you may not find the best deals online, you can also use the Internet to review current interest rates. once you obtain a quote from any financial institution, get the quote in writing. You can then present this quote to the dealership and use it as leverage to negotiate a lower interest rate. Another great place to check out is Cars.com they have the best deals for your money and your needs. 

3. Shop Around Unless there is an emergency situation

Shop around before you buy a car. I have an established rule in place whenever I shop for a car: I always make sure that I walk out of at least one dealership. This way, I always know their rock-bottom price, often given to me just before I leave. It might also make sense to explore out-of-town car dealerships. Dealerships price their vehicles differently depending upon their location.


 4) Look at Both New and Used Cars

In the past, buying a gently used car was the best way to save money when purchasing a vehicle. A big reason behind this logic is that new cars depreciate considerably the moment they are taken home from the dealership.
Unfortunately, the supply of used cars has decreased dramatically after many were removed as part of the “Cash for Clunkers” program. In addition, more people are holding onto their cars for longer periods of time before looking for a replacement. As a result, prices for used cars have increased significantly, making new cars a more realistic option.

5. Buy Based on Purchase Price, Not on Monthly Payments

Car dealers are notorious for offering a very attractive monthly payment to potential buyers. Do not be misled. If this “wonderful” payment is attached to a 72-month loan, then it’s really not that attractive at all.
Be sure to always negotiate based on the purchase price of the car, and not the monthly payment. Also make sure that you know the “full” purchase price of any car that you buy. There could be many extra, hidden costs factored into the price including various taxes, car preparation and delivery fees, and dealership costs that you won’t know about unless you ask.
6. Always Test Drive the Car
90% of people who buy a new car test drive it first. Do not be among the other 10%. You want to test drive the car for many reasons, but comfort should be foremost in your mind. There are some cars that you just won’t feel comfortable driving. If this is the case, move on.
If you have children, bring them along on the test drive. Their comfort level is important too, and trust me, they will give you their honest assessment of the car. In addition to comfort, look for the following:
  • Idle: The car should be smooth and quiet.
  • View: Make sure the view from each of the mirrors is acceptable, and you have a straight line view of all dashboard gauges.
  • Controls: Flip on the air, locate the turn signals, and turn on the windshield wipers. Ensure that everything is easy to use. Some people find that their fingers are too big to handle certain switches, buttons, or levers in some cars.
  • Handling and Brakes: Make sure the car responds when you push the accelerator or brakes. Cars vary significantly in terms of sensitivity, and you want to choose a car that best fits your preferences.
I hope these tips will help you make the right decision on the car that is perfect for your family.

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