Caveat emptor : PROBLEMS WITH THE POLLEN DATA FROM DOS CABEZAS
Car Buying Caveat Emptor Step One: Decide What’s Important? What do you need the car for? What...
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Transcript of Car Buying Caveat Emptor Step One: Decide What’s Important? What do you need the car for? What...
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Car Buying
Caveat Emptor
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Step One: Decide What’s Important?
What do you need
the car for?
What qualities of the car are most important?
1toc
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What kind of vehicle do you want to buy?
Ask yourselfWhat will I use the vehicle for?Towing anything?Driving passengers around?Need a lot of cargo room?How many miles will I be driving?How long will I have the vehicle?
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Options
engine sizetransmissioninteriorsafety featuresspecial electronicsconvenience packages some much more
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Vehicle Size is Important
Sub-compact carsvery gas efficientless operating costsless protection
in a collisiondo you travel alone?
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Compact Cars
gas efficienteasy to maneuverroom for otherslittle protection
in a collisionsome cargo room
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Medium Size Car
room for 4 or moregood gas mileagemidsize cargo areamany choices
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Full Size Car
comfortable ridelarge trunkUp to 5 passengerspoor gas economyhigh operating costslot of protection
in a collision
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SUVs and Pickups
large cargo areacarries many passengerspoor gas economyhigh operating costslot of protection
in a collision
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New or Used
List as many advantages and disadvantages you can think of for buying a new car.
Do the same for a used car
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Basic Transportation
How much car can you buy?
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How much car can you really buy?
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Budget Questions
Decide how much you can afford to pay each month. (15%-20% of take home pay)
How much of a down payment do you have?
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Buy vs. Lease
Buy: Finance entire amount of auto.
Own car after meeting loan terms.
Lease: Finance purchase price less residual value.
Lesser owns car after expiration of lease.
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$$$$$$$$$$$$$$$$$$$$$$$$$$
Purchase Price $ 30,000.00
Down Payment 3,000.00
Finance Amount $27,000.00
(Interest Rate 5%)
Monthly Payments $566.14
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Just to Get Started.
Down Payment $3,000.00
Sales Tax 2,225.00
Basic Registration 33.00
Gov’t Services Tax 420.00
Supplemental Gov’t Services Tax 105.00
First Month’s Payment 566.14
Total $6,349.14
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Let’s Keep Going
First Year of Ownership.
First Month $6,349.14
11 Monthly Payments 6,227.54
1 Year Min. Insurance 1,200.00
3 Oil Changes 60.00
Gas 1,660.00
Total $15,496.68
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The shopping is not over!
Shop for the best financing Zero Down Low APR Delayed Payments Rebates
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The Test Drive
If the owner of the car refuses to let you test drive, look for another car.
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Test-drive the car/model you want
Plan to drive many cars in the same day
Don’t bring anybody who will distract you
Do not bring your checkbook, your pick slip, or even your trade
Plan your route, preferably near your home
Bring a knowledgeable person you trust
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Have the car inspected?
Bring to a mechanic you know and trust. For a fee, they will check the car over for any obvious problems.
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What About the Test-Drive?
How Does the Car Feel Getting In and Getting Out?
How Is My Visibility?
How Does the Car Ride, Accelerate, Brake and Handle?
Hear Any Noises?
Any Lights on?
Signs of a Collision?
Everything Work?
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Plan the purchase
Decide on the price you want to pay
Make sure you want the car you are buying
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Negotiate the purchase
Be Prepared Select the Car to Buy Test Drive Again Set Your Price Set the Value of Your Trade Factor in Your Down payment and Rebate Check on Dealer Financing
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Be Sure To
Get any and everything you agreed upon in writing!
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Complete the sale
Set priceAgree on the value of the tradeFinalize financingExtended warranty?
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What to do next
Don’t park anywhere near others cars
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Or maybe get it washed