AMERICA’S # ONE AUTO BUYING SERVICE’S

Consumer EducationalPresentation & Seminar

AMERICA’S # ONEAUTO BUYING SERVICE’S

Purpose of the presentation today is to educate, enlighten, inform, and entertain you about some of the intricacies of purchasing or leasing your next vehicle!

We will attempt to answer all your questions and if we can’t we promise to get you the answer to your question by the end of the next business day!

We will also give you an overview of our company, AMERICA’S NUMBER ONE AUTO BUYING SERVICES.

This will be done in a very relaxed yet informative manner so we encourage you to ask questions, simply raise your hand like when you where in school and wait to be called on.

AMERICA’S # ONE AUTO BUYING SERVICE’S

Some of the TOPICS we will discuss include:

New or Used Purchase or Lease Trading in your present vehicle Finance Options for your transaction

Aftermarket items for your vehicle Insurance options (GAP insurance) Extended Warranties

Refinancing your existing auto loan Private Party Transactions Example savings

Why use our services

AMERICA’S # ONE AUTO BUYING SERVICE’S

“Car buying is not about price alone; it’s about the total process, – it’s about the A to Z of the entire

deal” “ Annie Heerup, President, Founder, CEO of A1ABS

Chew On This

AMERICA’S # ONE AUTO BUYING SERVICE’S

Our Definition of an AUTOMOBILE

“The most price sensitive, costly, impulse item conceived to be a necessity until a list of

so called indispensable options make it a luxury, which is longed for indiscriminately

for a maximum of 3 days by a consumer who really doesn’t need it.

Like a pair of shoes it is purchased to fit an occasion and not necessarily to fit.”

AMERICA’S # ONE AUTO BUYING SERVICE’S

New or Used? The most important thing about buying a used car is that you

know everything you can about the history of the car, including: The number of previous owners If the car was ever involved in an accident Any previous mechanical problems The maintenance history of the car One of the largest benefits of buying a used car is that you can

often get a great deal and in many cases, the car you buy may even be relatively new. Successful used car buyers frequently are just as happy with their used car as new car buyers are with a new vehicle.

Used car buyers stay within their budget more often.

AMERICA’S # ONE AUTO BUYING SERVICE’S

What kind of car do you need?

Examine your needs rather than wants, you will quickly discover what the right car is for you. . How many people do you need to transport? What kind of driving do you most often do? How long is your commute? Is it important that your next vehicle get good gas mileage?

In too many cases people choose a car because it has an eye-catching style or it is a trendy favorite. If you go in this direction, you may either break your budget or have to go car shopping again soon.

Let your needs, not your wants, drive your decision.

AMERICA’S # ONE AUTO BUYING SERVICE’S

Here are a few other questions to keep in mind when you begin your car-buying process:

Do you want a manual or automatic transmission?Do you really need four-wheel drive? Or all-wheel drive?What safety features do you want?Do you require a lot of cargo-carrying capacity?Will you be doing any towing?Will the car easily fit in your garage or parking area?

AMERICA’S # ONE AUTO BUYING SERVICE’S

How much can you afford?

Regardless of whether you decide to buy or lease your next car, establishing a realistic monthly payment that will fit into your budget is a crucial first step.

How much should this be?

A rule of thumb is your total monthly car payments — whether you own one car or more than one — shouldn't exceed 20 percent of

your monthly take-home pay.

Don’t Get Caught Off Guard!

AMERICA’S # ONE AUTO BUYING SERVICE’S

Should You Lease or Buy Your Car? Certain lifestyles may work better with leasing than others. For instance, if you entertain business clients, leasing allows you to drive a luxury vehicle for less money (and there may be a tax write-off for certain professions).

Other people just like to drive a brand-new car every two or three years.

So ultimately, leasing isn't only a dollars-and-cents question — it's

about personal tastes and priorities.

However, for some people, everything is a dollars-and-cents issue.

AMERICA’S # ONE AUTO BUYING SERVICE’S

Advantages of Car Buying

Pride of ownership — you can modify your car as you please.

Car buying is more economical in the long run unless you buy and trade-in regularly.

No penalty for driving excess mileage Increased flexibility — you can easily sell the car whenever

you want.

AMERICA’S # ONE AUTO BUYING SERVICE’S

Advantages of Car Leasing

Lower monthly payments Lower down payment You can drive a better car for less money each month. Lower repair costs (With a three-year lease, the factory

warranty covers most repairs.) You can more easily drive a new car every two or three

years. No trade-in hassles at the end of the lease You pay sales tax only on the portion of the car you finance

AMERICA’S # ONE AUTO BUYING SERVICE’S

Disadvantages of Car Leasing

You don't own the car at the end of the lease. Your mileage is limited to a set amount, typically 12,000-

15,000 miles a year (excess miles are paid for at the lease termination).

Lease contracts are confusing. Leasing is more expensive in the long run (as opposed to

buying and driving until the wheels fall off). Wear-and-tear charges can add up (paid at lease

termination). It's costly to terminate a lease early if your driving needs

change.

AMERICA’S # ONE AUTO BUYING SERVICE’S

Disadvantages of Car Buying

Higher down payment is generally required. Higher monthly payments You're responsible for maintenance costs once

the warranty expires. Trade-in or selling hassles when you're ready to

get rid of your car More of your ready cash is tied up in a car, which

depreciates, rather than an investment that appreciates

AMERICA’S # ONE AUTO BUYING SERVICE’S

If you are trading in your old car...

You will probably think your trade is worth more than the actual price you will receive.

Ins and out of trading in your vehicle – true market value is the difference between what Edmunds says and the true market value a dealer will allow.

From the dealers perspective, true market value is what the wholesalers are willing to pay on the auction block – the public does not have access to this information

Even when you complete your due diligence, you still have to find someone who is willing to pay you that price for your vehicle.

AMERICA’S # ONE AUTO BUYING SERVICE’S

You have to be realistic about what someone is REALLY going to pay you for the vehicle you’re trading in or selling.

Before buying, consider why are you trading out? Is it gas consumption or have you grown out of the vehicle (family status, work, mileage etc)

Losing on the trade is not saving you money – does trading make economical sense. If it doesn’t then don’t do it. You’ll lose money in the long run.

AMERICA’S # ONE AUTO BUYING SERVICE’S

However, trading in offers some advantages. You can solve all of your car-buying problems in one visit to the dealer. You can unload a hard-to-sell car with no newspaper ads, DMV lines or tire-kicking buyers involved.

AMERICA’S # ONE AUTO BUYING SERVICE’S

Finance Options Cash Know your credit score Terms from 24 to 96 months available Make sure you get all rebates and incentives Make sure you understand exactly what you are

financing And for how long!

AMERICA’S # ONE AUTO BUYING SERVICE’S

AFTERMARKET ITEMS These are items added at the dealership that you may or

may not want and most often do not need…they are simply a great revenue and profit source for the dealer.

For example…Desert Protection Packages, Window Etching, Window Tint, Privacy Glass, Wheel Covers, etc.

Can be purchased after you purchase on the open market for 15% to 65% less than what the dealer’s usually charge.

AMERICA’S # ONE AUTO BUYING SERVICE’S

Do not get your car insurance from the dealer or the finance company, it is very expensive.

Do consider gap insurance but not from the dealer or finance company, you can find far less expensive coverage outside of the dealership.

AMERICA’S # ONE AUTO BUYING SERVICE’S

EXTENDED WARRANTIES

Know when to purchase

If new vehicle you will not need one until manufacturer’s warranty expires

Purchase on the open market

AMERICA’S # ONE AUTO BUYING SERVICE’S

REFINANCING YOUR EXISTING LOAN It could actually cost you more money. Should you or shouldn’t you? Rules of thumb.

Best within 1st 2 years. Drop the Rate 2-3 Points Drop the term by a year or more.

AMERICA’S # ONE AUTO BUYING SERVICE’S

PRIVATE PARTY TRANSACTIONS

Do so carefully

Research any possible liens

Make sure you get a clean title

AMERICA’S # ONE AUTO BUYING SERVICE’S

CUSTOMER CASH DOWN vs. 0% FINANCING

$24,000 Vehicle $24,000.00 Vehicle 0% Interest Rate -$4,000 Rebate 60 Month Loan $20,000.00 Loan Monthly Payment = 3.75% Interest Rate

$400.00 60 Month Loan Monthly Payment =

$367.00

INTEREST SAVED = $1,980.00SAVINGS ON CAR PRICE = $4,000.00

TOTAL SAVINGS =$5,980.00

AMERICA’S # ONE AUTO BUYING SERVICE’S

WHY USE AMERICA’S NUMBER ONE SERVICES? We are your representative, we are with you through out

the entire experience. Professional Advise and Guidance. Evaluate same vehicles from different manufacturer’s. All makes and models available. Purchase (New or Used) or Lease (New or Used) Volume pricing. All rebates researched and passed on to you. Get best financing available – Credit ratings from A to Z. Reduce Emotion in Purchasing Process. Stress Free, and an Outstanding Experience.