Buying a Car

Our reader, Ms NeuMann left a comment at our site on Sunday saying,
"Well... I have to buy a new car, I'm dreading the car salesman~.
Advice?" Here are some advices for you, Ms Neumann and thank you for
visiting our site:

Step 1: Determine Your Budget and What you Want: We had several
postings on our site about rankings of 2005 cars determined by
JD Power's Survey, AAA's survey of cars and trucks and AAA's survey for
best family cars, Posting about Hybrid cars like Toyota Prius. This might
help you to know if your choice tallies with that of experts.

Step 2: Get your credit report AnnualCreditReportand verify that your
credit score is above 675. Otherwise be prepared for a higher APR if you
are buying it on loan.

Step 3: Internet Research: Get free car Price Quotes and car dealer
invoice prices from these car buying services:
Edmunds.com, Cars.com InvoiceDealers CarsDirect Autoweb, AutoUSA.
It takes only a few minutes to fill out these forms and more sites you use,
more idea you gather about the price range and the lowest available price.

Step 4: Step into a dealership. In order to receive an accurate picture of
the dealer's offer, request a quote for the out-the-door cash price
excluding rebates, incentives or trade-in's and including all dealer-added
fees. Even if you are interested in trading in your old car and determined
to buy it on loan, tell the dealer that you will purchase paying cash and
you will be selling your existing car on your own. This allows you to have
a clearer picture for the price of the car itself setting aside your trade-in
or financing. Later you may start talking about those two factors as parts
of your negotiation but doing this will help you to know where exactly you
stand in terms of the price of the car and lets you to compare with the
quotes you got from internet in Step 3.

Other useful sites for financing and warranties:
o You may get low APR car Loan Approval online (and you may do this
even before buying a car) from these sites:
Capital One Auto Finance, E-Loan, AutoCreditFinders
o You may get extended warranty (sometimes you may get it even 50%
cheaper than what you get from dealers) from these sites:
1SourceAutoWarranty Warranty Direct.