All posts tagged auto buying tips

4 Tips For Finally Getting Your Dream Car

Most people have a dream car. It’s that vehicle they think of for months or years and aren’t really sure how they’ll ever afford it. Many people wait and hope for some sort of financial windfall that will magically put them into their dream car with ease. Often, this is as much of a fantasy as it sounds. The good news is there is a better strategy. By putting in a little extra work and planning, you may be able to afford your dream car without any major financial changes.

Secure a Private Loan

While nearly all dealerships offer in-house financing, it is usually the worst financing deal you can make. In-house financing gives the dealer every opportunity to include other charges or mark up interest rates. Dealers tend to focus heavily on monthly payments as a way to steer customers’ attention away from the finer details of the loan. Don’t let this happen. Read the loan documents thoroughly and be sure you aren’t overpaying for the vehicle.

This can be avoided if you secure outside financing before ever approaching the dealer. A bank or credit union is likely to offer a better interest rate and loan free of extra charges. They will also help you better understand the terms of the loan and only provide what you can afford.

Use Money From Other Vehicles

Having a trade-in can be a valuable bargaining tool and help ease the burden of a down payment. You can bring your old car to the dealer as a real trade, or for a slightly better value, you sell the car yourself and use the money as your down payment.

If your car has been in an accident, there are few other things to keep in mind. First, it is important to recover financially from an accident before considering an expensive car purchase. Your interest rates are likely to be going up anyway, and a new car can push them further. If your car is totaled, however, this can be an opportunity for you. Work with your insurance company to settle an amount you can put toward your new car.

Make A Savings Plan

Many people shy away from a vehicle purchase they really want because they are sure they won’t be able to afford the monthly payment. It is actually common for customers to walk into a dealership with very little preparation or money to put down. This is one of the worst things you can do for your budget. Most car salesmen are happy to see customers with no down payment and limited research. They can manipulate those customers backwards and forwards, and they will. Often a dealer will negotiate an affordable monthly payment, but the costs in interest for a longer term loan can easy make a car many thousands of dollars more expensive than it should be. Pay attention in your negotiations, and make sure that you’re getting something you can afford.

A good rule is to walk into a dealership with no less than 20 percent of the vehicle price as a down payment. If you don’t need a new car immediately, then taking four to six months to save up this extra money can really pay off. Planning and budgeting is crucial, and the money should go into a savings account where you will be less likely to accidentally spend it.

Prepare For The Future

 It is also important that you prepare for after you obtain your dream car. Have a regular maintenance schedule with a trusted mechanic, and plan for the future. Hopefully crashes will be avoided, but you will want to have a pocket of money saved up in the case that it does happen. You will also want to have a mechanic you trust, like those found at Chehalis Collision Center, who can help you get your car back onto the road.

By having the right plan and financial preparation, you don’t have to wait until you win the lottery to buy your dream car. Even rather expensive cars can be affordable with the right planning, budgeting and shopping around for the right deal. Never go to a dealer unprepared. A real car buying plan can take months of research to prepare, but it is worth the time invested.

Car Shopping: Tips and Tricks to Get You on the Road Fast

Car buying isn’t always an enjoyable process. Some salespeople won’t even let you get out of your current car before they are trying to sell you another one you don’t want. Going to the dealership with a plan in place will smooth things out and allow you to find the car you can truly be excited about buying.  This is something that most people desire when they buy a new car.

Test Drive

After searching online for the type of car you want, you need to test drive it to make sure it is as good a car on the road as it is on paper. Narrow down the field to two or three prospective cars you’re really interested in so that you have an organized plan.  When buying a car, you need to be shrewd, as in, picky. Test drive all of the cars to see how they handle different road conditions such as stop-and-go traffic, braking quickly, and acceleration. You should also think about how expensive they are to maintain. You might get a good deal to start with, but if it needs uncommon parts and requires lots of repair, it might be more money than it’s worth.


Once you have determined your budget for the monthly payments, it is a good idea to get pre-approval from a few lenders. If you have a less than perfect credit history, try to find a bank that is more lenient on their criteria. There are lenders out there that are willing to work with people who need a second chance to get a new vehicle. Having the pre-approval before you go to the dealership will provide you with some negotiating power.  Credit reporting data is an aspect of business that is integral to auto dealers. For instance, NCC Direct, Inc. realizes that the more accurate the data, the more sales and higher profit margins will result.  This makes it easier for auto dealers to help their customers.

Time of Year

Towards the second half of the year, dealerships are looking to get rid of the older models to make room for the new ones. They are more amenable to working out a lower price when it is prudent for the car to get off the lot. You can also get a great deal if you go at the end of the month any time of the year when the salesperson is trying to meet their monthly quota.

When you decide it’s time to get a new car, it shouldn’t be met with a groan. Getting a new car should be a pleasant and happy experience. Doing your due diligence at home to get the best car loan for you, going to the dealership at the right time of month and year, and testing out your top picks will increase the odds that you leave in your fresh new car with a smile on your face.

Six Things To Look For In Car Dealerships Before Buying

Many people go to car dealerships to buy a car without looking for anything specific in terms of what the dealership has to offer. This is a common mistake that many make. Here are six things to look for when going to car dealerships before buying.

A Negotiable Salesman or Dealership

Regardless of whether you are buying a new or used car, you want to get the best deal possible. The only way you will get a good deal is by being able to negotiate with either the dealer or car salesman present. Usually, car dealerships are mostly focused on turning over inventory. Meanwhile, salesmen are interested in hitting their quotas, which will bring them more money. Some more expensive cars and junk cars may not have much wiggle room in terms of price, but in many cases, one can lower the price simply by negotiating. If the dealership you are at doesn’t allow you to negotiate, you can almost certainly be assured that another will.


Do your research before purchasing from any given dealership. Many dealerships have Yelp or Google pages that can help you in seeing if the dealership is good. Talk to others in the area who have worked with them and read online reviews.

Being Able to Get an Appointment with the Sales Manager

Meeting with the dealership’s sales manager shows to them that you are serious about purchasing the vehicle in question, and you know what you’re doing. Ultimately, it will also help you with getting a better deal on your next vehicle.

They Do Credit Checks

Serious car dealerships will do a thorough and reputable credit check through a company like NCC Direct, Inc. You will want to know your own credit history, as a less reputable dealership may try to rip you off by saying your credit is not worthy of a better interest rate.


Many dealerships will accept coupons, most likely obtained online or in a circular. Even if a specific dealership doesn’t accept coupons, it doesn’t hurt trying.

Competitive Prices

Although this ties into coupons, it deserves its own category because you absolutely do not want to overpay. A good dealership will have competitive prices, whether that is reflected in the sticker price, or a policy such as price matching.

These are six effective ways to evaluate whether one should visit a specific car dealership. While thorough, this list is by no means exhaustive, and you should do all your research before buying a car.

5 Inside Tips for Anyone Buying a New Car in 2015

Each year, vehicle designers, developers, and marketers make changes and improvements to models that have been around for decades in order to enhance the driving (or riding) experience. While many new features merely act as marketing gimmicks, there are some new features that can actually be beneficial. If you’re in the market for a new car, the following insider tips will help you narrow down your choices and find the perfect car in 2015.

Search for Technology that Suits Your Needs

Do you live in a major city that offers only the smallest of parking spaces? Where will your new sales job take you this year? Do you spend most of your days driving kids to school, violin lessons, and karate? The main use of your vehicle will help determine what technology to look for when car shopping. One of the most sought after tech features of 2015 is Internet connectivity. Cars such as the new 2015 Audi A3 and brand new Chevy Silverado 1500 both offer a wireless Internet connection. Whether you’re on a long road trip with the kids, or want access to all your files or information remotely, Internet access has many benefits.

For those stay-at-home moms or busy families that are always on the go, cars like the 2015 Kia Sedona SX-L are a great option. Like the Ford Escape, the rear door opens automatically if you approach the vehicle with an armful of bags. Known as the Smart Power Liftgate, similar technology is fast becoming standard on SUV, crossovers and minivans from many auto manufacturers.

Purchase a Car with New Safety Features to Keep Your Insurance Rates Down

If you’re looking to keep your insurance premiums to a minimum in 2015, consider buying a car with exceptional safety features. The 2015 Hyundai Genesis Sedan offers a number of improved safety features that will both save your life and keep your pocketbook happy. The lane keeping assistant, radar cruise control and emergency auto braking feature have all been available on luxury cars in previous years, and Hyundai has now brought them to a car that the average American can afford. Consider these features when purchasing a new car if you plan on driving long distances with your family or friends.

Check New Prices for Luxury Vehicles

Prices have declined for some of the major luxury car models in the past couple years, and this year is no different. A brand new Mercedes Benz C Class Sedan used to come with a sticker price of more than $45,000. Now, middle class consumers can afford an entry level model for less than $39,000. Other new cars, including the Audi A3 and Buick can be purchased for less than $30,000.

Look for New Technology in Sports Cars

Sports cars have come a long way in recent years. If you’re a two door enthusiast, don’t be surprised to find an abundance of technology features packed into your dream ride. The 2015 Ford Mustang is a great example. From an advanced navigation system to an integrated mobile apps feature, this is a prime choice for spontaneous cross-country drivers.

Determine Your Insurance Premium by Purchasing the Right Car

While purchasing a vehicle with new safety features is a great way to save on monthly insurance premiums, you can save even more by researching which car models can significantly reduce the money that comes out of your pocket for coverage. Before you purchase a car, compare insurance rates on multiple models to see which one fits your budget.

2015 will be a great year for new car models, especially when you consider the new technology that will be introduced by many of the brands. When shopping for a new car in 2015, be sure to consider your monthly budget, technology needs, safety preferences, and you’ll be more satisfied with your purchase.

The information for this article was provided by the professionals at Registrations Are Us who offer Spruce Grove license renewal and vehicle registration.

New Car Smell: What to Know Before You Buy

Most people are super excited when they finally get the opportunity to purchase a new car. It’s an opportunity to upgrade and finally get all the features you’ve wanted, but you also have so many factors to think about before you decide. Before you start to budget, here are a few things that you should know before buying a new ride. 

Cost of Insurance

Some car buyers forget to research the cost of insurance. Before signing your name on any paperwork, it is always a good idea to get a quote from your insurance provider. While the insurance for one particular vehicle may cost around $100 a month, the insurance rates for a similar vehicle may be $150 a month. This is a cost difference of $600 a year. Make sure you have all their information before making a final decision.

Long-Term Reliability

The reliability of a vehicle is a very important quality. Although some vehicles will deliver years of trouble-free service, there are others that will need major repair work in the future. Remember, most car warranties last between 60,000 and 100,000 miles. After the warranty period ends, you will have to cover the cost of getting your vehicle repaired. When reading through the reviews for a vehicle, be on the lookout for common problem areas. 


Never go shopping for a car without first developing a budget. If the payments for a vehicle exceed 20 percent of your monthly income, you should seek a more affordable alternative. Some dealerships offer free maintenance for a year, which will help you to save a lot of cash. When outlining your budget, do not forget to factor in the cost of fuel each month. 

VIN Check

If you decide to purchase a pre-owned vehicle, be sure to always check the car’s vehicle identification number. According to Instavin, a VIN check gives you complete access to the vehicle’s history. In the event that the vehicle was involved in a major accident or natural disaster, a free VIN check should reveal the facts. 

Optional Features

Most new vehicles are offered with several optional features. In most instances, the optional equipment will cause the total cost of the vehicle to increase. Luckily, most insurance companies provide discounts for vehicles that are equipped with upgraded safety features. Ask your dealer what is included in the total cost.

Trade-In Value

You may consider trading in your old ride. However, don’t expect the dealership to give you top dollar for your ride. Try placing an ad on Craigslist before attempting to negotiate with the dealership. If the car is not worth much money, you may want to just keep it as a backup vehicle. 

When shopping for a new ride, remember to do your homework before making a final decision. The last thing you want is be stuck with an expensive lemon.