1. Research on the car you want.

Chances are, you already have a good idea of what car you want. If you do, then you must deepen your knowledge about it as dealers and salesmen tend to prey on those who know little.

2. Know the car’s purchase price.

The sticker price is not the market purchase price. You can research for the true market value price or purchase price well in advance so you know how you can go with the negotiations.

3. Arrange your financing options in advance.

Before you go to the dealer’s, try to arrange for outside and better financing. That way, you have more space for finding lower interest rates and better deals.

4. Maximize rebates and discounts.

Manufacturers often provide incentives. They do this with cars which do not have as many sales as other make or models. Be sure to know about the available incentives so you can grab them. Examples of such new cart incentives are cash rebates or even low interest financing.

5. Negotiate the lowest price possible.

Sometimes, we find it acceptable to get fair rates but there are times when we can get them rock bottom. The key is to learn to negotiate and to have leverage on the dealers. You have to remember that you can always walk out a dealership showroom since you are the boss. Start with a low price and negotiate up for a fair price. If you do not like the deal or if you think it is not fair, you can always go to another dealer.

6. Do not be forced to pay for unnecessary extras.

Before closing the deal, a salesman would usually offer you extras. Do not be forced to sign for them. You can always get them later on if you do not feel comfortable in getting the add-ons now.

7. Close the deal and sign the paperwork in a comfy environment.

If you feel intimidated by the dealership showroom or office, then you can always ask the dealership to deliver the car to your home. Here, you can finalize your decision in a more relaxed environment. This is important since buying a new car is a huge investment.

By: Darrell Freeman

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car research

With the bad economy in the last couple of years, there is a glut of seized vehicles the government now has to get rid of. The amount of foreclosures on properties and repo of thousands of vehicles, now more then ever the choice of what type of vehicle you are looking for and the price you can purchase the vehicle for will probably never be better.

Your have a selection of any number of type of vehicles, from all kinds of cars, many of the top name and luxury vehicles are obtainable at these government auctions, all for a fraction of what the retail price was for these vehicles.

Besides the 1000’s of cars available for mere pennies on the dollar, you also have a large selection of SUV’s, again many of the top name and luxury model SUV’s are available.

These government auctions also have all the seized vehicles from the IRS, DEA, and ATF, and many police departments from all over the country.

At the auctions you will have the ability to purchase boats, jet ski’s, ATV’s, and snowmobiles that have been repossess.

The choice of trucks and motorcycles is staggering. Every kind of truck made is available for you to bid on.

The government no longer has the capacity to store the enormous amount of vehicles the now have in their possession. That why now is the time to make a great deal on any car or truck or vehicle you have been wanting to buy.

Bidding can start as low as $100, or less. Many times you can save up 90% off the retail price of these bank and government owned vehicles. You can do you bidding online for any of these vehicles. You can even get information on every state auction coming up.

If you have been thinking of getting another car for yourself or the family, these auctions are a great place to start. When you may need a car for a teenager or a student going off to college there is no place cheaper or a better deal then a government auction.

By: Charmaine Hearn

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You Are Probably Paying Too Much for Car Insurance

There is a very good chance that you do not have the lowest possible rates on highly rated car insurance at this time. I do not want you to give up valuable coverage to save money because that will not save you anything in the long run. But I do want you to be aware of all of the discounts you can qualify for, and to realize that it is fairly easy to comparison shop for car insurance.

Car Insurance Discounts You Should Already Get

Did you know that many car insurance companies offer discounts for simple things you may already do? Have you installed a car alarm or other anti-theft devices on your vehicle? Does your car model have extra safety features? A safe car that is not likely to get stolen will qualify for discounts that many car insurance companies offer. If your own car insurance agent has not mentioned any discounts, maybe it is either time to start asking questions or find another car insurance agent!

Even younger drivers, or drivers who have a spotty driving record can get some help. Many qualified driver safety classes offer a quick and affordable way to cut rates by ten to twenty percent or more. Students, or young drivers usually get hit with very high rates since they do not have a driving history. Their driving history is compared to other young drivers, and that usually puts them in a high risk qualification. However, if students maintain a good grade point average, and take a qualified driving class, they can get a break too!

Compare Local Car Insurance Rates

The internet has made it much easier to shop for car insurance in a couple of ways. First, it has made car insurance companies more competitive because it has become so easy for shoppers to compare car insurance rates on the internet. Since many car insurance companies do a lot of business online, they can also cut their costs of doing business, and pass those savings on to consumers.

Secondly, smart consumers know that car insurance rates depend upon many factors. They depend upon the company rate schedule, but also upon the driver’s age, type of car, location, and driving record. Other factors like credit report, safety features, and anti-theft devices matter too.

Rather than calling around to a half dozen agents or car insurance companies, why not fill out one fast form, and then sit back and let car insurance companies deliver their best rates to you?

By: Marilyn Katz

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