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    10 steps buying a used car

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    apex_4545
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    10 steps buying a used car

    Post  apex_4545 on Thu Jul 09, 2009 11:42 am

    Introduction
    The following steps will tell you how to locate, price and negotiate to buy the used car you want. If you still don't know what car to buy, read 10 Steps to Finding the Right Car for You and then come back after you have decided.

    Step 1: Starting out.
    If you've decided to buy a used car, you've already made a smart decision. You can get a car that's almost as good as a brand-new one, without suffering the depreciation that wallops new car buyers as soon as they drive the car off the lot. Used cars — even those that are only one year old — are 20 to 30 percent cheaper than new cars. But there are other good reasons to buy a used car:
    Buying a used car means you can afford a model with more luxury/performance.

    You'll save money on insurance. The glut of cars coming off lease makes finding a near-new vehicle, or "cream puff," easy. Bigger bargains are possible for the smart used car shopper. Furthermore, the classic reasons to avoid used cars — lack of reliability and the expense of repairs — are less of an issue. Consider these related thoughts:

    - Used cars are more reliable today than ever before.
    - Some used cars are still under the factory warranty.
    - Most new carmakers now sell certified used cars, which include warranties.
    - The history of a used car can easily be traced using the VIN number.
    - Financing rates for used cars have dropped in recent years.
    - If you buy from a private party, the negotiation process is less stressful.

    True, you can't be the first one on the block with the trendiest vehicle. But your consolation will come with the knowledge that you got a great deal and made a smart financial decision. - So read on, as we guide you along the road to used car happiness.

    Step 2: Locating the right used car.
    At the beginning of the car-buying process, many people already have in mind the car they want. But it's a good idea to stop right now and ask yourself: Will this car fit into my monthly budget? We'll explain how to determine what car you can afford in the next step. For now, make sure your choice isn't obviously exceeding your budget. Does it meet my current driving needs? For more on this subject, refer to 10 Steps to Finding the Right Car.It's possible that you need to expand your horizons when considering what to buy. You might want to think of other vehicles in the same class. For example, if you are considering a Toyota Camry you should also look at the Honda Accord, Nissan Altima, or Mitsubishi Galant. These cars were built for the same market, but they often have different features at lower prices.

    Step 3: Used car bargains.
    The cost of a used car is based on its condition, mileage, reliability, performance and popularity. Of course, you want a car that is reliable and performs well. But do you want the same used car everyone else wants? If so, you will pay a premium for it. In some cases, the only difference is the nameplate.How much difference in price separates good-but-popular cars from the good-but-overlookedcounterparts? Two Edmunds.com editors recently shopped in the family sedan class. They found that two-year-old Camrys and Accords were about $3,000 more than comparable 626s and Galants. For more on this subject read "How to Get a Used Car Bargain." If you are adventurous and want to shop for a killer deal, read "Used Car Grab Bag."

    Step 4: Research your prospective used car.
    You will find all the information you need to make an informed decision about what to buy on the Edmunds.com used car pages. The major topics are accessed by clicking the links to the left of the screen that list such information as: prices, standard features, specs and safety, warranties, consumer discussions, photos and video and resale values. A helpful feature is "Car Ratings" which includes a bar graph representing consumer satisfaction with this vehicle. You can also read reviews of the car by current owners.Another essential part of the used car pages is "Price With Options." Edmunds.com has developed a True Market Value (TMV®️) pricing system to act as a guideline when car shopping. By clicking a bar labeled "Customized Appraisal" you can price a used car more accurately.

    This figure is based upon thousands of similar sales across the country. We will go into more detail about how to use Edmunds.com's TMV later.One last vital step to getting a great used car deal: you have to run a vehicle history report on any used car you are considering buying. Several companies sell these reports, which are based on the vehicle identification number (VIN), but Carfax seems to be the most comprehensive. You will find out the vital information about the used car including whether or not it has a salvage title (it has been declared a total loss by the insurance company) or evidence to reveal if the odometer has been rolled back. This is also the time to decide if you want a Certified Used Car. If you do, see our story that describes the certified used vehicle programs offered by each manufacturer.

    Step 5: How much can you afford?
    The smart shopper will consider how to finance the car at the beginning of the shopping process. This will avoid unpleasant surprises later in the game and help you make an unemotional decision that fits your budget.You will need to estimate three figures that will guide you as you go shopping:Monthly payment: If you are going to take out a loan, how much can you afford to pay each month?

    Down payment: How much cash can you put down to reduce your monthly payments?
    Purchase price of the car: Answering the first two questions will help you determine a realistic price range for your used car.

    Once you've determined how much you can spend for a down payment, a monthly payment and the purchase price of the car, print out these figures. Later, in the heat of the moment, when you are negotiating for a used car, you might need to check the card to bring yourself back to earth.

    Step 6: Set up financing for your used car.
    You have three ways to pay for your used car:

    Cash: Need we say more? Money talks — you-know-what walks.
    Financing through a bank, on-line lender or credit union: We highly recommend this route because it will usually save money and give the consumer the most control over the transaction.
    Financing through the dealer: This can work for some people depending on their credit scores and the current interest rates offered. Also, by prearranging financing through an independent source, the dealer may sometimes offer to beat the rate with a low-interest loan.

    Financing through an independent source (on-line lender, bank or credit union) offers several advantages:


    - Keeps negotiations simple in the dealership
    - Allows you to shop competitive interest rates ahead of time
    - Removes dependency on dealership financing
    - Encourages you to stick to your budgeted amount
    - Low interest loans can be arranged online through E-LOAN


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    krullizme
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    Re: 10 steps buying a used car

    Post  krullizme on Thu Jul 09, 2009 11:49 am

    1 lg tips bro..
    biar body terok jnji enjin ok..
    he3..
    enjin nyawa kreta..
    & make sure chasis msh kukuh..kalau dh nak patah mematah, jgn la bli..bhaya utk kegunaan

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