Tuesday, October 29, 2013

How to Use the Nissan Employee Discount Incentive

How to Use the Nissan Employee Discount Incentive

Nowadays car manufacturers are trying to make it easy for family members and friends of their company to buy a new car. Not only does this make the car-buying process easier for employees and their close friends and family members, but it also is a way for the company to give back to the people who have helped build the business. Nissan has a nice and simple employee purchase program, which helps keep their cars rolling out the doors and workers on their floors.

Instructions

Nissan Employee Discount Program

    1

    Call a friend or family member who works for either Nissan or Infiniti and say that you are in the market for a new Nissan and you would like to use his employee discount. Tell him what model you are interested in and when you would like to purchase your new Nissan. The employee program will change regularly, so depending on when you are purchasing or leasing your new Nissan, your discount might be greater or lesser.

    2

    Ask if you can combine current lease or finance incentives along with using the Nissan employee purchase program. Some subvented lease programs are not combinable with any other special offers or discounts, so using an employee program might not be beneficial when getting your new Nissan.

    3

    Have ready, when you get to the dealership, either a current pay stub, company business card or company I.D. when submitting for the Nissan employee purchase program. This will help with getting the appropriate paperwork in order for the dealership to process all of the paperwork. If you are the spouse or other family member of a salesperson, actually visiting them at the dealership will make the process much smoother.

    4

    Choose whether you will leasing, financing or paying cash for your new Nissan and have the discounted price applied to your vehicle. Sign the paperwork and enjoy your new Nissan.

How to Calculate the Fair Price for a New Car

How to Calculate the Fair Price for a New Car

You may have heard that you should never pay the sticker price for a new car because dealers will negotiate a lower price. Often dealers will sell a car for less than advertised but it depends on the car and market conditions. To know when the dealer offers you a fair price for a new car, you need to do some simple calculations.

Instructions

    1

    Subtract the invoice price from the manufacturer's suggested retail price (MSRP). The MSRP, also know as the sticker price, can be found on the information material on the car window at the dealer. The invoice price is how much the dealer paid the manufacturer for the car.

    2

    Subtract the value of any factory to dealer incentives. Often manufacturers will promise to pay dealers a cash amount for each car sold. The amount varies and you can try asking the dealer for it. Several websites list this information too.

    3

    Subtract the amount of any customer rebates to arrive at the dealer's actual cost for the vehicle.

    4

    Add in profit for the dealer. This amount depends on the type of car and the market conditions. In 2010 this was normally anywhere between $500 to $1000. Once you have accounted for dealer profit, you have a fair price for the new car.

Saturday, October 26, 2013

How to Buy a Used SUV

As automakers continue to push leased vehicles on consumers, the pool of quality used cars continues to grow. Buying a used car is both economical and prudent, but only as long as you do your homework and choose a car that is right for you.

Instructions

    1

    Research the different types of SUVs. Determine what suits your needs; you should look, among other factors, at size, performance ability and utility. You can consult one of the sites referenced below.

    2

    Pick either a car-based or truck-based SUV. Most models are based on one of the two types of platforms. The car-based platform usually has better handling and a more comfortable ride, and is more luxurious. Car-based SUVs can be used for some mild off-roading and can come in four-wheel drive, but they are not designed for the more challenging off-road situations. The truck-based platform is usually designed with more towing capacity and, in a four-wheel-drive model, can usually handle the more challenging off-roading situations. However, generally the handling and ride is more cumbersome than that of a car-based platform.

    3

    Evaluate the engine, transmission and performance capability. Most SUVs offer six-cylinder transmissions, along with a V8 capacity if needed. You will also need to pick between two-wheel or four-wheel drive. Depending on your fuel economy needs, how you will use vehicle and your desired towing capacity, choose the engine type and power you will need.

    4

    Evaluate your space and size needs. Cargo capacity, seating capacity and accessibility are all important factors when choosing your SUV. Many models offer a third-row seat for more seating capacity, but that usually compromises cargo capacity. Many third-row seats fold down, but the accessibility may be difficult. When evaluating the different models, make sure you attempt to enter and exit all the seats, and try folding down the seats to check on the difficulty of adjusting them. Some models offer a split design that will allow you to have one seat folded down while the other can still handle a passenger.

    5

    Check the safety features and history of the SUV. Many SUVs are prone to higher rollover rates than cars. Due to the size of the vehicle, many drivers may have more difficulty maneuvering an SUV than a car. Check on all features available, such as airbags, stability control, alert systems to assist in parking, child latch systems and any standard monitoring features that are offered.

    6

    Analyze the SUV's history. Purchase a Carfax report to ensure that the car has not been totaled, salvaged or under water (see References).

How to Find a Chrysler Mini Van to Lease

Finding a new Chrysler Minivan to lease is easier than ever with the amount of information readily available with today's automotive websites. You can become an informed and savvy consumer in no time with a little bit of research. The biggest problem you'll have is choosing which color you would like your new Chrysler minivan in.

Instructions

    1

    Get online and research color combinations, options and trim levels for your new Chrysler Minivan. You can build out your vehicle with your exact specifications and email local dealers to try and find your vehicle for you.

    Try to be flexible on color when looking for your new Chrysler Minivan lease. Pick at least three to four exterior color choices to give yourself the best chance on finding a vehicle with the specific options you are looking for.

    2

    After you've finished building out your Chrysler minivan online, print it out so that while you begin your search you can have everything right on hand. Having a printout of the exact vehicle you want will keep you on track while you begin your shopping process.

    3

    Search websites to locate dealers that have the specific vehicle that you are interested in. It is also a good idea to call local dealerships and ask to speak to either the Internet Sales Manager or Fleet Manager and tell them what you are looking for.

    4

    If you do not have computer access or a telephone, you can also visit your local dealership with your specifications for your Chrysler minivan and ask them if they have the vehicle in stock or if they can locate it at another dealer. Dealership personnell should have access to the inventory of all Chrysler stores and be able to tell you where the Chrysler minivan you are interested in is located.

Vortec Specs

Vortec Specs

The premier power train for General Motors, or GM, is the Vortec engine. The word "Vortec," according to GM, comes from the word vortex and was first used in GM's 4.3-liter V-6 engine. Its designers created a vortex inside the engine's combustion chamber to improve the mixture of air and fuel in the combustion process. The Vortec engine is designed for power and efficiency. The Vortec family of power trains powers the following GM cars: Buick, Cadillac, Chevrolet, Hummer and GMC. The engine comes in six sizes and powers all of GMs trucks and SUVs. GM is currently manufacturing the fourth generation of Vortec engines.

Vortec 5300 LH6

    A fourth-generation Vortec, the Vortec 5300 LH6 is a 5.3-liter V-8 small block truck engine that is produced in four variations; two iron block engines and two aluminum block engines. The LH6 first appeared in 2007 and is rated at 315 hp (horsepower) at 5,200 rpm with 338 ft. lbs. (foot-pounds) of torque at 4,400 rpm for all GM truck applications. This engine is used in the Silverado, GMC Sierra, GMC Envoy and the Chevy Trailblazer. It has a cast iron block with a cast aluminum head. It also has overhead valves (OHV) with two valves per cylinder. It comes with Fuel Active Management, a computer that turns off certain cylinders during cruising situations to conserve fuel and automatically restores all cylinders when the engine comes under load. The engine receives 14 mpg (miles per gallon) in the city and 19 mpg on the highway.

Vortec 6000 L76

    A fourth-generation Vortec with a debut in 2007, the L76 HO 6000, or Vortec Max, is the engine's high-output version. The 6.0-liter V-8 engine was originally made for GM trucks. The engine appears in the Chevy Yukon, Suburban, Sierra and Silverado. The L76 features 367 hp at 5,600 rpm, with 375 ft. lbs. of torque. It is an OHV engine with a cast aluminum head and two valves per cylinder. The maximum engine speed stands at 6,000 rpm and it takes regular unleaded fuel. The engine employs Active Fuel Management and receives 14 mpg in the city and 19 mpg on the highway.

The 6200 Vortec L9H

    Another fourth-generation Vortec, the 6200 Vortec L9H comes to play with even more power for GM trucks like the Cadillac Escalade, the Silverado 1500 and the GMC Sierra Denali. The engine rates 403 hp at 5,700 rpm with 417 ft. lbs. of torque. The L9H sports variable valve timing, which was a first back in 2007 for a non-overhead cam V-8 engine. The engine employs sequential fuel injection and has the option of using E85 or regular gasoline. This engine receives 13 mpg in the city and 19 on the highway.

How to Check the Undercarriage of a Car for Dents

How to Check the Undercarriage of a Car for Dents

There are a few things you need to do before you buy any used car. One is to get a car report and find out about major accidents in the car's history. The other is to inspect the car thoroughly before you drive it off the lot. This car inspection includes checking the undercarriage for dents. Important car parts such as the oil pan are located here, and if there are dents in the car undercarriage, it is one sign the car is not in perfect condition.

Instructions

    1

    Inspect the side rails along the underside edge of the doors by hand to begin the inspection process. Feel along the edges of the undercarriage of the car to see if there are dents, cracks, dings or nicks in the metal here. Also, look for missing pieces of metal.

    2

    Lie down on your back on the ground and shine a flashlight up under the car, if it is not possible to jack the car up onto a lift. Carefully inspect the undercarriage from this vantage point for dents, damage and gouges in the undercarriage. Perform this check on both sides of the car.

    3

    Check the undercarriage with the flashlight from the front and back sides of the car, while lying on the ground as well. Make sure you get into a position where you see the oil pan (a round part about the size of a dinner plate), as well as the underside of the floor and engine compartment.

Friday, October 25, 2013

The Specifications for a 2007 Pontiac Montana

General Motors produced the 2007 Pontiac Montana minivan. which enjoyed a production run from 1998 to 2009. Sales of the Montana ended in the United States in 2006, though production continued in Canada and Mexico. All Pontiac cars ceased production in 2010.

Engine

    The 2007 Pontiac Montana is equipped with a 240-horsepower, 3.9-liter V6 engine that generates 240 foot-pounds of torque. Torque provides the minivan with quick acceleration. A four-speed automatic transmission matches the engine. The Montana's towing capacity is 1,995 lbs.

Dimensions

    The 4,197-lb. seven-passenger, four-door Pontiac Montana is on a 113-inch wheelbase and is 190.9 inches long. It is 72 inches wide and 70.5 inches tall. The trunk area has a 17.69-cubic-foot storage capacity.

Chassis

    The Montana features a front-wheel-drive configuration with an anti-locking braking system and four-wheel disc brakes. It's equipped with independent front suspension and semi-independent rear suspension.

Features

    Standard equipment on the 2007 Pontiac Montana includes air conditioning, power doors, locks and mirrors, cloth seats, an AM/FM stereo system and driver and front-passenger air bags.

Tuesday, October 22, 2013

How to Lease an AF Mini Cooper

If you're looking for a small, stylish car to drive around town, the AF (Alexander Fraser) Mini Cooper might be right up your alley. However, you're going to want to make sure you're getting the best deal possible, especially if you plan on leasing the car. Leasing an AF Mini Cooper won't be too tricky. You just need to know a few tips ahead of time.

Instructions

    1

    Find an AF Mini Cooper dealer near you by typing your zip code into the company's official website.

    2

    Test drive the AF Mini Cooper and make sure you are satisfied with its performance before you start discussing financial plans with the dealer. An AF Mini Cooper is quite a small car, so make sure you are certain that it will provide everything you need out of a car.

    3

    Decide how long you want the lease to last. Ask the dealer how much it will cost if you are interested in buying the car after the lease has run out.

    4

    Discuss leasing options with the dealer. Keep in mind that the more money you pay upfront, the less money you will have to pay monthly. Make sure that leasing is the best financial option for you at the time. A new 2010 AF Mini Cooper costs around $20,000, so if there is a chance that you might purchase the car after the lease is finished, you may want to consider just buying it instead.

    5

    Ask for detailed information on how much it will cost you to repair damage on your AF Mini Cooper after the lease is up. Some plans are stricter than others on paying for wear and tear that the car has suffered. Make sure that you're not going to get ripped off when your lease is up.

How to Title a Car as a Gift to a Child

How to Title a Car as a Gift to a Child

Sweet 16 is a hallmark age for most children, not so much for the possibility of a kiss anymore but for a driver's license instead. A driver's license and a car are tangible expressions of independence. It can be very tempting to give a car to a teenager, but deeding a car to a minor can be quite complicated.

Instructions

    1

    Consult your state's department of motor vehicles. Laws vary from state to state regarding minors owning vehicles. A title is considered a legal contract; some states don't allow a minor to have his name on a deed.

    2

    Ask your state's licensing agent about options. Some car dealerships will allow a parent and child to co-sign a sales agreement so that both names can be on the title.

    3

    Consult the insurance agency the child will be using. Legal agencies don't always verify the ages of a name before issuing a title, but insurance companies do. Many insurance companies will not sign a minor without an adult's signature, too.

    4

    Exercise patience if your state won't allow the minor's name to be on listed the title. As the owner, you may allow the child to drive the car as a gift until he turns 18. At that time you and the young adult may visit the county licensing agency to transfer the title to its new owner.

How to Negotiate the Purchase of a Used Car

Buying a used car can turn into a hassle. Who owned it before? Was it involved in an accident? Is this the actual mileage? With a few easy steps, you can be on your way to getting into the used car of your dreams and be able to sleep at night knowing you got a good deal and a great vehicle.

Instructions

Negotiating a Price you love for a Used Car

    1

    Information is your Samurai sword in the battle for negotiating a used car price. What are comparable vehicles selling for in your area? Has the vehicle ever been in an accident? How many of that specific make and model are available in your area at the moment? All of these things can be used to get the price down to where you want it to be.

    2

    Do your research. Use websites such as AutoTrader.com, Craigslist.com, Cars.com and CarMax.com to see what comparable cars are selling for in your area. You can use this information whether you decide to buy from a private party or from a dealership. If you can find similarly equipped vehicles for a few thousand dollars less, show these numbers to your prospective seller to make sure you aren't being overcharged.

    3

    CarFax, CarFax, CarFax. This is probably one of the most important things you can do now to ensure you aren't putting yourself into a lemon. Most dealerships will already have their own mechanics go over the vehicle and make sure there are no huge issues that haven't been addressed on the vehicle. If you see that the car had three or more owners in a short period of time, this might be a red flag that the car is problematic. You still may want to consider a multi-owner pre-owned vehicle, but you can use this to get the price down from your prospective seller. Also, if you are buying from a reputable dealership, they should have no problem providing you with a free CarFax report.

    4

    Get pre-approved from your bank or an outside lender. This can often help you save on finance charges if you plan on financing the vehicle over a few years: dealerships love to make some extra cash charging you higher interests rates. It's always good to ask the dealerships what rates they can offer you as well as get your pre-approval, so you will have more options.

Sunday, October 20, 2013

How to Buy Repo Cars

How to Buy Repo Cars

When it comes to needing to buy a repo car-your opportunities to purchase are close to limitless. There are many reasons a car can be repo'd, from abandoned cars to cars confiscated by the police or other government agency. And repo cars seem like one of the best deals going. This article will illustrate how to buy one.

Instructions

    1

    Check all nearby police jurisdictions close to you to locate and buy repo cars. Typically these repo cars are sold in the form of an auction at specified intervals, but assuming you live nearby several towns and jurisdictions-repo car auctions are usually handled seperately by these authorities.

    2

    Locate federal agencies that also offer repo cars. Generally federal government facilities will contract out to online sites. So you will easily be able to register and participate in this ebay type of auction. Pay attention to all the rules in terms of payment and pick up.

    3

    Inquire at smaller banks in regards to how they sell their repo cars. At smaller financial institutions you may be able to buy repo cars from them directly.

Friday, October 18, 2013

How to Decide Which New Car to Buy

Buying a new car is an important step for anyone who has to watch their budget. You want a car that you will like. It's an important search, because a car is a long-term commitment.

Instructions

    1

    Do some shopping around by visiting local car dealerships in your area and compare prices. Research online and narrow your choices to just a few. Don't let the salesperson talk you into buying a car you don't want.

    2

    Buy car magazines to see what is the current trend and style. Find out what kind of mileage you can get from the car, how much horsepower the car has and how long it may last.

    3

    Rent the exact car from a rental agency to get a feel for how the car will drive. Keep it for about a week. Look at it while it is parked in your driveway. Does it feel right? Be honest in your answer.

    4

    Test drive the vehicle.

    5

    Don't buy in a rush. Be relaxed. Don't let fear or intimidation overtake you. Take time to be comfortable about what you have learned. Take as much time as you need to make the right decision.

Thursday, October 17, 2013

Nissan LEAF Specs

In August 2009, Nissan announced the new LEAF, an electric vehicle, also known as an EV. The Nissan LEAF is a 100 percent electric, zero-emission, five-passenger hatchback, designed for the 2010 mass consumer market in the United States, Japan and Europe, and to be globally marketed in 2012, according to the Nissan website. Without an engine, LEAF owners have the added benefit of being free from engine noise.

Battery/Range

    The Nissan LEAF stores power in a laminated, compact lithium-ion battery pack -- located under the floor -- making the LEAF one of the first to use this advanced battery technology. Lithium-ion batteries offer more powerful acceleration with a range of about 100 miles, which is better than the comparably-sized nickel-metal hydride batteries. Batteries can be charged at home in four to eight hours with a specially made 220-volt charger. Commercial quick-charge stations can do the charge in 30 minutes. Energy efficiency of the LEAF is 99 mpg in combined city and highway driving, according to the Edmunds.com website.

Drive Powertrain

    The front motor, front drive powertrain has no tail pipe and therefore, does not release emission into the environment. The 24 kWh lithion-ion battery feeds the 80-kilowatt, high-response synchronous electric motor, and provides a 107 horsepower output with 207 foot-pounds of torque.

Safety/Braking System

    Safety features include front side airbags, side curtain airbags and stability and traction controls. Maximum speed of the LEAF is 86 mph. Anti-lock brakes are a standard feature on the LEAF.

Exterior Size

    Exterior size of the LEAF measures 175 inches in length, 69.7 inches in width, 61 inches in height, with a wheelbase of 106.3 inches. Maximum seating capacity in the LEAF is for five people.

Trim Levels

    The 2011 LEAF is available in two different trim levels offering many standard features. The SV level has standard equipment which includes upholstery made with recycled materials, a navigation system, long upslanting LED headlamps, a keyless ignition and entry, cruise control, 16-inch alloy wheels, automatic climate control, adjustable driver seat, tilt-only steering and 60/40 split folding rear seats. The SL level offers a spoiler-mounted solar panel and rear-view camera, according to Edmunds.com.

IT System

    Also standard is the LEAF's zero-emission, exclusive IT system connected to a global data center. The IT system offers round-the-clock support, entertainment and information. Monitor displays on the dash show remaining electrical power and locations of nearby charging stations. Cell phones can be used to set charging functions and turn on air-conditioning. Battery recharging can be preprogrammed with an on-board remote control timer, according to Nissan.

Tuesday, October 15, 2013

What Is a Bonded Motor Vehicle Title?

Titles issued by the state indicate a car's legal status and record of ownership. However, you may purchase a vehicle that doesn't have a title. To prove ownership, you must apply for what most states refer to as a bonded title.

Significance

    Bonded titles, or surety bonds, require assurance that the car you bought doesn't have a problematic background and serve to protect the issuing state from future hassles. If someone later comes along and claims they still own the car you want to title, the bond pays for the state's insurance deductible.

Features

    Antiques and rebuilt vehicles, personal imports and even homegrown motor vehicles qualify for bonded status. If you simply walk into a dealership, or buy from an individual, you normally won't need this kind of title.

Considerations

    Should you buy a car with no title or are given one, make sure you have proof of that, or at least contact info for the person who gave you the vehicle. The state then runs a check to verify the car isn't stolen or has any liens on it, so the VIN must be intact and traceable. Cars from out of state may require lengthier processing since the Department of Motor Vehicles needs to contact authorities elsewhere.

Cost

    States assess the value of the car you're trying to title based on prevailing market prices. Then, the state requires you put down a deposit on top of other titling costs in relation to the car's value, often time and a half market price. But don't worry, the actual bond averages at about $100 for a passenger car.

Misconceptions

    Bonded titles don't limit your ability to sell the car nor impact its record, as in the case of liens. The bonded status also has a time limit on it--usually 3 years. Most states do not sell bonds directly. You'll need to go to an insurance agent or currency exchange. Finally, bonded titles are not exclusive to any one state; almost every state can issue them.

Potential

    Bonded titles work in your favor. Since you don't have a title at the start, previous ownership remains uncertain. Should someone sue you for ownership of the car and win, the bonding entity pays for any associated costs.

Auto Leasing Tips

Automobile leasing is a popular option for some new car shoppers. Leasing offers lower payments. And consumers can get a new car every few years and always drive a vehicle under manufacturer's warranty; eliminating the chance of large out-of-pocket repairs. Following a few simple guidelines will help you find an auto lease that is right for you.

Check Residual Values

    A vehicle's residual value means how much the car or truck will be worth when the lease ends. Since consumers pay only for depreciation when leasing, vehicles with excellent resale values generally will be more affordable to lease. Residual values are represented in percentages reflective of the original Manufacturer's Suggested Retail Price, or MSRP. A vehicle with a two-year residual of 69 percent and an MSRP of $19,995 would have a lease-end value of $13,796. Check automobile residual values by using resources such as Automotive Lease Guide or Edmunds.com

It Pays to Negotiate

    Car dealers like to lease vehicles because that allows them to close the deal based solely on payments, rather than negotiating on price. Most shoppers do not realize that there also is a "sale price" involved in leasing a vehicle. This is called the cap cost. While the residual is based upon the vehicle's MSRP, your payment is based on the cap cost and the residual value. So, negotiate the cap cost in the same way you would negotiate the purchase price of a vehicle.

Pre-Pay for Extra Mileage

    Not allowing for a high enough mileage allowance can be costly in a lease. Over-the-limit mileage fees often run up to 25 cents a mile. This amount usually must be paid at the time the vehicle is turned in. Giving yourself extra room for mileage upfront can save hundreds of dollars in the end. If you normally drive 12,000 miles a year, choose a lease that allows for 15,000 miles a year. You won't get the extra money back if you don't use the mileage, but it is much more cost effective than going over your mileage limit and paying the fee.

Sunday, October 13, 2013

How to Buy a Car in China

How to Buy a Car in China

If you are living in China for an extended period of time, you may consider buying a car in China for your personal use. Both domestic and imported, as well as used and old, exist in the Chinese car market. The bureaucratic procedures involved with buying a car in China, however, may be complicated to someone buying a car for the first time. By following a few steps, those unaccustomed to buying a car in China may get through the process trouble-free.

Instructions

    1

    Purchase a car, which may be done at either an authorized dealer (especially with new cars) or by checking the classified sections of local newspapers. If your level of Chinese is limited, then consult the classified sections of expatriate-oriented websites, which often post car ads in English. Be sure to obtain a sales invoice for your purchase, as this will be needed for the registration of your car.

    2

    Obtain motor vehicle insurance and third-party insurance for your vehicle, which are required before the car can be driven legally . All insurance is purchased from your local branch of the People's Insurance Company of China.

    3

    Purchase a license plate for your car from the local license plate office in your area. License plates are auctioned off by the government and may cost as much as $5,000 in cities like Shanghai. You will need to provide a sales invoice for your motor vehicle, your residence permit and insurance information.

How to buy a new car for less than the sticker price

How to buy a new car for less than the sticker price

Buying a car can be an intimidating process, especially when it comes to negotiating the cost. Consumers who do a little research before heading to the car dealership can be better equipped to effectively negotiate a lower price for the car and potentially even get a car for as little as half the original sticker price. There are a few things to know before negotiating the price of a car. Bring a calculator, pencil and paper with you to the dealership so you can make your own notes and calculations.

Instructions

    1

    Look at online auto retailers such as Autos.com, Cars.com and AutoTrader.com. Do a search on the make, model and year of the car in which you are interested and write down the prices. These prices are often lower than the sticker prices at dealerships, so you can buy the car from the online retailer and arrange to pick it up at a nearby dealership. Alternatively, write down the price on the car from the website and take that with you to the dealership to negotiate a similar or even lower price.

    2

    Visit the Kelley Blue Book website at KBB.org and look up the car in which you are interested. Kelley Blue Book will provide pricing guides for current market value and can be a valuable resource in determining the actual value of a car. It can also be a good negotiating tool at a dealership that is charging more (often much more) than the price listed with Kelley.

    3

    Note the "sticker price" of the car, which is the price posted on the car at the dealership. The dealership most likely bought the car for far less than this price, due to dealer incentives from the automaker as well as possible automaker refunds. If the dealership offers you the car "at cost" for the sticker price, it is still making a profit, so don't be swayed by any arguments that you're getting a great deal if you buy at that price.

    4

    Look at the second window sticker that lists additional costs, including fees, charges, and costs for dealer-installed options. These are all negotiable and can potentially be deducted from the cost of the car.

    5

    Ask the dealer about factory rebates, typically 1 to 3 percent of the sticker price, which usually goes to the dealership after the car has been sold but can be given to the buyer. Request that the factory rebate be deducted from the cost of the car. Inquire about factory-to-customer rebates as well.

    6

    Inquire about discounted loans, which can save considerable money over the lifetime of the loan. Note that many dealerships will not offer discounted loans in combination with rebates, so consider which one will save you money over time. A discounted loan may save more money overall than a rebate, but it will require a larger downpayment.

    7

    Be willing to walk away from a deal and always shop around before settling on one price. Take the offer from one dealership and go to another one to see if it can do any better. A little friendly competition usually works in the consumer's favor. In addition, start your offer below what you are actually willing to pay in order to be able to compromise with the dealer.

Friday, October 11, 2013

How to Buy an Older Car

Some people may buy an older to save money; however, the term "older" may differ by definition when it comes to purchasing a vehicle. Assuming that you want to purchase a cheaper car that you can pay for with cash, you'll have to take extra steps to safeguard yourself against mechanical problems. If purchasing a vehicle from a dealership that does not come with a warranty, the vehicle must at least pass state inspection requirements.

Instructions

    1

    Start your vehicle search online. Go to local dealership websites to view inventory or stop in to physically see the cars. Go to the All of Craigslist or eBay Motors website for more classifieds options.

    2

    Shop until you find a vehicle that you like. Test drive it on a highway, a windy road and a rough road to determine whether or not there are sounds or mechanical issues that you can identify. Also, test the vehicle's pick-up by accelerating on the highway or driving up a hill.

    3

    Check for error lights in the dashboard. There should not be any lights on, such as; SES, Check Engine, ABS or the airbag light. These issues can prove costly to repair.

    4

    Go to a mechanic with the vehicle. Make an appointment to bring the vehicle in for a full inspection. Work with the seller to arrange for a time to bring the vehicle in to the shop. This way, your mechanic can put the vehicle on a lift for proper inspection.

    5

    Read the vehicle's title. There should be no lien-holder listed on the title. If the vehicle is titled as a salvage, call your state's Department of Motor Vehicles to find out which additional paperwork you need to transfer ownership--the process differs by state.

    6

    Pay the seller for the vehicle. If you're buying privately, you'll have to complete your DMV paperwork as soon as possible. If purchasing from a dealer, your dealer representative will handle the DMV paperwork for you.

    7

    Arrange for a ride back to your newly purchased car after you've completed your DMV paperwork (for a private sale). Put your plates on the car and store your registration and insurance information inside of the vehicle, as required by most states.

Thursday, October 10, 2013

How to Bargain With a Used Car Salesman

How to Bargain With a Used Car Salesman

Buying a used car can be time-consuming and stressful. It may be difficult to know which one car is right for you, especially if the used car salesman is pushing you to buy a car you're not sure you want. Luckily, you can negotiate with a used-car salesman to ensure you get a car at a fair price.

Instructions

    1

    Do your research. Having facts to back you up increases your chances for a successful negotiation.

    2

    Avoid getting attached to a certain car, and don't let if show if you do. Tell the used-car salesman that you are ready to buy that same day if you both reach an agreement on price. If the salesman believes you are serious and ready to buy a car that same day, he is more likely to give you a fair deal. Remain calm, casual and as if you can walk away at any moment.

    3

    Make an offer slightly below the true market value of the car. Stay quiet and wait for the salesman's response. Raise your offer to the true market value if the salesman makes a counter-offer. Do not give up on your offer too quickly. Get up and look at other cars if the used-car salesman needs to speak to his manager. Try to act indifferent, as if you know you'll get that price at another dealership if the salesman is unwilling to work with you.

    4

    Review all paperwork once you have agreed on a fair price and before signing. Make sure the used-car salesman hasn't added on anything you don't want, such as an extended warranty. Read the dealership's terms of financing carefully if you are going that route.

2008 Dodge Dakota Vs. 2007 Dodge Dakota

The 2007 and 2008 Dodge Dakota were two of the model-year entries for the third and last generation of production for this mid-size pickup truck, which lasted from 2005 to 2011. However the 2008 received, along with a styling refresh, a few component upgrades to set it apart from its immediate predecessor.

Trims

    The 2007 Dodge Dakota had three main trims: the base ST, the middling SLT and the top-level Laramie. The 2008 Dakota added three more trims to create the following order of ascending value: the ST, SXT, SLT, TRX, Sport and Laramie. From these trims were variations, primarily based on drive train type and cab size.

Engine, Transmission and Fuel Economy

    The 2007 Dodge Dakota received a 3.7-liter 210-horsepower V6 engine, with three optional 4.7-liter V8 engines that had 230, 235 and 260 horses. With the 2008 Dakota, the three engines were replaced by one that had 302 horses and made standard for the top-level Laramie trims. The choices of transmission--four-speed automatic overdrive, five-speed automatic overdrive and six-speed manual overdrive--remained unchanged. So did the fuel economy: the 2007 and 2008 Dakotas consistently got between 14 to 16 miles per gallon (mpg) for city driving and between 18 and 22 mpg for highway driving, depending on the type of trim and transmission.

Interior Features

    Standard interior features that all the 2007 and 2008 Dodge Dakota trims shared included anti-lock brakes, driver and passenger airbags, A/C system and stereo system with an AM/FM/CD player. The 2008 Dakota, however, added tire inflation/pressure monitors, and the trip computer was made standard on the Laramie Crew Cab 4WD--a feature that was not made available on any of the other 2007 and 2008 trims.

Exterior Features

    While all the wheels of the 2007 Dodge Dakota trims were 16 inches, the Sport Extended Cab 2WD trims of the 2008 Dakota had 17-inch wheels and the SXT Crew Cab 2WD had 18-inch ones. Also, rear spoilers were standard on all 2008 trims while they were not made available at all for those of the 2007 vehicle. However other exterior features, such as deep tinted glass and interval wipers, were standard on all 2007 and 2008 trims.

Price Range

    The original manufacturer's suggested retail price range of the 2007 Dodge Dakota was $23,620 to $29,720. The 2008 model's was $24,720 to $32,135. As of 2010, according to auto valuation publication Kelley Blue Book, the price value range of the 2007 Dakota is between $11,000 to $14,000, and the 2008 is between $13,000 to $17,000.

Wednesday, October 9, 2013

How to Find a Used Car for Sale

How to Find a Used Car for Sale

Finding a used car can be one of the most overwhelming endeavors because so many people and businesses are trying to unload used vehicles. But because there are so many sellers, buyers can find great deals for used vehicles online, in the paper, at local car dealerships or at auction. To start hunting for a used car, know what type of vehicle you want and how much you can afford to spend.

Instructions

Cars for Sale

    1

    Go online to Craigslist.com or the classified section of your local newspaper to find a listing of used automobiles for sale. On Craigslist, start searching for a used car by clicking on the appropriate city or region, and then clicking on "Cars+Trucks" under the "For Sale" section. You can limit your search by entering the type of car you are seeking; for example, a Honda Accord, and the minimum and maximum dollar amount you want to spend. Newspapers usually have their vehicles listed by the car manufacturer or type of vehicle, such as "Truck."

    2

    Visit auction sites such as Ebay. Before bidding on a vehicle, make sure you have read the full description of the car, emailed the seller any questions about the vehicle, and checked the seller's ratings and comments. Also, understand the value of the vehicle by going to KBB.com and researching how much similar vehicles sell for in the area so you don't get caught up in a bidding war that results in overbidding. Look for vehicles that are local. Visit a local seller and test drive the vehicle before bidding. If bidding on a vehicle that is far away, include the charge to ship the vehicle in the final price.

    3

    Find local car auctions. You can look up car auctions in the phone book, or look them up in the paper or on Craigslist because many advertise in these places. Make sure to arrive early to inspect the vehicles before the bidding begins.

    4

    Look in your local paper or auto trade magazine. The classifieds are a common place for sellers to post their used vehicles. Auto trade magazines can be picked up in grocery stores or convenient stores and list used cars in your area.

    5

    Go to local used car dealerships. Every town or city usually has multiple used car dealerships. To find local used car dealers, browse through the phone book or even look for car dealers on Craigslist, by selecting "cars & trucks--by dealer" from the drop-down menu in the search criterion box.

    6

    Visit new car dealerships. New car dealerships will often have used vehicles that they have accepted on trade-in. Some dealerships also have certified used cars, meaning that vehicle received a dealer-certified inspection and has been verified to be up to a certain standard or received maintenance work to bring it up to a certain standard.

    7

    Drop in or call local tow yards or salvage yards. Tow yards usually have used vehicles for sale because many owners can't afford to pick up their vehicles. But be careful: Tow yards usually don't allow a potential buyer to do anything more than turn on the car; test driving is usually out of the question. And many owner's have their vehicle towed because their is a problem with the vehicle. But some vehicles, may be towed because of parking tickets or parking in a "No Parking " zone. Make sure to include the potential cost of paying off such additional fees as tickets when registering the vehicle.

    8

    Drive around the neighborhood. Used vehicles can often be found by just driving through the neighborhood. Private owners often post "For Sale" signs on their vehicles. Also many neighborhoods have a lot or street that many owners use to park the cars they have for sale.

    9

    Ask friends and family. Because so many people are selling their used vehicles, a friend or family member may know someone who is selling a car or might be selling a vehicle themselves.

Monday, October 7, 2013

How to Lease a Vehicle With No Money Down

How to Lease a Vehicle With No Money Down

Leasing is an attractive option to drivers who like to be in a new car every few years. Vehicle to vehicle, lease payments are always lower than payments on a vehicle you buy, assuming both are identical. Most vehicles can be leased with the only out-of-pocket expenses such as sales tax, title, bank and motor vehicle fees. Unlike the purchase of a vehicle, leasing usually involves fewer negotiations. However; you should still negotiate price, monthly payment and money down. Another negotiable factor is the length of the lease which can affect the monthly payment.

Instructions

Find the Vehicle You Want and Negotiate

    1

    Find the vehicle you like. Most manufacturers have leasing programs on their website so that you can gauge what the monthly payment will be. Print the information from the dealer's website so when you go to the dealer you can negotiate intelligently. Know where to start your negotiations or at least be able to do your math to figure out your payment with more or less money down.

    2

    Test drive the vehicle that you want to lease, and be prepared to lease if the terms are agreeable. Your best negotiating tool is your readiness to buy. Keep in mind when leasing, every $1,000 down equals about $30 a month in your payment. And remember, leasing terms are not set in stone. Other leasing options include purchasing more miles per year for the duration of the lease or a longer or shorter term for the overall lease period. You monthly payment will change based on what terms you agree to.

    3

    If you decide you do not want to put any money down, let the salesperson know from up front. You should be able to figure out your payment based on the formula discussed in Step 2. Make sure you know what price your salesperson is basing the lease off of. Most of the time it will be MSRP (Manufacturers Suggested Retail Pricing).

    4

    You should try to negotiate the best price price you can, working down from the MSRP.

Tax Tips on Buying a Used Car From a Dealer

Tax Tips on Buying a Used Car From a Dealer

Many consumers are distraught to find out they must pay tax on a used vehicle. The general idea is that full taxes have already been on the car and should not be paid twice. Unfortunately, that is not how it works. States collect sales tax on a vehicle each time it changes hands and that isn't likely to change. Despite this, there are ways to reduce your tax liability and protect yourself from being overcharged tax on a used vehicle

Sales Tax Tips

    Paying sales tax on any vehicle -- new or used -- is unavoidable. Take certain steps to ensure you are paying the correct amount.

    Despite their shady reputations, most used car dealers are decent people who try to do the right thing. Unfortunately, there are some bad apples in the mix, as with any industry. Although it is uncommon, some dealers take advantage of consumers when collecting sales tax. In this situation, the dealer overcharges you for the sales tax, pays the state the correct amount and pockets the leftover. This is not only an injustice, it is illegal -- tax fraud is serious business.

    Protect yourself on your next used vehicle purchase by knowing your state and county sales tax up front. Do the math to determine if the dealer is charging the correct amount.

Trade-In Tax Credit

    Most states offer a tax credit on your trade-in. Although the exact structure varies from state to state, the general rule is that you only pay taxes on the price difference between the vehicles, rather than the entire price of the vehicle you are purchasing. This usually applies to used cars as well as new. Some exceptions are Ohio (new only), California, Michigan and South Carolina. Check the laws in your state for clarification.

    If your state offers a trade-in tax credit, reconsider selling your old vehicle and think about trading it in instead. Sure, you may be able to get an extra thousand or two by selling it, but once you combine that with the headache of selling a vehicle and the timeframe, trading in can be an excellent option.

    As an example, use a trade-in vehicle with a value of $7,000. If the used car you are purchasing is $10,000 and your tax rate is 9 percent, you would pay $900 in taxes when purchasing the used vehicle. By throwing your trade-in into the mix, you reduce your taxable value to $3,000 and cut your tax liability to $270.

    Since tax is calculated on price rather than value, negotiating the lowest price will not only save you on the purchase price, it will save you on taxes. The same principle applies to your trade-in.

Friday, October 4, 2013

How to Compare New Car Prices for the Best Deals

How to Compare New Car Prices for the Best Deals

Compare new car prices, rebates and incentives online at the manufacturer's website to find the best deals. Also, contact a local dealer to ask about other discounts aside from those offered by the manufacturer.

Price

    Visit the manufacturer's website to view the manufacturer's suggested retail price (MSRP), rebates (money off the MSRP provided by the manufacturer) and financing incentives for the makes and models you're interested in. Financing incentives include promotional rates like 0 percent or low rates that local lenders cannot match. Local dealers' websites will indicate any additional discounts.

Comparisons

    Review the MSRP and incentives on the manufacturer's website for each make and model of vehicle you want to compare. Print or note your results for comparison. Visit dealers' websites to compare discounts aside from the manufacturer's site pricing. Some dealer websites advertise additonal discounts off of the MSRP without the need for negotiations. Informational websites such as Edmunds.com provide pricing information on vehicles, including the dealer's price for the car, also known as invoice pricing.

Misconceptions

    Contrary to popular belief, attractive rebates on the manufacturer's website or in dealer advertisements do not include discounts from the dealer. The dealership receives the amount of the rebate back from the manufacturer. For example, if you take advantage of a discount like $4,000 in rebates and a 0 percent interest rate, the dealer is still making full profit on the vehicle. Negotiate from the dealer's price after manufacturer rebates and incentives, not from the sticker price posted on the vehicle.

Time Frame

    When comparing pricies online, keep in mind that rebates and incentives change monthly. The manufacturer, not the dealer, changes the programs. If you find attractive pricing on a car you want, you usually only have until the end of the month to take advantage of it.

Information on a 1999 Toyota Camry LE 4 Cylinder

The 1999 Toyota Camry was released in the middle of the fifth generation of production (1997 to 2001) of automaker Toyota Corporation's best-selling mid-sized car. The LE trim--the Camry's "luxury" version that was equipped with a standard four-cylinder engine--was ranked above the base CE, but placed lower than its six-cylinder engine-equipped sibling (LE V6), as well as the "extra-luxury" trims XLE and XLE V6.

Engine, Transmission and Fuel Economy

    The 1999 Toyota Camry LE came with a 2.2-liter, 133-horsepower in-line four-cylinder engine, and it had a four-speed automatic transmission with overdrive. With a gas tank that could hold up to 18 1/2 gallons, fuel economy was rated at 23 miles per gallon (mpg) for city driving and 30 mpg for highway driving.

Safety Features

    The 1999 Toyota Camry LE had power door locks with the child safety feature, and driver and passenger airbags. It lacked the anti-lock brakes of the LE V6 version, though, and other safety features such as traction control, vehicle anti-theft system and keyless entry were not made available.

Interior Features

    Designed to seat up to five people, the interior of the 1999 Toyota Camry LE included air conditioning, cruise control, power windows and a stereo system with AM/FM radio and cassette deck. The cloth upholstery came in Gray, Oak or Sage.

Exterior Features

    The 1999 Toyota Camry LE, like the other trims, only came as a four-door sedan. It had 14-inch steel wheels. Standard exterior features included the customary lights and windshield wipers, but not much else. The colors of the 1999 Camry LE included Antique Sage Pearl, Black, Blue Dusk Pearl, Blue Velvet Pearl, Cashmere Beige Metallic, Sable Pearl, Super White, Vintage Red Pearl and Woodland Pearl.

Price

    The original manufacturer's suggested retail price for the 1999 Toyota Camry LE was $19,858. As of 2010, according to automotive valuation publication Kelley Blue Book, the price range of a 1999 Camry LE is between $6,000 and $6,500.

How do I Calculate the Cost of an Auto Lease?

How do I Calculate the Cost of an Auto Lease?

Calculating the cost of an auto lease lets you estimate your monthly payments and total financial obligation before signing a contract. Doing some research to estimate your lease payment before going to the dealership can save you time and help you determine which vehicle best fits your needs and budget. In order to approximate the lease payment, you must know the sticker price, selling price, money factor, lease term and residual value of the vehicle in question.

Instructions

    1

    Calculate the residual value of the vehicle. For example, if you are considering a Chevy Malibu with an MSRP of $22,995 and a residual value of 60 percent the residual is $13,797. Residual is always calculated relative to the MSRP, or sticker price, of the vehicle.

    2

    Calculate the depreciation over the lease term. Depreciation is the residual value subtracted from the selling price of the car. Assume that the price of the vehicle in our example was negotiated down to $21,000. Subtract the residual value to arrive at $7,203. This is the depreciation, or value, of the vehicle you are using during the lease term.

    3

    Divide this amount by the term of your lease to get the base monthly payment. For our example, if you are taking a 39-month lease, divide $7,203 by 39. This produces a base monthly payment of $184.69.

    4

    Factor interest into the calculation. Interest on car leases is expressed in a money factor, which is equivalent to the interest rate divided by 2400. For example, an 8.9% APR interest rate translates to a .00371 money factor. In the example above, add the selling price of the car ($21,000) to the residual value ($13,797) and multiply the result by the money factor. The sum of the selling price and residual is $34,797, and when multiplied by .00371 the monthly interest component of the payment is $129.09.

    5

    Add the monthly depreciation and monthly interest to arrive at the base, pre-tax monthly payment of $313.78.

    6

    Multiply the base monthly payment by your state's tax rate. If, for example, the vehicle was being registered in Michigan, with a 6 percent sales tax, you would multiple $313.78 by 6. The monthly tax would be $18.82.

    7

    Add the tax of $18.82 to the base monthly payment of $313.78, to get a total of $332.60. This is the total monthly cost of the lease in our example, assuming no down payment.

Tuesday, October 1, 2013

How to Buy a Car With a Title Lien

How to Buy a Car With a Title Lien

A title lien is a claim placed upon a vehicle when the debt has not been satisfactorily paid off. Title liens are normally placed by a lending institution such as a finance company or bank. In order to legally to transfer a vehicle's title to your name, the title lien must be taken care of. The process of purchasing a car with a title lien is relatively simple as long as both parties are up front and honest and willing to get it taken care of.

Instructions

    1

    Ask the seller who the lien holder of the title is and inquire about the total amount due in order to get the lien released. Contact the lien holder to determine if there are any other stipulations involved in releasing it. Draw up a contract with the seller indicating the details of the sale, including the payoff price of the lien.

    2

    Pay off the balance of the lien if possible. Go with the seller in person to the lien holder if necessary or if you are financing the vehicle through your bank, inform the bank of the lien including the name of lien holder along with the amount owed. Get a written contract from the seller if you are unable to pay the lien off.

    3

    Pay for the car and get a bill of sale. Be certain both you and your seller sign the bill of sale and date it, and preferably have it notarized in front of a witness.

    4

    Wait for the vehicle's title after you have paid the lien off. Bring your title and bill of sale to your local Department of Motor Vehicles office. Register the car in your name and fill out any necessary forms. Bring your identification, appropriate title transfer fees and proof of insurance. A new title in your name will be mailed to you.