While we are happy to be your go-to resource for information on cheap car insurance and affordable online insurance – we’re no one trick pony! We care about your entire car buying/care ownership experience! Part of the experience is picking the right car, at the right cost to you and your family. Here are three sage tips that we hope will make things go as smoothly as you’re driving in the future:
Nothing is more daunting than seeing something you really like, really want, and yet, are unable to afford. Scratch that; what’s more daunting, is going into debt or not being able to meet statutory financial obligations because of purchase you shouldn’t have made, and could not afford. This happens all too often in America, and since we’re at the start of the New Year, why not make a change in the right direction? A popular saying by some older folks is that young people have “Champagne tastes, on soda pop pockets.” This unfortunately, is not exclusive to the junior spenders of our society. The car you want and the car you can afford are often two completely different things. A safe rule of thumb when gauging what you can actually afford is that you should comfortably a lot no more than 20% of your monthly household income for (ALL) cars in your household, when looking to purchase. This figure is all inclusive, encompassing monthly car loan payment, cheap online car insurance and gasoline costs too.
Sales people are wonderfully attentive (or at least they should be!), and bless their hearts, are poised specifically to get the most out of any sale on behalf of their company. Keep this in mind when you’re considering sitting down and signing onto dealership financing. Car dealers want to do more than just sell you a car. They want to sell you the vision you have of yourself in a car you may very well not be able to afford. Getting you to sign a car loan is like the holy grail for them, and for the unprepared consumer, is may not be as difficult to attain. Keep your wits about you so that while their “great rate” is dangling in front of you, you won’t miss the portion of your contract that indicates that your car loan rate is contingent upon the loan approval…
Rushing the test drive is one of the worst mistakes you can make when buying a new car. You see, it’s a psychological thing. 9 out of 10 times, if you’re buying a new car, it is because you don’t have one or the current one is crap. So naturally, when you sit in one that someone is trying to sell, it’s going to feel like Aladdin’s magic carpet ride! Shake off the star-struckness, and get down to observing the important things. Will all your typical cargo/passengers fit comfortably? Experiment with the controls and make sure everything works the way it is intended to. And lastly, think about this car in your life five years from now – will it still suit all your needs?
source: insurancequotesfast.com
