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- New Car Buying Guide
-
- Buying a new car is usually the second most
expensive
- purchase many consumers make, after the purchase of
their home.
- This guide, which includes a checklist and a
worksheet,
- is intended to help give you the information you
need to make a
- smart deal on a new car.
-
- Buying Your New Car
-
- Before you step into a dealer's showroom, it helps
to know
- what car model and options you want and how much you
are
- willing to spend. That way, you are less likely to
feel
- pressured into making a hasty or expensive decision
and more
- likely to get a better deal. To help you shop, you
may want to
- consider the following suggestions:
- * Check publications at a library or bookstore that
discuss
- new car features and prices. These may provide
information
- on the dealer's costs for specific models and
options.
- * Shop around to get the best possible price by
comparing
- models and prices at dealer showrooms. You also may
want
- to contact car buying services and broker buying
services
- and make comparisons there.
- * Plan to negotiate on price. Dealers may be willing
to
- bargain on their profit margin, which is generally
between
- 15 to 20 percent. This is usually the difference
between
- the manufacturer's suggested retail price and the
invoice
- price. To help you do this, refer to the worksheet
listed
- at the end of this brochure.
- * Consider ordering your new car if you do not see
the car
- you want on the dealer's lot. This usually involves
a
- delay, but cars on the lot frequently have options
you do
- not want -- which add considerably to the cost.
-
- Learning the Terms
-
- To give you a better sense of the negotiating room
you
- have when buying your car, it helps to understand
the following
- terms, listed here in order of increasing price:
- INVOICE PRICE is the manufacturer's initial charge
to the
- dealer. This is usually higher than the dealer's
final cost
- because dealers often receive rebates, allowances,
discounts,
- and incentive awards. The invoice price always
includes freight
- (also known as destination and delivery). If you are
buying a
- car based on the invoice price (for example,
"at invoice,"
- "$100 below invoice" "two percent
above invoice") be sure
- freight is not added to the sales contract.
- BASE PRICE is the cost of the car without options,
but
- includes standard equipment, factory warranty, and
freight.
- This price is printed on the Monroney sticker (see
below).
- MONRONEY STICKER PRICE, which appears on a label
affixed
- to the car window and is required by federal law,
shows the
- base price, the manufacturer's installed options
with the
- manufacturer's suggested retail price, the
manufacturer's
- transportation charge, and the fuel economy
(mileage). The
- label may not be removed by anyone other than the
purchaser.
- DEALER STICKER PRICE, usually on a supplemental
sticker,
- is the Monroney sticker price plus the suggested
retail price
- of dealer-installed options, such as additional
dealer mark-up
- (ADM) of additional dealer profit (ADP), dealer
preparation,
- and undercoating.
-
- Financing Your New Car
-
- If you decide to finance your car, you have the
option of
- checking the dealer's rate against banks, credit
unions,
- savings and loans institutions, and other loan
companies.
- Because interest rates vary, shop around for the
best deal and
- compare the annual percentage rates (APR).
- Sometimes, dealers offer very low financing rates
for
- specific cars or models, but may not be willing to
negotiate on
- the price of these cars. In addition, they may
require you to
- make a large down payment to qualify for these
special interest
- rates. With these conditions, you may find that it
is sometimes
- more affordable to pay higher financing charges on a
car that
- is lower in price or to purchase a car that requires
a smaller
- down payment.
- Some dealers and lenders may ask you to buy credit
- insurance, which pays off your loan if you should
die or become
- disabled. Before you add this cost, you may want to
consider
- the benefits available from existing policies you
may have.
- Remember, buying credit insurance is not required
for a loan.
-
- Trading in Your Old Car
-
- After getting your new car for the best possible
price,
- only then discuss the possibility of a trade-in.
First,
- however, find out the value of your old car. You may
want to
- check the library for references and periodicals
that can tell
- you how much your car is worth. This information may
help you
- get a better overall price from the dealer.
Remember, too, that
- though it may take longer, you generally will get
more money by
- selling the car yourself.
-
- Considering a Service Contract
-
- Service contracts that you may buy with a new car
provide
- for the repair of certain specified parts or
problems. These
- contracts are offered by manufacturers, dealers, or
independent
- companies and usually initially run concurrently
with the
- manufacturer's warranty. Remember: a warranty is
included in
- the price of the car; a service contract costs
extra.
- Before deciding to purchase a service contract, read
it
- carefully and consider some of the following
questions:
- * What is the difference between the coverage under
the
- warranty and the coverage under the service
contract?
- * What repairs are covered?
- * Who pays for the labor? The parts?
- * Who performs the repairs? Can repairs be made
elsewhere?
- * How long does the service contract last?
- * What is the cancellation and refund policy?
-
- For Further Information
-
- In addition to checking publications about new car
- features and prices when buying a car, you may find
it helpful
- to read other Federal Trade Commission brochures.
These
- include: "Car Ads: Low Interest Loans and Other
Offers,"
- "Service Contracts,"
"Warranties," "Buying a Used Car,"
and "A
- Consumer Guide to Vehicle Leasing." For a free
copy write:
- Public Reference, Federal Trade Commission,
Washington, D.C.
- 20580. For further information, you may want to
write to:
- Division of Marketing Practices, Federal Trade
Commission,
- Washington, D.C. 20580. Although the FTC generally
does not
- intervene in individual consumer disputes, it can
take action
- if there. is evidence of a pattern of deceptive or
unfair
- practices.
-
- Checklist for Buying a New Car
-
- You are likely to get a better deal on a car if you
know
- beforehand exactly what you are looking for and what
you are
- willing to spend. Therefore, before signing a sales
contract
- with a car dealer, you may want to:
- * Decide which car model and specific options you
want.
- * Find out the invoice price (the lowest price) of the model
- and each option you want.
- * Decide how much you are willing to pay the dealer,
if
- anything, above the invoice price.
- * Compare final sales prices with other dealers and
buying
- services.
- * Compare financing costs from various sources, such
as
- credit unions and savings and loans institutions,
with
- those of car dealers.
- * Find out the value of your old car, independent of
a
- dealer's trade-in offer.
- * Decide if you need an optional service contract or
credit
- insurance.
-
- Worksheet for Buying a New Car
-
- To help you negotiate the price of your next new
car, you
- may want to use this worksheet to establish your
bargaining
- room before you talk with a dealer.
-
- Model_______________________________________________________
- Base Price Invoice Price* Retail Price
- Options:
- Transmission: ______________ ____________
- Automatic ______________ ____________
- Stick ______________ ____________
- Air Conditioning ______________ ____________
- Engine: ______________ ____________
- Size ______________ ____________
- Diesel ______________ ____________
- Sound System: ______________ ____________
- AM-FM ______________ ____________
- AM-FM Cassette ______________ ____________
- Power Brakes ______________ ____________
- Power Steering ______________ ____________
- Power Locks ______________ ____________
- Power Seats ______________ ____________
- Rear Window Wiper/Washer ______________ ____________
- Rear Window Defogger ______________ ____________
- Luggage Rack ______________ ____________
- Tires: ______________ ____________
- Full-Size Spare ______________ ____________
- Steel Belted Radials ______________ ____________
- Mirrors: ______________ ____________
- Dual ______________ ____________
- Remote ______________ ____________
- Passenger Visor ______________ ____________
- Other: ______________ ____________
-
- * The invoice price may be obtained by looking at
the
- dealer's invoice or by reviewing new car
publications.
-
- FTC Headquarters
- 6th & Pennsylvania Avenue, N.W.
- Washington, D.C. 20580
- (202) 326-2222
- TDD (202) 326-2502
- FTC Regional Offices
- 1718 Peachtree Street, N.W., Suite 1000
- Atlanta, Georgia 30367
- (404) 347-4836
- 10 Causeway Street, Suite 1184
- Boston, Massachusetts 02222-1073
- (617) 565-7240
- 55 East Monroe Street, Suite 1437
- Chicago, Illinois 60603
- (312) 353-4423
- 668 Euclid Avenue, Suite 520-A
- Cleveland, Ohio 44 114
- (216) 522-4207
- 100 N. Central Expressway, Suite 500
- Dallas, Texas 75201
- (214) 767-5501
- 1405 Curtis Street, Suite 2900
- Denver, Colorado 80202-2393
- (303) 844-2271
- 11000 Wilshire Boulevard, Suite 13209
- Los Angeles, California 90024
- (213) 209-7575
- 150 William Street, Suite 1300
- New York, New York 10038
- (212) 264-1207
- 901 Market Street, Suite 570
- San Francisco, California 94103
- (415) 744-7920
- 2806 Federal Bldg., 915 Second Ave.
- Seattle, Washington 98174
- (206) 553-4656
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