These are hard times, no doubt for
just about all of us. Let's give some consideration to automobiles. There are
people who have purchased new cars within the last couple of years. Sadly,
since that time they have lost their jobs and can no longer afford to make a
car payment in the neighborhood for $400+ per month. Before they know it, they
find themselves getting their beautiful cars getting repossessed by the finance
company. How embarrassing this can be for you with your neighbors, unless it
has happened to them too. Now you do not have a car, your credit is ruined, you
need a car, what are you to do?
Maybe you have been unemployed or
underemployed for a number of years. You know what tough times are all about.
You wonder if that old clunker of yours is going to make it for another month
or not. You don't want to take your children in the car because if it breaks
down on the road, it won't be safe for the children. You need to get another
car, but to get a bank loan and pay a lot of interest is just not possible for
you. Where do you turn.
Many cities have a location where
they have used cars for sale, frequently through government auctions. Some of
these cars have been repossessed, some have been confiscated by the police,
some have been abandoned, who knows. The government has assumed clear title on
these cars, and about once a month, or depending on how quickly their lot fills
up, they will place these vehicles up for sale. If you are a person who does
not have much wisdom about cars, it would be prudent to check around among your
friends/relatives to find someone who could go with you to the sale.
In many cases, the day before the
sale, the yard will be open for a couple of hours, and then the day of the
sale, open early, so that you can walk through the cars and check out cars that
might interest you. Once the bidding starts, they will pull a car up to the
staging area and take bids. If you are the winning bidder, you must be able to
pay a certain percentage down right then. This depends on the sale. (You will
want to get the information ahead of time). Usually they will give you a day or
so to come up with the rest of the money. They do not provide financing there.
Good luck in searching for a car.
If you are buying a new or used car,
you want to ensure that your money is wisely spent. To ensure this does happen,
there are some questions you want to ask when before you agree to make a
purchase. Speaking of those questions, what should you be asking?
Question: How many miles is on the vehicle?
Hopefully you shouldn't have to ask this question because the mileage of the vehicle should be disclosed upfront. But, you might want to ask if it has changed. Some sellers drive their car around while trying to sell it. If someone drives 100 miles a day to and from work, that can significantly increase the mileage over one or two weeks. Price depends on a number of factors and mileage is one of those important factors.
Hopefully you shouldn't have to ask this question because the mileage of the vehicle should be disclosed upfront. But, you might want to ask if it has changed. Some sellers drive their car around while trying to sell it. If someone drives 100 miles a day to and from work, that can significantly increase the mileage over one or two weeks. Price depends on a number of factors and mileage is one of those important factors.
Question: Has the car recently been serviced or has it undergone any
recent repairs?
This answer can lead you to a great car. We tend to think of cars that get serviced as bad (they need repairs after all). With that said, it does mean that the vehicle is serviced, up-to-date, and recently repaired. This is good because it also shows signs of an owner who cared for the vehicle, which you benefit from. Also, keep in mind that the more recent the repairs are the less you will have to spend on them upfront.
This answer can lead you to a great car. We tend to think of cars that get serviced as bad (they need repairs after all). With that said, it does mean that the vehicle is serviced, up-to-date, and recently repaired. This is good because it also shows signs of an owner who cared for the vehicle, which you benefit from. Also, keep in mind that the more recent the repairs are the less you will have to spend on them upfront.
Question: Why are you selling the car?
The answer to this question might not impact your decision, but it is a good idea to have the answer. Lets look at it this way, would you rather buy a car from someone who decided to upgrade to get more room for their kids or someone who says they wanted something better? Many sellers tend to answer this question quickly and on impulse so you should get an honest answer.
The answer to this question might not impact your decision, but it is a good idea to have the answer. Lets look at it this way, would you rather buy a car from someone who decided to upgrade to get more room for their kids or someone who says they wanted something better? Many sellers tend to answer this question quickly and on impulse so you should get an honest answer.
Question: Can I come look at the car and take it for a test drive?
If you are asking all of these questions over the phone or via email, you will want to ask this important question. It is always recommended that you take a vehicle for a test drive before deciding to buy. Just because a car looks good, it doesn't necessarily mean it runs good or will be comfortable for you to drive. Run in the other direction if a seller keeps making excuses. The car might not run or they might not even have a car to sell (common with online scammers).
If you are asking all of these questions over the phone or via email, you will want to ask this important question. It is always recommended that you take a vehicle for a test drive before deciding to buy. Just because a car looks good, it doesn't necessarily mean it runs good or will be comfortable for you to drive. Run in the other direction if a seller keeps making excuses. The car might not run or they might not even have a car to sell (common with online scammers).
Now that you know what you should
ask when it comes to buying a used car, are you ready to get started? Online,
you will find a number of car buying websites to choose from. Which ones should
you search? Instead of having to pick one or the other, how about you try a desktop
car finder? Most of these programs come with a free trial and they search
hundreds of websites for you at once! Most of these car finders let you respond
to sellers via email and ask these questions quickly and with ease.
Before you go and buy your first
used car, there are certain questions you should be prepared to ask. Make sure
that before you make a purchase, you have all of the information you need to
guarantee you do not end up with a lemon or a car you are just not satisfied
with. Here are a few things you will want to make sure to find out before
purchasing a used car:
Know your price range. To determine the price range for your new vehicle, you must
remember to factor in license plates, registration for the vehicle, taxes, and
insurance costs. A lot of these costs vary depending on the age and type of
vehicle you drive. Another thing to consider is that if you go out and look at
cars that are not within your set budget, you will make the cars you can afford
pale in comparison. Also, in order to get the car you want, you may sacrifice
quality and end up with a car that does not run nearly as well as one that was
within your predetermined price range.
Check out at least 10 different cars
that fall within your price range before making a decision. Take a friend or family member who is knowledgeable about
cars to look at them and test drive each car. They will notice things that
might otherwise be missed by you or a car buying novice.
Test Drive Your Top Three One More
Time. Make sure you ask any and all
questions you may have about the vehicle, no matter how ridiculous they may
seem. Asking about how many previous owners there were, if it has been in any
accidents and what the damage was, have any major parts been replaced or
rebuilt, has anyone smoked in the car, or anything else you want to know is a
fair question.
Do Your Research. Simply knowing the value of the car you are interested in is
not enough. Still check out the Blue Book value, but also find out common
maintenance problems with cars that are that make, model, and year. Check out
the CarFax report on the particular car you are thinking of buying to make sure
it was properly maintained and not in any serious accidents. Make sure that if
you are looking at and one has been in an accident, they replaced broken parts
with genuine Mitsubishi parts.
Pick Your Car And Prepare To
Negotiate. Most cars are priced to negotiate.
There is usually about 10-15% reduction in price available, so you need to
haggle for it. Again, bring someone with you who is familiar with the car
buying process and will help you bargain for a better price.
Consider Conditioning The Car On An
Inspection. If the car is more than a couple
thousand dollars, or really, even if it is less, you may want to make the sale
contingent upon a clean inspection. You will need to factor this inspection
into the budget and it can run you up to nearly a thousand dollars. However,
the headache and frustration it may save you in the long run makes it worth it.
Close The Deal and Drive Off In Your
New Car. Try to pay for your car in a
cashier's check instead of cash. It is the same thing, but it leaves a paper
trail. Make sure you have agreed upon everything and have a bill of sale in
writing. You do not simply want a word of mouth agreement because you then have
no proof of the sale or any changes they agreed to make after the sale.
If you follow these guidelines and trust
yourself to make the best decision, you should end up with a great car that
will serve you well.
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