YOU CAN BUY A CAR LIKE A PRO. LET US SHOW YOU HOW. Car Buying 101

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1 YOU CAN BUY A CAR LIKE A PRO. LET US SHOW YOU HOW.

2 HOW MUCH CAN YOU AFFORD TO SPEND? RESEARCH, RESEARCH, RESEARCH BEFORE YOU SHOP. A good rule of thumb is to consider a monthly auto payment that should be no more than 20% of your gross monthly income. Fitting the potential new payment into your budget is an important step. It s also a good time to check your credit report before you begin to shop (www.annualcreditreport.com) so there are no surprises. Make a list of likes and dislikes to narrow your search. Try not to let your purchase be an emotional decision. Research before you purchase. Some 80% of consumers start their shopping experience online. There is an incredible amount of information available, options packages, safety considerations even long-term cost of ownership to consider. Sites are available on our website, in our Vehicle Resource Center, accessible through our Vehicle Loans page. It s easier to consider different vehicles before you go on a dealer s lot, take your time and research thoroughly before you shop. 2

3 CONTACT CALL FEDERAL FOR PRE-APPROVAL FIRST. Visit our website at callfcu.org. Come by any of our convenient locations. Apply online at callfcu.org and receive an instant decision or a call back from a loan specialist by the next business day. Call us at Option 2. DO YOU HAVE A POSSIBLE TRADE-IN? Determine whether to trade your vehicle or sell your vehicle yourself Research the value of your vehicle. Trade-in value vs. private-party sale value. Know your options: sell to an individual, trade to a dealer, or vehicle consignment. Weigh your options and make the informed choice that is right for you. Definitions to become familiar with: Trade-in Value the price you can expect to be offered for your used vehicle if you sell it to a dealer as a part of purchasing a new car. This value will usually be lower than what you would expect to receive for a private-party deal. Private-Party Value the price that a vehicle typically sells for when sold between two individuals. Wholesale Value The price a dealer would pay to purchase the vehicle from a dealer auction. The vehicle s age and overall condition are often factored into this price. 4

4 TEST DRIVE BEFORE YOU BUY. WHAT DOES THE NEW VEHICLE COST? 6 This seems easy enough, but don t skip this all-important step. Test drive several vehicles including the actual one you may purchase. Even with a new car purchase, test drive the actual vehicle before committing to the purchase. Schedule time with the sales person to test drive, and go prepared with questions you have. Take your time with this step. When purchasing used vehicles from private owners, we highly recommend that you have your own mechanic inspect the vehicle. Certified used vehicles, available at most dealerships, usually are a little more expensive, but can include a warranty and special financing terms. Terminology that can help you: MSRP-Manufacturer s Suggested Retail Price. Invoice Price-Recorded amount paid by dealer, excluding any costs for advertising, destination charges or special regional pricing. Dealer Cost-Invoice price after dealer incentives. Ask dealer for a copy of the invoice AND research new car prices on the Internet. Visit the Vehicle Resource Center, accessible through our website s Vehicle Loans page, for valuable information.

5 BE PREPARED TO NEGOTIATE. PROTECT YOUR NEW INVESTMENT. 8 It s often said that if you buy at the end of the month, you may get a better deal. We don t know for sure it s true, but it can t hurt. Shop for the best offer from several dealerships. Shopping online at dealer websites can often be beneficial. Know which choices are right for you: Extended Warranties. Life/Disability Insurance. GAP Guaranteed Asset Protection (insurance to cancel any difference between a primary auto insurance settlement and what may still be owed). Automobile Insurance. Listen closely to what is offered to ensure it is appropriate for your needs and adds value to your purchase.

6 PRICE AND COMPARE AUTO INSURANCE RATES. ADDITIONAL TIPS. 10 Get quotes from several agents to ensure you are getting the best deal. Discounts are given for many different reasons. Ask for them. Factor the insurance payment in when deciding if you can afford the car. Premiums vary based on make and model and driver specifics. Read everything TWICE before you sign. Do your homework. There are many great online resources available to research and get tips. Have patience during the shopping process. Understand all of your options by asking questions. Consult the loan experts at to help you through the car buying process. Use the Ask Auto app on your smartphone to keep track of used vehicles while shopping.

7 Don t be afraid to ask questions. At Credit Union, we know that buying a car can be intimidating. It doesn t have to be. As part of our ongoing mission to educate our members and help them achieve a stronger financial footing, we are excited to offer simple, practical advice that can help you purchase a vehicle with more confidence and less hassle. Reading through this guide will give some of the basic strategies most car buyers aren t aware of. Chances are you ll have a few more questions. That s why we re here. Stop by a branch today, or give us a call. You really can buy a car like a pro. Let show you how. callfcu.org

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