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205 posts categorized "Buy Lease and Sell"

July 27, 2015

AskPatty's Car Buying Do’s and Don’ts 10: Don't Base Your Purchase On Monthly Payments!

Instead, consider the total purchase price after sales tax, and then evaluate the monthly cost.

Once you know your total price, financing the car should cost about $20 a month for 60 months for every $1000 financed (for buyers with good credit), so keep that in mind when you’re looking at the bottom line. Most car pricing services also offer pricing estimators to help you know ahead of time what it will cost to finance your purchase. If you have quotes from other dealers, use them as leverage in your current negotiation. Having a target transaction price in mind before you visit the dealership is important, and where your advance research will help the most.


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July 24, 2015

AskPatty's Car Buying Do’s and Don’ts 9: Don't Trade In A Car That's Worth Less Than You Owe On It!

When that happens, the balance of your old loan will be rolled into the new car's loan amount, combining the debt of two cars into one, larger, loan.

Save discussions about trade-ins until the end of your negotiation process. The price of the car should not be determined by the vehicle you have to trade in, so consider that a separate transaction. Only after you settle on a purchase price should you start negotiating the terms of a potential trade. Price your car ahead of time using services like,, or, so you have a good idea of what it should be worth ahead of time. Remember, if you don't like the trade-in value you're offered for your car, you might get more for it by selling it yourself or taking it to CarMax.


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July 22, 2015

AskPatty's Car Buying Do’s and Don’ts 8: Do find a Certified Female Friendly Dealer!

Once you have a vehicle in mind, go to the Zip Code Search on the AskPatty.Com® site for an AskPatty.Com Certified Female Friendly® dealership near you.

Once you find a location, check out their company web site. Most dealerships have a listing of their new and used vehicle inventories so you can do some searching for the car you are seeking to purchase. All new car dealerships have their own web site, so searching on the Internet by the name of the dealership or by product brand name you are researching should be easy.


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July 19, 2015

AskPatty's Car Buying Do’s and Don’ts 7: Do Check Your Credit Rating And Financing Options In Advance!

Don't be surprised by high rates when you reach the financing department.

Before you walk onto a dealership lot and fall in love with a shiny new car, it’s important to know your credit score; otherwise, you risk the potential heartbreak of being told you don’t quality to finance your gorgeous new ride. If you're a member of a credit union or other financial institution, you can even get pre-approved for a vehicle loan, and use that to negotiate better rates at the dealership.


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July 17, 2015

AskPatty's Car Buying Do’s and Don’ts 6: Do Contact Your Insurance Agent Ahead Of Time.

Check with your agent to learn the insurance rates of the vehicles you're shopping for before you actually buy.

It might seem backwards to check with your insurance agent before you actually purchase a new car, but if you knew the premiums were going to be sky-high for a certain vehicle, would you be inclined to choose a different model or trim level? For example, would it affect your purchase if you were to discover a significant difference in the premium between the two- and four-door versions of a specific model, or that one trim level might cost less to insure than another?


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July 15, 2015

4 Key Shopping Skills Every Woman Needs When Buying New Car

Key_shoppings_skills_for_women-istock_illustration_by_maystraWhile many women love to shop, most dread the actual process of selecting, shopping and buying a car. After all, while shopping can be fun, spending hours negotiating the price, then spending more time in financing and finalizing the new car purchase is about as enjoyable as having a tooth pulled.

  Preparing for the negotiating process can help ease the process, saving the savvy woman both her time and money. Here are my four key shopping skills for placing the keys to a new car in your hands.

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AskPatty's Car Buying Do’s and Don’ts 5: Do Bring Your Kids!

Let your kids help with the test drive: Can they open the doors to get in and out of the back seat easily? Can they operate the controls to get in and out of the third row (if the vehicle has it)?

If you have small children, bring their car seats with you so you can make sure they attach easily and safely. Bring the stroller or other large items you normally carry to ensure it all fits into the trunk. If you're actually planning to buy at that time, be sure to also bring activities and snacks to keep them occupied while you're going through the purchase process.


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July 13, 2015

AskPatty's Car Buying Do’s and Don’ts 4: Don't Rush Your New Car Purchase!

To save time, do your shopping during the week. It will probably be faster to get through the sales process on a slow weekday than on a busy weekend.

Keep a poker face, and don't let your excitement over a specific vehicle make you a victim. Be prepared to walk away. There is no such thing as “now or never,” and it's likely you can find a similar car on another dealer’s lot. If you don’t think you’re being treated well, you can ask for a different sales person. If that doesn't work, you can always find another dealer. Have a reasonable bottom line: the dealership needs to cover its costs and pay the salesperson’s commission, but if you feel they’re not being fair to you, you can most certainly find another car on another lot on another day.


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July 10, 2015

AskPatty's Car Buying Do’s and Don’ts 3: Do Know How Much You Can Afford!

Don't shop for a luxury car if you're living on a small-car budget.

The rule of thumb when buying a new car is to put about 20 percent down, try not to borrow for more than five years (60 months), and keep your monthly payment lower than 10 percent of your income. Don't forget to factor in such things as fuel costs and annual maintenance. If you know your average commute, you can figure out in advance what you are likely to spend on gas by comparing your mileage to the EPA Fuel Economy Estimates on the window sticker. Check websites like to learn costs of ownership you won't be surprised down the road.


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July 08, 2015

AskPatty's Car Buying Do’s and Don’ts 2: Do Your Pricing Research Ahead Of Time!

Manufacturer's suggested retail pricing is just a starting price. To get the best possible price, you need to learn as much information about the vehicle you are shopping for before you ever enter the dealership.

Dealer invoice pricing used to be a secret, but such information is easily obtainable from a variety of sources these days. Use online shopping tools at websites like,, and to help you know fair market pricing before you ever visit a dealership. TrueCar not only will give you retail and wholesale pricing, but will indicate fair and good pricing to pay, by zip code. On used car purchases, TrueCar will show what is being paid for similar models and mileage, and will indicate if the prices are above or below market value. Compare several sites against each other to know the best pricing before you start to negotiate at a dealership.


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