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Some people love shopping for cars, while others absolutely dread it. Getting
a car isn't a run-of-the-mill purchase – it's something that can drastically affect
your financial situation. You could make the mistake of spending way too much
on your next car, or you could underspend and end up with a less-than-reliable
vehicle. Don't stress! Keep this financial advice in mind as you shop and you'll
avoid any major mistakes.
Never Shop before You Draw Up a Budget
Before you ever walk into our dealership or take a look at our website,
you should draw up a budget to determine how much you can afford. What's the
harm in browsing ahead of time, you ask? Well, there is the very great danger
of overestimating what you can afford and getting your hopes up for a vehicle
that won't be practical. Calculate how much money you have to spare comfortably
after paying bills and rent and buying groceries. And remember to account for
gas and insurance.
Once you've settled on an amount that you can realistically spend, head
to the dealership and outline your budget to the dealer. They'll be able to
direct you towards vehicles that are within your range, without the temptation
of fancier cars and extras that you don't need and can't afford. This will save
you a lot of disappointment in the long run.
Never Base Decisions Solely on Your Monthly Payment
If you are getting a lease, focusing on a low monthly payment
makes a lot of sense. After all, at the end of the term, you can just turn the vehicle
in and get another one. Where low payments on a lease are a convenience that
doesn't hurt you long-term, extremely low payments on a purchase can sometimes extend
the financing term without any added benefit to you. In other words, you might
end up paying more – just over a longer period of time. And by the time that
you are paid off, the vehicle's residual value might be next to nothing.
The amount of money that you put down will help lower the payments, but
more than anything you'll want to ensure that you are getting a good final cost
on the vehicle. This will keep payments reasonable so that you can finance over
the normal period instead of, say, seven years.
Ask What Extras the Dealership is Offering
A lot of New
Jersey car dealers
offer incentives for their customers. Some will
offer free maintenance or oil changes for a certain number of years or miles –
things that can save you a good deal of money down the road. Don't be shy!!!
Ask what they'd be willing to offer you. After all, you are committing to a
purchase worth thousands of dollars, and a good dealership like ours will offer
you something in return!
Take a look at our online inventory at Autoland and schedule a test drive today!
Labels: New Jersey Car Dealers
Your Next Car Needs to Be a Certified Pre-owned Car
You know that you need a different vehicle, but you aren't exactly sure
whether to go used or new. After all, both have distinct advantages: used cars
are very affordable, but new cars are incredibly reliable. Stop agonizing over
your decision and get the best of both worlds by purchasing a certified
When you're looking for a car
dealer in NJ
, make sure that you ask our dealership about its certified
pre-owned car selection. These vehicles are one of the smartest investments you
can make, but you may not be aware of their many benefits. Here are some of the
most important things that they offer:
When people decide not to buy used cars, it almost always has something
to do with quality and potential repair costs. The horror stories from people
who have bought lemons usually have something to do with this. However, the
good news here is that buying from a respected dealer like Autoland ensures
that even the regular used cars are up to certain standards of quality, and the
certified ones are even better! Low mileage and late model vehicles are the
only ones that can earn the certified pre-owned label, and they have to meet
the manufacturer's standards as well. These include rigorous inspections and
like-new quality that lasts. You'll never drive off the lot and break down two
weeks later with a certified vehicle!
There's nothing worse than buying a car, discovering that something is
wrong with it, and then having to pay for everything because it is no longer
under warranty. A lot of certified pre-owned programs will not only extend the
vehicle's original basic warranty, they are also willing to extend the original
powertrain warranty along with it. Others may choose to simply transfer the car's
original warranty over to the new owner. Either way, if you choose to go the
certified pre-owned route, your car could be covered for a long time.
Some people say that they don't buy certified pre-owned vehicles because
they tend to be more expensive than regular used cars, but that line of
thinking isn't necessarily true. The vast majority of certified
pre-owned cars are eligible for much lower interest rates than regular used cars are. The
low interest rate can help keep the monthly payments low and, in the long run,
can save you money.
Labels: Car Dealer NJ
The Stress-Free Guide to Getting an Auto Loan
Maybe you're looking for used
cars in New Jersey
, or maybe you have your heart set on finding a new
one. Either way, you need a different car, and you need to figure out how to
afford one. It would be nice if everyone could just get the cash they need out
of the bank, but the vast majority of people need some kind of auto loan.
Some people are wary of getting a loan, and others are way too happy to
agree to one that they truly can't afford. You need to get the right loan for
your budget but, if you're new to financing, this can seem impossible. As long
as you go into the process informed, however, you won't have a problem. To that
end, here are some tips:
over the interest rate
Finding an auto loan with a low interest rate is great, but it's only a
small part of the total picture. You need to know how much you can put down and
the terms of the loan before making any decisions. Take the various other expenses
into account and calculate how much you can manage and see if the loan still
looks as good.
before getting your loan
If you go car shopping before getting an auto loan amount, you're getting
way ahead of yourself! You may not have a clear sense of what you can actually
afford, and that car you set your heart on might end up being beyond you
financially. This will only lead to disappointment or a decision made based on
emotions rather than your bank account – and either scenario is bad. By getting
a loan before you start browsing, you'll be able to limit your search to
realistic possibilities from the get-go.
Never talk to anyone about an auto loan without knowing your credit rating.
By doing so, you have the most important bargaining chip in your hand and can
approach the loan process with confidence. You'll also be able to correct any
kind of discrepancies or problems on your report before you start to seriously
shop. This will allow you to get the best interest rates, as well as the most
appropriate loan for your needs.
about the future
You can afford a pretty significant car loan now, but what about the
future? Emergencies and unexpected financial changes can happen, and it may
take longer than you think to pay off your car. On the other hand, you
shouldn't factor things that aren't definite into you car buying decision. Don't
plan on getting a raise next year unless you're sure that you'll get it, and
don't assume that you'll "eventually" start making more money as the
years go on.
Labels: Used Cars New Jersey
Never Be a Distracted Driver
Do you think that you're a careful driver? Are you the kind of driver who
obeys the speed limit, and won't even risk running through a yellow light? So
far, the number of your accidents and traffic incidents may be low, but you may
not be as safe of a driver as you'd think.
Distracted driving is becoming a significant problem with drivers of all
ages, and it's much more than just talking on the phone or texting while
driving. If you spend most of your drive thinking about the office, changing songs
on your iPod, or just plain old zoning out, that is distracted driving. The
issue of distracted driving is more complicated than people previously thought,
and the innovations meant to fix the problem aren't helping. A recent study has
that hands-free phones and communication systems aren't any less
distracting than cell phones. Some experts even think that they cause more
problems, because these devices create a false sense of security. Our auto mall at Springfield
see distracted driving become a problem of the past! Don't become a statistic
and let yourself become distracted while you drive. Be sure to follow these tips
from us at Autoland to stay safe:
worries outside the car
Are you trying to figure out how to handle a work crisis? Did you have a
fight with your spouse or kids? There are excellent times to think about these problems,
but none of those times should involve driving a vehicle. If you want to combat
distracted driving, do your best to limit any emotional distractions before
getting behind the wheel.
A lot of people rely on GPS devices to get where they need to go these
days, and driving has never been easier. It has also never been more dangerous.
The more time you spend looking at your GPS and adjusting routes, that's less
time your eyes have for the road. Don't just enter in an address and hop in your
car when you need directions. Load up your route, and take a minute or two to
read it over. Doing this can help you anticipate where you need to go, and can
keep you from being surprised if something comes up.
distracted, pull over
Is your kid calling when you're on the road? Are you hungry enough to
sneak a few bites from your salad? Do you need to fix your hair or adjust your
pants or shirt? It doesn't matter what you have to do. If you're behind the
wheel and need to do anything other than focus on the road and operate your
vehicle, please pull over and do it. A split-second's diverted attention can
cause a variety of problems and, quite frankly, whatever you're doing isn't
worth an accident. If you pull over when you need to do something else, you
won't have to worry about risking your life (or someone else's).
Labels: Springfield Auto Mall