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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. To qualify for the special rates, you may be
required to make a large down payment. With these
conditions, you may find that it’s sometimes more
affordable to pay higher financing charges on a car that is
lower in price or to buy a car that requires a smaller down
payment.
Before
you sign a contract to purchase or finance the car, consider
the terms of the financing and evaluate whether it is
affordable. Before you drive off the lot, be sure to have a
copy of the contract that both you and the dealer have
signed and be sure that all blanks are filled in.
Some
dealers and lenders may ask you to buy credit insurance to
pay off your loan if you should die or become disabled.
Before you buy credit insurance, consider the cost, and
whether it’s worthwhile. Check your existing policies to
avoid duplicating benefits. Credit insurance is not required
by federal law. If your dealer requires you to buy credit
insurance for car financing, it must be included in the cost
of credit. That is, it must be reflected in the APR. Your
state Attorney General also may have requirements about
credit insurance. Check with your state Insurance
Commissioner or state consumer protection agency.
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Trading
in Your Old Car
Discuss the possibility of a trade-in only after you’ve
negotiated the best possible price for your new car and
after you’ve researched the value of your old car. Check
the library for reference books or magazines that can tell
you how much it is worth. This information may help you get
a better price from the dealer. Though it may take longer to
sell your car yourself, you generally will get more money
than if you trade it in.
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Considering
a Service Contract
Service contracts that you may buy with a new car provide
for the repair of certain parts or problems. These contracts
are offered by manufacturers, dealers, or independent
companies and may or may not provide coverage beyond the
manufacturer’s warranty. Remember that a warranty is
included in the price of the car while a service contract
costs extra.
Before
deciding to purchase a service contract, read it carefully
and consider these questions:
-
What’s
the difference between the coverage under the warranty
and the coverage under the service contract?
-
What
repairs are covered?
-
Is
routine maintenance 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
are the cancellation and refund policies?
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