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Is it better for a woman to buy a new car vs a used car.. I'm looking at a used Camry vs a new Scion xB or Corolla. I'm alone without a man....

Answers from the Automotive Experts

Joy Sherman, Owner  at Ms. Motorcars There are many used vehicles out there that are decent cars. I would stick with a newer used car, one with a certified warranty or one that has balance of factory warranty left on the car. Look up the most reliable models and choose from there. Good Luck and have fun shopping! Joy Sherman, Ms. Motorcars

Patty Streeter,  at AskPatty.com Pixie, This all depends on yoru personal financial situation and your needs. We have written some articles aboutwhat to do when you are looking to buy a new car or a used car. Check out these articles and see if they help you with your decision: Have a Great Car Buying Experience: 8 Great Tips for Women Car Buyers According to industry statistics, women buy more than half of all cars, and influence more than 85 percent of all vehicle purchases. As a woman, you already know that many of the household purchase decisions are in your hands, either by deciding or helping a loved one to decide. Despite this, typically, women are viewed at a disadvantage during negotiations – but if you’re in the market for a new vehicle, you can arm yourself with the following tips! Do your homework. The internet is full of information that you can use to your advantage when purchasing a new vehicle. Not sure what you want? You can use the Internet to research cars that will best fit your needs, budget and lifestyle. Already know what you want? Get information on the pricing! Finding out the invoice price (what the dealer paid for the vehicle) and the sticker price (what the dealer wants you to pay) will give you an idea of how much wiggle room you’ll have when talking to a salesperson. Research a dealer’s website before you visit. Find out whether they have the vehicle you want on the lot. You can also get a great feel for the dealership itself by reviewing its virtual lot. Looking to trade? Run your vehicle through the Kelly Blue Book calculator (or another online trade appraisal guide) to get an idea of its value. When doing this, be honest about the condition of your vehicle – this is your key to getting a fair value for your trade-in. Know your situation. Call your bank or credit union and find out what they can do for you for financing. Get a copy of your credit bureau and find out what your score is. Having these financial aspects already on your mind is helpful when you get ready to finance your vehicle. Ask for recommendations. Ask friends, family and co-workers whether they were satisfied when they bought their last vehicle. This can give you a key to which dealerships are worth your time and which are not. Find a dealership that you are comfortable with. Take a walk through the service and parts departments of the dealership you’re considering purchasing from, as well as the customer areas and showroom. The actual purchase of the vehicle is a small segment of the vehicle’s life – chances are that you’ll spend much more time in the customer areas for service and parts! Don’t be afraid to shop around. One of the most frustrating aspects of being a female car shopper is when a salesperson spends more time addressing the male friend or family member you brought with you. Similarly, if you are harassed or demeaned by a salesperson, whether directly or not, don’t put up with the behavior. You have the right to ask to speak to a manager and request another salesperson. If this fails, or if this isn’t an option, find another dealership! Know what you want – and what you want to spend. Each new vehicle on the market today comes with a dizzying array of add-ons. Options and Packages These options are a great way to get exactly what you want on a vehicle, but will sometimes add to the purchase price of the vehicle. Know what features you really want, and don’t be afraid to decline on the ones you don’t. Be involved. If you’re trading in a vehicle, ask your salesperson (or the person performing the appraisal) to do a walk-around with you. During this, they will point out any issues they see with your trade (including rust, scratches, spots in the paint, etc.) If you’re given a quote for your trade that is vastly different from the value you found through Kelly Blue Book (or another online appraisal guide), it will give you an opening to ask how the figure was arrived at. Don’t feel pressured to purchase on the spot. Frequently, if you finance your purchase through the dealer, they will offer extended warranties, as well as add-on protection plans. Ask how long you have to make a decision for these plans. Many of these plans can be purchased through the dealer up to thirty days after you purchase your vehicle. Take home the paperwork and consider whether this plan will be worth it to you. If you keep these tips in mind, your next car buying experience should be a breeze. Good luck! Heather Conary is a founding partner of Illumination Design Creative Services, based out of Orrington, Maine. She also works at Downeast Toyota-Scion-Buick in Brewer, Maine, serving as a creative consultant to the management team. Heather is currently attending the University of Maine’s Orono campus, working towards a Bachelors degree in Business Administration with a concentration in Marketing. She also plans to continue, and obtain her MBA. Heather has published articles in AutoSuccess Magazine, an automotive trade publication, as well as online at SitePoint and SEOChat. These articles demonstrate her knowledge of both the automotive industry and of marketing tactics and design strategies. The 8 Steps You Need To Take, To Purchase A Great Used Car! by Amy Mattinat, Author of "How To Buy A Great Used Car" Shopping for a used car can be intimidating, stressful and a down right unpleasant experience. But it doesn’t have to be that way! It can be a fun experience if you have the information you need to find a great car and then negotiate a great deal. Buying used instead of new can save you a lot of money! In addition, you will have more choices. You can pay less and get more bells and whistles (power window, power locks, power seats, heated seats, sunroof, cruise control, CD player, etc.) with an older vehicle, or for the same amount of money, purchase a basic model and get a newer car. 1. The first step down this road of becoming a Successful Used Car Shopper is doing your Homework! Know what you’re looking for before you even step foot onto a car lot, start looking in the newspaper or on the internet. Here are 8 items I’d like you to consider as you compare what you want vs. what you need! Don’t let your emotions take control in picking out your car. What you need and can afford will make a much better “relationship” between you and your car. That beautiful, 2-door sports car that no-one wants to work on and parts are hard to come by can turn out to be more of a headache then the right car for you. • Think about your space considerations. How many people or what type of cargo do you need to transport on a regular basis. • Think about what type of regular driving you will be doing. Will it be highway, city stop and go, paved roads, or dirt roads? • Transmission: Automatic or Manual? (Automatic transmissions are easier to drive in a city, (traffic jams, etc.) But they consume an average of 1.3 times more fuel than the same car with a manual transmission.) • Two-wheel drive or four-wheel drive? (As soon as you put 4-wheel drive into the equation you have added a couple thousand dollars to your budget and extra maintenance costs. If you can do without it, buy great winter tires instead and you will get a better quality vehicle for your budget.) • Main concerns: safety, reliability, price, four-wheel drive? • Options: air conditioning, sunroof, cruise control, side air bags, ABS brakes, power locks & windows? • Seat Covering: vinyl, cloth, leather? • Do you have a specific make or model in mind? 2. Six Ways to research what kind of make and model to consider: • Start looking around at what vehicles you most often see on the road and make a list. If there is an abundance of a certain vehicle, it can mean it has a good track record. • Ask your trusted mechanic for their opinion of a safe and reliable vehicle that meets your criteria. You can also go to J.D. Power and compare four vehicles to each other. • To find out how the vehicle did on a Crash Test go to the Insurance Institute of Highway Safety. • If fuel economy is at the top of your list, you should find out the city and highway average miles of any vehicle. • If you want to know about recall records of vehicles sold in the US you can look up recall records online. You will need the VIN number, (vehicle identification number) that can be found on a metal plate on the dash, on the driver’s side, near the windshield. • If you want other vehicle owners’ opinions regarding various makes and models, go to Epinions. I find this website very informative and fun to read! 3. Next on your list is “How Much to Spend!” You need to find out how much you can afford per month on this car? This needs to include car payments, gas, maintenance, and insurance. If you’re taking out a loan, now is a good time to get pre-approved. This will help to determine the year and mileage you can afford. Check out a variety of lenders and compare. Make sure you understand the following information regarding loans before you sign any documents: • The total amount of loan you can get. • The interest rate (the APR - annual percentage rate). • The finance charge (the total dollar amount the loan will cost you). • How many payments you will make. • The amount of each monthly payment. Here is a very important point to remember: Most used cars are sold because the present owner doesn’t want to put anymore money into it, whether repairs or maintenance work - it almost always needs something! Figure anywhere from $300.00 - $500.00 for a 2-3 year old car, $500.00 - $1,500.00 for a 4-6 year old car and $15,000 - $2,500 for anything older than 7 years. So you need to subtract the cost of repairs and maintenance that will need to be done right away from your total budget! If you are feeling really stressed out that you don’t have enough money to afford a car, and absolutely need one, Go to online to find out who to contact in your state regarding low income car ownership programs. Make sure you know your numbers! Total amount you have in hand, subtract the estimated initial repairs needed make the vehicle safe and reliable. Subtract the registration and sales tax and subtract the yearly cost of insurance and you get the total amount you can afford to offer the seller. Take this total number and break it down to a monthly amount. Does this work with your monthly income? If it doesn’t, rework your numbers. It’s best to take the time now before you have spent any money. If the number does work, give yourself a pat on your shoulder for a job well done! Write this down on a note card and carry it with you!!! In the “heat of the moment” you may need this card to bring you back down to earth! 4. Research the prices of used cars. Go to www.nada.com to see what the going rate is for the various makes, models, year and mileage. This is where the dealers and banks all get their dollar figures. All this information should give you a range of years, mileage, makes and models to choose from! 5. Start “trying different cars on for size” Do this with the attitude of “window shopping” and don’t let your emotions carry you down the road permanently! This is all about investigating how comfortable the seats are, is there enough room for all your “stuff,” is there enough room for your partner, children, dogs, instruments, etc. How does the car feel when driving? Do you have good visibility? Don’t worry if it is not the right color, or if this particular vehicle runs poorly. This is all about finding the vehicle that fits! 6. Time to start searching “for the one!” There are many different places to look for a great used car: New car dealers, Independent used car dealers, the internet, newspaper want ads, seeing the car on the side of the road with a “for sale” sign the window, car rental agencies, and bank and loan auctions. They all have their pros and cons. The main thing you want to look for is a solid vehicle with no rust, that hasn’t been in an accident, and has a solid engine. If you find a vehicle you like and it needs: brakes, exhaust, tune-up, timing belt, struts or shocks, don’t let it scare you away. This type of work needs to be done on a regular basis and once done; the vehicle will be safe and reliable. 7. Questions to ask that will help you to determine if a vehicle is worth your time to go look at. Make sure you write down the answers and bring them with you! • Is the transmission Automatic or Manual? (If the transmission is not what you want, there is no need to ask further questions.) • Do they check over the used car thoroughly before selling it? If they find anything wrong with the car, do they fix it? • Has the vehicle had any repairs recently (example: brakes, tires, exhaust, battery?) or service… if so - what garage performed the work? Can they continue to service your car after you purchase it? • Has the vehicle been repainted and if so why? • Has the vehicle been involved in any accidents? • What is the condition of the vehicle’s body? Is there any rust? • Can you take one of their cars to another Mechanic to have it thoroughly inspected before you offer a price? • What kind of warranty do they offer? Is it in writing? • Can they provide you with a list of satisfied customers? • What price are they asking for the vehicle? For a Private Seller, ask the same questions you would ask any dealer that are applicable, plus the following questions... • Are they the original owners? (most original owners tend to take good care of their cars) • If not, how long did they have the car and where did they purchase it? • How many miles has the vehicle been driven? ( the average amount is approx. 10 to 12 thousand miles per year) • How often was a Lube Oil & Filter performed? (3000 miles is the average for mixed driving, 5000 miles for cars that do a lot of highway driving.) • Can you see all the service records from all the work done to the car, including oil changes? (This will verify how well they took care of the vehicle) • Why are they selling it? (If they are purchasing the same make of vehicle, that will tell you it was a good car for them) By asking these questions, you’ll gain the information that you need to decide if you should even look at the car. If you like what you see - then it’s time to do a preliminary inspection. The information you get from your phone call along with a road test and inspection of the vehicle will verify or falsify the information you were given. 8. When you go to look at a car, you need to have a checklist to fill out to see if the vehicle you’re looking at is even worth considering, and a check list for you to take with you and fill out on your test drive. You can find them all over the web, or go to my website at www.usedcarexpert.com and download my 96 page book for $14.95. Along with a step by step guide to purchasing a great used car, it also contains an easy to use 5 page spreadsheet for inspecting the vehicle and a 2 page spreadsheet for “the test drive.” Just read the questions and answer yes / no and you will know if this vehicle is even worth pursuing. I’ve also included a 16 page checklist for you to take to a Professional Mechanic” to do a detailed inspection on the vehicle. Not all mechanics are as thorough as you need them to be to uncover the secrets of your potential new car, so this checklist makes sure your vehicle gets the in-depth inspection it needs. I’ve also included helpful hints in negotiating your deal, information on various warranties and helpful tips on what to do with your old vehicle? Again, the way to find a great used car is by doing your homework. When you are all finished I want you to know more about the vehicle then the previous owner does. This is the key to negotiating the deal of the century. It’s cheaper for a dealer to repair the vehicle in-house then to lower the price. If they will do the work needed you are still saving a bundle, because you won’t have to do this once you purchase the vehicle. Most private sales have no idea what condition their vehicle is in. If you disclose all the repairs and maintenance the vehicle needs, they tend to get embarrassed and lower the price to get it off their hands. If you take the time to research and investigate you will be in control of the buying process, have a good time negotiating the sale, and have a safe, reliable vehicle to drive for years!

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