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What info do I need to have all ready and prepared to take to the dealership to get the best deal on my new car purchase? Have a question or want more information, go to http://www.askpatty.com/ask_patty_advice.php

Answers from the Automotive Experts

Shelly LoCascio, Dealer Principal  at Irwin Lincoln Mercury Mazda Jemmy, You should go online to get an idea how much the car you*re interested in sells for. You can check the dealers website to see if there are any extra manufacturer incentives or rebates. KBB.com can give you an idea what your trade in is worth. Shelly

Jenny: I would suggest that you familiarize yourself by visiting the manufacturer*s website first (Saturn.com in this instance). Then I would probably check a few other sites to familiarize myself with the pricing (edmunds.com or carsdirect.com). But MOST important is that you select a reputable dealership. This will be the place that you return to for all of your service needs (I highly recommend that you do) and you want to ensure that you feel comfortable doing business with them. There are websites that you can visit that will also let you read what other people are saying about the dealerships (dealerrater.com and edmunds.com). Be sure and search for an Ask Patty Female Friendly dealer near you as well. You can do this right on Ask Patty by searching with your zip code. Ask Patty can also help you find out information about the vehicle you're interested in as well on the main page. Hope this helps!

Jessie L Thatcher, F&I and Sales Specialist at Reynolds and Reynolds Company  (Retired) The best way to approach your local dealer is to be completely prepared. Research the vehicles you are considering on the internet. Know what options you want on your new car, including the Make, Model, Type (2 dr/4 dr. etc.) what engine you want, if you want a gasoline powered or one of the new hybrids and what interior options are important to you (power windows, cruise control, cd player, sun roof, and more). You can identify these during your online research. If you use one of the on line sites such as Edmunds.com or Kelly Blue Book.com you can get a very good idea what the cost of the vehicle might be and decide how much you are willing to pay. Most importantly, check your credit on one of the On line sites such as Free Credit Report.com so you will know if there are any issues that can be resolved before you apply for a car loan. Know exactly how much you can afford to pay each month and don*t exceed your budget, it is easy to get excited about the car and forget about the budget. Also know how much down payment you can have at time of delivery. Research the wholesale value of your current vehicle if you are planning to trade in the car. Some states give you a tax break if you purchase a new car and trade in your old car, be sure you know if this is the case and factor that into your trade in value. Know if you have a payoff on your current car. Call your bank and ask what the payoff would be. This amount will have to be settled, either by you or by adding the amount into the new loan. Check your own bank or credit union to see what they can offer you on a new car loan, before you go to the dealership. If you are not happy with what the dealership is offering you, do not hesitate to tell them and if all fails... leave and go to another dealer until you are satisfied with the vehicle, the terms of a loan, the allowance for your trade and any other requirements you have researched BEFORE you entered the door. If you do all your research, know what you need and want and have your financial house in order it should be a breeze to get that new car. Good Luck.

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