Sound Advice from Jeff York

Whether you need a bigger car, a more reliable car or a more fuel-efficient car, now could be a great time to get into the car buying mode. But before you venture onto any vehicle buying web sites or set foot on a sales lot, follow these easy tips to help make the best decision.

Tip 1: Determine how much you can afford.

This seems logical, but the smell of a new car under the bright lights can cloud your budget judgment and it is all too easy to overspend. The “gotta have” feeling can be overwhelming. Affordability is more than just payment. You have to consider the cost of fuel, insurance and maintenance.

Tip 2: Shop for the best rate before you buy.

Most of us need to borrow money to buy a vehicle. If you are one of us, be sure to locate for the best loan rate before you begin your new vehicle quest. CoastHills will “pre-approve” you for a specific rate and loan amount without any obligation. That way you will know exactly what you can afford, and you won’t waste time and energy shopping for something out of your affordability range.

Tip 3: Select the type of vehicle.

With your budget figure firmly in hand, begin your search by selecting the type of vehicle (passenger car, SUV, pickup truck, etc.) Once you determine the type, consider all manufacturers. Each manufacturer will have detailed information on their website about safety, reliability and performance. Check them all and then make your final list.

Tip 4: Finding the perfect fit.

Car dealers used to figure that a person looking for a car would make a decision in two or three days at the most. Now, there is so much research available, buyers often take weeks to make a decision.  If you want it, the information is literally at your fingertips.  You can use online sites to find out technical features, price comparisons, and consumer reviews.  Once you have located a few vehicles that fit your criteria, test-drive each one of them.

Tip 5: Getting the best deal.

Be sure to get the total price of the car, including any add-ons features such as security alarms, exterior/interior protection coating, etc. There can be a big difference between the M.S.R.P. and dealer sticker price. Don’t be afraid to ask! And, speaking of asking, if you find what you want, we encourage you to tell the dealer that you want the CoastHills loan.   Our rates have never been lower.

While the process of buying a car can be daunting, you want to feel good about your purchase. There is nothing like the feeling of knowing you got the best car, for the best price.