Buying your first car?

If you are buying your first car, you would need

• License: You need license. 
• • In Georgia (GA) if you want to buy car either you shd have GA license or the Car shd be registered in GA.
  • Check dmv.org to find what rules exist.
• Money: If you are get a private party car you need to do down payment..
• • Credit cards - they sometime give money at 1.9%. call customer service and ask the cheque in favor of your name.
  • • Word of caution - make the card to 0$, i.e. pay off all your credits, before you lend.
  • DCU.com - they are giving at 5.25% and they can sanction 120% of car value.
  • • They would need a copy of your paycheck!
    • and if private party they will need intent to sell form filled by seller.
  • Dealers- they can directly get you money from their associated banks - expect like 7-9% apr
• Tax - Check state tax rate
• • Some states like GA dont ask for tax if you buy from private party. so look for such rules in dmv.org...as you can save some.
• Car search:
• • search for local news paper...and search classifieds
  • search programmed car sales like hertz,avis...they start at 8-9000.
  • carmax - if u find one - they also start at about 9000.
  • search websites: autotrader.com/edmunds.com,cars.com,
  • search craigslist
• What to check while searching consider cars
• • which dont smell cigarette
  • power window, lock
  • keyless would be a plus
  • dual air bags - as it reduces your insurance
  • cd/mp3/bluetooth player - i hate to say that i dont have one.
  • Timing belt – if car needs a timing belt…it would cost you 500 – 800$.
  • Fuel economy – gas price is soaring…need to consider it.
  • Try to search model in google to see if it had any problems…like ford Taurus 91 had 1000’s of problem….
• Car value:
• • get the car value at kbb.com and edmunds.com
• Car history:
• • carfax.com they charge 25$ for unlimited enquires for a month.
  • you will need VIN# to check this.
• Car check: if you are not buying at carmax/hertz...its advised to go for a car check.
• • firestone does 20 point check for 19.99$
  • if you want complete engine check they charge about 127$
  • midas/grease monkeys/good years also offer something simillar
• papers: 
• • while buying, the seller will sign title on your name.
  • apart from it you would need bill of sale form to be signed.
• Deal time: when you are taking the car make sure you get
• • both car keys
  • manual
  • remote if equipped to player
  • car spare tire and jack
  • any service records they have
• Warranty: If you buy through dealer, he will generally offer you warranty. It would cost something like this
• • 2 years/24000miles – 1000$
  • 3yrs/36000miles – 1250$
  • If you buy thru private party you can get warranty’s at dealers/AAA.
• insurance:
• • try esurance.com, amica, costco
  • If you already have insurance then you can save. So, try to add your name to a friends insurance.
• lease:
• Leasing is another option. Sometimes it's a wiser option than buying. 

Wishing you a fast,reliable,economical,hassle free  car deal.