Used Car Loans / Bring a Wingman When You Buy a Car![]() Strength in Numbers Will Help You at the DealershipWhat do pilots, police officers and car shoppers all have in common? They work best with a partner — a wingman. Car buying is a difficult process for many people, and although there is an alternate online strategy that can save you much of the hassle, there are times when a trip to the dealership might be the best thing. That's when a wingman comes in handy. At some point in the purchase process, you'll want to take a test-drive. And, distasteful though it might be, you might need to negotiate or sign contracts in person. At times like these, it's better not to go it alone. But what qualities should you seek in the person who accompanies you? Not just anyone will fill the bill. Having the right person with you at the dealership can help you spot any inconsistencies in the deal, fend off pushy salespeople and create leverage in your negotiations. The Best Wingman Might Be a Woman The ideal wingman is someone who has a skill you can put to use. Maybe it's a friend who is knowledgeable about cars. Perhaps it's a sibling who is a fearless negotiator. Perhaps it's an in-law who isn't afraid to ask stupid questions. But the wingman emphatically does not have to be a man. Sometimes a car guy can be a liability, particularly if he falls in love with a particular engine or vehicle and inadvertently pressures you into accepting a car that may not best fit your needs. Whether your wingman is male or female, be sure to bring a person who can remain objective and has an eye for detail. Once you've picked your wingman, you'll need to establish who will do what during the trip to the dealership. If negotiating isn't your strong suit, have your friend handle that aspect while you focus on asking questions. On the other hand, if you're comfortable with negotiating, let your wingman ask the questions and occasionally chime in with an opinion. Your wingman should supplement the skills that might not be your strong suit. Stay in Close Formation Don't let yourself get separated from your wingman. If you do, you'll lose your strength in numbers. Consider what happened to an Edmunds editor and his girlfriend. They had completed negotiations for a car, but were forced to spend an excessive amount of time waiting for the dealership to get the contracts in order. As they made their way to the finance and insurance (F&I) office, the editor made it clear that they didn't want to waste any more time and that they were not interested in being sold any additional services. The F&I manager agreed, but the moment the Edmunds editor stepped out for a cigarette, the F&I team began to push such products and services as paint protection and an extended warranty on the girlfriend. They were clearly hoping she'd be easier to convince. If you will be test-driving the vehicle during your visit, start by having your wingman keep an eye out for any potential rip-off stickers as you review the car's features. During the test-drive itself, ask the salesperson to ride in the back. This allows you and your wingman to pay closer attention to the car. You might still get the sales pitch, but it is easier to tune out a salesperson when he's in the backseat, rather than at your elbow. Deploy the Lukewarm Wingman A wingman can help take some of the heat off you by talking down the car during discussions. Arrange to have him casually mention that he isn't that interested in this particular vehicle — whether he means it or not. Or he can say that he preferred that blue one you saw at the dealership across town. Follow your wingman's lead and express some concerns of your own. This will let the salesperson know that you have other buying options and it puts the pressure on him to make you a better offer. Remaining non-committal diffuses one of the salesperson's most effective weapons: the knowledge that you really want the car in his showroom. Review the Numbers Together When it's time to talk numbers, a wingman can either take over the negotiating for you or help spot any inconsistencies in the numbers. He or she can also be on the lookout for any financing pitfalls that you might encounter. While you're busy saying "No" to items in the F&I room, your wingman can make sure that the prices you've agreed upon are reflected in the contract. Pay close attention to any additional fees that appear and don't hesitate to question anything out of the ordinary. After the ink on the contract has dried, you'll be able to rest easy, knowing that your wingman got you a better deal, spotted an inconsistency or was simply there for moral support. Be sure to thank your wingman and remember what you learned from the experience. You might have to return the favor when it's her time to buy a car. |
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![]() Inexpensive portable navigation systems and even cheaper smartphone nav applications are making the pricey in-dash systems offered by automakers less attractive to many consumers. But some people prefer in-dash systems because of their larger screens and because they offer more features. Plus, you never have to worry about forgetting an in-dash system at home. Finally, prices for in-dash systems are starting to drop. ![]() Bluetooth is a wireless technology that allows two compatible devices to communicate. In the car, it lets you operate a mobile phone "hands-free," meaning you don't have to hold the device while making or taking a call or performing such functions as accessing the phone's address book. (Of course, you have to use your hands to operate certain Bluetooth features via the vehicle's controls.) ![]() Automotive sound systems are more complex now that portable media players, hard-disk drives and smartphones are along for the ride. But the basic radio/speaker setup hasn't drastically changed, even though more speakers and more amplifier power have been added over the years.
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![]() Sales of Ford vehicles increased 13.3 percent in June compared to the same month last year, and the gain was largely spurred by a strong showing by the carmaker’s Super Duty pickup trucks. ![]() Responsible consumers tend to have all their affairs in order – a steady income, plenty of savings and perhaps even an investment or two on the side. While these things are all positive, they ultimately won't get you approved for an auto loan – for that, you need credit.
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![]() Getting the Best Rates on Your Car Loan ![]() Identifying Your Target Cars & Arranging Financing ![]() There are certain people who seem to have X-ray vision, who can look at a business and see things that are invisible to other people. I bring this up because I have a friend who spotted something about used cars that I have never heard addressed by anyone else.
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