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Car Buying Tips
A “4 square” is simply a sales tool used by many car dealers. We will discuss how this works a little later. For now, it is important to understand that buying a car isn't one negotiation, it's many: the price, trade-in value, monthly payments, down payment requirements, and the financing. It is important to understand that just because a dealer is making a profit, there are still products and services they offer that are of value to you. Some examples would include: Extended Warranties,
Credit Life insurance & Disability insurance, Gap Insurance, Alarm Systems and other aftermarket products. Be sure to choose the ones that are right for you, but make sure you know how much you are paying for each, and don’t pay too much. The idea behind the “4 square” is to help the dealer satisfy you in one area, while maintaining profits in the other. That's why dealers can sometimes sell cars for "a loss" and still make thousands on each car deal – be sure to pay very close attention to the entire process. The idea of the “4 square” is to get you to focus on only one area of the sale and not look at all four. You must make sure you know what is happening on all four corners of your car deal. Here are the 4 things that make up a car deal.
- The price they are asking for their vehicle
- The dollar value they are showing for your trade
- The amount of down payment you need
- The total monthly payment (including all options, Tax, title and fees)
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Several valuable resources for Life Insurance can be found on this site...
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The hard truth is that you will always be at a disadvantage when shopping at a car dealership. You are a part time buyer, and the sales professional is a full time sales associate. If he is a professional, he is likely to win at any “game playing” you get involved in. Arm yourself with as much information as possible before going shopping. This should help to even out the odds a bit.
The first thing you have to understand is what the dealer is trying to accomplish, and why. Games starts even before you visit the dealer, either on-line or in person.
Open a Sunday paper, for example, and just look at the dealer advertisements: They promise super low payments, top dollar for your trade-in, and the best prices in town. But, as with most selling, “buyers beware”! The simple truth is that dealers are always having a “Big Sale”! That's because consumers automatically translate the word "sale" into "save." Dealer advertising is designed to get you to shop today! They want you to drop everything and rush down in a fit of excitement without stopping to think.
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Additional commentary and news regarding
Life Insurance
can be found
below... |
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Many dealerships have their sales people practice what are called “Word Tracks”. Word Tracks are pre-rehearsed statements that sales people learn, that help them respond to commonly asked customer questions. A "Word Track" system is a sales training program designed to put every customer through similar sales steps with the goal of closing that customer for the maximum dealer profit.
The dealers goals are always the same: They want you to pay full sticker for their car. They don’t want to negotiate - only you do. Do you want to spend $300 a month? A savvy seller will get you to pay $400. If you refuse, he will simply switch you to a different car for $300 per month, but it will be a car you could have bought for less. Your job is to negotiate a “fair deal”. A “fair deal” is simply a price and payment that you are willing to pay, at a price and payment the dealer is willing to accept. Easy right … Not quite…
Be aware that car manufacturers control their inventories with the use of incentives such as rebate and special rates. The higher the incentive the more of that product they will sell. This insures that they sell the inventory they sell. These incentives will change throughout the year, depending upon shortages or surpluses of inventory. An incentive is anything that adds extra value to a car. For example of a car list for $30,000 and has a $4000 rebate, then the car is really selling for $26,000. In another example, a car that sell for $30,000 at a 7% interest rate would have payments of around 595.00 a month. The same car at 0% would have payments of only 510.00 a month. This is a huge saving to you. Find out what vehicles have what incentives. This could save you thousands! Check the Edmunds.com Web site for the latest incentives and rebates available for the car you want to buy.
| Ray Corbett |
Editor -
Life Insurance
Facts,
Information
Resources And Benefits
| More Links And Related Information For Life Insurance |
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The Single Most
Effective Method
You Can Use To
Do A FAST
Cost Or Benefits Comparison
That Will Save
You Both Time
And Money... |
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Just
as a
search
on
Google
connects
you
to
the
information
you're
looking
for,
'Ads
by
Google'
provides
links
to
products
and
services
that
are
relevant
to
your
Life Insurance
search
results.
Recent
studies
have
shown
that
the
click
through
rates
of
organic
search
engine
results
and
the
click
through
rates
of
ads
are
virtually
identical!
Since
click
through
rates
are
to
some
degree
an
indication
of
customer
satisfaction,
this
is a
remarkable
statistic.
As a
result
of
these
studies,
our
pages
have
been
optimized
to
bring
you
only
the
most
relevant
and
informative
links
from
Google
for
websites
pertaining
to
your
Life Insurance
search.
Some
of
these
resources
are
listed
below... |
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The Four Most
Important Things You
Need To Know About
Life Insurance That
Could Save You
Time And Money!...It's
All About Integrity
And Service. |
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1.)
Is the website reliable? A high search engine ranking usually indicates a website of substance and quality. Search Engines don't rank sites for integrity. However, they do rank them for the overall accuracy and relevancy of the sites' content, and this it what is important to you.
Also, it
never
hurts to
check
with the
Chamber
of
Commerce
to see
if there
are any
complaints
from
former
customers. |
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2.)
What is the website's Privacy Policy? All trustworthy websites have a Privacy Policy statement that states their legal position with regard to the use of your name and personal information. The privacy statement is usually located on the home page at the bottom navigation bar. You do not want to provide your email address, only to be constantly spammed by a company's email advertising campaign in the future. What's worse, some disreputable companies sell the email addresses they have collected to other online companies, including porn sites. Read the Privacy Policy carefully before you provide any detailed personal information.
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3.)
Does the company have a Terms Of Service agreement on their website?
After you have selected a
Life Insurance
Website, read their Terms Of Service Agreement, usually located in the bottom navigation bar of the home page. This agreement will cover the responsibilities of the
Life Insurance provider if you choose to
use
their
products
or
services. If you don't see a terms of use or service agreement on the home page, ask for a copy to be emailed to you. |
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4.)
Does the firm advertise with Google, Yahoo or MSN? Simply advertising with one of these search engine giants isn't a guaranteed a seal of approval. However, no
Life Insurance
website can advertise with the above companies without first being accepted as a client. The main criteria for all search engines is relevancy. Their advertisers must provide quality information related directly to the consumers' search
objective.
All
major
search
engines
have
rules
for
their
advertisers
to
attempt
to
prevent
fraud. |
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While
following
the
above
suggestions
will not
guarantee
that you
are
dealing
with a
reputable
company,
it will
increase
the
odds.
Anything
you can
do to
prevent
being
ripped
off by a
potentially
unscrupulous
company
is
definitely
worth
the
effort,
since
you
could
easily
save
yourself
and your
family
hundreds
or even
thousands
of
dollars
by
dealing
only
with a
reputable
company.
Consider
some of
the
resources
on this
site and
check
them
against
the
rules
above.
Step #4
has
already
been
done for
you, as
all of
our
listings
are
clients
of
Google.
Most of
the
information
you need
to check
- other
than
rule # 1
above -
can
usually
be found
on the
first
page of
the
site...simple
and
fast.
It's
worth
the
little
extra
effort.
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Finally,
and most
important,
the most
accurate information
for
Life Insurance
is based on many
variables and can
vary
considerably.
Check
with several online
resources to insure
that you are getting
the best information
possible for your
situation.
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