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Car Buying Basics - Step by Step
 


The Top New Cars

(according to recent consumer survey)

1.   Best Car Overall: Lexus LS 460L

2.   Small sedan: Hyundai Elantra SE

3.   Family sedan: Nissan Altima

4.   Sports sedan: Infiniti G37

5.   Midsize SUV: Chevrolet Traverse

6.   Pickup: Chevrolet Silverado 1500

7.   Luxury sedan: Lexus LS460L

8.   Small SUV: Subaru Forester

9.   Family Microivan: Mazda 5

10. Green car: Toyota Prius













Whether you are a first time car buyer or this
is your 10th car and you are looking for a
great car deal, there are some important
steps to take to ensure the car you buy is
worth your time and hard-earned money.
We'll take an in depth look at new and used
car buying and get to the bottom line on hot
cars you can buy right now. Plus, save you a
bunch of money along the way!  This is a
good time to think about questions like:
What's hot in cars right now? Which
car's are in the Hot 10? How can you get one
of the hottest cars on the market at below
book value?

          Pmbbay.com


So what's hot in cars right now?  We'll find
out at pmbbay.com For starters, small cars
that are fuel efficient are definitely hot. The
days of riding in huge SUV's and Hummers
with 100 dollar plus gas fill-ups may not be
over, but, small cars are definitely making a
comeback worldwide due to the high cost of
gas. Car makers like GM are definitely taking
note to the trend of consumers switching
from larger cars and SUV’s to smaller and
mid-size cars that save gas. GM recently
“ramped up” production of small cars
to meet the increasing demand.  



So what should you do first now that
you’re ready to buy a new or used
car?

A good first step to buying any car is to think
about your financial situation carefully and
set a car budget based on what you can
realistically afford. Don't forget to consider
the cost of car insurance, tax, car tags,  car
repair,  car maintenance and title fees.
Sports cars, younger drivers and higher
value cars tend to get taxed with higher
insurance premiums. Additionally, you’ll pay
taxes on the car you purchase.  If you buy a
car that requires you to make monthly
payments, Financial experts recommend
spending no more than 12 to 15% of your
after-tax monthly income for car payments.
To calculate how much car you can afford,
multiply your monthly net pay (take-home
pay after taxes are deducted) times 15% (.
15). Your car payment should not exceed
this general guideline.  Once you know your
car budget, you can begin to narrow down
your search to those cars that are within
your means. Really crunch the numbers, it's
a good time to determine whether you are in
the market for a used or new car.
Obviously, new cars are more expensive
than used ones. However, they can provide
many more years of service when compared
with used ones and most are covered by car
warranties. On the other hand, used cars are
more affordable and may not last as long as
a new car. However, there are
used cars out there that are extremely
reliable and hold there value. For example,
Consumer Reports recently reported that the
Honda Civic, Toyota Corolla, Prius are
among top used car choices. On the luxury
end Mercedes Benz cars are known for their
longevity often logging in more than 300,000
miles and lasting for many years.When
buying a used car, it makes sense to find out
whether or not car parts are easily
obtainable on the markets should you need
to take it in for repair. It pays off to check  
Auto Parts stores and ask them if parts are
available for the used car you’re interested
in buying... continued on