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  3. Have you ever dreamed of owning your own car7 Imagine driving down a tree-lined street with the windows down on a sunny day, a w

Have you ever dreamed of owning your own car7 Imagine driving down a tree-lined street with the windows down on a sunny day, a w

admin2010-10-14  53
问题     Have you ever dreamed of owning your own car7 Imagine driving down a tree-lined street with the windows down on a sunny day, a warm rush of air streaming through your hair... Okay, snap out of your reverie. Before you start mapping out the route to the nearest beach, you just might want to learn some valuable car-buying tips.
The Big Decision: New or Used
    The first thing you must decide before you begin your automobile research is whether you want a new car or a used car. Of course, there are benefits and drawbacks on both sides. If you decide to buy a used car, there are several things you need to keep in mind.
    First of all, there are more than 2 million car accidents annually and chances are if you are in the market for a used car, you will come in contact with at least one automobile that was in an accident. The most important thing about buying a used car is that you know everything about the history of the car, including:
    the number of previous owners
    if the car was ever involved in an accident
    any previous mechanical problems
    the maintenance history of the car
    One of the largest benefits of buying a used car is that you can often get a great deal and in many cases, the car you buy may even be relatively new. Successful used car buyers often are just as happy with their used car as new car buyers are with a new vehicle. But remember, the most common car-buying horror stories do involve the purchase of used cars. When you have a good idea of what kind of car best fits your needs and budget, you can begin your research on used cars.
The Internet is Your Best Friend
    Whether you’re buying new or used, there’s no doubt that the Internet is a great tool for your car quest. If you are buying a new car, you can research the kind of car you want, the options you need, the price of the car and the price of the additional options. If you’ve done your homework, you’ll be able to walk into a dealership armed with loads of valuable information.
What to Know Before You Go
About You:
    Before you start thinking about fun things like whether you want a convertible or a sports car, you need to do some self-examination. First and foremost, you need to examine your budget. You should set a reasonable price range for the car and begin to eliminate cars that are out of that price range. As a potential car buyer, you need to be realistic, don’t fantasize about a $ 45,000 car when your budget will just barely support a $ 22,000 price-tag. Also, remember that trying to figure out a way to buy a car that is outside your price range is really not a good idea. After all, it’s not much fun to have a car if you can’t afford to go places in it.
About the Car:
    When you figure out what car you want, there are some things you want to learn about the car(s)so that you can get the best deal possible when you’re ready to buy. You will need to know the average price of the car, so you won’t overpay. You can get a good idea of the base price(the price of the car without any special options)by visiting different dealerships and comparing prices and by using the Internet to get price quotes. You should also get an idea of how much the dealer will add on for various options like air conditioning, a CD player or anti-lock brakes. If you can, try to find out what the dealer price is and negotiate up from that figure.
Payment:
    Okay, so you’ve found the perfect car. Before you even think about purchasing it, you need to know how you’re going to pay for it. If, by some miracle in today’s economy, you have saved enough to pay for the entire car, you will not need financing. But most car buyers today make their purchase by paying a down payment and then financing the balance--making monthly car payments until the remainder of the loan is paid in full. Remember, that financing is a loan and as with all loans, you have to pay interest. Unless you don’t mind paying thousands of dollars in interest, you’ll want to make your down payment as high as you can afford. The low Annual Percentage Rates(APR)that dealerships and car companies advertise on television are the interest rates the dealer charges for financing. Often, those low rates are only for people with perfect credit or they are an introductory rate, meaning they will go up after a certain period of time.
Avoiding Common Pitfalls(陷阱)
    Car dealerships are a business. And, like any other business, they need to make money. Therefore it’s pretty reasonable to assume that car dealers are out to sell you a car and make the most money possible on the deal. As a consumer, you want to get the best product for the best price. To attain that goal, you must avoid the common and costly pitfalls of car buying.  Here are some points to ponder before you purchase:
    There are two times of the year in which you will get the best price on a car: the last two weeks of December and July to October.
    Competition gets you the best price. Know what other dealers are charging for the car and then the deal will be on your terms, not the dealer’s.
    Know your credit history and remember that it is illegal for anyone to run a credit check on you without your permission. Some car dealers actually ignore this rule.
    Don’t give the dealer your license or social security number.
    Cars that need to be ordered from the factory should NOT cost more than the cars on the lot. Don’t be fooled.
    Be wary of letting a car dealer locate the car you want from another dealership. They often charge you unnecessary fees.
    It is illegal for a car to have a missing MSRP or price invoice sticker.
    Don’t fall for advertising. Do your own independent research.
Getting the Best Price
    The thing that makes most car buyers nervous is that they know they are going to have to negotiate. Don’t be afraid of negotiating. If you go into the dealership with a very good idea of what you want and what you want to pay, the negotiating is up to them, not you. You’ve done your work and now the dealer has to work to get closest to the price you want to pay.
Low rates are sometimes an____________, meaning they will go up after a certain period of time.
选项
答案introductory rate
解析 题干中的“Low rates”应该与“Payment”有关，这样可定位于第3副标题最后一段，从该段最后一句“those low rates are only for people with perfect credit or they are an introductory rate”就可知道答案。
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