How to Buy a New Car and Not Get Ripped Off

As a long time time Car Salesman for a majorwith. So what do you do now?
Dealership I can tell you that there ARE some ways toYou should always ask to see the invoice on the
make sure you're getting a good deal when buying avehicle. This will show what the MSRP or "Sticker
new car, and, there are ways to help ensure thatPrice" is and should also show a discounted price that
you're not getting ripped off.would be what's called Dealer price or cost. If it's a
The very first step when contemplating the purchasereputable Dealership they won't have a problem
of a new vehicle is to narrow your search to reputableshowing it to you. If they are reluctant... go somewhere
Dealerships. Ones that have been in business for 10+else. Dealer invoice price or cost is not only what a
years or longer is a good start but the longer theDealer pays for the vehicle it's also his overhead. It
better. Next, you should check the Better Businessincludes the per unit base salaries and commissions of
Bureau reports. They rate businesses on an A - Fthe Manager, the Sales person, the admin support
scale. Anything short of an A rating and you shouldpeople, the building expenses, the taxes, and
look closely at the complaint section. If you see thingseverything else it costs to run a Dealership right down
like advertising or contract issues - shy away. Ifto the lighting bill. So, it is the break even point for a
they've had just a couple of complaints but resolvedDealer; he doesn't make any profit but he doesn't lose
them to the customers satisfaction then they'reanything either. Manufacturers incentives can make a
probably doing what they can to make customersprice come down below his invoice cost. So, how
happy. Keep in mind that there are always thosedoes the Dealer make any money? Well, when
people out there who are never satisfied no mattermanufacturers get the sales info they reimburse the
what.Dealer back up to their break even point but they also
The next thing you should do is decide on the specificgive them what is called "hold back".
vehicle you want. You can go on any vehicle"Hold back" is an amount that the manufacturer will
manufacturers website and "build" the car of yourgive a Franchised Dealer when they achieve certain
dreams. Once you do this, print it off, and call around tosales goals. This can be as much as $600 to $700 per
see if any dealerships have the one you want. You willcar and more. That's one way they make money. The
probably get some "no buts" ie. "we don't have thatother is by selling used cars which typically have a lot
one but we have this one..." That may not be all thatmore "mark up" than new. Buying a used car and not
bad for you if it's close to what you want and here'sgetting ripped off is beyond the scope of this treatise
why...and I'll cover that in another article. I'll also cover how to
Dealers have "older stock" vehicles on hand most ofget the lowest loan or lease payment on your vehicle
the time. These are cars and trucks that have been inat a later date but at this point I'll just say shop around.
the inventory for a couple of months or longer. There'sInterest and lease rates can vary greatly from one
nothing wrong with them but customers have justInstitution to another.
bought others. Dealerships have to pay taxes andSo, what should you really expect? Given what I've
other overhead items to keep the vehicle in inventory.said above anything under invoice (Dealer cost) really
The longer it sits the more it costs the Dealership toand you should be getting a good deal. Obviously the
keep it there. These can be great bargains. It may notlower under this figure the better but they don't have
be the color you want or even have all the bells andmuch room beyond that. 1% under invoice is a good
whistles you planned on (sometimes they have more)target figure but occasionally you can get lower - like
but if you can be what we called "color blind" or "optionfor an older stock vehicle.
flexible" in the business they can be a steal. I've seenBe prepared to walk away at any time if things "just
some vehicles marked down 10 -12 thousand anddon't seem right". Many Dealers will let you walk all the
more just to move them.way out to the parking lot or even call your cell phone
After you're pretty sure of what vehicle you'd like,as your driving away to say "OK". Keep in mind though
flexible or not, it's time to go to the Dealership. Expectthat all the Dealers pay the same for the cars and
to spend at least a couple of hours to narrow downthey all have the same manufacturer's discounts. You
which one you'd like, test drive it, and get the numbersmight save a couple of dollars more at another Dealer
on it. The average time from arrival at a Dealership tobut do you really want to go through that whole 3-5
driving your new car away is 2.5 to 5 hours so allowhour process again?
that and you won't get as frustrated.To summarize:
O.K. let's get to the numbers...- Pick a reputable Dealer
You've picked out the car you want and now the- Check the invoice
salesperson walks over to you with a long sheet that- Shoot for an "under Dealer cost" figure
has numbers on it he and the manager put together.- Be prepared to walk away and go somewhere else
Never, ever, accept what we called in the businessif you have the time and inclination
"first pencil". These are the figures that you'll beI hope all this helps on your next trip out to buy that
presented with at first and I can assure you they arenew car of your dreams!
what the dealer hopes to get - not what he can live