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In an effort to spread around the idea of saving money, especially for those of us who really don’t have much, once again, I will give some tips and ideas of what to do at the stores and car dealerships. There are a few tricks of the trade, so to speak. Here are a few more:
Tip: When buying a car, never..never..ever decide on the car based on the monthly payment. Uh uh. If you do that, they gotcha! They can tack on all sorts of extra fees and costs that they…opps…forgot to mention when you agreed to the deal.
Tip: Call several dealerships who have the car you want. Get them to fax or mail you the price sheet on that particular car. Then, armed with the information, go to the dealership and deal with them. The word is NEGOTIATE. That sticker price is NOT the final deal, no matter what they say. If they tell you it’s rock bottom, go out the door. Find another place that will deal with you.
Tip: Do some research on what car you want to buy. Then research the interest rates at which loaning institutions. When you know what and where, get pre-approved for your loan. This way, you control what and where, not the sales person.
Tip: If you want to go out and buy the latest fashions, find the place that has loyalty promotions for their store. Get to know your salesperson and glean info. Sign up for their store promotion mailers. Use their store credit cards, if you are willing to get them. They often give sales and promotions to the card holders only. If that particular store does coupons, grab them. If the store is nationwide or very large regional, go online and find the coupons.
Tip: Getting insurance can be somewhat troubling but it does not have to be. Get competitive quotes. Do not assume that the only insurance company that you can use is the one that came with the car or house. Shop for the best prices with the best options. Most people stay with the insurance company they had when they bought the house or the car. People do not tend to change. They lose a bundle of money that way.
Tip: Call the insurance agent and see if they have discounts available. Sometimes, when you have a great driving record or no accidents, don’t smoke, keep the house up or renovate, pay your premiums on time all the time, there might be discounts. Just because you asked a few months ago does not mean you can’t call again. New discounts and offers show up all the time.
There will be more from the Window Shopper sometime soon. Happy Shopping!!!
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