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 Welcome To InsiderCarSecrets.com  

Thanks for visiting my website! My name is Tony Iorio. I am a 37 year veteran of the car business. If you want to learn how to buy a new or used car at the lowest possible price with the best car financing available . . .without being badgered and ripped-off at every turn, then you're in the right place.

You will also learn how to trade a car even if you owe money on it, the best time to buy a car, How to try to get a car loan with bad credit, how to avoid problems when financing your car through a dealer, what goes on behind the scenes in a car dealership during a car deal and many other aspects of the car buying process.

You will find no theory here - only actual proven facts from my own hands on car dealership experience!

Most car dealers and car sales people are honest folks, but you must remember. . . Car Sales People, Sales Managers and Finance Managers all work on commission. They are thinking about their pay checks first when selling you a vehicle and arranging car financing for you!

You should also be aware that many car dealers train their sales staffs in a Dedicated Professional Selling System designed to manipulate you into making an emotional car buying decision before you have a chance to think it through. So Be Prepared!

Explore this website. There are hundreds of pages of car buying secrets and car buying advice here. Information and tips that will save you thousands of dollars, tons of time and a whole lot of aggravation in your quest to buy and trade a vehicle!

Tony Iorio
 Some Emails From My Website Visitors:  

"I'm a General Sales Manager of a large dealership.  You obviously do have the experience in your explanations of how the whole automobile industry machine works.  To anyone buying a car you offer solid helpful advice.

"Best Regards,"

James


Hi Tony,

"Just thought I'd drop you a line to let you know I bought my car today, and I couldn't have done it without your advice and information. I was dreading the whole experience, but thanks to you I DON'T feel as though I got taken....I almost feel a little guilty!

"As you say Tony, you can save thousands of dollars if you take the time to be informed. It worked for me! I'm grateful for your information and your support....BIG HUG!!!....

"Thanks again Tony!"

Sue


Hello Tony,

This is just a note to thank you for your website and all the work you have obviously done to create it . . . Read full note and my answer here!


Some emails I've received from car sales people! The Good . . . The Bad . . . & The Ugly! . . . Some Very Illuminating Stuff!

 Read My Most Recent Posts and Articles:  
 Some of Our Popular Articles & Information Pages  
Click Here for a Full List of All Articles...

  Insider Car Secrets & Tips on How to Buy a New Car!  

Car Buying Secrets and Advice on How to Buy a New or Used Car!

Always Remember. . .Two people can walk into the same car dealership and buy identical new cars, but the one who is unprepared may end up paying THOUSANDS OF DOLLARS more than the other!  This is a fact-of-life in the car business!  YOU'VE BEEN WARNED!

Get New Car Price Quotes FIRST. . .Before You Make a Car Deal!

BEFORE you step one foot in the car dealer's showroom to buy that new or used car, be sure you know what you want to buy, and how much you are willing to pay for it! It's the only way you can stay in control of the car buying process! Do it any other way and it will cost you thousands of dollars extra!

If you don't get anything else from this web site Please Remember This: When you are negotiating a new car price. . .or even a used car price for that matter. . .know ahead of time how much you are willing to pay for that vehicle.

You can research the vehicle you want, including getting the dealer invoice amount and a free price quote by going to the top rated sites listed below:

Find Car Incentives & Rebates Here

Edmunds.com
CarsDirect.com
Automotive.com

Keep the Negotiations Centered on the Car's Selling Price.  DON'T let the car salesperson talk you into negotiating based on trade-in value or on monthly payments.  Once you do this you have lost control of the deal and the salesperson gets the upper hand!  ...and once the salesperson gets the upper hand you will pay thousands of dollars more than you should have to!

Before you go in to buy a vehicle you must know the following:
  1. Approximately how much are you willing to pay for that vehicle that you want?

  2. How much is car financing going to cost you?  Ideally, you should have your financing arranged in advance!  For more information go to Car Financing Information.

And Always Remember: Never Buy a Used Vehicle Without First Getting a Free CARFAX Record Check or a Vehicle History Report from VinAudit.com.

 Insider Secrets & Tips About Auto Loans and Financing  

DON'T get taken advantage of in the dealer's Car Finance Office, also known as the "F & I Office" or the "Business Office." This is the car dealer's Most Lucrative Profit Center!  DON'T BE FOOLED!  Their goal is to arrange your car financing and have you walk out with the highest monthly payment possible. YOU'VE BEEN WARNED!

It's Real Simple!  If you let the auto dealer arrange your new car or used car financing you WILL pay dearly!  NOW, HEAR ME. . .If you let the car dealer handle your new car or used car financing you'll probably end up paying Hundreds Too Much!

I'm talking to you from my many years of experience as an auto dealer Finance Manager! Believe me when I tell you that I know what goes on in the Finance Office....and it isn't pretty!

Read the following article I've written: "The Most Closely Guarded Secret in the Car Business!"

The wise move on your part would be to arrange your car financing in advance. You can do this in as little as 15 minutes on this website at Standard Auto Financial , 1800FreshStart.com or Auto Credit Express® It Will Save You BIG MONEY!

And don't forget to check your credit score at FreeScore360.

 Insider Secrets & Tips About New & Used Extended Auto Warranties  

Did You Know that Car Dealers Will Mark-Up the Price of a New Car
or Used Car Extended Warranty $400 to $2,000 and MORE?

Before you consider getting an extended auto warranty please read the valuable and money saving information at the following link: Extended Auto Warranty Tips


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INSIDER SECRET #15
WOMEN...THE DECISION MAKERS!
Here's an Important Little Tidbit for You:  Did you know that in almost 80% of the cases where married couples buy a new or used vehicle that it is the woman who calls the shots and makes the final decision?  Sorry Guys, but It's True!
Women in particular are distrustful of car salespeople...especially used car salespeople! When a women is shopping for a car alone she is often told to come back with her husband without the salesperson ever knowing if she is actually married or not! Read more...

INSIDER SECRET #6
WHAT IS DEALER HOLDBACK?
Now understand this: Even if the car dealership sells you a vehicle at dealer cost or "invoice," they are still making money!
The factory gives them what is called "holdback" on each new vehicle sold.  On a vehicle that stickers for $30,000 the "holdback" could be as much as $800 to $900!
Now, don't get too excited just yet!  Read more...

INSIDER SECRET #2
ABOUT YOUR CAR LOAN PAYOFF. . .
The "payoff" is the amount of money remaining on YOUR car loan!  This is money that YOU owe!  The car dealer doesn't owe it! You do!
So, when you trade in your vehicle, the "payoff" balance must be paid off, or the bank will not release your title to the car dealer you're trading to!
Read more. . .


New Car Invoice Pricing at Edmunds.com

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