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EXTENDED AUTO WARRANTY SECRETS
CONSUMER ALERT: Car dealers will mark-up the price of an extended auto warranty as much as $2,000 and more!
And if that's not bad enough let me WARN YOU.... There are Very Few extended auto warranty companies out there that are worth the paper they are written on!
Yes, an extended car warranty is a smart investment if you choose the right company and don't pay the inflated dealership prices.
The price of a single repair job could easily cost as much or more than the cost of a complete quality extended warranty.
To find out more about how to keep from getting ripped off click: Auto Extended Warranty Tips
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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. . .
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WHAT ARE
PROGRAM CARS?
Dealers often advertise "Program Cars" in their
ads. "Program Cars" are usually advertised as "Smart Cars," or "Factory Official Cars" or "Factory Demo's." They are usually one or two year old vehicles with 30,000 miles or less on
them. Read more...
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BEWARE OF THE
SPOT DELIVERY
The "spot delivery" is a technique that car dealers use to get you to take delivery of a vehicle immediately after you agree on a car deal.
Car sales people know they have to get you when you're "HOT," or when you're all worked up emotionally. Everything is Now, Now, Now! In the Car Business There's No Tomorrow!
The F & I Manager will throw together some bank papers for you to sign, and then, usually, after you're down the road, he'll get the deal approved at the bank, and hope they go along with the rate and terms that he signed you up for!
If they can't get the loan bought anywhere then they have to get the car back from you! Not a pleasant situation for them or you!
Read more...
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DON'T MENTION YOU HAVE A TRADE
Car sales people hate it when you don't tell them you have a trade until after you negotiate a price on the car
you want to buy! (A basic technique of the
"InsiderCarSecrets Brigade!")
You know why? Because you've just backed them
into a corner.
Now they have to tell you what they are really
going to give you for your car, and you're
probably not going to like it much!
If you tell them from the beginning they will try to get you to believe that they are giving you more for your trade than they are really giving you. This is done by manipulating the sales figures on the buyer's order. It's kind of like playing a numbers "shell game!"
Read more...
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CAR SALESMEN'S SLANG. . .
An "Up" is someone who walks on the car
lot. A customer!
A "Get-Me-Done" is somebody who has borderline credit at best, and will take almost
any vehicle at any terms just to get financed.
A "Laydown" is a customer who buys at whatever price the salesperson quotes.
The "Bump" is where the Sales Manager sends the salesperson back out to get a higher price, or to "Bump" the customer for more money!
A "Lowball" is an unrealistically low price that the salesperson gives the customer before the customer leaves to shop price at another dealer.
Read more. . .
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 Welcome To InsiderCarSecrets.com
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Welcome! 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 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 car dealers train their sales staffs in a Car Dealer 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. The information here will save you thousands of dollars, tons of time and a whole lot of aggravation!
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Tony . . . "A note of thanks for teaching me the ins and outs of negotiating the best deal on a new car. After spending time learning from your website I was able to save thousands of dollars on the purchase on a brand new Honda Odyssey. I was able to buy it at $200 below the invoice price by employing many of the strategies mapped out on your well designed website." Andy
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Junk Yard California - free junk car towing nationwide - all proceeds donated to benefit our youth. They can remove your vehicle to a local auto junk yard for free within 48 hours. It's easy, fast and available throughout the USA! It's tax deductible and helps provide for kids in need. Proceeds from this free service go to Joy for Our Youth. JOY provides food, clothing, shelter, after school programs, private counseling, summer programs, and guidance to children in need from the ages of six to eighteen.
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Some of Our Popular Articles & Information Pages
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 Click Here for a List of All Articles...
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Insider Car Secrets & Tips on How to Buy a New Car!
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How to Buy a New Car or a 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.
Keep the Negotiations Centered on the New Car or Used Car 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 that new or used car you must know the following:
- How much are you willing to pay for that new car or used car that you want?
- What is the wholesale value of your trade-in? Go here to find out: Yahoo! Autos
 .
- 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.
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:
Edmunds.com
Yahoo! Autos
CarWorks.com
InvoiceDealers.com
CarsDirect.com
If you live in Canada go to:
Canadian Resources
And Always Remember: Never Buy a Used Car Without First Getting a Free CARFAX Record Check on the Vehicle. Never!
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Insider Secrets & Tips About Auto Loans and Financing
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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 $2000 to $3000 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!
If You don't believe me 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 right here on this web site. Believe me, It Will Save You BIG MONEY!
Below Are My Top Recommendations for Getting Low Cost Auto Loans! You are Under No Obligation to Accept Any of Their Offers. Get Your Free Car Financing Quotes Now, Compare & Save!
to "Excellent" Credit Rating:
HouseholdAuto.com
 and Capital One Auto Finance
Here's an excellent car financing source for people with an "Average" or a "Little Below Average" Credit Rating:
TheCarLoanCenter
and DriverLoans.com
Here are two excellent sources for people who have a "Poor" or "Bad" Credit Rating:
1-800AUTOYES.com and MyAutoLoanFinder.com
The two lenders above specialize in helping individuals with bad credit to obtain car financing for the purchase of new or used vehicles. Apply to them both and compare. You're under no obligation to accept any of their offers.
If you're not sure what your credit rating is get your FREE 3-in-1 Credit Report & Triple Credit Score Now!
If your credit report has some glitches in it here's an excellent source to Repair Your Credit Report.
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Insider Secrets & Tips About New & Used Extended Auto Warranties
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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:
"The Real Facts About Extended Auto Warranties and
How to Buy One Without Getting Ripped-Off!"
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"Most" Popular Resources
for FREE
Info & Quotes!
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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...
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BEWARE OF THE F & I or FINANCE OFFICE!
The Finance Dept. in the dealership, otherwise known as the "Business Office" or the "F&I Dept." has only ONE JOB;
To make sure you walk out with the HIGHEST PAYMENT POSSIBLE!
What the public doesn't realize is that the dealership makes as much, and often more money in the Finance Office than it does on the actual sale of the vehicle!
Read more...
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BEWARE OF THE CAR DEALERSHIP'S SELLING SYSTEM!
Most dealerships train their salespeople in a
"Selling System" that is designed to lead you
through the car buying process in such a manner that you don't realize that you are being manipulated and led down the "Yellow Brick Road" to the sale!
This system takes on different variations. For
example, the "Ten-Step," the "Eight-Step," the "Four-Square" and so forth, but the end result is
always the same. To get you to make an emotional
buying decision right there on the spot!
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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...
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CREDIT INACCURACIES. . .
Having spent part of my career as a Finance
Manager in several car dealerships I often encountered people with glitches on their credit reports.
In many of those cases the glitches were inaccuracies of various sorts. The customers had no idea these discrepancies existed. In some cases they were denied credit due to this inaccurate information.
Read more. . .
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THE BEST TIME
TO BUY A CAR
The best time to buy a new or used car or truck is:
1. The Weekend, Including Monday Nights!
These are the busiest times of the week in a car dealership. Most promotions are geared for these times.
2. The End of the Month!
During the last few days of the month the sales manager and the salespeople are all very motivated to put together as many deals as they can, so they can make their quota and bonus.
3. The End of the Model Year!
When the new models are rolling in, the car dealers desperately want to get rid of their leftover models as soon as possible. As such, they are very likely to accept almost any reasonable deal that you offer them on these vehicles. Read more...
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GAP INSURANCE
Did you know when you drive your new car off the dealer's lot your car has most likely lost 20% to 30% of its value?
If you put less than a 20% down payment on your car, there's a good chance you need Gap Insurance.
Gap insurance covers the difference between the value of your car and what you actually owe on it in case your vehicle is declared a "total loss" by your insurance company.
Without Gap insurance coverage you could end up owing thousands of dollars on your car loan after your car is long gone!
How would you like to still owe $5,000 on a car that sits in a junk yard having been declared a "total loss" by your insurance company?
Read more...
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BEWARE OF CAR DEALER ADS. . .
It never ceases to amaze me how so many people fall for the phony nonsense that car dealers put in their ads! Yet week after week you see the most outrageous ads run by the car dealers. And let me tell you, those big color newspaper ads aren't cheap!
Whatever you think the ads are saying, Don't Believe Them! There's a catch, an angle or something misleading in MOST car ads.
I emphasize "MOST" because there ARE honest dealers out there who have too much integrity to pull some of the shenanigans that go on!
By the way. . . the sole purpose of all the gimmicks you see in car ads, is to get you in the door at the dealership, and not let you leave until you buy a vehicle.
Read more. . .
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