new car..

  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 12:48 PM GMT
    Just got in my first accident last week, and totaled my car. don't worry, the only thing that got hurt was my pride lol, thank god. but my car- a relic from high school- is done. I find myself needing a new car, which was NOT in the budget.

    Insurance is paying for my rental for a week, and i find myself falling in love with it- a Ford Fusion. I've done some homework online and the Fusion is a great car- exactly what i want. small, efficient, comfortable, fun, safe, cool looking, well designed inside, full of technological conveniences. The leather interior is pretty awesome too, since I was sick of the fabric in my old car.

    But i really don't think I can afford one.
    I have, well, pretty much no money to my name, since I graduated a year ago and its taken me this long to find my first job in a design firm (coming up on four months there now, waiting to make salary and benefits).

    So: what car would be as close as possible to what I want, judging against the Fusion, but be affordable? I need really good advice asap- the rental is only for a few more days....
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 1:29 PM GMT
    In a pinch like yours and only if you don't drive much to work, (under 12,000 annually) etc...
    Lease a car. Some (think of Honda) are offering $0 down and low (under $200 depending on model) lease payments.
    You can get a 12, 24, 36 or 48 month lease.
    EVERYthing about a lease is negotiable. Go look online at some websites for SmartcarUSA, ToyotaUSA, HondaUSA, etc.


    EDITED to add:http://www.smartusa.com/connect/
    SmartCar
    2012 pure coupe
    Lease for $99 per month for 36 months,
    with $999 total due at signing
    Or buy with 0-60 month 0.0% APR
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 1:32 PM GMT
    Leasing is good advice! I plan to do the same once I get out from under this hunk-o-junk.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 1:32 PM GMT
    If you buy a new car buy GAP insurance for sure.

  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 1:48 PM GMT
    If a fusion is only slightly out of your price range, then look at either a slightly used one, so the depreciation has already lopped off 30%+ of the cars value, or look at a focus. It would have much of the same technology and features in a smaller platform.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 2:04 PM GMT
    I just took delivery on my new car yesterday.... I spent about 3 weeks dealing with the Acura dealership.

    I love her. (picture below)

    If you haven't purchased a car in the past, don't go into the dealership alone.... they can smell it all over you!

    1. Always go with a notebook and take notes on what they say; it also makes you look prepared. More importantly, you have a good summary of what was discussed.

    2. They will want you to stay, and not want you to drive another car. As soon as you leave, your likelihood of buying a car 'today' dropped over 50%.

    3. Never tell them your pricing CEILING. If its 400/mo, they will never go below 400. If they offer you 425/mo and then they ask, what is your budget simply reply "you're not really close... you need to come down from that."

    4. Negotiate Negotiate Negotiate--- everything from interest rates, cash down, trade in value (obviously not in your case), addons, is negotiable. If you settle on a price, but you still really want the Nav system. (2-4k extra in most cars)... insist that they add Nav. It costs them next to nothing.

    5. If you do decide to lease, never put CASH down for a lease. Doing so is essentially 'prepaying lease payments", which is not giving your money any interest.

    6 Don't be afraid to leave.... love the phrase "These numbers arent as competitive as I think they should be.... Im going to go test drive the (equivalent competitors car here); if you want me to come back call me with a number that actually will work." .... they'll call you.

    7. Time your visit before lunch time; you can use "Im going to have lunch and think about this" is a great "exit strategy" if you want to make them squirm.

    8. If you have another dealer nearby, pit them against each other. ("i was just at Dealer X, and they dicked me around.... so I'm weighing my options elsewhere") For example IIf you have 2 dealers near you. The one that is further from your house WANTS to steal you from the more local one... you are just a free "stolen sale" to their market.

  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 2:49 PM GMT
    Buy a used Fusion. Or if you have good credit, take advantage of the 0/0/0 Civic lease previously mentioned.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 3:10 PM GMT
    I took advantage of the Civic lease and my payment is well under $200 monthly.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 3:43 PM GMT
    Gibby320 (above me here) has some great advice for anyone about to buy a car. I should save this and use it next time I am in the market for a car. (I haven't bought a car in a long, long time - - - I tend to keep them forever after buying them from private parties). Thanks for these tips.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 5:31 PM GMT
    If you like the current body style, it has been out for a few years so you should be able to find some used ones that are far less expensive.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 5:39 PM GMT
    You are mentionning leather seats ...so you are talking about the high end of the Fusion line , what don't you stick with the base 4 cylinders model , you will save lot of $$$$ ....
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 5:40 PM GMT
    czarodziej saidJust got in my first accident last week, and totaled my car. don't worry, the only thing that got hurt was my pride lol, thank god. but my car- a relic from high school- is done. I find myself needing a new car, which was NOT in the budget.


    When you total a car, your neck is extending in ways beyond the normal range of motion injuring the soft tissues and ligaments in your neck. Try to look into seeing a doc or chiro, you may injuries you aren't aware of that can show up down the line...with a vengeance.

    Is this your car insurance covering the car or the other person's insurance who hit you? Because if it's your car I assume you'd have rental and collision. If it was someone else hit you, they should be cutting you a check for the cost of your car.

    In any event...I can't stand Ford (unless it's a Mustang or Excursion LOL) so I wouldn't recommend that. They are really cheap, flimsy feeling cars that drive like shopping carts, right along with the defunct Saturn, Honda Civics, Hyundai. And their transmissions are gone after about 100,000-150,000 miles (not civics).

    Toyota, Nissa, Honda...fairly cheap, super reliable. You can go on craigslist and find a decent one between $2,200-3,500. I wouldn't let people talk you into leasing and getting into payments right now. I've never had a car payment and all my cars traveled around the country. So don't let people think that if you pay cash, it won't be reliable.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 6:24 PM GMT
    As someone said, I'd look at a used one a couple of years old. The depreciation on new cars is fierce and you can quickly owe more than it's worth. The dealer will almost always find some way for you to finance that car, but it's not always really a good deal for you.

    That said, I was pretty much in your shoes - my old pickup died just weeks after I got my first real job. I let the dealer put me into a new toyota with payments that I really couldn't afford. But, here I am 22 years later, still driving that same vehicle. I don't see any fords around from that era, any more.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 6:34 PM GMT
    Getting a car also depends on your credit rating. There are many websites out there that may help you get a car. My most recent website I like to use cause I am looking to trade in my current car is www.truecar.com. They give both used and new prices on sales in your area.
    Im glad you are doing ok. Accidents can be freaky.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 7:15 PM GMT
    Why not just get a used old car thats in timewarp condition cheap? Try hunting elderly homes and ads, there are always a few cars with 20-40k on the clock in absolutely time warp shape, no rust, no mechanical issues, perfect original paint.

    PS, the fusion JUST got redesigned aka its now the 2013 euro mondeo rebadged.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 17, 2012 7:20 PM GMT
    Well, it's tough to make any recommendation when you have no money and you have no job.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 1:19 AM GMT
    No, don't get an old car. Old cars are dangerous, problematic and bad for the environment.

    Find something new.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 2:40 AM GMT
    thanks all- and yeah, i do have a job at an architecture firm- it just took me a year and a half to find it lol, and i'm waiting to be salaried and given benefits in another couple months.

    i have an apt. at the local ford dealership tomorrow- i'll try pitting them against toyota and see what comes of it.

  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 2:46 AM GMT
    Chevrolet Cruze? They're badged as a Holden Cruze here in Australia and if I didn't have my Mini I'd look at buying one.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 3:54 AM GMT
    TheGuyNextDoor saidGood luck tomorrow Peter! I just leased a 2012 Toyota for 3 yrs. It saved me about $125. a month vs. buying it and it was 0 down at signing, Love the car and it's more loaded than the Fusion and gets 41 miles combined MPGs and best yet.. it's NOT even a Prius!!! Yes a Hybrid,,, but not a tiny Prius.
    /www.autoscraze.com/wp-content/uploads/2011/12/Exterior-of-2012-Toyota-Cam.jpg" />
    It's loaded to the max with everything they make. My first car with Nav. and an Entune dashboard. I've loved driving it!
    Sport suspension and tight as a drum.
    Really? That seems so tame. I think a sports car is more fitting for you. icon_wink.gif
  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 10:27 AM GMT
    czarodziej saidthanks all- and yeah, i do have a job at an architecture firm- it just took me a year and a half to find it lol, and i'm waiting to be salaried and given benefits in another couple months.

    i have an apt. at the local ford dealership tomorrow- i'll try pitting them against toyota and see what comes of it.



    Oh, sorry, I misunderstood your initial post.

    The Fusions are nice, but if you are going new, ask yourself if you want to get a car that's going to be "old" next year. Ford just introduced a new Fusion that's coming out next year, I believe, and it's radically different from the current ones.

    http://www.ford.com/cars/fusion/2013/gallery/photos/

    You may consider getting a car that was just introduced in the last year or so, i.e., Toyota Camry so that it's not "outdated" so quickly. The Honda Accord is getting a new design later this year, as is the Nissan Altima.

    The VW Jetta might be another alternative choice.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 12:53 PM GMT
    First thing; yay that you were not hurt! We wouldn't want bodily injury or anything to ruin that ridiculously gorgeous mug of yours....

    Second thing: Car.

    If you like the Fusion, check out the Focus. It's gotten excellent ratings and is a pretty handsome looking car too. My cousin was driving one around for a couple weeks and he loved it. (It's also smaller and more affordable than the fusion).

    I'd look at the Honda Civic and Ford Focus.

    http://www.caranddriver.com/comparisons/2012-ford-focus-se-vs-2012-honda-civic-ex-comparison-test

    In this comparo, the Focus comes out on top.


    I'd check out the VW Jetta too, just for comparison's sake.
  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 12:59 PM GMT
  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 5:58 PM GMT
    dash_8 saidChevrolet Cruze? They're badged as a Holden Cruze here in Australia and if I didn't have my Mini I'd look at buying one.


    I have driven both ( Holden and Chevrolet ) , and the Holden is better built , the body seems tighter and more rigid than his american counterpart . It must be because we have corrugated roads ..
  • Posted by a hidden member.
    Log in to view his profile

    Jan 18, 2012 6:32 PM GMT
    MuchMoreThanMuscle saidIf you buy a car think about future costs needed to maintain the car. Toyotas and Hondas are the more reliable cars. And I personally think Hondas are the best when it comes to reliability and problem free experience.

    Leasing also sounds like a great idea.


    My experience exactly. Cars are pretty to look at, but in the end its all about fun-to-drive AND reliability. I do a lot of driving, sometimes over 40k miles a year and my Honda cars beat all the German and American cars I owned. I've driven over 500,000 miles in Hondas and so reliable that never even one drop of oil leaked or added between oil changes.

    But in the end, the most important person to ask is yourself. Nobody else here has to pay for it or live with it. So I say consider all the opinions, salespeople as minor, and just go with what makes you happy.