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Shopping for a new or used car is not always fun, exciting and the kind of good time you can share with your spouse and kids.

Shopping for a new or used car can be stressful, confusing and these days a time filled with financial uncertainty. You have to have reliable transportation but at what price? Will you be able to get the financing package that you want? Where to find the best deal?

In these times of financial uncertainty it's now most often about the bottom line - how much will this vehicle cost me? Some of us worry more about the total cost of a new car or used car and some of us are more concerned with the monthly payments or if a good loan package is available. No matter which is of bigger concern to you, there are steps you can take to ensure you come out of your car buying experience relaxed and with more money in your pocket.

First off avoid buying your new car at the last minute. When possible start to plan your car purchase 90 days or more before you will actually make the purchase of your new car. This gives you time to shop around for the lowest price possible or the overall best deal with all things taken into account.

One of the problems that sometimes crops up needlessly are credit issues. Get your credit reports as far in advance as possible and quickly deal with any negatives you find in your credit report. Start paying down any lines of credit you have, and especially get those credit cards balances paid down as much as you can. This will give you a better credit rating which in turn will get you lower interest rates on car loans. This step alone can save you thousands of dollars and lower your monthly payments drastically.

While you are taking care of things found in your credit report and bringing those credit card balances down, save, save, save. The larger your down payment the better off you are. Raise extra money, perhaps by having a yard sale and be sure sell off any used vehicles your next car will replace. You most often will get more for a good used car by selling it yourself than you will as a trade in.

As you get closer to when you will actually make this very large purchase you should shop around. See what is available, read up about the various models of cars that interest you, keep an open mind and narrow your choices down to just two or three different makes and models. Online sites like Quick Car Quotes will not only make this much faster but you will have an excellent idea of just what the costs will be.

Once you know what you want, start to look at where you can get the best deal. Sites like Quick Car Quotes are a great way to save time in shopping for a new car or used car. You can find a wealth of vehicle information and get pricing info from the comfort of your own home or office. You save time, money and avoid the high-pressure tactics found at most car dealerships.

One company may have cars that are more economical while another may offer the benefit of greater safety features. Some manufactures also offer vehicles that have cheaper car insurance.

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