New Car Buying Tips for New Yorkers

The most populous city, a known battleground for the Revolutionary War, the signature of American of liberty- Statue of Liberty, diversified landscapes- everything is here. Everything is in New York. The State is nothing short of a spell-binding beauty. It’s great to live in New York, isn’t it? Well, you can make most of your State’s culture and beauty by exploring it. And, what better way to do it than a car?

New Yorkers are total car lovers. The New York International Auto Show is a great example of it. It draws crowds in thousands and that too every years.

Car manufacturers also seem to love New Yorkers. Most cars are first launched in here. Remember Ford Focus was first launched in New York and California in August 2011.

If you are thinking of buying a car too, here’s some important news for you.

Dealers will soon start offering festive discounts. Halloween marks the beginning of the fun-filled holiday season. Dealers want to cash in on the holiday spirit and increase their sales. So, discounts and incentives are offered.

Also, new car launches will take place next year. This means dealers have to get rid of this year’s stock. This ensures that you may get current year models at very less prices.

So, buying a new car now is not a bad idea, right?

If you take few things into consideration, then car buying will be a satisfying experience. Calculated steps will allow you to drive that brand new beauty on wheels.

We choose our joys and sorrows long before we experience them. – Khalil Gibran

A car is a major investment. You are going to put all your savings into it. Plus, the payments will always be there to remind you of your decision-good or bad. Make sure that you take the right decision.

The reason I am stressing on a good decision is because you may not be able to return your car after the purchase. So, if you dislike your car or regret the purchase, things can get difficult for you.

Contrary to the popular opinion, there is no “cooling off” period for car purchases in NY. This is because the Remorse Law doesn’t cover any automobiles, used or new.

There is another law to help you get back your money or a car replacement. But, the New York State Lemon Law is applicable only when the car is considered “lemon”. The only thing that can save you is your sales contract. If the dealer mentioned of a “cooling off” period in the return policy, then you can avail it. Otherwise you are pretty much stuck with your car. So, take a proper decision and read the agreement thoroughly.

Champagne Taste on a Beer Budget

You don’t want to waste your time by searching for a car that’s beyond your reach. So, decide on your budget in the very beginning. Even though you have decided to avail an auto loan, you will need some amount of cash with you. It will pay for all the expenses like registration fees, insurance, taxes, maintenance and fuel.

If you have a pre-decided budget, then it will be easier for you to narrow down your choices. So, first decide on the budget.

This is the perfect time to look for auto loans. There are several options available with you. You can get auto finance from local car dealers and lenders. You also have the opportunity of getting instant auto loans at the click of mouse. The best thing about online lending companies is that you don’t even have to step out of your house to get a loan. There are many online lending companies which function in the Empire State. You can visit websites of such companies and apply for a free quote.

Whatever option you choose, don’t forget to compare quotes. You may be surprised to know but lenders have their own lending criteria. So, every lender will offer a different quote.

Why You Need A Car?

If you need car for dropping your kids to school, then opt for a car with high safety. But, if you need to travel to work every day, then it is necessary that you focus on efficiency and mileage.

So, decide on your needs and narrow down your search.

Research Is Always the Best Way to Come To a Conclusion

A thorough research will reduce the chances of post-purchase dissonance. So, read expert reviews and also check what other people think about a car. You can also go for magazines like Road and Track, Automobile, Motor Trend, etc. GM High Tech Performance is a magazine that focuses on all GM cars. So, if you are buying a Chevrolet or Pontiac, it can be of great help.

Also ask friends, relatives, colleagues for an honest opinion.

Car Registration in NY

Usually, dealers complete the car registration for a fee. But if you want to register your car at NY DMV, then you need following documents:

>> Your Identity/ Date of Birth proof

>> Proof of car ownership

>> Proof of sales tax payments and other fees

>> Proof of NYS sales tax payment, exemption or purchase price

>> Copy, original, or a fax of NYS Insurance Identification Card (FS-20)

>> Completed E-Z Visit Form

>> Proof of the “California Emissions Standards” or exemption, whichever is relevant.

After you get these documents, go to the NY DMV and get your car registered. You can also customize your license plates according to your needs.

Once your registration is done, all you have to do is flaunt your car.

So, are you ready to start your search for a perfect new car?

Keep the New York spirit of Excelsior.

Best of luck!