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Other than your house, your car is probably one of the most important purchases that you can choose. Uncertain news about the economy and industry automotive, and tighter requirements for credit, you may leave a little hesitant to buy a new or used car. However, now may be just the right time. Never before have auto industry offered to consumers so many incentives, so that you may find the case of any a life!

While buying a car can be exciting, but also a significant investment. By following these tips you shop for a new or used car, van or truck can help you make better decisions when it comes to finding and obtaining the best deal possible.

Do your homework before buying a new car or used

* Study the calendar - Best time to buy a car is from June to December. Auto sales have declined, so the dealers are more willing to do business. Furthermore, to make room for new models, dealers push to reduce inventory, often by offering buyers incentives to buy extra. The worst time to shop for a car? If yours is more active. Never shop when you are desperate. Instead, plan ahead and a schedule of shopping to find the best deal.

* Price of local search - When it comes to Cart car, you better be prepared. In TrueCars.com, you can find what others in your neighborhood actually paid for their cars, as well as GET plant and actual costs at the dealership, the course of the medium range target. Other reputable sites like Edmunds.com and KBB.com (Kelley Blue Book), provide similar information for both new cars and waste. This is useful if you are buying from a private owner or a dealer. Take a folder with this information when shopping for a vehicle. Armed with this knowledge, you are more likely to negotiate a good deal. Finally, be prepared to withdraw if you are not offered a fair price.

* Review the vehicle history - Never buy a used car without a history report, such as those available to CarFax.com. Many dealers provide a report free car history. However, if necessary, you can order one online for about $ 30 - this may prevent you from doing a bad investment, like buying a car that has been achieved due to an accident or had other disasters, as have been stolen or in a flood.

* Ask about the warranty - If you buy a used car, do not buy one without warranty. Buying a vehicle "as is" only asks for trouble. Sales of Certified Used (CPO) vehicles have increased 30 per cent since 2002, according to Autodata, a leading source of market intelligence for the automotive industry. Because these programs extend usually guaranteed by years rather than months, they offer more protection for your investment. Therefore, they may be a better investment.

Take advantage of incentives to buy a car

* Manufacturer rebates and concessions and incentives - hit hard by the recession, the U.S. auto industry is ailing. To attract potential buyers, as dealers and manufacturers offer an unprecedented incentives. Check online and in the local newspaper to see what offers are available in your area.

* New Energy Tax Credit - If you are open to owning a hybrid vehicle diesel, electric or other alternative fuels, check the tax incentives FuelEconomy.gov. Although many have phased out, there are still many who can save you hundreds, even thousands of dollars in taxes next April.

Find the best financing

* Check your credit report - Before you start to negotiate, obtain a copy of your credit report. Knowing your credit score before applying for a car loan can help you determine what interest rate offers to wait. Under the Fair Credit Reporting Act (FCRA), each national reporting companies to consumers (Equifax.com, and Experian.com TransUnion.com) must provide you a free copy of your credit report each year. For best results, experts recommend that you:

- Eliminate credit cards and other debts, as much as possible - Have a credit score of 670 or higher - Maintain a new job or residence for at least 12 months - Have a loan before at least 18 months of reporting to Credit Bureau

* Look for an option without down payment - In the past, consumers were able to obtain href = "https: / / www.53.com/wps/portal/pv?New_WCM_Context=/wps/wcm/connect/FifthThirdSite/Personal/Vehicle+ Financing /"> auto loans with no money down. Today, most lenders require a deposit of 10 to 20 per cent of the purchase price, but there are still many bargains you can find. Some banks like Fifth Third Bank are continuing to offer no down payment financing.

* Find a low interest rate - If you have borrowing vehicle, looking for a competitive interest rate can save you thousands of dollars on your auto loan. Before to apply, ask if you might qualify for any additional incentives. For example, Fifth Third Bank offers a discount rate when you make payments to a bank account verification Fifth Third. While buying a car can be exciting, it also purchases larger than you may ever make.

Following these guidelines as you shop for a new or pre-owned automobile, van or truck can help you make smarter decisions when it comes to choosing and financing a car. Whether you are buying a brand new or used model from a dealership or private party, Fifth Third Bank can help. For more information, visit www.53.com or a local Banking Center today. Loans subject to credit review and approval. Fifth Third Bank, Member FDIC.

Matt Saunders is a senior associate at Rosetta, one of the top 10 interactive agencies in the U.S. Saunders has a degree from The Ohio State University and about 5 years of experience in interactive marketing for financial services.

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