Red Diesel Watch

Red Diesel Watch

A Car Buying Story, Part Two: How?

So how do I buy a car once I know what I like? There are several options, plus a few payment options as well. It can make quite difference both money-wise and regarding your own satisfaction. This is what I have considered:

Buying a new car

This is the easiest option of course. It has many advantages, and a single disadvantage: you pay the price for all those conveniences. In the end this is what I did, for the following reasons:

• I don't have to think how the previous owner maintained the car.
• New car should be problem free for a few years longer than a used car.
• Warranty is usually 3-5 years, or 60K-100K km, so you get to use it longer. Of course with the new car, there are less chances that you'll actually use it, but you never know.
• If you're financing, you get a better interest rate. It ranges from 0% to 4% (currently for this year's models), while if you're buying a used car and want to finance using bank loan, the best you can get is currently about 8%.
• If you're buying replacement insurance -- it's usually too expensive for the car older than 5 years. With the new car you can get it for a fair price for the first 3-5 years.
• Once you decide what you want, it's easy to buy it: you walk into the dealership and within couple of hours you have the car. And in my situation that was beneficial since I did not have the car. Otherwise, this convenience can actually work against you.
• You can get exactly the model you want, including color and other little things.

Buying a new car in a rural area

This is something I've heard of but haven't explored in full. The idea is to go out of the city to dealerships with smaller sales numbers, and try to negotiate better price with them. Now, I'm not the best negotiator, so I wasn't really counting on this option, but I tried anyway. I went 150km away and spent a day talking to dealers and did almost nothing -- I've got $250 reduction. I might have done better if I had more time and wanted to come back and spend it. But I gave up.

It can certainly benefit, but you have to be prepared to visit every dealer in your area. It's definitely not a quick win.

Buying a used car

This is certainly my favourite option, but it takes time and effort. And you can find an excellent car that is not really worse than a new one, for a low price. But you have to wait and search and negotiate. If you have a car to drive and you have the time to spend on looking for a new one, always do this. The depreciation of the new car is the biggest in the first years, so you save a bunch by buying 2-3 years old car. And sometimes those cars have very low mileage. Only beware of leased cars -- sometimes they are not maintained too well since they are being leased and the owner knows it'll be changed in a few years.

Buying a car in US

Now this is an excellent way to buy a good car and save money. Cars are generally cheaper in US than in Canada, and the difference is bigger with more expensive cars. Nowadays, with the dollars being almost equal, you save on that price difference. Then you don't pay US State tax, since you are from Canada, and you pay Canadian taxes just as if you were buying the car here. Of course, you'll pay duty fee, which is currently 6.1%. But I did the calculation, and with all the fees and taxes, for each car I looked at, you're still better off at least $1,000. I looked at Civic (saves about $1,000), Accord (saves $4,000), CR-V (saves $6,000).

Then there is another interesting perk: US and Canadian models are not always the same. There are some model trims that exist in US, but not in Canada (I suppose the opposite is true as well). For example, I looked at Subaru models and I found out that the basic Outback model in US was much cheaper than the one in Canada. And the difference was only that the US model did not have some purely convenience features -- those I did not care about. But it was $9,000 cheaper (31,000 vs. 22,000 MSRP)

Now, there are obstacles, of course. Nothing comes easy. Car makers don't like you going to US to buy the car for less money. They have priced the cars differently for US and Canadian markets and don't like you taking advantage of it. Honda and Toyota have actually told the dealers in US not to sell the cars to people from Canada. I called about 10 dealers and have been told exactly this. One guy told me that they've been doing that before but then been told that they may lose the sale authorization if they do that. So, I figured I should just try to find a dealership that hasn't been warned yet. And I did -- couple of them said they'll sell it to me without a problem. With Subaru, it seems that there is no such issue -- all of them said they sell cars to Canadians.

Then there is warranty. If you buy a new car in US, the warranty is not honoured in Canada. That means that for regular services or repairs you have to pay, or if you live close to the border, go to US every time some maintenance work is needed. This also depends on the maker: Honda and Toyota don't honour it while VW does without problem. With Subaru, I heard both yes and no, so if I had decided to go for it, I would certainly first ask dealers about it.

As an interesting side note: I've found out that some time ago, the situation regarding car imports was opposite: it was very beneficial to buy a car in Canada and import it to US. Car makers have raised the same obstacles: told the dealers not to sell cars and did not honoured warranties across the border. However, seems that Americans are more agile in these situations, so they fairly quickly formed a few consumer organizations, made a class action and forced the dealers to drop the ridiculous rules.

The process itself is not trivial -- there are a good number of steps you need to take, but it is straight forward. There are no surprises once you get all the preparation done or planned. There are good resources on the net that outline the whole process:

Importing a vehicle into Canada
: http://www.mr2.com/TEXT/Import.html

Forum discussion on car import
: http://www.discovervancouver.com/forum/topic.asp?TOPIC_ID=6825

Border costs
: http://www.myborderpro.com/2006

Website dedicated to importing cars to Canada
: http://www.importcartocanada.info

Info on taxes related to importing a car
: http://www.importcartocanada.info/faq/do-i-have-to-pay-tax-on-a-car-i-import-to-canada-from-the-usa

You can also hire an agency to do everything for you, but I don't really see a need for that.

Now, if you are looking for a used car (in US), you can save even more money, but you have to do more work. You have to find a way to inspect the car before buying it and you'll perhaps have to travel further for that vehicle of choice. You have to be cautious and watch for problems that do not exist in Canada such as possibility that the car was flooded in one of the floods in the south (e.g. New Orleans). But if you go trough all of that you can find an excellent deal and happily bring it back to Canada.

Paying for your car

Internet was a great help for this. First, all makers have good websites that let you calculate the prices, specific for your province, and they match exactly what the dealers tell you. Besides those, there are a lot of other useful resources on the web. Here are a few:

Canadian Black Book tells you the prices that the dealers pay you when you bring in a trade-in vehicle. Both of these links point to the same service

Toyota Black Book Link:

http://www.toyota.ca/NWS/english/confighelp/appraise_tradein_vehicle.html

GMC Black Book Link:

http://www.gmcanada.com/NASApp/app/services/gmc/cbb?lang=en

There is also the Canadian Red Book, equivalent to US Blue Book, but I couldn't find that online. But there are other websites that tell you used car prices, such as:

VMR Canada:

http://www.vmrcanada.com/canada_makes.htm

What I also did is picked up the prices from Auto Trader:

Auto Trader Used Car Ads:

http://www.canadatrader.com

I picked prices for the past 5 years. It's a good way to figure out average depreciation as well.

There are also fee-based sites that will give you very comprehensive reports on new and used car values, but I did not use them.

A good way to get the realistic value for the car (even for a new one) is to go to several banks and ask them how much would they loan to you for that specific car. You give them the make, model, year and the rest (in some banks its enough o provide the VIN), and they tell you what is the maximum they'll give you on a car loan. There are good chances this is less than what dealer asks you to pay. You can then use this figure to negotiate with the dealer.

To figure out the best loans options, you can use online calculators such as this one:

Loan Calculator:

http://www.canadiandriver.com/tools/loan.htm

All this is really fun to do, but again, it takes time -- so don't spare it. There are only two ways: you either put in your own effort or you pay money sooner or later.

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Read the rest on following pages:

Part One: Why and What?

Part Three: Models and Makes

Part Four: The Dealers
About the Author

Michael Thornessen is a typical car buyer that has recently spent some substantial time and effort researching the auto market.

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Diesel Dz7167 Youngblood Mens Watch $100 Beginning as a company focused on making quality clothing, Diesel has become part of the youth culture worldwide. Diesel is a leader in pioneering new styles, fabrics, manufacturing methods and quality control to guarantee an outstanding product. A new generation of watches has emerged from the innovative design that the Diesel brand exudes. The company is a leading provider of chic, fabulous clothing, and now watches have become a part of the brand's success. Whether you are looking for modern styled mens watches or ladies watches Diesel has something to offer you. Purchase Diesel women and mens watches that offer you the latest in fashion and ground breaking performance.Diesel is a lifestyle fashion brand rooted in denim and casual wear. Welcome to the Diesel Timeframes Collection. Diesel has long been synonymous with quality and cutting edge style. With the perfect fusion of intelligent and brave styling, Diesel Timeframes have secured their place in the fashion world. The Diesel Timeframes Collection exudes sexiness, matched only with its youthful and individual style. So go ahead and feel Diesel�s wavelength. No gamma rays in the below collection but styles that will show you things you�ve never been allowed to see before, revealing what is hot beneath the surface. Band Color: Purple Rubber, Band Width: 23mm near case, 23mm near clasp/buckle, Bezel Color: Black, Case: Purple, Case Finish: Flat + Plastic, Case Thickness: 13mm, Case Width: 34mm; 35mm with crown, Clasp / Buckle: Strap Buckle, Dial: Black + digital, Hand Color: Red, Movement: Other + quartz, Time Zones: Single With 24 Hour Dial, Water Resistance: 5 atm,

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Diesel Dz7164 Youngblood Mens Watch $120 Beginning as a company focused on making quality clothing, Diesel has become part of the youth culture worldwide. Diesel is a leader in pioneering new styles, fabrics, manufacturing methods and quality control to guarantee an outstanding product. A new generation of watches has emerged from the innovative design that the Diesel brand exudes. The company is a leading provider of chic, fabulous clothing, and now watches have become a part of the brand's success. Whether you are looking for modern styled mens watches or ladies watches Diesel has something to offer you. Purchase Diesel women and mens watches that offer you the latest in fashion and ground breaking performance.Diesel is a lifestyle fashion brand rooted in denim and casual wear. Welcome to the Diesel Timeframes Collection. Diesel has long been synonymous with quality and cutting edge style. With the perfect fusion of intelligent and brave styling, Diesel Timeframes have secured their place in the fashion world. The Diesel Timeframes Collection exudes sexiness, matched only with its youthful and individual style. So go ahead and feel Diesel�s wavelength. No gamma rays in the below collection but styles that will show you things you�ve never been allowed to see before, revealing what is hot beneath the surface. Band Color: Black Rubber, Band Width: 23mm near case, 23mm near clasp/buckle, Bezel Color: Black, Case: Black, Case Finish: Flat + Plastic, Case Thickness: 13mm, Case Width: 34mm; 35mm with crown, Clasp / Buckle: Strap Buckle, Dial: Black + digital, Hand Color: Red, Movement: Other + quartz, Time Zones: Single With 24 Hour Dial, Water Resistance: 5 atm,

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Diesel Dz1440 Color Domination Mens Watch $100 Beginning as a company focused on making quality clothing, Diesel has become part of the youth culture worldwide. Diesel is a leader in pioneering new styles, fabrics, manufacturing methods and quality control to guarantee an outstanding product. A new generation of watches has emerged from the innovative design that the Diesel brand exudes. The company is a leading provider of chic, fabulous clothing, and now watches have become a part of the brand's success. Whether you are looking for modern styled mens watches or ladies watches Diesel has something to offer you. Purchase Diesel women and mens watches that offer you the latest in fashion and ground breaking performance.Diesel is a lifestyle fashion brand rooted in denim and casual wear. Welcome to the Diesel Timeframes Collection. Diesel has long been synonymous with quality and cutting edge style. With the perfect fusion of intelligent and brave styling, Diesel Timeframes have secured their place in the fashion world. The Diesel Timeframes Collection exudes sexiness, matched only with its youthful and individual style. So go ahead and feel Diesel�s wavelength. No gamma rays in the below collection but styles that will show you things you�ve never been allowed to see before, revealing what is hot beneath the surface. Item Shape: Round Display Window Material Type: Mineral Case Material: Stainless Steel Case Color: Red Band Material: Silicone Band Color: Red Clasp Type: Buckle Crown: Push/Pull Dial Color: Red Luminous Hands Water Resistant Depth: 10 ATM Band Color: Red Rubber, Band Width: 24mm near case, 23mm near clasp/buckle, Bezel Color: Red, Case: Red + Circle-shaped, Case Finish: Flat + Stainless Steel, Case Thickness: 12mm, Case Width: 44mm; 47mm with crown, Clasp / Buckle: Strap Buckle, Dial: Red + analog, Hand Color: Black-and-white, Movement: Japanese + quartz, Time Zones: Single, Water Resistance: 5 atm,

Diesel DZ7167 Diesel Futuristic Purple Digital Mens Watch DZ7167 $114.41 Sport your own futuristic superhero style with this colorfully graphic timeframe from Diesel. It features a playfully purple silicone strap and a blackedout digital display with red Led numbers for that biting edge we all need. Case: 58 mm x 36 mm. Movement Digital. Water Resistant: 3 Atm. Gender: Men s. Case Type: Stainless Steel. Movement: Quartz.

Diesel Analog Watch DZ5201 $121 A classic Diesel watch that defines class and elegance, these watches look perfect on any wrist. With a variety of colors and styles, these watches are a must have

Diesel Analog Watch DZ5130 $121 A classic Diesel watch that defines class and elegance, these watches look perfect on any wrist. With a variety of colors and styles, these watches are a must have

Diesel Men's Silicone Strap Digital Watch $209.53 A stylish red digital design on a black dial highlights this modern Diesel watch. A black silicone strap and a water-resistance level of up to 99 feet finishes this fine timepiece.Case: PlasticCaseback: Stainless steel, screw-down Bezel: Plastic, stationary Dial: BlackHands: None Markers: NoneCalendar: Date and month, digitalStrap: Silicone, black Clasp: Buckle Crystal: MineralCrown: Push/pull Movement: QuartzWater resistance: 3 ATM/30 meters/99 feetCase measurements: 36 mm wide x 58 mm long x 13 mm thickStrap measurements: 24 mm wide x 8.5 inches longBox measurements: 4.25 inches wide x 3.75 inches long x 4.25 inches highModel: DZ7164All measurements are approximate and may vary slightly from the listed dimensions.Men's watch bands can be sized to fit 7.5-inch to 8.5-inch wrists.Click here to view our Watch Sizing Guide.

Diesel Color Domination Red Silicone Strap Unisex Watch DZ1440 $80 Red plastic case with a red silicone strap. Fixed red plastic bezel. Red dial with luminous black hands and index hour markers. Arabic numerals mark the 2, 3 and 4 o'clock positions. Minute markers around the outer rim. Dial Type: Analog. Luminescent hand

Diesel Men's DZ7198 Color Domination Red Digital Watch $100 Digital function 2 year manufacturer's warranty Red strap Silicone strap Water-resistant to 165 feet (50 M)

Diesel Men's DZ4201 SBA Blackout Watch $250 Super heroes always show up at the perfect moment, but how? They're probably wearing one of these red steel and silcone wonders.

Diesel Men's DZ7207 SBA Analog-Digital Black and Red Dial Watch $250 LED display Analog-digital function Red details add a burst of color to the dial 2 year manufacturer's warranty Water-resistant to 165 feet (50 M)

Diesel Digital Dial Red Rubber Strap Mens Watch DZ7198 $70.86 Plastic case with a red rubber strap. Fixed black plastic bezel. Digital dial displaying: hours, minutes, seconds. Quartz movement. Scratch resistant mineral crystal. Solid case back. Case diameter: 43 mm. Case thickness: 12 mm. Unique case shape. Tang cl

Diesel DZ1440 Women's Red Dial Red Silicone Watch $75 A great design. This is a perfect timepiece for everyday wear. Provides a dressy look.

Diesel Dz5129 Ladies Watch $120 Beginning as a company focused on making quality clothing, Diesel has become part of the youth culture worldwide. Diesel is a leader in pioneering new styles, fabrics, manufacturing methods and quality control to guarantee an outstanding product. A new generation of watches has emerged from the innovative design that the Diesel brand exudes. The company is a leading provider of chic, fabulous clothing, and now watches have become a part of the brand's success. Whether you are looking for modern styled mens watches or ladies watches Diesel has something to offer you. Purchase Diesel women and mens watches that offer you the latest in fashion and ground breaking performance.Diesel is a lifestyle fashion brand rooted in denim and casual wear. Welcome to the Diesel Timeframes Collection. Diesel has long been synonymous with quality and cutting edge style. With the perfect fusion of intelligent and brave styling, Diesel Timeframes have secured their place in the fashion world. The Diesel Timeframes Collection exudes sexiness, matched only with its youthful and individual style. So go ahead and feel Diesel�s wavelength. No gamma rays in the below collection but styles that will show you things you�ve never been allowed to see before, revealing what is hot beneath the surface. 37mm stainless steel case Pyramid textured black dial Black patent leather strap attached by classic Diesel screws 10 ATM water resistant 2 year international warranty Band Color: Black Leather, Band Width: 21mm near case, 18mm near clasp/buckle, Bezel Color: Black, Case: Silver + Square-shaped, Case Finish: Polished + Stainless Steel, Case Thickness: 12mm, Case Width: 37mm; 39mm with crown, Clasp / Buckle: Strap Buckle, Dial: Black + analog, Hand Color: Glow-in-the-dark, Movement: Japanese + quartz, Time Zones: Single, Water Resistance: 5 atm,