Time to buy a car

CNN's personal finance editor, Gerri Willis, looks at whether now is a good time to buy a car.

It's a great time to buy a car, look, if you have / good credit, there are lots of deals out there. Total /industry sales fell almost 32% last month to the lowest rate in 25 years. Incentives are just unprecedented. In fact, today Ford announced it will offer employees pricing zero percent financing and cash incentives on a variety of its vehicles. But you may be wondering if the car brand you're thinking about buying today will be around tomorrow, and that's a big downside.

Yeah, absolutely, a lot of concern about whether people would buy from a bankrupt car company, so tell us a little about those downsides.

Well look, if your goal it's to get the best deal--the cheapest car you can, you will find it from / car companies that are really struggling. Now the company is taken over, the manufacturer that is, your warranty should still be valid that's because the new car company will just take it over. However, if your car manufacturer goes out of business, your warranty may be at risk. If you have to buy a car, because you are just biting the dust, realize that all car manufacturers are struggling with sales right now, and there are incentives across the board, especially on really popular vehicles, like hybrids or compact cars. More cash you bring/ to the table, the better off you will be. The best way to negotiate, listen to this Namah. find out what the dealership pay for that car, and you can do that at consumerreports.com. They have something called a new car price service. Take that number into negotiate, and then the negotiation the question becomes what's the reasonable amount of profit for the dealership, and it's usually two to four percent, rather than having a big negotiation over how much they should give you off of sticker prices. A much more powerful area for you as a consumer.

Yeah, thanks to the Internet, we have so much more power now going in in terms of information. I've got to ask you, Gerri, would you buy an American car right now considering all the problems?

Well, you know, I just got up the phone with the folks consumers reports, and they had this to say, they would say we haven't Chrysler products for two reasons, most importantly because the price simply don't rate highly in their testing, but also because the company is in severe financial difficulty, however, when it comes to GM which is also facing some financial strains. they say many of their products rate well, and now it's a good time to get a deal on the GM. Regardless of what happens to the parent company, there will be a large network of people servicing GM. My source told me it's not like you get a deal on a box of 8-track tapes and the players go away.

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CNN 的个人理财编辑Gerri Willis将为我们分析一下现在是不是买车的最佳时机。

现在真是买车的好时间，只有你有良好的信用，就有很多机会。上个月整个汽车产业的销售额降低了接近32%，为25年来的最低值。汽车产业采取的激励措施是空前的。实际上，今天，福特汽车宣布针对一些车型对雇员实行零利息和现金双重激励措施。但是你可能在考虑你现在想买汽车品牌明天是不是还存在，因为真的有很多消极面。

是的，确实是这样的，很多人担忧人们会不会从一个将要破产的汽车商那里购买汽车。所以给我们分析一下都有哪些消极面呢？

呃，可以看一下，你的目标是买到物美价廉的汽车——你能够买的到底最便宜的，你会发现汽车公司现在在苦苦挣扎。现在新的汽车公司正在接收，汽车生产商会说，由于新的汽车公司接手了，你的汽车的担保还是有效的。然而，一旦你的汽车生产商破产了，你的担保也就有了风险。如果你在考虑买汽车，那么你正在随时准备为汽车产业献身，因为现在所有的车生产商正在为销量苦苦挣扎，世界范围内都有一系列的激励措施，尤其是那些大品牌的汽车，比如混合动力和小型汽车。你付的钱越多越好。最好的协商方法是，你可以在consumerreports.com看一下汽车经销商的购买价是多少，上面有新车的价格。就用那个价格来协商，所以问题的中心就变成可以让经销商赚多少钱，一般是2%～4%，而不是为了让他在标价的基础上给你降多少，这是你作为消费者最有威力的地方。

是的，多亏了网络，我们在信息方面的力量越来越大。我必须问你一下，Gerri，考虑到有那么多的问题，你现在还会购买美国产的汽车吗？

你知道，我刚刚和消费者报告栏目通过电话。他们说，我们不应该买克莱斯勒汽车汽车，有两个原因，一个是他们的价格在测试中评估不是很高，第二点是他们公司正面临这严重的财政危机。但是，对于同样面临财政压力大通用汽车来说，他们的很多产品评估都比较高，所以是购买通用汽车的好时机。虽然母公司面临这一些问题，但是他们仍然有广阔的服务网络。并不是说你做了一笔生意买了一箱子8声道的磁带，而单放机却不见了。