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 Money Matters :  Buying a Car

Which New Car Model is Right for Me

Which New Car Model is Right for Me
by Joanne Brickman

Automakers have provided consumers with a mind boggling array of new cars to choose from. It is a difficult and often confusing process deciding which car is right for your life-style, what you can afford and then comparing all the similar products the manufacturers make. The next piece of the Car Buying Puzzle is to make the determination of which car or kind of car is appropriate for your life-style.

To put this myriad of cars into perspective, we've developed a comprehensive list of " Vehicles and Their Categories " for you to view. This will help you to know what cars are available in which category and will give you an idea how they compete with one another in the marketplace. The purpose of the list is to give you options. If you know what you can spend, but don't know what kinds of cars to consider or conversely you know the kind or even the specific car you want but need to compare it to other models for price or reliability, this list will show you the way. For example, if you have your heart set on a Toyota Camry, but can't afford one, an Oldsmobile Cutlass might be a good option. Both are mid-sized cars with comparable qualities, but the Camry is on the "Over $22,000" list and the Cutlass is listed with those cars priced "Under $22,000."

What Kind Of Car-Person Are You?

When addressing the female market, automakers are beginning to admit that "women" are not a single, homogeneous market. Until just a few years ago, all women were categorized as "mothers." Now they are seen as generation X-ers, college students, sports car intenders, 8-5ers, baby boomers, mothers with children, construction worker/load haulers, busy executives, retirees, seniors and other groupings. Much of the current auto marketing thrust reflects this revelation. What this means to new car buyers is that because we are being targeted by more model designs and advertising we will be aware of a wider array of vehicle options. We'll have more "types" of cars to wade through during the shopping process. This is a good thing. But it also means we'll have more research to do.

It makes sense, then, that to intelligently determine which new car model is right for you, the first step is to define exactly "who" you are. But it is not as simple as saying, "I'm retired," "I'm a soccer mom," "I'm a CFO." The smart way to approach your new car decision is to first make a list of the things a car must do for you (i.e. carry camping gear 6 times a year, carry 3 executives daily). Then identify a vehicle that accurately suits your life-style. A retired women might see herself as a "fun-loving single" and want to consider a roadster or sport coupe - that's a fine choice at first glance, but will it also handle your golf bag and gardening supplies? The mother of an active family may initially opt for a minivan to get the kids to soccer, but on further review, decide that a station wagon could carry the kids just fine while giving her a sedan-like vehicle that better suits the rest of her life. A minivan, sport utility vehicle or station wagon will undoubtedly be on her list of considerations. Your life-style should have more to do with what you do daily and determining who you are with respect to the type of vehicle you buy than a generic description like "mother," "business owner" or "volunteer worker." A new vehicle costs major dollars these days and is one of the biggest purchases you will ever make, except, of course, for a house, yacht or business.

And remember, this automobile could be serving your vehicular needs for many years, so do an analysis of anticipated life-style changes too. If you're planning to start a family soon, for example, opt for four doors on your vehicle. If you're moving to the desert, mountains or an area with severe winters and want off-road capabilities, be sure the vehicle you choose has four-wheel-drive. On the other hand, if your life-style calls for a sport utility vehicle (SUV), and even your long-term plans do not include taking it any further off pavement than the grass at the ball park, you can save several thousand dollars by choosing an SUV with only two-wheel-drive. For help with the critical assignment of matching life-style to vehicle type, surf over to " Vehicles and Their Categories ." The 200+ vehicle list offers a full view of what's out there and gives you an exhaustive list of opportunities to consider.

Deciding Which Car Is Appropriate For You

If you want outside help, you can contact any number of companies that will query you about your car use habits and provide you with a list of makes and models that match your needs. Auto Advisor, 1-800-326-1976, for example, will analyze your needs for $60. When you call Auto Advisor, you talk to a real human being, over the phone, one-on-one, who fills out a form used to determine your specific needs. After the conversation, you receive a list of car options based on your own personal habits. And there is no obligation to buy anything.

An alternative source for making an intelligent vehicle choice is the J.D. Power and Associates' " J.D. Power Guide to Automobiles " CD. The CD, which costs $18.95, operates as a "choice machine." The CD poses questions about your car needs and provides you with a list of applicable car options based on your answers. The CD can be purchased online directly from the J.D. Power Web Site.

Performance And Other Considerations

Once you've settled on the type of vehicle that best suits your personal requirements, you'll need to make several additional decisions in order to accurately define "your car." One decision has to do with performance. The term "performance" has several different meanings. How the vehicle "performs" during the test drive is one definition. Motorheads discussing the latest Shelby car are usually talking about another kind of performance.

A sports car with awesome horsepower is sometimes called a "performance car." One of the more popular new car categories for 1997 is the "performance sedan."

Generally, this definition refers to a vehicle being marketed as a "driver's car" for the family person with seating for five, and four doors to accommodate them.


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