WomensFinance.com

GET STARTED
Banking & Savings
Financial Planning
Estate Planning
Insurance

CREDIT & DEBT
Manage Debt
Create a Budget
Credit Basics
Repair Credit
Protect Credit

MONEY MATTERS
Buying a Car
Paying for College
Buying a Home
Healthcare
Taxes

LIFE EVENTS
Marriage
Divorce
Widowhood
Children
Retirement

INVESTING
Get Started
Stocks
Bonds
Mutual Funds
IRA
401(k)
Glossary

CAREER
Find a Job
Back to Work
Choose a Career
The Workplace
Working Mom

Email this page  E-mail this page



 Money Matters :  Buying a Car

Which New Car Model is Right for Me... Page 2

continued

When evaluating a vehicle, take a close look at the list of specifications ("specs"). "Specs" enumerate all kinds of technical vehicle information, including engine size and the horsepower the engine generates. A comparison of this " power plant " information on the vehicles you are considering will give you an idea of the performance level you can expect. The base model Toyota Camry, for example, has a 2.2-liter, 133-horsepower, four-cylinder engine. For additional dollars, you can equip your Camry with a 3.0-liter, 194-horsepower, six-cylinder engine. The second engine has 61 more horsepower, a third more than the standard option and definitely will have better performance. The Oldsmobile Cutlass, on the other hand, offers only one engine option: 3.1-liter, 160-horsepower, six-cylinder. And remember, the Cutlass appears on the "Under $22,000" list in our "Vehicles and Their Categories" inventory while the Camry, at about $25,000, appears on the "Over $22,000" list. It pays to look carefully at a vehicle's "specs."

According to our Technical Editor, Becky Case, the best way to compare the performance between cars is "by looking at the engine output. In the most simple terms, this is horsepower. The more horsepower you have, the stronger the engine. Most performance cars will have at least 150 horsepower. Horsepower is the amount of raw energy an engine produces under normal running conditions. There are other important factors that influence performance, such as the weight of the car, the amount of torque the engine produces, and the engine's structural attributes -- like the number of cylinders it has and whether or not it is a Turbo."

"Given the same horsepower, a lighter car will be faster than a heavier one because there is less mass to pull. This is often referred to as the "power to weight ratio." Torque is the amount of pulling power an engine can produce. The more torque the engine produces, the faster the car can run. Most cars come with 4, 6, or 8 cylinders. In a general sense, the more cylinders the engine has, the more horsepower it will have. Also, the more cylinders a car has, the more gas it will use. But, the car with the most horsepower and torque is not necessarily the fastest. There are lots of things involved."


"Another term you're likely to hear about when car shopping is "Cam." Cams operate the intake and exhaust valves. In a single overhead cam (SOHC) engine there is only one cam operating both the intake and exhaust valve movements. In a double (or dual) overhead cam engine there are two separate cams operating the intake and exhaust valves independently. This action provides better timing and a cooler running engine."

"A turbo charger is an engine type that generates more horsepower, and is smaller in size thus lighter in weight than the standard combustion engine found in most cars. The advantage of a Turbo Charged engine is in what it affords to the car in the way of the "power to weight ratio." These engines maintain a better ratio, but can add several thousand dollars to the price of your car. These engines also run at a higher revolutions (revs), thus they run hotter and may cost more to maintain."

"Lastly is the term "liter engine." Roughly, this indicates an engine's size -- actually it is the volume of the cylinders. In terms of your buying decision, the liter size of the engine is only significant in that it is large enough to generate the power your driving habits demand. The average midsize car has approximately a 3 liter, V-6 engine and would suffice for most people's required uses -- driving to and from work, vacations, etc."

Adequate performance, however, should be one of your major criterion even if you are only interested in a car for basic transportation. Performance is an important safety feature. It means acceleration that gets you safely onto the freeway or the gumption to successfully pass a long truck on a two-lane road. More importantly, a responsive gas pedal allows you to accelerate to avoid a hazardous roadway situation, rather than brake. Braking can cause you to lose control of your vehicle and make matters worse. Don't forget to rate the "performance" factor on each vehicle making it to your "consideration" list.

Comfort and luxury are two other factors to consider as you continue to pare down the list of vehicles that suit your life-style. If you drive long distances to work every day, a comfortable driver's seat is a must. Look for a multi-adjustable seat. A power seat adjustment is best because it gives you a better chance of getting the position "just right." Some even have a memory setting so more than one driver can always find their "prefect" position instantly. You may also want the driver's seat to include lumbar support. If a long motor trip is the first item on the agenda for your new vehicle, it's important that everybody making the journey have a comfortable seat. The lumbar support for the driver is particularly welcome on road trips. Simply changing the adjustment slightly can rejuvenate you. It's a little like stretching. If you're making an "adults only" trip, consider the poor person in the middle of the car's back seat.


MORE »

    Back to Top


Copyright © 1999-2012 WomensFinance.com. All Rights Reserved. Privacy Policy
By accessing and using this page, you agree to the Terms of Service.