The Ultimate Car Buying Guide for the Residents of New Jersey

The car has become the carapace, the protective and aggressive shell, of urban and suburban man. - Marshall McLuhan

Car is one thing that unites all Americans, irrespective of age, gender, ethnicity and economic status. We are great car lovers. It has changed the way we live. Well, car’s a necessity in the Garden State. The residents not only contribute to several businesses in the state, but are also part of the strong workforce of Big Apple and Philadelphia. Wouldn’t you want to reach work in the comfort of car?

Strike While the Iron’s Hot

Do you want to make your travelling quick and fun instead of spending boring time with strangers in bus/subway? Then, car’s the best bet.

It’s the best time to buy a car. The Auto Shows will start in the beginning of 2012 and will be a platform for new car model launches. This means dealers are more than eager to get rid of their inventory. So, you can manage a great deal on new cars. Furthermore, Thanksgiving marks the official beginning of the holiday season. So, there are many holiday discounts to be taken advantage of. This is a sign that pre-owned cars will also be costing less.

Well, buying a car can be quite tiring if you don’t get the right guidance. Unanswered queries won’t allow total satisfaction to you. Read this article to get complete information on the car buying process.

The Dilemma of Dollar Bills

Money makes an important part of your car buying decision. You can buy a car with auto loan but you definitely need money for maintaining it. You will have to pay for registration, taxes, insurance, fuel and maintenance. Also, you need money for making regular monthly payments.

My advice is that if you cannot afford auto loans, then there is no point in buying a car. A car is supposed to give you comfort and not agony. If you are unable to make payments, it will be detrimental to your credit score. So, think of your present and future as well.

This is also an optimum time to think of your car loans. There are many options available with you and it all depends on your choice. You can get auto loan from local dealers or banks and financial institutions. There is one more quick option available with you. It’s the web. Many businesses are going online and auto lending is one of them. You don’t have to worry about security concerns. Just be sure that you deal with a company that has a valid security certificate.

Does New Work For You Or Old Is Gold For You?

Well, new or old – car should do what it’s meant for. So, it doesn’t matter what you choose. The only important thing is your satisfaction. Also, you must consider your needs. If you have to travel to Manhattan every day, a fuel-efficient will work best for you. If you are someone who is into off-road driving, then SUV is perfect for you. Don’t forget to research. Read magazines like AutoShopper.com or 4 Wheel & off-Road Magazine and get an exact idea about what cars are sold in your region.

For some people, a new car is a status symbol. It is a manifestation of having made it big in life. You can go for 2012 Camry, Audi A5, Honda Civic or Chevrolet Cruze. Well, there is no dearth of new car models.

If you want to buy a pre-owned car, you can either walk down to a local dealer or even buy your cousin’s VW or Ford. You can also get your car from government and private auctions. When you buy a used car, make sure the car title is clean. If it isn’t so, then the lenders will have lien on it.

After You Make a Choice

Once you choose your few favorites, inspect them. Get VIN (Vehicle Identification Number) of each car and know its history. There are many websites like carfax.com and checkmycar.com to help you with it. After this, you will know which car suits you.

After you are through with your investigation, ask your mechanic to take a look at the car. Once he inspects it and gives you a green signal, it is time to sign the agreement.

Read to avoid any post purchase dissonance. Understand every word of the agreement. Also, check for any “cooling off” period in the contract. You must know that the cooling off” period is not offered for automobiles. If there is an option, only then you can return the car.

How to Register Your Car in the State Of New Jersey?

New Car

A new vehicle means it has never had a title issued to any customer (the dealer is obviously given the title to provide ease in transaction).

Four-Year Accelerated Registration Program

The New Jersey MVC implemented the program on October 1, 2004. According to it, all new car owners need to pay the registration fee in full for the first four years. This will help MVC to synchronize registrations and inspections.

If you want to use your old car’s license plates, you can transfer your old car’s registration to the new car for a transfer fee of $4.50 plus the pro-rated weight class registration fee. 

Used Car

If you have purchased a pre-owned car, then the rules are slightly different as the seller is involved. Make sure that the seller removes his plates and surrenders them to MVC agency or the Regional Service Center. This won’t be possible if the seller wants to transfer his title to another car.

The seller must sign the reverse side of title and give it to you after writing your name and address, date of sale, odometer reading and the sales price on it.

Once you receive the title from the seller, sign and add your driver license number to it. Take the signed title to MVC and complete your registration. To complete your registration, you must bring along the proof of insurance and receipt of sales tax payment. The registration fees are $85 for a financed vehicle. If you are not availing auto loans, then you will have to pay $60.

Make sure you complete this entire process in a span of 10 working days from the date of sale to avoid a penalty of $25.

After you complete registration, you are free to drive your dream car.

I hope this article provided you enough information and solved all your doubts and queries. Have a happy car shopping experience.

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All the best!