Preparing for the Car Dealer: Tips to Get You Through the Day

You've done the research. You've settled on your dream car... or at least something you'll want to hold onto for the next few years. Now it's off to the car dealer to make that dream a reality. While ultimately a happy day for most, the car buying process can work even the most centered person into a frenzy. Here are five things you can do to make the day less stressful.

1. Eat a good breakfast.

A good meal (high in protein, low in sugar) will give you the mental and physical energy to focus and concentrate on the task at hand. This process is likely to take three to four hours at the minimum. Don't let being hungry ruin this experience for you. Keep a low sugar snack on hand (a pack of almonds, perhaps) for when you feel yourself start to wane.

2. Know what YOU want.

Write it down and be able to articulate that to the car dealer. Want to treat yourself to a fancier sound system but not interested in the cargo option? Make that known. Know what is negotiable and what you will hold steadfast. Having a clear goal in mind beforehand will help to alleviate unnecessary tension.

3. Be aware of what is in your credit report.

Nothing is worse than being an hour or more into the car buying process and then sitting down in front of the finance manager only to find out that the credit card you maxed out in college is coming back to haunt you. Under The Fair Credit Reporting Act, each of the national credit reporting companies is required to provide you with a copy of your credit report once every 12 months. Take advantage of this free service to avoid nasty surprises. For more information visit the Federal Trade Commission website.

4. Know what your trade-in is worth.

Unfortunately, sentimental value has no real value in the buying world. Your four-wheeled pal may have been loyal to you, getting you home safe from all those late night study sessions in college; however, if the A/C is broken or it requires other costly repairs, be prepared for an offer that's lower than expected. In addition to the Kelley Blue Book Value, have your trade-in professionally appraised. Many body shops offer this service for a small fee or even sometimes free for regular customers.

5. Know your limits.

For most people, the car buying process will take up an entire day's worth of energy. Don't plan to do it on the day your sister is getting married or the day you plan to break things off with your significant other. Once you are finished with the car dealer, treat yourself. Wind down and relish the fact that you are now a seasoned car buyer.