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Past Credit Problems? No Problem!
If you have bad credit, no problem! We understand sometimes bad things happen to good people! Our highly trained finance staff is more than happy to get you on your way to re-build your credit and drive the car of your dreams! Contact our finance department and have a payment plan custom made to fit your needs. |
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View Current Incentives and Rebates
http://www.fordvehicles.com/incentives/offers/ |
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| We want to help you get the most vehicle you can for your money. The handy payment calculator to the right lets you compare monthly payments on different vehicles in our inventory. It's the easy way to find the vehicle, and the vehicle payment, that's right for you and your budget. |
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For some, the thought of buying a car can be troublesome. We would like to make your car buying experience as easy and trouble free as possible.
To the right you will find links to some helpful information that will hopefully help you make a more educated purchasing decision and allow you to make the best purchase for your needs. |
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Buy or Lease?
You're more likely to buy...
• When you lease a car, you are typically capped at 15,000 miles a year. Additional mileage can cost you up to 35 cents per mile. And that can really add up.
• If you like to personalize a car, this investment can be lost on a leased car.
• If you like the idea of ownership, you are less likely to be happy with the lease option.
• If you like the feeling of accomplishment that paying off a large purchase brings and should consider that when you lease a car, the payment ends only when you return the car.
• If the car you presently own is over 3 years old you are more likely a buyer. While not always true, you can usually drive for less if you're willing to buy and drive for at least 3 years.
• If you don't mind doing your own car repairs, you probably don't mind driving a car after the warranty expires.
You're more likely to lease...
• Lease arrangements usually involve a 15,000 miles-per-year cap and charge for extra miles. If you drive very little, you may be a candidate for a luxury lease.
• When you negotiate a 24 or 36-month lease, you can be sure you'll always be driving a new vehicle.
• Although you need to maintain and repair your leased vehicle just as you would an owned vehicle, because you typically lease for 2 to 3 years, the car is normally under warranty.
• Many people prefer to drive a vehicle that is priced above their means and leasing provides the solution.
• If you don't mind not owning the car, you are free to enjoy the benefits of leasing like low monthly payments and a low down payment.
• If you own the company, and you use your car for business, check with your tax advisor. You may be able to deduct your auto expenses, including your monthly lease payment. And if the company you work for gives you a monthly car allowance, you may want to lease since you'll be able to drive a nicer car for a lower monthly payment.
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How gap insurance works.
Why is an auto gap insurance policy so important?
Because standard comprehensive and collision auto policies only cover your new car's "fair market value". And that can be as little as 80% of what you paid for your car, starting the minute you drive it off the lot.
This means that if you're involved in an auto accident that leaves your new car "totaled", (we all hope this never happens,) you could end up paying off a loan on a car that you can't even drive.
That's where gap insurance comes in.
A gap car insurance policy insures you for the difference between what you owe on your car and what your insurance company says it's worth. And if you're leasing your car, it's very likely the leasing company will require gap insurance as well.
Gap insurance coverage would also become critical should your car be stolen. Thieves prefer new cars, and they seek out specific models, which also usually happen to be the most popular models of cars sold.
If your car is stolen, the insurance situation is the same as in the case of an at-fault accident on your part: comprehensive insurance will cover the value of the vehicle, but not necessarily the value of the loan that you owe to the bank. You could be stuck paying thousands for a car that's long gone. Add that to the truly disheartening feeling of having your car stolen, and that makes for a really rough time.
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Trade In Tips
When you trade your current vehicle into us, we are really buying your car. Just like you, we check out the physical condition (mechanical and body) of the car and just like you we classify it in either fair, good or excellent condition. All values given assume a clean title history exists.
A vehicle in Excellent Condition looks "excellent". No paint or body work has been done or is needed. Service records are available, complete and current. Engine compartment is clean, tires nearly new, windshield has no stars or cracks.
A vehicle in Good Condition means that it is free of any major defects. No mechanical problems and only minor, if any body-paints or interior blemishes. Tires must have substantial wear remaining. Major recondition cost must be deducted from book value. Many vehicles traded in are in this category.
A vehicle in Fair Condition is not at all uncommon. It is a well used vehicle that has some mechanical defects, but is still safe and operates well. Paint and bodywork are required for resale at retail. The value of vehicles in this category cover a wide range as reconditioning cost must be fairly evaluated and deducted from book value.
To obtain a Kelly Blue Book trade-in report on your vehicle, click here.
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Certified Pre-Owned Vehicles
Certified Pre-Owned vehicles information coming soon!
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Extended Service Plans
Extended Service Plan information coming soon!
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Lake City Ford - Lincoln Mercury, 315 Clayton Ave, Coeur d' Alene, ID 83815
(208)664-9211 (800)331-0244 |
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