ࡱ> g $bjbjVV 0r<r<)$$~~4JJJhFJoJBp(e< OoQoQoQoQoQoQo$rtuo!|uo~~Go"""~lOo"Oo""of ,lPbW?h<;oo0oh^uQ ^uxllt^uGm""uouo!o^u$ D:  Use the following links: HYPERLINK "http://www.autotrader.com" www.autotrader.com or  HYPERLINK "http://www.cars.com" www.cars.com or a site of your choice to find a vehicle. PART 1: Pick a car, SUV, pickup etc, between $8,000 and $20,000 that you would like to buy. Make: Model: Year: Asking price: Mileage ( if used) Color Features that you like , , , Go to  HYPERLINK "http://www.kbb.com" www.kbb.com to determine if the asking price of the car is reasonable based on guide. Click on New Cars or Used Cars & fill in the relevant information for your car. If you are purchasing it from an individual select Private Party Value & if dealer select Suggested Retail Value & then select the trim & options that your car has.  If used: Suggested Retail: Excellent Condition___________________ If new: MSRP New Car Kelley Blue Book value Congratulations! You have located the car of your choice. Compute the loan amount based on three different down payment amounts: $500, $1,000, and $1,500. Total Price- Down Payment= loan amount Total price of your car Loan amount with a $500 down payment Loan amount with a $1,000 down payment Loan amount with a $1,500 down payment Sales tax, title and registration When you purchase a new car, you have 30 days to title and register the vehicle in your name. First, you must pay sales tax! Use the calculator at the following website to estimate the sales tax and fees you will pay on your new car. Round to the nearest dollar.  HYPERLINK "http://www.dor.mo.gov" http://www.dor.mo.gov. On right side under Popular Online Services Click Motor Vehicle Sales Tax Calculator. Select St. Louis County. Select City. Click the drop down and choose the city you live in. Sales tax = $ __________ + Title and registration fees + 36.00* Total tax, title, and registration = $___________ PART 2: Find your Monthly Car Payments: Using the loan calculator ( HYPERLINK "http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx" http://www.bankrate.com/calculators/auto/auto-loan-calculator.aspx) Calculate monthly payment, total interest, & term for each down payment at 3%, 5% & 8.5%. Find your loan amount from question #4 If you are sophomore look at answer b., juniors= c., seniors= d. Loan AmountInterest RateTerm of Loan 5 years (60 months)Monthly PaymentTotal Amt. Paid Month. Pay x monthsTotal Interest Paid (for entire term) Total amt.-loan amt. 3%5 5%5 8.5%5 Loan AmountInterest RateTerm of Loan 3 years (36 months)Monthly PaymentTotal Amt. Paid Month. Pay x monthsTotal Interest Paid (for entire term) Total amt.-loan amt 3%3 5%3 8.5%3 How did the term of your loan effect your monthly payments? _________________________ ______________________________________________________________________________________________________________________________________________________ How did the APR of your loan effect your monthly payments? __________________________ ___________________________________________________________________________ ___________________________________________________________________________ Based on your credit score you have been approved for a 5% APR. What would you like to set your term to be? Circle One MY MONTHLY PAYMENT: $________________________ PART 3: Insurance Shop for Insurance: To avoid junk mail, do not give your personal information! Since you have bank financing for your car, you will need to carry full-coverage insurance. Go to  HYPERLINK http://www.esurance.com http://www.esurance.com to calculate the 6-month premium for your car. (Remember, in Missouri you must carry liability minimums of 25/50/10 and un/underinsured coverage of 25/50.) a. Enter zip code b. Enter vehicle information: commute to work/school, 10,000-15,000 miles per year, financed c. You are not the original owner, owned less than 1 year, no other vehicle d. Enter driver information: Make up name & email, you are 18, no insurance you just purchased the car, it has been more than 30 days since you had car insurance e. Make up address, living at home, dont enter phone or SS#, no other drivers, high school degree, click discount box if you have a 3.0 or higher. Click continue to get quote Premiums Monthly:$_________________ 6-month: $__________________ Annual $_________________ Breakdown of 6-month premium Click blue bar to customize options & fill in your coverage, limits, and premiums COVERAGELIMITS6 MONTH COST (PREMIUM) What types of coverage do you not have?_______________________, _______________________, _______________________, _______________________,_______________________, Increase your collision & comprehensive deductibles to $2,500 How does this impact your monthly premium___________________ by $_________________ Decrease your collision & comprehensive deductibles to $100 How does this impact your monthly premium___________________ by $_________________ Choose the coverage best for you: Whats your monthly premium:$___________ PART 4: 1. Can you afford it? Lets tally up the first-year expenses of your new car: Down payment $_____________ Tax, title & registration $_____________ Monthly car payments (x12) $_____________ Annual insurance $_____________ Think youre all finished paying? Guess again! Each year you will pay personal property tax on your vehicle. Take 1/3rd of the KBB value of your car. Divide by 100 and multiply by 7. This is your personal property tax Personal Property Tax _____________ TOTAL YEARLY EXPENSE _____________ How does this amount compare to how much you will actually pay? Why______________________ ________________________________________________________________________________ PART 5: EVALUATING THE DECISION . How will you use Kelley Blue Book in your future? ________________________________________________________________________________________________________________________________________________________________ If you were to complete this process in real life, what would you do differently? ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ Summarize your experience: What have you learned about buying a car? What was surprising? What did you already know? 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