Buying a car needs not just investment but deep thought. The market is overflowing with choices and temptations. Buyers need to think, what kind of car and can I afford it?

Think, what do I need transportation for right now and what will I need two years from now? Do I want a car as a status symbol or as something that makes my life easier? Will the car be a commuter vehicle, or to transport children? Would a van with cargo space and high clearance be more suitable for a growing family? Should the car be a two-wheel or four-wheel drive? What kind of terrain will I be driving in most of the time? Go through auto magazines as well as consumer reports to get a clear picture of the world of cars.

1. Work on your finances and determine what you need to spend each month on transportation. A car should not cost more than 10% of your net pay per month. If it is more, then consider leasing a car instead of buying one.

2. Before you finalize anything, find out what the target price is. Four figure discounts are available with almost every make.

3. Never sign an arbitration clause or blank financial forms. Try and get finance from a separate source, a bank or financial institution.

4. Haggling will get you a good deal apart from shopping around for finance. The market is competitive be sure to check dealer fianc