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Type in “auto financing” on any search engine and the list is endless— whether you have good credit or bad credit, someone out there is willing to finance your car for a price. Similarly, if you search for auto insurance companies, you’ll find many that offer you auto insurance coverage— no matter what your driving record is like.

Car dealerships try to simplify the car buying process as much as possible to encourage people with good credit to buy from them. However, even if your credit is less than perfect, some dealerships may still work with you to get the sale.

Keep these things in mind when you’re looking for auto financing for your vehicle:

• If a deal sounds too good to be true, it probably is.
• Zero-financing and other offers may not apply to you unless you have excellent credit.
• Some car dealerships that arrange financing mark up their rates by 2 or 3%, which can cost you thousands of dollars more to pay back. According to the Consumer Federation of America (CFA) http://www.consumerfed.org/, marked-up dealer financing affects 1 out of 4 people— and it’s perfectly legal!

How can you get the best deal?

• Use the Internet to research prices, which will help you negotiate the best price. Web sites like Autobytel and The Motley Fool can help you figure out vehicle prices and financing.
• Never be afraid to leave a dealership or seek another bank or credit union to handle your financing. All of these companies compete for your business— so you should never feel pressured to buy.
• Obtain a copy of your credit report that includes your credit score and use it as a bargaining tool.

Apply these same principles when you shop for auto insurance. Shop around and always look for the best deal. Staying loyal to an auto insurance agent may mean you pay more for your insurance!

Esurance offer price comparisons to other insurance companies. Our customer service and claims center is open around the clock to serve you. Many people who get a quote from us also find that they pay less for auto insurance. But don’t just take our word for it, read Esurance’s Customer Comments. Find out if you save with us when you get your auto insurance quote today!