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Step 2 The Search - Now that you know how much you can pay for a vehicle, you won't waste time looking at cars beyond your limit of affordability. Take your time and identify what accessories you need in a car, and look for something along those lines. Don't buy a car on the first visit. Instead take the time to call your Credit Union. By giving us the year, make, model, mileage and accessories, we will be able to give you the suggested retail price and the wholesale price of the vehicle or you can look it up yourself right now!

The price you pay for the automobile should not exceed the retail price we have recorded in our reference books. Also look up automotive reviews in Consumer Reports Magazine or the internet (try www.carprices.com). For additional insurance have a trusted mechanic inspect the vehicle for potential problems with the car. And for only $10, MembersFirst Credit Union can get you the mechanical history of almost any vehicle.

Step 3 Insurance - Automobile insurance is what protects you as the owner of the vehicle should you become involved in an accident, have your car stolen or other unfortunate happenings take place. Here are some tips to help you keep your insurance rates down:
Ask for discounts - If you don't ask for discounts, you might not get them. Some insurers give discounts for good grades and continued education. If you are living at home, it may save you money to be joint on your parents' auto insurance.
Avoid tickets - If you don't have a clean driving record, see if you can take a defensive driving course for a discount on your insurance.
Find the company that is competing for your business - Rates may vary according to the insurance company you choose, the car you purchase, your age, your driving record, your grades and more. For additional quotes consult the yellow pages in your telephone book, or visit www.insweb.com for free quotes from national insurance companies.

Step 4 The Purchase -You've defined your needs in a vehicle, you've been pre-approved for an auto loan at MembersFirst Credit Union of Florida and you've found the car you want. Now all that's left is to pick up your check at the Credit Union and pick up your car. After the purchase is complete, contact your insurance agent to begin the policy on your new car.