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Tips on Buying Cars/pricing law in arizona


I made a big mistake and looked at the payment price and singed contract before reading. Was sold 5000.00 worth of dealer add ons that went on window sticker. Is it possible to return new car for refund.

car guy
car guy  
Hi Terry,

Couple of questions for you:

1. How long ago did this happen?

2. Is there a bank involved or was this a buy here pay here lot?

3. Have they asked you to come back and give them anything...anything at all? or to have you resign anything?

4. I need to know what they sold you and how much they charged in order to tell you specifically what you need to do to get rid of each one...

Without perfect information here are some general thoughts and then our plan.

It is not legal in any state for the dealer OR the bank to tell you you are required to purchase any insurances on the back end of a car deal. The exception to this would be a GPS device which the dealer is technically buying. If it's been a while since this happened and they don't need anything from you and the deal has funded then it just means we are going to have to work a little harder. Here are a few of the common back end things people buy or get sold.

1. GAP Insurance- almost always under $600.00 in the state of oregon GAP insurance is a good idea for anyone whose payoff is significantly higher than the cars value. This is cancellable in most states and in California and probably in Arizona, and others you can cancel and be refunded the unused portion of the insurance the policy. This must usually be cancelled thru the dealer.  

2. Extended service contracts are all cancellable...thru the dealer who is usually the only place you can get the right forms to cancel it...that gives the dealer the chance to 'resell' you on it ...just know that the dealer get's charged back when you cancel ...wait until you see the look on their faces.

3. Etch- Not cancellable

4. Alarm- Not Cancellable

5. Maintenance Agreements- cancellable in most states

6. Life Accident and Health - Cancellable everywhere

7. Unemployment Insurance - Cancellable

Get back to me with your specific products and what you paid and we can go deeper and as always make sure to ask questions until you can give me those perfect 10's and bonus points I work so hard


Tips on Buying Cars

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Roger Alvey


I can answer any question about the car buying process. I am a recognized industry expert on all issues regarding auto finance, including sub prime and buy here pay here financing, I can answer questions about car lock out systems, GPS monitoring by your bank, and about auto recovery methods and defenses. I am a 20 yr car industry expert and can tell you what to look for in a used car, how to negotiate the deal, help with how to market your own car, and how to negotiate with the internet department of any car store. I can tell you every single way the dealer is set up to beat you and how to avoid those traps, I can discuss all aftermarket and extended service contract products you will be offered in the finance process, I have lectured extensively on "The Best Way to Buy a Car" to civic groups and university students. I am a credit expert and can tell you what the dealer and banks are looking for and the rate you can expect to pay. HERE IS THE LINK TO MY OTHER ALLEXPERTS CATEGORIES WHERE I HAVE ANSWERED LOTS OF QUESTIONS HERE IS A LINK TO MY BLOG


20 years industry experience in top management of dealerships and dealer groups. Recognized industry expert since 2004 in the Top 10 industry experts for The Gerson Lehrman Groups Auto Industry Council. I also do consulting work for Atheneum Partners, Expert 360, Expert Connect and Coleman Research. I have been a franchise owner and understand all facets of the auto industry from the time the car leaves the factory until it leaves the lot with it's new owner. I have written training materials for both the prime and the subprime sales and finance process.

NADA, OADA, NFIB, State Certified Used Car Appraiser

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Willamette University - Salem Oregon BA Economics Willamette University Graduate School of Business - Econometrics Statistics

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