Buying a car from a private individual is different from buying from a dealer. That's because

private sales generally aren't covered by the Used Car Rule, or by "implied warranties" of state law. A

private sale probably will be "as is" - you'll have to pay for anything that goes wrong after the sale.

Before You Buy...

Whether you buy a used car from a dealer or an individual:

·examine the car using an inspection checklist. You can find checklists in magazines and books

and on Internet sites that deal with used cars;

·test drive the car under varied road conditions - on hills, highways, and in stop-and-go-traffic;

·ask for the car's maintenance record from the owner, dealer, or repair shop; and

·hire a mechanic to inspect the car.

Other Costs to Consider

There's more to buying a car than just paying for it. Other items to budget for include insurance,

gas, maintenance and repairs. Here are some tips to help you save money:

· Compare coverage and premiums with several insurance companies. Buy from a low-price,

licensed insurer, or add your teen to your policy. Some companies offer discounts to students with good

grades. Remind your teenager that it pays to drive safely and observe speed limits. Traffic violations can

cost money in tickets and higher insurance premiums. Pump your own gas and use the octane level

your owner's manual specifies.

· Keep your car in safe driving condition. Following the vehicle's maintenance schedule can

help forestall costly repairs.

· Look for a mechanic who is certified, well established, and communicates well about realistic

repair options and costs. Find one who has done good work for someone you know.

The FTC publishes a series of free publications about auto-related subjects. For a free copy of

Best Sellers, a complete list of FTC publications, contact: Consumer Response Center, Federal Trade

Commission, Washington, D.C. 20580; 202-FTC-HELP (382-4357). TDD: 202-326-2502. Or visit us

at www.ftc.gov.

Courtesy of NAPSA.

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