BUYING A NEW CAR



Name:__________________________

Vehicle Unit

|# |Section / Assignment |Completed? |Comments |

|1. |Buying a New Car – pg 2-4 | | |

|2. |Assignment #1 – pg 5, 6 | | |

|3. |Leasing – pg 7 - 9 | | |

|4. |Assignment #2 – pg 10 – 13 | | |

|5. |Borrowing to Own a Car – pg 14 | | |

|6. |Assignment #3 – pg 15 – 17 | | |

|7. |Fuel Costs – pg 18 | | |

|8. |Assignment #4 – pg 19, 20 | | |

|9. |Fuel Economy – pg 21 | | |

|10. |Assignment #5 – 22, 23 | | |

|11. |Cost of Repairs and Maintenance, pg – 24, 25 | | |

|12 |Assignment #6 – pg 26 - 29 | | |

|13. |Buying a Used Vehicle pg 30, 31 | | |

|14. |Assignment #7 – pg 32, 33 | | |

|15. |Vehicle Insurance – pg 34 - 36 | | |

|16. |Assignment #8 – pg 37 | | |

Vehicle Test:_________________________

Lesson 1 Buying a New Car

When buying a new car, there are a lot of decisions you have to make before you actually purchase. Often dealerships will give base prices for cars with option packages which increase the price. If the car of your choice is not in the parking lot you will also have to pay freight charges and taxes as well.

CARS OF TODAY

For each of the following cars:

1. Name the type of car (subcompact, compact, midsize, hybrid, SUV, truck, minivan)

2. Name the make and model of the car.

3. Describe the image they portray.

4. Describe what type of consumer might find the car attractive and why.

A B

C D

E F

G H

When buying a new car it is usually cheaper to buy the option packages than to buy the options separately. Keep in mind that it is usually more expensive to add options after you have already bought the car. Buy only what you can truly afford!

To Calculate the Cost of Buying a New Vehicle (use the following steps):

1. Calculate base price + options + freight

2. Subtract trade allowance

3. Add PST and GST

Example 1: Jesse wants to buy a brand new El Camino at a base price of $18 200. He adds option group 2 for $526. Freight on the car is $640. He can trade in his old Pinto for $1000. What is the purchase price of the car?

TOTAL PRICE =

LESS TRADE IN =

PLUS TAXES (GST & PST) =

PURCHASE PRICE =

Example 2: Jackie wants to buy a Toyota Celica which has a base price of $35 280. She will be charged $600 for freight and she wants the following options to be added: All Weather Mats ($103), CD Changer ($697), and Splash Guards ($86). If she trades in her old car for $3 000, what is the purchase price for the car?

TOTAL PRICE =

LESS TRADE IN =

PLUS TAXES (GST & PST) =

PURCHASE PRICE =

Assignment 1: For the following questions below the Freight Charge will be $850 and the federal excise tax for air-conditioning will be $100.

1. Prima buys a new two door Neon Sport Coupe with a base price of $17218. She pays $2490 in an option package plus a stereo system for $665. There is a freight charge and an air conditioning federal excise tax. How much will she pay for this car including taxes?

TOTAL PRICE =

LESS TRADE IN =

PLUS TAXES (GST & PST) =

PURCHASE PRICE =

2. Anthony decides to buy a new Honda Accord. He pays the base price of $24 673 and chooses an option package for $2 614. He adds an automatic transmission for an extra $695. There is a freight charge and there is an excise tax for air conditioning. Anthony receives a trade-in allowance of $4 500 for his old car. How much will he pay for his Accord including taxes?

TOTAL PRICE =

LESS TRADE IN =

PLUS TAXES (GST & PST) =

PURCHASE PRICE =

3. Alexa wants a new Ford Focus. The base price is $22 995 plus freight. She would like power windows and power locks for an extra $300 and $285, respectively. How much will she pay for the car?

TOTAL PRICE =

LESS TRADE IN =

PLUS TAXES (GST & PST) =

PURCHASE PRICE =

4. Sean buys a new light duty truck with a base price of $18 059. He orders the décor package for $354, bucket seats for $235, and a larger engine for $1 120. Freight and air-conditioning charges apply. Find the total cost for this truck if he gets a trade-in allowance of $2 600.

TOTAL PRICE =

LESS TRADE IN =

PLUS TAXES (GST & PST) =

PURCHASE PRICE =

Lesson 2: Leasing a new Vehicle

When you lease an item, you make monthly payments to cover the depreciation of the item over the duration of the lease, taxes on the amount of the depreciation, and interest on the outstanding balance of the full purchase price. The price of a lease depends on three factors: the residual value, the interest rate offered for the lease, and the length of the lease. Down payments may also affect the lease.

Residual Value:____________________________________________________

________________________________________________________________

________________________________________________________________

Depreciation:______________________________________________________

________________________________________________________________

________________________________________________________________

InterestRate:_____________________________________________________

________________________________________________________________

________________________________________________________________

Lease Term: _____________________________________________________

_______________________________________________________________________________

_______________________________________________________________

Advantages of Leasing

Disadvantages of leasing

Example: The cost of a Toyota Four Runner is $54 000 plus taxes (freight include in this price). The monthly lease payment is $459 plus taxes for a lease term of 36 months. For leasing, a down payment of $4 050 is required. As well, a refundable security deposit of $500 and the first month’s payment must be paid when the lease is signed.

Leasing this vehicle:

1. Total monthly payment = monthly payment x 1.12 (price + taxes)

2. Total Lease Payment: Down Payment =

Monthly Payment x # of Months =

Total Lease Payment =

3. Calculate the residual value at the end of the lease if the residual value rate for this type of vehicle is 75% after three years.

Residual Value = Cost of Vehicle x Residual Value Rate (then add taxes)

4. If you decide to purchase the vehicle at the end of the lease the total cost would be the Total Lease Payment plus the Residual value.

Total Cost of Purchasing Leased Vehicle =

Assignment 2: Answer the following questions.

1. Carly is looking to lease a 2012 Honda Pilot that sells for $43 090 and leases for $440 plus taxes per month for a lease term of 48 months. A down payment of $3 000 is required.

Determine: a) the total monthly payment

b) the total amount paid at the end of the lease

c) the residual value of the vehicle (residual value rate = 80%)

d) the total amount paid for this vehicle if it is purchase at lease end

2. Rob is enjoying the spring weather and feels that he needs to lease a 2008 Mustang Convertible that sells for $30, 249 and leases for $450 plus taxes per month for a lease term of 36 months. No down payment is required.

Determine:

a) the total monthly payment

b) the total amount paid at the end of the lease

c) the residual value of the vehicle (residual value rate = 55%)

d) the total amount paid for this vehicle if it is purchase at lease end.

3. Consider the following options. You can purchase the car now or lease the car for 3 years and then purchase it. Consider a new car with a purchase price of $18 500 plus taxes.

Option 1: Purchase. There is a down payment of $8000. GST is 5% and PST is 7%. The monthly payments are $369.03.

a) What is the total cost of the car, including taxes?

b) What is the total amount to be borrowed?

c) What is the monthly payment?

d) What is the total amount paid for the car, including the down payment?

Option 2: Lease and Purchase. There is no down payment. The lease payment is $325 per month, plus GST and PST. After 3 years, you purchase the car for $7500, plus GST and PST. GST is 5% and PST is 7%. Determine the following.

a) What is the monthly lease payment, including taxes?

b) What is the total of the lease payments over the 3-year period?

c) What is the total amount paid for the car after the purchase?

4. A new car with a purchase price of $46 500 can be either purchased outright or leased and then purchased. There is 5% GST and no PST. Consider the following options.

Option 1: Purchase. There is a down payment of $12 000. The car is purchased and paid for monthly for 4 years. The monthly payment is $791.21. Determine the following.

a) What is the total cost of the car, including taxes?

b) What is the total amount to be leased?

c) What is the monthly payment on the loan?

d) What is the total amount paid for the car, including the down payment?

Option 2: Lease and Purchase. There is a down payment of $8000. The lease payment is $450 per month, plus GST. After 4 years, the car is purchased for $18 500, plus GST. Determine the following.

a) What is the monthly lease payment, including taxes?

b) What is the total of the lease payments over the 4-year period?

c) What is the total amount paid for the car after purchase, including the down payment?

5. A new car with a purchase price of $22 600 can be either purchased outright or leased and then purchased. There is 5% GST and 7% PST. Consider the following options.

Option 1: Purchase. There is a down payment of $10 000. The car is purchased and has a monthly payment of $433 for 2 years. Determine the following.

a) What is the total cost of the car, including taxes?

b) What is the total amount of the care to be leased?

c) What is the monthly payment on the loan?

d) What is the total amount paid for the car, including the down payment?

Option 2: Lease and Purchase. There is a down payment of $5000. The lease payment is $350 per month, plus taxes. After 2 years, the car is purchased for $12 400, plus taxes. Determine the following.

a) What is the monthly lease payment, including taxes?

b) What is the total of the lease payments over the 2-year period?

c) What is the total amount paid for the car after purchase, including the down payment?

Lesson 3: Borrowing Money for a New Vehicle

We will use the same example from leasing a new car:

Example: The cost of Toyota Four Runner is $54 000 plus taxes (freight is included in this price). The Toyota company is offering 4.75% financing for a three-year loan with a down payment of $4 050. Use the table below to determine the monthly payment and the total cost of purchasing the vehicle.

Monthly Vehicle Loan Payments

Cost per $1000 or principal per month

|Interest Rate % |1 year |2 years |3 years |4 years |5 years |

|4.00 |85.23 |43.47 |29.58 |22.66 |18.52 |

|4.25 |85.34 |43.58 |29.69 |22.77 |18.63 |

|4.50 |85.45 |43.69 |29.80 |22.88 |18.74 |

|4.75 |85.56 |43.80 |29.91 |22.99 |18.85 |

|5.00 |85.67 |43.91 |30.02 |23.10 |18.96 |

|5.25 |85.78 |44.02 |30.13 |23.21 |19.07 |

|5.50 |85.89 |44.13 |30.24 |23.32 |19.18 |

|5.75 |86.00 |44.24 |30.35 |23.43 |19.29 |

|6.00 |86.11 |44.35 |30.46 |23.54 |19.40 |

|6.25 |86.22 |44.46 |30.57 |23.65 |19.51 |

|6.50 |86.33 |44.57 |30.68 |23.76 |19.62 |

|6.75 |86.44 |44.68 |30.79 |23.87 |19.73 |

|7.00 |86.55 |44.79 |30.90 |23.98 |19.84 |

|7.25 |86.66 |44.90 |31.01 |24.09 |19.95 |

|7.50 |86.77 |45.01 |31.12 |24.20 |20.06 |

|7.75 |86.88 |45.12 |31.23 |24.31 |20.17 |

|8.00 |86.99 |45.23 |31.34 |24.42 |20.28 |

1. Total Cost (Price + taxes) =

2. Loan Required (cost – down payment) =

3. Monthly Payment (using chart) =

4. Total Cost of Purchasing Vehicle

(monthly payment x # of months + down payment) =

5. Answer the same questions but change the loan payment to 5 years.

Assignment 3: Answer the following questions neatly and show work like in the examples given.

1. Carly is looking to buy a Honda Pilot that sells for $43, 090 plus taxes. A down payment of $3000 is required. The Honda dealership is offering a loan rate of 5.75% over 4 years. Determine:

a) the total cost

b) the amount of loan required

c) the monthly payment

d) the total amount paid for the vehicle by the end of 4 years

2. Rob is enjoying the spring weather and feels that he needs to buy a Mustang Convertible that sells for $30, 249 plus taxes. A down payment of $2050 is required. The bank offers Rob a 3 year loan at 7.5% interest. Determine:

a) the total cost

b) the amount of loan required

c) the monthly payment

d) the total amount paid for the vehicle by the end of 4 years

3. Option 1: Purchase. There is a down payment of $7500. GST is 5% and PST is 7%. The car is purchased with a loan of 5.9% and paid monthly for 5 years. Determine the following.

a) What is the total cost of the car, including taxes?

b) What is the total amount to be borrowed?

c) What is the monthly payment on the loan?

d) What is the total amount paid for the car, including the down payment?

Option 2: Lease and Purchase. There is no down payment. The lease payment is $325 per month, plus GST and PST. After 5 years, you purchase the car for $7500, plus GST and PST. GST is 5% and PST are each 7%. Determine the following.

a) What is the monthly lease payment, including taxes?

b) What is the total of the lease payments over the 3-year period?

c) What is the total amount paid for the car after the purchase?

Which is the better option? Why?

4. You want to purchase a new car with a purchase price of $55,500 There is 5% GST and no PST. There is a down payment of $5000. The car is purchased with a loan of 6% p.a and paid monthly for 4 years. Determine the following.

a) What is the total cost of the car, including taxes?

b) What is the total amount to be borrowed?

c) What is the monthly payment on the loan?

d) What is the total amount paid for the car, including the down payment?

5. A new car with a purchase price of $15 300. There is 5% GST and 7% PST. There is a down payment of $10 000. The car is purchased with a loan of 1.5% p.a., compounded semi-annually, and paid monthly for 2 years. Determine the following.

a) What is the total cost of the car, including taxes?

b) What is the total amount to be borrowed?

c) What is the monthly payment on the loan?

d) What is the total amount paid for the car, including the down payment?

Lesson 4 Fuel Costs

Fuel costs vary across North America. Fuel costs can even vary within the city.

COST (in $) = Litres of Gas X Cost of Gas per Litre (in dollars)

ex. How much does it cost to fill a 40L tank at $1.21/L?

COST PER LITRE (in dollars) = Cost (in $)

# of litres

ex. What is the cost / L if a 50L tank costs $58 to fill?

# OF LITRES = Cost (in dollars)

Cost / L (in dollars)

Ex. How many litres does it take to fill a tank that costs $60 to fill at a price of $1.10 / L?

Distance Driven

***The odometer on your car shows how far you have travelled.

Distance Travelled = Final Distance – Initial Distance

Ex. Before you leave on your trip your odometer reading (in km) is 10 346.1. After you return, your odometer reads 11 854.3. How far did you travel?

Assignment 4

1. Complete the following chart.

| |Litres |Cost/Litre |Total Cost |

|a) |90 |$1.05 | |

|b) |18 |$1.20 | |

|c) |51.3 |95 cents | |

|d) |87.4 |$1.11 | |

|e) |58.2 | |$65.06 |

|f) |82.7 | |$79.10 |

|g) | |$1.08 |$45.60 |

|h) | |$1.13 |$53.80 |

|i) | |98 cents |$49.21 |

2. Determine the distance travelled using the odometer readings given below.

a) Initial = 039287.6 Final = 040324.3

distance travelled =

b) Initial = 076543.2 Final = 076956.7

distance travelled =

c) Initial = 001279.8 Final = 001454.3

distance travelled =

d) Initial = 003883.3 Final = 007375.2

distance travelled =

e) Initial = 123914.5 Final = 124721.3

distance travelled =

3. A car requires 52 liters of gasoline. If the cost of gasoline is $1.20 per liter, calculate the cost to fill the tank.

4. A bill for gasoline was $21.50. If the cost of gas is $1.41 / liter, determine the number of liters purchased.

5. A car consumed 70 liters of gasoline which cost $89.25. What was the cost per liter?

Lesson 5: Fuel Economy

Fuel economy also varies with each vehicle. Small cars are going to be more fuel efficient than the larger trucks and SUV’s.

*** FUEL ECONOMY IS EXPRESSED AS L/100KM ***

FUEL ECONOMY = Litres of Gasoline Used x 100

Km Driven

Ex. Shane can drive 485 km with a full tank of gas before he runs out. If the car can take 36 litres of gas, find

a) the fuel economy for the car.

b) the cost of fuel per 100 km if the cost per litre was $1.14.

Total cost for fill =

Cost per 100 km =

Assignment 5

Determine the fuel economy on the following trips. The odometer readings are:

Initial Final Liter Used

a. 71 416 71 739 57.6

b. 23 165.2 23 721.9 54.8

c. 87 158.1 88 031.4 97.2

d. 15 632 16 341 37.2

e. 135 714.8 136 028.3 43.9

#2) Brigette travelled in her minivan to Churchill to watch the polar bears and kept track of her gas purchases. For each part of the trip, she would like to know: (i) km driven, (ii) cost of each fill-up

and (iii) fuel economy in L/100km.

She left on June 29th with a full tank of gas and an odometer reading of 51 372.0

|Final Reading |Km driven since last |litres |Cost per litre |Cost of fill up |Fuel economy in L/100km|

| |fill | | | | |

|a) 51 570 | |27.2 |$1.12 | | |

|b) 51 727 | |27.2 |$1.13 | | |

|c) 51 947 | |41.8 |$1.08 | | |

|d) 52 280 | |51.3 |$1.17 | | |

|e) 52 565 | |52.2 |$1.20 | | |

Example work for a)

i) Km Driven = 51 570 – 51 372 = 198 km ii) Cost of fill up = 27.2 x 1.12 = $30.46

iii) Fuel Economy = 27.2 x 100 = 13.7 L/100km

198

#3) Using the information from the chart in question 2, answer the following questions:

a) What was the total quantity of gas purchased?

b) What was the total cost?

c) What was the average fuel economy for the whole trip?

Lesson 6 – Costs and Repairs and Maintenance

Repair costs include the following three things:

•

•

•

Example: Melissa took in her vehicle to get serviced. She had the oil and oil filter changed. She also had two headlights and her muffler replaced. The costs were as follows:

Four litres of oil at $2.50 per litre, one oil filter at $6.25, two headlights at $30.25 each, and a muffler for $45.00. The time required for servicing was 1.4 hours. The shop rate for labour was $62 per hour. How much is this service going to cost Melissa?

DEPRECIATION

Example: Find the resale value of a $21 000 Honda Civic in five years if it depreciates 20% every year. (note: this car may actually sell for more or less depending on the condition it is in)

First year:

Second Year:

Third Year:

Fourth Year:

Fifth Year:

What is the total depreciation at the end of the five years?

Example: Complete the table below for a sport utility vehicle with a purchase price of $38 000.

Depreciation .70 .64 .60 .55 .48

Assignment 6

1) Determine the resale value and total depreciation of the following vehicles during the years given.

a) a $56 870 Chrysler Aspen at the end of five years..

Resale value: Total Depreciation:

b) a $40 000 Ford Explorer at the end of three years

Resale value: Total Depreciation:

c) a $26 500 Honda Civic Hybrid at the end of four years.

Resale value: Total Depreciation:

2) Andrew often needs repair on his car. His mechanic charges $59/hr to work on his car. Find the total cost of repair for each service (include parts, labour, and taxes).

a) four litres of oil at $3.15/L, one oil filter for $4.54, and an air filter $10.65. Installation time is 0.6 hours.

Total parts: Total Labour:

Total including taxes:

b) Two fan belts for $29.50 each and two headlights for $79.85 each, installation time 0.6 hours.

Total parts: Total Labour:

Total including taxes:

c) A fuel filter for $17.61, installation time 0.3 hours.

Total parts: Total Labour:

Total including taxes:

d) 2 wiper blades at $3.72 each, one exhaust pipe for $145, muffler and tail pipe for$89.95, installation time 1.7 hours.

Total parts: Total Labour:

Total including taxes:

e) The car’s suspension needs to be looked at. It costs $59.98 for the shocks and $81.33 for the strut. It will require 3 hours of labour to fix the suspension.

Total parts: Total Labour:

Total including taxes:

f) The cooling system needs to be flushed. It will cost $59.99 including labour. Then antifreeze will be added. It costs $8.95 for a 4L jug and 8 litres are needed.

Total parts & Labour:

Total including taxes:

3. Complete the table below for a pick-up truck with a purchase price of $27 000.

Depreciation .80 .73 .68 .63 .57

Lesson 7: Buying a Used Vehicle

For your info: ** A new car depreciates by about 20-30% during the first year. It then continues to depreciate at about 5 – 10% every year after that. **

What to do when you are looking to purchase a used vehicle:

•

•

•

•

•

•

•

Cost of a Used Vehicle:

Use the following steps when calculating the cost of buying a used vehicle:

1. Start with the cost of the vehicle

2. Diagnostic Test and Repairs (+ GST and PST) ?

3. Add PST on the book value of the car (i.e. book value x 0.07)

4. Add safety check ($40 + GST) ?

5. Add Lien Search ($3 no tax) ?

6. Total Cost (Add # 1-5)

For your info: **When buying a used car from a dealer you must pay GST and PST.**

Example: Kevin wants to buy a used car from a private owner for $2100. He will need to do a lien search for $3 and get a diagnostic test from a mechanic for $25. He also needs to do $400 of repair. The book value of the car is $2600 and the car will need to be safetied ($40). How much will the car cost Kevin?

1. Cost =

2. Diagnostic Test and Repairs =

3. PST on Book Value =

4. Safety Check =

5. Lien Search =

6. Total =

If Ryan bought this car from a dealer for $2600, how much would it cost?

Assignment : Answer the following questions. Use the example done in class to guide you. SHOW ALL WORK!!

1) Russ found a car that he would like to buy through a private sale. The price of the car is $1985. A friend examined the car and recommended that Russ install a new battery for $129 and get a tune-up for a cost of $85. The safety check will cost $40 plus GST. The book value for this car is $2200. How much will this car really cost Russ?

2) Emily found a car in the Auto Trader that she wanted to buy for $8595. A diagnostic check was done for $35 and a lien search for $3. A safety check was done for $40 plus GST. The book value of the car was $8000. What did Emily pay for the car?

3) Kelseigh goes to a dealer to buy a used car. The price for the car is $12, 430. How much does she really pay?

4) Jared has a choice of two cars. One is a private sale for $4465. A diagnostic check would need to be done for $35 and a lien search for $3. She will have to buy two new tires for $275. A safety check will need to be done which costs $40 plus GST. The book value of this car is $5000. The other car can be bought through a used car dealer on sale for $4900. Which is the better buy and by how much?

Lesson 8: Vehicle Insurance

GUIDE TO AUTOPAC

Using the guide to Autopac booklet, answer the following questions:

1) List 3 factors that affect what you pay for Autopac.

2) List 3 criteria for earning a merit premium.

3) Describe Autopac’s definition of “pleasure passenger vehicle”.

4) List 2 major communities in each of Autopac’s 4 territories.

5) Why is Autopac cheaper in Territory 3 compared to Territory 1?

VEHICLE INSURANCE

Basic Insurance

1) $500 deductible on all driver at fault accidents

2) Third Party Liability (TPL) coverage ($2 000 000)

- damage to someone else’s property

- injury to another individual from an accident outside of Manitoba

If you choose to have a lower deductible ($300, $200, or $100) you must pay more in insurance but less when you have an accident.

Finding Insurance Costs

Use the following steps:

1) Select the correct sheet for the territory where you live.

2) Decide your purpose for driving (Pleasure/All-Purpose)

3) How many merits?

4) Which deductible do you want to have? ($500, $300, $200, $100)

5) Go to the rating group.

6) Find cost for TPL

7) Add TPL to Insurance.

**Be sure to add cost for basic coverage ($500) if you want a smaller deductible.**

Ex.1 Rob lives in Winnipeg and has a 1992 Thunderbird (rating group 6). He has 3 merits, and wants a $500 deductible policy with a $2 000 000 Third Party Liability. The vehicle is used for all-purpose driving.. Find his insurance costs.

Ex. 2 Jeff lives in Brandon, Manitoba and has a 2002 Dodge Neon (rating group #25). He has no merits and wants a $2 000 000 TPL policy. He will be driving the car to and from University each day. Find his insurance costs for:

a) $500 deductible b) $300 deductible

b) $200 deductible c) $100 deductible

Assignment 8:

1) Evan drives his 2001 Chevy Blazer (rating group 25) to work or school every day. He has 2 merits and would like basic insurance coverage with $1,000,000 TPL. He lives in Territory 1. What are his insurance costs?

2) Olga wants to get all-purpose coverage for her 2000 Accura Integra (rating group 30). She has no merits and would like the $100 deductible and $2,000,000 TPL. She lives in Territory 2. What will be her insurance costs?

3) Jennifer lives in Winnipeg and drives a 2006 Audi Quattro (rating group 30). What would be her insurance cost if she wants all-purpose coverage, has 3 merits, wants a $300 deductible, and $5,000,000 in TPL coverage?

4) Mrs. Beatty drives a 2005 Dodge Caravan (rating group 23). Her consumer 30S class is driving her crazy so she is considering moving to Brandon. What will her all-purpose car insurance costs be if she is living in Brandon, has 3 merits, wants a $200 deductible and $2,000,000 TPL?

5) Carly lives in Territory 1 and is considering buying either a Honda Civic LX (rating group 29) or a Honda Civic Hybrid (rating group 27). She wants to see the difference in insurance costs for these vehicles. If she has 2 merits and she would like a $100 deductible and $1,000,000 in TPL, what would be the difference in insurance costs?

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