Remember that you, the consumer, have the most important tool in negotiation: that's the dollar. And the bottom line is car companies need to move product.

These differences mean that a car buyer's best defense against rising gas prices is to shop carefully within the class of car they are considering. Consumers can save hundreds of dollars a year by simply buying a higher rated subcompact, SUV or minivan.

Most of us know when we own a car we'll probably have to replace the front brake pads. Just knowing how much that will cost before you buy can save you a lot of money.

Our sense is that people don't have enough put away for a rainy day.

During a negotiation, it would be wise not to take anything personally.

This is out of the question and out of negotiation.