New-car buying guide
Make sense of a new-car offer.
Compare the car, the written offer and the full cost before you commit. OttO provides nationwide remote guidance from the 805CarGuy team; this site is for local hands-on help.
I’m Isaac Feldman. I’ve worked in automotive sales and service and have been in the car business since 2000. I’m based in San Luis Obispo. For help choosing a new car or reviewing written offers, see OttO’s remote services.
Explore help with OttONo payment to inquire. We agree on the work and price before starting.
Start with the car you actually want.
Two cars with the same model name can have different equipment. I help clarify the trim, drivetrain, options and features that matter to you, then compare availability and offers for those requirements. A lower quote is less useful if it leaves out something you need.
Send the listings or window stickers you’re considering, your must-haves and your timing. If you’re still choosing a model, tell me where you’re stuck so we can agree on a useful starting point.
Make the written offers comparable.
Ask each dealer for an itemized, out-the-door quote tied to the specific car. That means the purchase total before financing, including taxes and fees. The FTC recommends getting this in writing before visiting.
I look at the vehicle price, dealer charges, trade-in and add-ons so you can see what each part contributes. For advertised rebates, I check the stated eligibility conditions and whether the offer depends on particular financing. The FTC explains why advertised discounts need that closer look.
For an add-on, ask what it costs, what it covers and whether you want it. Keep the quote and compare it with the final paperwork. An explanation should make the numbers easier to follow.
Look at the full cost alongside the payment.
A monthly payment matters to your budget. Compare the amount financed, down payment, APR, loan length and total paid as well. A longer loan can reduce the payment while increasing the interest cost. The CFPB’s loan comparison guide explains those tradeoffs.
I help you review the financing or lease terms in the offer and identify questions to resolve with the dealer. You decide which terms work for you before committing.
Get remote guidance with OttO.
For help choosing a car or a written second opinion on the offers you’re considering, see OttO’s nationwide services and prices. You stay in control of the car and terms you choose; the agreed service scope sets the work included.
Ask OttO about a written second opinionPractical buying references
By Isaac Feldman · Service links updated October 9, 2026. Consumer guidance last checked September 30, 2026: