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A dealer value indicates the price you could reasonably expect to pay to purchase a vehicle from a professional vehicle dealer. Dealers will often bring cars up to a marketable standard, both mechanically and aesthetically, as well as provide warranty coverage post-sale. These inclusions are not generally provided by private sellers.

Sometimes your bank or credit union will allow you to look at their repo file, which lists all the cars and trucks they have repossessed and would like to sell. Often the lender just wants to recoup their losses, so you can get very good deals this way. Sometimes you can even get financing for the car directly from the lender that owns it.

Acquisition Fee: Sometimes called a bank fee or administrative fee, this is a fee that leasing companies charge to arrange the lease. This fee is typically between $395 - $895, depending on the vehicle and leasing company. Note that acquisition fees can be bundled into the monthly lease payment, or paid up-front.

It's typically 2 or 3 percent of either the invoice or the sticker price of the car. On a $20,000 car, a hold back represents $400 to $600. The hold back allows dealers to sell a car at invoice price (or even below invoice) and still make money. Most manufacturers offer hold backs to their brands' dealers, but not all.

Two- and three-year-old used vehicles are often the best values. Not only is the price lower than a comparable new car's, but continuing ownership expenses such as collision insurance and taxes are lower, and a two- or three-year-old used vehicle has already taken its biggest depreciation hit.