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Hello everyone... I'm a new member here and no, i don't own a GTI, YET (Oh, how i love tax returns).... I will be waiting a month to get mine, and i have some questions that need answering. I've lurked around here for a while and could not find some of the more specific answers. Ok, a little background:

1- I will be trading in a 2000 Honda, which i still have about $3000 to pay for.

2- I don't think i will have that much $ to put down.

3- I already pay a whole lot for insurance as is.

I just want some opinions/experiences on the buying process, and whether insurance/monthly payments sky-rocketed thereafter. I haven't had much chance to negotiate with car salesmen altogether, and the fact that i still owe some money on my current car have had me looking at this venture under a totally different light. I live in Florida in case that is of any pertinence.

Thanks in adavance...
 

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I also used my tax refund last year as part of my downpayment. This year, once I get my tax refund, I should have enough in the bank to pay off my car loan entirely.
 
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