1. I expect to hold on to this car:

Four years or less.

Five years.

Six years or longer.

2. The condition in which I keep my car is:

Good, I expect to get a few parking dents and minor scratches.

Fair, it will have some scratches, interior stains, and minor dents.

Poor, it will probably be in rough condition.

3. I change the oil and maintain my vehicle:

As recommended by the manufacturer.

Well enough to keep my cars in good condition.

Only when I really have to.

4. Each year, I typically drive my car:

12,000 to 15,000 miles or less.

15,000 to 20,000 miles.

Over 20,000 miles (i.e., daily commute of 60+ miles + other driving).

5. To get this car I am willing to put down:

Nothing at all.

Some money, but less than 20 percent.

20 percent or more of the purchase price.

6. I can use the savings in my monthly payment and initial payments from leasing to:

Pay down my credit card debt, put into my company or personal retirement plan, put into my child's college fund or accumulate 6 months of living expenses in a savings or brokerage account.

Save for a future financial goal such as purchasing a new home or making a home addition.

I am not a "saver," I will spend the savings each month.

7. An end-of-term "walk-away provision":

Important since it protects me against declines in the used car market.

Not very important since I plan to purchase the vehicle at lease end.

Not important. I don't mind negotiating the trade-in value when I'm ready to trade.

8. I would like being able to return the vehicle without negotiating the trade-in value:

A lot since I don't want to spend the time or energy to try to negotiate the best trade-in price.

Some, but I don't mind doing my homework and going to several dealers to work the best trade-in deal.

Not at all, I don't mind negotiating the trade-in value with the dealer sales staff.

9. I'm a good candidate for a finance option where I don't build equity in the vehicle because:

I'm financially disciplined and don't overspend or live beyond my means.

I like getting the best products I can afford, and I'm willing to adjust the rest of my budget to pay for my obligations.

I like nice things and I figure "since you only go around once, get the best" regardless of whether I can afford it.

10. With respect to my vehicle insurance:

I believe in protecting myself with good insurance coverage and I would never let my auto insurance lapse.

I'm willing to pay for any extra insurance coverage to get the car I want.

I don't want to pay any extra insurance cost just to get a better car.

I now have only the state minimum insurance coverage and I want to keep this level.