(1)乘坐A型车需付:10+1.2(x-3)元,乘坐B型车需付:8+1.4(x-3)元;(2)当x=20时,乘坐A型车需付:10+1.2(20-3)=30.4(元),乘坐B型车需付:8+1.4(20-3)=31.8(元),故选用A型车比较省.