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The essential checklist before buying a new car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial decisions by providing you with interactive tools and financial calculators as well as publishing relevant and impartial content, by enabling you to conduct your own research and compare data for free to help you make informed financial decisions. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies who pay us. This compensation could affect how and where products appear on this website, for example the sequence in which they appear in the listing categories, except where prohibited by law for our loans, mortgages, and other home loan products. This compensation, however, does have no impact on the information we provide, or the reviews that appear on this website. We do not include the entire universe of businesses or financial deals that may be open to you. Sergey_T/Getty Imgaes
4 minutes read. Published 21st October 2022
Authored by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers with the ins and outs of securely taking out loans to buy cars. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to take control of their finances by providing clear, well-researched information that breaks down complicated topics into manageable bites. The Bankrate promise
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We receive compensation for the promotion of sponsored goods and services or by you clicking on certain links posted on our website. This compensation could affect the way, location and in what order products are displayed within the categories of listing, except where prohibited by law for our mortgage home equity, mortgage and other home loan products. Other factors, like our own proprietary website rules and whether or not a product is available in your region or within your personal credit score could also affect how and when products appear on this site. We strive to provide an array of offers, Bankrate does not include information about every financial or credit product or service. The process of buying a car for the first time isn't easy as well. One of the hardest parts of the process is figuring out where to start. From finding the perfect vehicle for your budget and lifestyle to negotiating the best deal, there are numerous steps to follow. The cost of new cars is high because of inflation and a an extremely limited inventory . This means it's crucial to be well-prepared to make the purchase. If you are planning to purchase a car in your future, take these steps to make sure you have the best price and vehicle for your requirements. Before heading to the lot: Researching Much of the work in buying a new car takes place before you step foot in a dealership. Here's where to start. Make a list of goals. This may seem obvious but the first step is to determine what vehicle you want with regard to the features that are essential versus simply being nice to possess. Check pricing. Before you begin negotiations, be aware of market pricing and set expectations for how much you're willing to invest. It is a fantastic resource for researching current vehicle pricing before arriving at the lot. Explore the financing options. There are two main choices for car financing that you can choose from: and . The pros and cons for both of them. Independent lenders might offer you a lower interest rate and dealerships might offer incentives, such as- if you take out an loan via them. Take a look at the math. Owning a vehicle costs far more than just the sticker price. Make sure you are prepared for extra costs, such as gas, insurance, registration, taxes and fees. Check your credit. Like most major purchases, your credit score is a vital aspect in your rate of interest. and before going to the dealer. Prepare your paperwork. Make sure you arrive at the dealership with your driver's license, proof of payment method, and proof of insurance. If you are financing through the dealership, you'll require proof of employment, income and your residence. Get preapproved for an auto loan by at three lenders. It takes only just a few minutes for your precious time. A loan preapproval gives you the same negotiation ability as a cash buyer and shows the dealership you mean business. The majority of preapproval letters are valid for up to thirty or sixty days. While on the lot: Researching the car Test driving is among the most crucial aspects of your car purchase. Explore every aspect of your car with your life in mind. Examine the specifics. The car you choose to drive for a long time So be prepared to research the ins and outs of the vehicle to make sure that it's the perfect fit. Are the seats comfortable? Do you have easy access to the spare tire? Is the trunk large enough? Plan a test route. Check the car out in the same conditions in which you'll be driving it -- on the freeway, through stop-and-go congestion, parking spaces or on hills. If you don't know the area well, tell the salesperson the type of driving you'd like to perform and ask which direction to take. Take the wheel. Take to your own time while driving to test your brakes as well as park in tight spaces and check the visibility. Also, you should be aware of the noise of the road and the smoothness of the ride. Compare the car that you are considering to your checklist. Remember that list of nice-to-haves and the essentials you wrote down? When you've found a car, ensure the vehicle aligns with those priorities so you can enjoy the life style you want. Don't let your emotions take over. If you're in the new car you saw on the lot, enjoying its advanced features and new car smell it's effortless to lose track of your financial plan or the things you must have and let your emotions rule the day. If you see a car you like, but it doesn't match your original parameters, go home and think about the purchase before making a decision. When you are on the lot: Deal-making After you've chosen your dream vehicle, you'll need to be prepared to make inquiries and negotiate for an affordable price. Check for deals. Dealerships can offer special pricing dependent on the day of the week. Search for special pricing or rebates before meeting with the salesperson. Do not discuss trade-ins. Salespeople will probably push for a purchase, but you should negotiate your purchase price before discussing your old vehicle. So, the dealership won't have a number in mind based on the value of your previous vehicle. Offer a counteroffer. Utilize the number you gathered in your research of market value to guide your decision. The key to a counteroffer is to not make it so outrageous that the dealer won't take you seriously and yet push back enough to get the best price. Make sure you negotiate with confidence. Negotiation is among the most hated aspects of buying a car. But if you come to the most favorable deal on cost of the vehicle and the financing provided by the dealer and, if it's applicable, you may save big. Don't overdo your negotiation. Always be ready to walk away when you're not satisfied with an offer. Take the time to read the small text. Before you sign on your dotted line make sure you read your contract in full. Be sure to pay attention to the amount due in advance, which includes closing costs as well as . Many of these fees are negotiated or waived through the seller. The main thing to remember is that buying the latest car can impact your budget for a long time, so be sure you're prepared when you begin the process. Research vehicles before you head to the dealership, crunch the numbers, and work out the amount you're able to afford. Once you get to the dealership, leave your feelings at home and stay firm in your budget. Find out more
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This article is written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the ways and pitfalls of borrowing money to buy cars. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain confidence to take control of their finances by providing clear, well-researched details that cut complicated subjects into bite-sized pieces.
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