Whether you’re paying cash or taking out a loan, there are some great online resources to help out. An auto-loan calculator can calculate the loan for you, based upon your down payment and financing. Try to get pre-approved financing before walking into the dealership. It puts you in a stronger position as the consumer. Don’t forget to keep savings set aside for registration, insurance and your vehicle service contract.
Once you select a few models and brands, check those against the Insurance Institute for Highway Safety. It’ll give you a run-down of crash test results. In the end, have 3 models that you’d like to research in-person. You want to know what a vehicle will cost you in the long run. If the purchase price feels low, it may cost more in insurance, maintenance, repairs and depreciation.
During the test drive, pay attention to the acceleration, brakes and mechanical condition. If you have the opportunity, do a test drive with the family or your spouse. It helps to have a second set of eyes. Plus, you’ll see how your family actually fits into the vehicle space. Once you’ve finished the testing, it’s time for negotiations. While this is probably the most stressful part of purchasing any car, you’ve already done the research. Use the pricing tools to help you secure the fair market value price. Don’t be afraid to speak up about any concerns you have regarding the car’s condition, too. Ask about any hidden fees and don’t be afraid to walk away if you feel uncomfortable with the asking price.
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