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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 aim is to assist you make better financial choices by offering you interactive tools and financial calculators that provide objective and original content. This allows users to conduct research and compare information for free and 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 Make Money The offers that appear on this website are provided by companies that compensate us. This compensation can affect the way and where products appear on the site, such as, for example, the order in which they may appear in the listing categories in the event that they are not permitted by law for our mortgage, home equity and other home lending products. But this compensation does affect the information we publish, or the reviews that you read on this site. We do not cover the universe of companies or financial deals that may be open to you. Sergey_T/Getty Imgaes

4 min read Published 21st October 2022

Written by Rebecca Betterton Written by Auto Loans Reporter Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in helping readers in navigating the details of borrowing money to buy a car. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping readers gain the confidence to take control of their finances through providing clear, well-researched information that breaks down otherwise complex subjects into bite-sized pieces. The Bankrate promises

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So, this compensation can impact how, where and in what order items appear within listing categories in the event that they are not permitted by law. We also offer mortgage or home equity products, as well as other products for home loans. Other factors, like our own proprietary website rules and whether the product is available within your region or within your own personal credit score can also impact how and when products appear on this site. Although we try to offer the most diverse selection of products, Bankrate does not include information about every credit or financial product or service. The process of buying a car for the first time isn’t easy among the hardest parts to complete is knowing where to start. From finding the perfect vehicle for your lifestyle and budget to negotiating a deal, there are a lot of steps to take. Prices for new cars are rising because of inflation and a shortage of inventory . This means it’s crucial to be well-prepared for the purchase process. If a car purchase is likely to be in the near future, follow these steps to ensure you get the best deal and vehicle for your needs. Before heading to the lot: Researching Much of the research involved in purchasing the latest car is done before you ever step foot in a dealership. Here’s where you can begin. Set your sights. It may sound obvious however the first step is to choose which vehicle you’d like to purchase and what features are important versus desirable to have. Check pricing. Before entering negotiations, understand the current market prices and establish expectations regarding the amount you’re willing to pay. It is a fantastic resource for researching current vehicle prices prior to arriving on the dealership. Explore financing options. There are two main choices for financing your car that you can choose from: and . Pros and Cons to both options. Independent lenders may offer you the lowest interest rates however, dealerships may offer incentives -for example- if you take out the loan through them. Do the calculations. Owning a vehicle costs far more than the sticker price. Be prepared to pay for any additional costs, like , gas as well as insurance, registration taxes and fees. Be sure to check your credit score. Similar to most purchases the credit score of your prospective buyer is an important aspect in your interest rate. and before going to the dealership. Organize your paperwork. Be at the dealership with your driver’s license, proof of payment method and the proof of insurance. If you’re financing with dealers, then you’ll also need evidence of income, employment and residence. Be preapproved for the car loan with at least three lenders. It will only take a few minutes of your time. A loan preapproval provides you with the same negotiation capability as cash buyers and shows the dealership you’re serious. Preapproval letters typically last for up to 30 or 60 days. On the lot: Investigating the car A test drive is one of the most important elements of your purchase. Investigate all aspects of your vehicle with your life in your head. Examine the specifics. This will be your vehicle for a while Be prepared to explore the insides and outs to make sure that it’s the right fit. Are the seats comfortable? Can you easily access the spare tire? Does the trunk have enough space? Plan a test route. Check the car out in the same conditions in which you will drive it — in the highway, in stop-and-go traffic, in parking spaces and on hills. If you’re not familiar with the region well, explain to the salesperson what kind of driving you’d like to do and ask them what direction you should take. Start driving. You can take to your own time while driving as you check the brakes and parking in tight spots and test the visibility. It is also important to check road noise and ride smoothness. Check the car on the lot to the list you made. Did you remember that list of things you want and essentials you made? Now that you’re on the lot check that the car aligns with your priorities to ensure you have the ideal life style you want. Leave emotions at home. If you’re in the new car you saw on the lot, enjoying the high-tech features and the fresh smell of the car, it’s easy to forget about your budget or must-haves and let emotions take over. If you see a car you like, but it doesn’t match your initial requirements, drive home and think about the purchase before making a decision. On the lot: Deal-making After you have chosen your ideal car You’ll need to be ready to make inquiries and negotiate for the best price. Check for deals. Dealerships may have special prices according to the time on a week. Search for special pricing or rebates prior to meeting an agent. Don’t talk trade-in. The salesperson is likely to insist on a trade-in , but it’s best to discuss the purchase price prior to discussing your old vehicle. So, the dealership will not have a figure that they’re considering in relation to the value of your old car. Make a counteroffer. Use the number you found in your research of market value to guide your decision. The most important thing to consider when countering is to not be so exaggerated that the seller will take you seriously and yet push back enough to obtain the most favorable price. Make sure you negotiate with confidence. Negotiation is among the most stressful aspects of buying a car. But if you come the best deal on the car price and dealer financing in the event that it is available you could save a significant amount. Remember, don’t rush your negotiations; be prepared to walk out if you’re unsatisfied with the offer. Take the time to read the fine print. Before you sign on your dotted line you must read your contract thoroughly. Pay particular attention to money due upfront, including closing costs as well as . A lot of these costs can be negotiated or waived by the dealer. The bottom line Buying an automobile will affect your budget for a long time, so make sure you’re ready as you enter the process. Do your research before heading to the dealer, then crunch the numbers and figure out the exact amount you’re able to afford. When you go to the dealership, keep your feelings at home and remain focused about 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 has a specialization in helping readers in navigating the ins and outs of securely borrowing money to purchase an automobile. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since the end of 2021. They are dedicated to helping readers gain confidence to manage their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites.

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