2019年10月9日 • 4分钟
文章内容
Besides a house, a vehicle is likely the largest purchases you will make. If you plan and research before buying, you can save hundreds or thousands of dollars — and stay within your 预算 so you can meet your other financial goals.
If you’re worried about a high pressure salesperson, consider doing test drives while your credit is frozen and your checkbook is at home – that way there’s no way you can buy the car you’re test driving!”
Your 预算 should determine how much 你负担得起 to spend on a vehicle per month. If you don’t have a 预算 yet, now’s a great time to create one! After you know how much 你负担得起 to spend each month, use our 汽车贷款计算器 to get a sense for the total vehicle cost 你负担得起. Keep reading to learn the true cost of a vehicle.
Remember that a vehicle costs much more than just the monthly payment. Your monthly transportation expenses also include:
Some of these costs – especially gas or charging, 保险, and maintenance – will be much lower or higher based on the vehicle you choose, e.g. 小型车vs豪华SUV.
Check the accuracy of your credit report at annualcreditreport.com or 877.iii22.8228. An accurate credit report and higher credit score can help you get a better rate if you’re 融资 a car. If you would like a certified credit counselor to review your report with you, call BALANCE at 800.777.7526 — it’s free and one of the many ways Patelco is looking out for you. BALANCE counselors can even offer advice on raising your credit score before buying a car, 卡车或SUV.
Will you be using your vehicle to cross snow-covered mountain passes with hairpin turns? Or for something more challenging, like chauffeuring your children? Create a comparison chart to keep track of the attributes that matter most to you.
Many online publications provide car reviews and information, including Consumer Reports and Edmunds. 的se are a great place to start your research, and to find out how each vehicle stacks up based on the attributes you want. Find out MPG and other things that will affect the true cost of the vehicle too.
Do test drives of vehicles you’re considering. If you’re worried about a high pressure salesperson, consider doing test drives while your credit is frozen and your checkbook is at home – that way there’s no way you can buy the car you’re test driving!
Do you prefer less wear-and-tear and increased reliability of a new car, even if it means a sharp loss of value when you drive it off the lot? Or would you rather buy a used car that has some wear but has already depreciated from its original price?
Many brands offer “certified pre-owned” vehicles that can help you mitigate the reliability risks that can come from a used vehicle. Often, these vehicles will be in better condition, although also a bit more expensive.
Figure out if you would rather buy or lease the car. If the idea of always driving a newer vehicle matters more to you than likely saving money in the long run, 租赁可能是个不错的选择.
知道 your preferred model (or models) are selling for. 凯利蓝皮书这样的公司, True车 and Edmunds specialize in tracking the average price of vehicles, plus the rebates and incentives available.
Negotiate each piece of the deal separately. Beware of salespeople who roll the different components of the transaction – purchase price, 融资, 以旧换新, 一笔交易的额外费用, or who make an offer in one area of the deal that sounds too good to be true. Zero percent 融资 sounds fantastic, but know that the dealer will be looking to make that money up elsewhere, like raising the total price of the vehicle.
Walk away if you are not happy with the deal. You know what 你负担得起 and ultimately you control this transaction. Let the salesperson know you know where the door is and that you won’t hesitate to use it if they can’t meet your number.
Know the 保险 necessary for your state. 保险 信息研究所的网站在 iii.org lists the minimum requirement for each state. Visit your state’s DMV website to see what’s necessary to register your vehicle. Finally, remember that entering into a loan or lease has legal responsibilities to pay the loan.
Arrange your car loan before you go to the dealership to buy. (Remember you can always test drive before you’re ready to buy – doing the test driving and the buying at different times may help you avoid making an emotional decision!)
Find out how to save on car 保险. Discover tried and true ways to reduce premiums and uncover discounts. 你现在也可以存钱了!
如果你在为一个大目标存钱, here’s the concrete steps for you to take that will move you closer to reaching it.
Afraid you can’t make your car payments? Get the information you need to decide if you should refinance your car, ask for temporary help or sell your car and move on!
