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Questions to ask when buying a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering you interactive financial calculators and tools as well as publishing authoritative and original content, by enabling users to conduct research and compare information for free - so that you can make informed financial decisions. Bankrate has partnerships with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this site come from companies that pay us. This compensation may impact how and when products are featured on this site, including such things as the order in which they be listed within the categories of listing, except where prohibited by law for our mortgage and home equity products, as well as other products for home loans. But this compensation does have no impact on the content we publish or the reviews that you read on this site. We do not contain the entire universe of businesses or financial offers that may be open to you.



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4 min read Published October 13, 2022
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the ways and pitfalls of borrowing money to purchase an automobile.







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 the confidence to take control of their finances by providing concise, well-studied and well-researched content that breaks down otherwise complex topics into manageable bites.









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At Bankrate we strive to help you make better financial choices. While we adhere to strict ethical standards ,
This article may include the mention of products made by our partners. Here's how we earn money .

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So you can be sure you can trust us to put your needs first. All of our content was written by and edited by
who ensure everything we publish will ensure that our content is reliable, honest and trustworthy. Our loans reporters and editors focus on the points consumers care about most -- different types of lending options and the most competitive rates, the best lenders, the best ways to pay off debt and many more, so you'll feel safe making a decision about your investment.



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The best way to leave the car lot pleased with your purchase is to know the right concerns to inquire about. To advocate for your wallet and your needs, you must prepare yourself with difficult questions and be ready to walk away in the event that you don't receive satisfactory answers. If you don't, you might not receive the best price when purchasing a car. Questions you should ask every car dealer, regardless of whether you choose to purchase a brand the car new or second hand, there are three main questions to ask the dealer prior to going in for a handshake. Do I have the opportunity to test drive the vehicle? You won't truly know whether a car is the right fit until you adjust the seat and get a feeling for the handling capabilities. Take note of the feel of the brakes and see if the car meeting all your requirements and daily routines. If you're able to, ask the dealer if you are able to take the vehicle to your garage or parking spot to determine if it's the way you want it to. Some dealers may allow you to store the vehicle overnight to test it through your day-to-day routine. What warranty is in the automobile, if any? Warranties can cover certain damage that the vehicle incurs and wear and wear and tear. For new vehicles, manufacturer warranties cover more serious issues however you'll still have to pay for regular maintenance. Certain used vehicles may still have their original warranty or a new warranty if you choose to buy certified pre-owned (CPO). If there is a warranty in place, you can save money on repairs in the future, based on the extent of it. Even if there's no warranty, you could see if extended warranties or gap insurance is an option. However, these are expensive and often not needed, take your time evaluating your needs before speaking with a salesperson about it. What are additional charges associated with purchasing this vehicle? Whatever vehicle you decide to purchase make sure you are prepared to pay additional fees. The state you live in may require fee for transfer of title as well as other fees which aren't negotiable. The dealership might also have some set fees that you will need to pay. While it might be tempting to finance those fees -- and sales tax to your loan, avoid it if it is possible. After all, you should not take out more loans than your car is worth. Taxes and fees should pay in cash, if you're able. Things to consider when purchasing an automobile for the first time The automotive market is thriving and prices are at an all-time high. Even if you feel like a seasoned veteran when it comes to there are still a few key points to cover to ensure that you receive the best price. Make sure the dealer can answer these questions prior to making a decision . What are the available conditions for financing? Check for the from outside lenders. It is likely that if you have excellent to good credit, you will be able to get the best deal with an institution like a credit union, bank or online lender. Be sure to check the prequalification offers to what the dealer is offering. Are there any incentives or rebates? In some cases you could qualify for a when you purchase a new vehicle. This perk generally reduces the price of the purchase after taxes.These range from deals during certain times of the year to special offers for certain categories, such as veterans or students. How much will the documentation fee be for this vehicle? The documentation fee or "doc fee" is paid by dealers to pay for concluding the sale contract on behalf of you. In contrast to other fees that come when you purchase a brand new car, the documentation fee cannot be bargained. Certain states have a limit on the amount dealers are allowed to charge. If you're in a state where there isn't allow this, you could end up paying up to $600 . Questions to ask when buying an used car, despite the price increases for used cars due to inventory shortages purchasing used comes with its perks. Still, it can be more risky in the event that you do not know the history of the vehicle. If you are planning to purchase it, ask a few questions, you should ask to ensure that you are getting a vehicle in good condition. Has this vehicle been in any accident? Not all vehicle accidents can be traced in a car history report, so you should ask whether your car has been involved in incidents and how it was repaired. Ask about how long ago the incident occurred, and if there were repairs that were later made to the accident. How many owners has the vehicle had? Ideally, you want a pre-owned car with two or more happy owners instead of a vehicle that was passed around to several drivers. A car with a long ownership history is an indication that the vehicle is in need of repair. unresolved issues. You should also ask how the dealer acquired the vehicle. A trade-in may not have a full history , but a previous rental will have been regularly serviced -- when it was driven more than a privately owned car. Do I need to have the vehicle inspected by my mechanic? Requesting a mechanic's inspection is an excellent final step in your inquiry procedure, but make sure you only inquire if you are certain you'd like to purchase the car pending the outcome of the inspection. It can help you figure out the confidence of the dealer in the car and having an experienced pair of eyes to check the vehicle over can assure that you're getting what you are paying for. The bottom line Aside from doing your research on the kind of car you want and shopping around to get the best price on financing, you must know what questions to inquire about prior to visiting the dealership. Go to the dealer with a concrete plan and a list of the right concerns to inquire about. Also, you'll have the information needed for making an educated choice whether you're signing the dotted line or walking away to search for an alternative that is more affordable. Learn more


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ins and outs of securely borrowing money to purchase the car they want.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to take control of their finances through providing clear, well-researched data that breaks otherwise complex subjects into digestible pieces.






Auto loans editor




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