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4 min read The publication was published on May 06, 2022.
Written by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers with the ways and pitfalls of taking out loans to purchase a car.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate from late 2021. They are dedicated to helping readers gain the confidence to manage their finances by providing clear, well-researched information that reduces complex topics into manageable bites.









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With a myriad of options to choose from, there's not a perfect vehicle for everyone. However, there is a best one for you. Base your choice on your needs. Because there are so many options available, do some research on your budget, buying options, your energy efficiency preferences and more prior to you even step foot on a car lot. What are the most suitable car for you A car is an investment of a lifetime. To make sure that you leave the dealership content with the purchase Ask yourself these questions before you go. 1. Your budget? Consider how much you're willing to invest -monthly and over the long run. Consider the , including the expected maintenance costs including fuel costs, insurance and maintenance in addition to the monthly payment. A site like Edmunds can help you estimate the amount each item will cost over a five-year time. It's also possible to see how different rates and repayment terms affect your monthly payment and the total interest you'll pay. 2. Who's driving? The main drivers of the car will determine which cars you are looking for. If you're a parent looking to purchase the car that your child will use, the sports car or pickup truck probably isn't the most appropriate option. If you're a member of a large family or you'll be sharing carpooling duties between school and practices for soccer, then you'll require a car with more seats and storage. 3. What's the main purpose? Comfort and gas mileage should be major considerations if your car will mainly be used to commute for work. Go to the dealership and sit in the car before purchasing it. Take the time to adjust the seat and the climate control system to see whether it's the best for you. If you're in a region that is cold testing your car on a cold day can be a good opportunity to test how fast the windows are defrosted or how quickly the vehicle heats up. Consider where you'll be driving, the items you'll be taking with you and how long your typical drive will be. For long road trips or trips that are expected to be on rough terrain, look into models that can withstand wear and tear. Likewise, a smaller vehicle could be more appropriate if the majority of your drives are on city streets that are narrow. 4. What horsepower do you require? For most motorists, a vehicle with four cylinders is reliable and fuel efficient. You will also spend less on maintenance and expenses. If you are a fan of racing or quickly accelerate on freeways that are crowded and highways, a four-cylinder vehicle might cause you to be disappointed. 5. Do you require towing or haul frequently? Are you looking for a vehicle that can handle towing a boat or RV? Many small cars simply don't have the horsepower, transmission , or chassis to meet the demands. Even smaller SUVs can't handle the task, so check the towing capacity of your vehicle as well as payload capability. If you plan to purchase an additional vehicle to transport equipment, ensure it can fit into your garage. This is an important step that many motorists overlook, however some SUVs, trucks and vans are either too large or too wide for garages in many areas. Be sure to check the measurements before buying. 6. Do you consider the importance of fuel efficiency to you? Before signing off on a new car, consider the amount you're willing to spend for gas. The cheapest cars and hatchbacks typically have the highest fuel efficiency, particularly those that are conventional or plug-in hybrids. A more luxury vehicle will require premium gas which will generally be more expensive than regular or midgrade fuel. Check the prior to the time. It could be worthwhile to invest a bit more upfront and avoid excess visits to the gas station. But , it is important to ensure that the cost is worth it. If you'll be paying thousands of dollars more for a hybrid, but you don't expect to save that amount in gas, it's likely not worth the added expense when you are only looking to save money as your primary purpose. 7. How long do you expect to keep it running? Certain cars appreciate faster than others. Check out car guides and check Kelley Blue Book or Edmunds to see what holds its worth. This is crucial when you are looking through vehicles quickly: You'll get a much better price when you trade in a car that isn't losing much value in its first five years. Certain cars are just that. Subarus, Toyotas, Fords and Hondas are all well-known for their durability They're great starting points for those who plan to maintain your vehicle for a period of 100,000 miles or more. 8. Do you want to lease or buy? a car carry different financial burdens. Leasing is a good option for those who want to own the latest model available, without having to pay as much every month, however, you can't get back the money you spent through the sale of your vehicle at the end of your lease. In addition, you'll need be vigilant on the condition and cleanliness of your vehicle, and you may have to contend with limits on mileage. When you purchase a car, you are completely in charge, and you don't need to worry about mileage limitations. The disadvantage is that you'll typically have be able to maintain your car longer than with lease to make the investment worth it. Monthly payments will likely be higher, as well. The most important thing to driving out of the dealership happy with your new car is preparing. Find out what is important to you prior to choosing a car. Style may be more important than the size or fuel efficiency may matter more than seat. Each factor has its advantages and disadvantages So do your homework to determine which car will suit your needs for many years to come. Find out more


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Writen by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She has a specialization in helping readers in navigating the ways and pitfalls of borrowing money to purchase the car they want.



Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers gain confidence to manage their finances with precise, well-studied information that breaks down complicated topics into manageable bites.






Auto loans editor




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