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4 min read Published May 06, 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 in navigating the ins and outs of securely taking out loans to purchase a car.

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 control their finances by providing precise, well-researched and well-researched content that break down complex subjects into digestible pieces.

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At Bankrate we aim to help you make better financial choices. While we are committed to strict ethical standards ,

this post may contain some references to products offered by our partners. Here’s how we make money .

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They ensure that what we write ensures that everything we publish is accurate, objective and reliable. Our loans reporters and editors focus on the points consumers care about most — various kinds of loans available, the best rates, the most reliable lenders, ways to repay debt, and more — so you’ll be able to feel secure when making your investment.

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Bankrate has a strict policy , so you can trust that we’re putting your interests first. Our award-winning editors and journalists provide honest and trustworthy content that will help you make the right financial choices. Our main principles are that we value your trust. Our aim is to provide readers with reliable and honest information. We have standards for editorial content in place to ensure this happens. Our reporters and editors thoroughly fact-check editorial content to ensure that what you read is correct. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive compensation directly through our sponsors. Editorial Independence Bankrate’s editorial staff writes in the name of YOU – the reader. Our goal is to give you the best information to assist you in making wise financial choices for yourself. We adhere to strict guidelines in order in order to make sure that the content we publish is not influenced by advertisers. Our editorial staff receives no direct compensation from advertisers, and our content is thoroughly verified to guarantee its accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.

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There are money-related questions. Bankrate has the answers. Our experts have helped you understand your finances for more than four decades. We strive to continuously give our customers the right advice and tools needed to be successful throughout their financial journey. Bankrate follows a strict policy, therefore you can be confident that our information is trustworthy and reliable. Our award-winning editors and journalists create honest and accurate information to assist you in making the right financial choices. Our content produced by our editorial staff is objective, truthful and is not influenced through our sponsors. We’re transparent regarding how we’re able to bring quality content, competitive rates, and useful tools for our customers by explaining how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated for the promotion of sponsored goods or services, or through you clicking specific links on our website. Therefore, this compensation may impact how, where and when products are listed and categories, unless it is prohibited by law. We also offer credit, mortgage and other products for home loans. Other factors, such as our own rules for our website and whether or not a product is available within your area or at your personal credit score could also affect the manner in which products are featured on this website. Although we try to offer the most diverse selection of products, Bankrate does not include information about every credit or financial product or service.

With thousands of car options to choose from, there’s not a perfect vehicle for everyone, but there’s one that is perfect that is right for you. Make your selection based on your needs. Because there are so many choices available, you should research your budget, buying options, your fuel economy preferences, and much more before you step foot on a car lot. What are the most suitable car for you ? A car is a significant investment. To ensure that you are satisfied with your choice, ask yourself these questions first. 1. What’s your budget? Consider how much you’re willing to invest -monthly and over the long run. Consider the , including the anticipated maintenance expenses, fuel cost and insurance in addition to your monthly payment. A site like Edmunds can help you estimate the cost of each item will cost over a five-year period. It’s also possible to determine how various rates and repayment terms influence your monthly payment as well as the total interest you’ll pay. 2. Who’s driving? The main drivers of the car will decide what models you search for. If you’re a family member buying a car that a teenager will be using for a long time, a sports car or pickup truck is probably not the best choice. If you’re a member of a large family or are taking carpools to and from school or practices for soccer, then you’ll require an automobile with more seating and storage. 3. What’s the main purpose? Gas mileage and comfort should be the top priority if your car will mainly be used for commutes between work and home. Visit the dealer and drive around in the car before you buy it. Make sure you alter the seat and temperature control system to find out if it’s the right fit. If you’re in a region that is cold driving during a cold winter day is a great way to determine how fast the windows are defrosted or how quickly the vehicle warms up. Take note of where you’ll be driving, what you will be taking with you , and the length of your drive will last. For long road trips or drives where you are expecting rough terrain, research models that are able to withstand wear and wear and tear. Also, a smaller car is a better choice if the majority of your drives are along narrow streets in cities. 4. How much horsepower do you need? For most motorists, a vehicle with four cylinders is reliable and fuel efficient. Also, you will spend less on repairs and maintenance. If you are a fan of speed or need to speed up on busy freeways the four-cylinder vehicle may disappoint you. 5. Do you need to tow or haul frequently ? Do you require a vehicle that is capable of towing an RV or boat? Smaller cars often do not have the horsepower, transmission and chassis needed to cope with the demands. Even some small SUVs aren’t up to the task, so check the towing capacity as well as payload capability. If you are planning to buy an extra large vehicle to haul equipment, make sure it’s able to fit into your garage. This is a step most drivers overlook, but some trucks, SUVs and vans are either too large or wide for many garages. It is important to take measurements prior to you purchase. 6. Is fuel economy important to you? Before you sign off on a new car, consider the amount you’re willing to pay at the gas pump. The cheapest cars and hatchbacks typically have the highest fuel efficiency, particularly those that are conventional or plug-in hybrids. The more luxurious vehicles requires premium fuel that will be more expensive than the regular or mid-range fuel. Check the ahead of time. It may be worth it to invest a bit more upfront and avoid excess trips to the gas station. However, you must ensure that you’re paying for it. If you’re paying thousands of dollars more for a hybrid and you don’t expect to save that amount in fuel, it’s not worth the extra cost when saving money is your only purpose. 7. What is the length of time you intend to keep it in use? Some vehicles depreciate more quickly than others. Look at car guides and look through Kelley Blue Book or Edmunds to determine what is its worth. This is especially important when you are looking through cars quickly You’ll be able to get a better price when you trade in a car that doesn’t lose significant value over the course of its first five years. Some cars simply , too. Subarus, Toyotas, Fords and Hondas are all famous for their longevity, so they’re good places to start if you’re hoping to maintain your vehicle for 100,000 miles or more. 8. Do you want to lease or purchase a car carry different financial burdens. It is an option for those who want to own the most modern vehicle 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. You’ll also have be vigilant on the cleanliness and condition of your car, and you may have to contend with mileage caps. When you purchase a car, you are completely in charge, and you don’t need to worry about any limitations on mileage. The downside is that you typically need be able to maintain your car for longer than lease to be able to justify the cost of it. The monthly payments are likely to be higher, as well. The most important thing to driving out of the dealership satisfied with your new car is preparation. Find out what is important to you prior to choosing a car. It could be that style is more important than size and fuel efficiency could matter more than seat. Each aspect has pros and cons, so do your research to find the car that best suits your needs for years to come. Find out 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 ways and pitfalls of using loans to buy a car.

Edited by 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 the confidence to take control of their finances by providing clear, well-researched information that break down complex topics into manageable bites.

Auto loans editor

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