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4 min read Published May 06, 2022

Authored by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers to navigate the details of borrowing money 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 committed to helping readers gain the confidence to manage their finances by providing concise, well-researched, and clear information that break down complex topics into manageable bites.

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With thousands of car options available, there’s no best vehicle for everyone. However, there is a best one for you. Base your choice on the needs you have. Because there are so many options out there, research your budget, your buying options, your fuel economy preferences and more prior to you step onto a car showroom. What are the most suitable car for you A car is a significant investment. To ensure that you walk away content with the purchase Ask yourself these questions before you go. 1. How much do you have in your savings? Decide how much you’re willing to invest -monthly as well as overall. Consider the , including the expected maintenance costs, fuel cost and insurance in addition to the monthly payment. A site like Edmunds can help you estimate the cost of each of these things will cost over a five-year period. It is also possible to use the site to see how different rates and repayment conditions will impact your monthly payments and the total interest you’ll pay. 2. Who’s driving? The main driver of the vehicle will decide what models you look for. If you’re a parent buying the car that your child will use, a sports car or pickup truck might not be the most appropriate choice. If you’re a member of a large family or you’ll be driving with your kids to and from school or soccer practice, you’ll require an automobile with more seating and storage. 3. What’s the primary purpose? Gas mileage and comfort should be major considerations in the event that your car is going to be used for commutes between work and home. Go to the dealership and sit in the car before you buy it. You should alter the seat and climate control system to determine if it’s the right fit. If you live in an area that is cold testing your car on a cold day is a good way to determine how fast the windows are defrosted or how quickly the vehicle warms up. Think about where you will be driving, the items you’ll be taking with you and how long your typical driving time will last. If you are planning long road trips or driving on rough terrain, research models that are able to withstand wear and wear and tear. A smaller vehicle could be more appropriate if the majority of your trips are on narrow city streets. 4. What horsepower do you need? For most people, a car with four cylinders is both reliable and efficient. You will also spend less on repairs and maintenance. But if you love performance driving or have to quickly accelerate on freeways that are crowded the four-cylinder vehicle may disappoint you. 5. Do you require towing or haul often ? Need a vehicle capable of towing a boat or RV? Smaller cars often don’t have enough horsepower, transmission , or chassis to handle the demands. Even small SUVs simply aren’t able to handle the job, so make sure you check the vehicle’s towing capacity and the payload capacities. If you plan to purchase a larger vehicle for hauling equipment, make sure it will fit in your garage. This is a step most drivers overlook, but some SUVs, trucks and vans are either too wide or too tall for many garages. Be sure to check the measurements before you buy. 6. Do you consider the importance of fuel efficiency to you? Prior to signing a contract for the purchase of a new vehicle, think about how much you are willing to pay for gas. Cheaper cars and hatchbacks generally will get the most mileage, especially those that are conventional as well as plug-in hybrids. A more luxury vehicle will require premium gas, which tends to be more expensive than regular or midgrade fuel. Check the before you leave. It might be worth it to invest a bit more in advance and avoid unnecessary trips to the station. But you should ensure the cost is worth it. If you’re spending thousands more on a hybrid, but you don’t expect to save that much gas, it’s likely not worth the added expense if saving money is your only goal. 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 check Kelley Blue Book or Edmunds to see what holds its worth. This is crucial if you go through cars quickly: You’ll get a much better price for a trade-in vehicle that hasn’t lost any value within the initial five years. Some cars simply , too. Subarus, Toyotas, Fords and Hondas are all famous for their durability They’re great starting points if you’re planning to keep your car for a period of 100,000 miles or more. 8. Do you wish to lease or buy a car carry different financial burdens. A lease is an excellent option if you want the newest vehicle available with no monthly payments. month, however you will not be able to recoup the cost through the sale of your vehicle at the end of your lease. You’ll also have to keep a close eye on the condition and cleanliness of your vehicle. Additionally, you could be faced with limits on mileage. The purchase of a vehicle puts you completely in charge, and you’ll not have to worry about any limitations on mileage. However, you’ll generally need maintain the vehicle longer than you would with a lease in order to get the most value from it. Monthly payments will likely be higher, too. The main thing to driving out of the dealership happy with your new car is preparing. Choose what’s important to your prior to deciding on a vehicle. The style of the car may be more important than the size or fuel efficiency may have more importance than the seating. Each aspect has pros and cons Do your homework to find the car that best suits your needs for many years to come. Learn more


Authored 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 using loans to buy an automobile.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are committed to helping readers gain confidence to control their finances by providing concise, well-studied and well-researched content that breaks down otherwise complex topics into digestible chunks.

Auto loans editor

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