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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 specializes in assisting readers to navigate the details of using loans to buy a car.







Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are passionate about helping readers gain the confidence to control their finances by providing concise, well-researched, and clear information that breaks down otherwise complicated topics into bite-sized pieces.









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At Bankrate we strive to help you make better financial choices. While we are committed to strict journalistic integrity ,
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In 1976, Bankrate was founded. Bankrate has a long track experience of helping customers make informed financial decisions.
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so you can trust that we'll put your interests first. Our content is written by and edited by ,
They ensure that what we write is objective, accurate and reliable. Our loans editors and reporters focus on the areas that consumers are concerned about most -- the various kinds of loans available and the most competitive rates, the best lenders, how to pay off debt and more -- so you can feel confident when making your investment.



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Bankrate follows a strict and rigorous policy, so you can rest assured that we'll put your needs first. Our award-winning editors and journalists produce honest and reliable content to assist you in making the right financial choices. Key Principles We appreciate your trust. Our goal is to provide our readers with truthful and impartial information, and we have standards for editorial content in place to ensure that this happens. Our editors and reporters thoroughly check the accuracy of editorial content to ensure that what you read is correct. We have a strict separation with our advertising partners and the editorial team. The editorial team of Editorial Independence Bankrate does not receive any direct payment from our advertisers. Editorial Independence Bankrate's editorial staff writes in the name of YOU the reader. Our goal is to give you the most relevant guidance to make intelligent financial decisions for your personal finances. We follow strict guidelines for ensuring that editorial content isn't in any way influenced by advertising. Our editorial team receives no any compensation directly from advertisers and all of our content is checked for accuracy to ensure its truthfulness. So, whether you're reading an article or a review, you'll be able to trust that you're getting credible and dependable information.



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With the plethora of cars that are available, there's no perfect vehicle for everyone. However, there's one that is perfect that is right for you. Make your selection based on your requirements. Since there are many options out there, research your budget, buying options, your fuel economy preferences, and much more before you step foot on a car lot. How do you find the right vehicle for you? Buying a car is a significant investment. In order to ensure that you walk away happy with the car you choose take a look at these questions first. 1. What's your budget? Determine how much money you're willing spendeach month, and overall. Think about the expected maintenance cost, fuel cost and insurance in addition to the monthly installment. A website like Edmunds will help you determine how much each of these items will cost over the course of five years. It's also possible to find out how the different rates and repayment conditions will influence your monthly payment as well as the total interest you'll pay. 2. Who's driving? The main driver of the vehicle will decide what models you search for. If you're a parent buying the car that your child will be using, a sports car or pickup truck might not be the ideal option. If you have a big family or will be taking carpools between school and soccer practice, you'll need cars with more seats and storage. 3. What's the primary use? Gas mileage and comfort must be top priorities in the event that your car is going to be used to commute to and from work. Go to the dealership and sit in the car before purchasing it. You should alter the seat and climate control system to see whether it's the best fit. If you live in a cold region driving during a cold winter day can be a good opportunity to determine how fast windows get defrosted and how quickly the car warms up. Take note of where you'll be driving, the items you'll be taking with you , and how long your typical driving time will last. For long road trips , or driving on rough terrain, look into models that can handle wear and wear. A smaller vehicle is a better choice if the majority of your drives are on city streets that are narrow. 4. What horsepower do you require? For the majority of drivers, a four-cylinder car is both reliable and efficient. You will also spend less on maintenance and costs. However, if you enjoy racing or quickly accelerate on freeways that are crowded the four-cylinder vehicle may be a disappointment. 5. Do you require towing or haul frequently? Are you looking for a vehicle that can handle towing an RV or boat? Many small cars simply do not have the 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 towing capacity and payload capacity. If you plan to purchase an additional vehicle to transport equipment, ensure it can fit into your garage. This is a step most drivers overlook, but some SUVs, trucks and vans are either too large or too wide for garages in many areas. It is important to take measurements prior to you buy. 6. Do you consider the importance of fuel efficiency to you? Before signing off on the purchase of a new vehicle, think about what you're willing to pay for gas. The cheapest cars and hatchbacks typically have the highest mileage, especially those that are conventional as well as plug-in hybrids. A more luxury vehicle requires premium fuel, which tends to be more expensive than regular or midgrade fuel. Be sure to look up the price prior to the time. It may be worth it to spend a bit earlier and save visits to the gas station. However, you must ensure that the cost is worth it. If you'll be spending thousands more on a hybrid, but don't stand to save that amount in fuel, it's not worth the additional cost when savings are your sole objective. 7. How long do you expect to keep it running? Certain vehicles appreciate more rapidly than others. Look at car guides and check Kelley Blue Book or Edmunds to see what holds its worth. This is particularly important if you go through cars quickly You'll be able to get a better deal for a trade-in car that doesn't lose any value within the first five years. Some cars simply , too. Subarus, Toyotas, Fords and Hondas are all known for their durability They're great starting points if you're planning to maintain your vehicle for a period of 100,000 miles or more. 8. Do you wish to lease or buy a car carry different financial burdens. It is an option if you want the most modern vehicle with no monthly payments. month, however, you can't get back the money you spent by selling your car at the end of your lease. Additionally, you'll have be vigilant on the cleanliness and condition of your vehicle. Additionally, you might have to deal with mileage caps. The purchase of a vehicle puts you completely in charge, and you won't have to be concerned about any limitations on mileage. The downside is that you'll generally need to keep the car for longer than you would with a lease in order to get the most value from it. It is likely that monthly payments will be higher, too. The bottom line The key to driving out of the dealership happy with the new car you purchased is planning. Find out what is important to you before you pick a car. It could be that style is more important than size, fuel economy may matter more than seat. Each aspect has pros and cons, so do your research to find the vehicle that will suit your needs for future years. 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 to navigate the ins and outs of securely borrowing money to purchase a car.



Edited 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 confidence to manage their finances through providing concise, well-studied and well-researched content that breaks down complicated topics into manageable bites.






Auto loans editor




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