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4 min read Published October 13, 2022

Writen 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 using loans to buy a car.

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers to take control of their finances with clear, well-researched information that breaks down complicated topics into manageable bites.

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The best way to leave the dealership happy with your purchase is to learn the best inquiries to make. To advocate for your wallet and requirements, be prepared with tough questions — and be ready to leave in the event that you don’t receive satisfactory answers. Otherwise, you won’t get the best deal when buying a vehicle. Questions you should ask all car dealers Whether you are buying a new or used, there are three main questions you should ask the dealer prior to going to meet them for a handshake. Can I test drive the car? It is difficult to determine if a vehicle is the right fit until you adjust the seat and get a sense of the handling abilities. Be sure to pay attention to how the brakes feel and also if you see the vehicle able to meet your needs and routines of daily life. If you’re able to to, ask the dealer if you are able to take the vehicle into your garage, or parking spot to determine if it’s the way you want it to. Some dealers will permit you to keep the car for a few hours to see how it performs on your daily schedule. What warranty is for the car, if there is one? Warranties may cover specific damage that the vehicle incurs and wear and wear and. For new vehicles, manufacturer warranties cover the most serious problems but you’ll have to pay for regular maintenance. Certain used vehicles might still be covered by their original warranty or a new warranty if you choose to purchase certified pre-owned (CPO). If there’s a warranty in place, you can save a significant amount on repairs in the future, based on how extensive it is. Even if there’s no warranty, you could see if extended warranties or gap insurance is an option. However, these are expensive — and frequently not necessary — therefore, you should think about your requirements before speaking with a salesperson about it. What are additional charges associated with the purchase of this vehicle? Whichever vehicle you decide to purchase make sure you are prepared to pay for additional costs. Your state may have charges for title transfer and other charges which aren’t negotiable. The dealership may also have certain fees you must pay. Although it may be tempting to pay these fees — and sales tax to your loan Avoid it if you can. You should be careful not to borrow more than the vehicle’s worth. Taxes and fees should pay in cash, if you’re able. Things to consider when purchasing a new car The new automobile market is still thriving, and prices remain at an all-time high. Therefore, even if consider yourself a veteran in this area, there are still a few important points to consider to make sure you are getting the best deal. Be sure that the dealer is able to answer these questions before signing off on . What are the current financing terms? Check for the from outside lenders. If you have excellent to good credit, you will be able to find the best deal with an institution like a credit union, bank or an online lender. Be sure to compare any prequalification offers to what the dealer is offering. Are there any incentives or rebates? In some cases you may be eligible for incentives when you buy an automobile. This benefit generally lowers your purchase price after taxes.These range from deals during certain times of the year to those available for certain categories, such as veterans or students. What will the documentation fee be for this vehicle? The documentation fee or “doc fee” is the cost that dealers charge to pay for completing the sales contract on your behalf. Contrary to some of the fees associated when you purchase a brand new car the document fee cannot be discussed. Certain states have a limit on how much dealers can charge. However, if you reside in a state that doesn’t, it can cost you up to $600 . Things to consider when purchasing used cars despite price hikes on used vehicles because of shortages in inventory, buying used does come with its perks. Still, it can be more risky in the event that you do not know the history of the vehicle. If you intend to inquire about the history of the vehicle, there are some questions you should ask to ensure that you’re buying an excellent vehicle. Has this vehicle been in any accidents? The cause of all accidents cannot be found in a vehicle report. Therefore, you must ask outright if your potential car was involved in any incidents and how it was repaired. Ask about how long ago the incident occurred, and if there was repairs that were later made to the incident. How many owners has this car been through? Ideally, you’d like an old car with one to two happy owners rather than a car that was passed around to a variety of drivers. A vehicle with a lengthy ownership history could be an indication that the vehicle is in need of repair. unresolved issues. Also, you should inquire as to what the source of the vehicle. A trade-in might not have an extensive background, whereas an earlier rental has been regularly maintained — if driven harder than a privately owned vehicle. Can I get the car examined with my mechanic? A request for an inspection is an excellent final step in your questioning procedure, but make sure you only inquire if you are certain you’d like the car in the meantime of the outcome of the inspection. It can help you figure out the confidence of the dealer in the vehicle . Having an experienced pair of eyes to examine the vehicle will assure you that you’re getting the best you get for your money. The main point is that aside from researching the type of vehicle you’re looking for and comparing to find the most affordable financing, it’s essential to be aware of the questions you should inquire about prior to visiting the dealership. Pull up to your dealership with a clear plan as well as a list of best inquiries to make. You’ll also have the knowledge needed for making an educated choice to sign on the contract or deciding to walk away to find an alternative that is more affordable. Learn more

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Authored by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers to navigate the ways and pitfalls of using loans to buy a car.

Edited by Rhys Subitch Edited by Auto loans editor

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

Auto loans editor

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