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4 minutes 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 in navigating the ways and pitfalls of borrowing money to purchase the car they want.

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 concise, well-researched, and clear information that break down complicated topics into bite-sized pieces.

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They ensure that what we write will ensure that our content is reliable, honest and reliable. Our loans editors and reporters concentrate on the areas that consumers are concerned about most — the various types of loans available and the most competitive rates, the best lenders, ways to repay debt and many more, so you can feel confident when investing your money.

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With the plethora of cars available, there’s no best vehicle for everyone. However, there is a best one to suit your needs. Choose a car based on your needs. Because there are so many options out there, research your budget, your buying choices, your fuel efficiency preferences, and much more before you step onto a car showroom. What are the most suitable car for you A car is an investment of a lifetime. In order 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 spend -monthly as well as overall. Consider the , including the expected maintenance costs including fuel costs, insurance and maintenance in addition to your monthly installment. A site such as Edmunds will help you determine how much each item will cost over a five-year period. It is also possible to use the site to determine how various rates and repayment terms will impact your monthly payments and the total interest you’ll pay. 2. Who’s driving? The primary drivers of the car will decide which type of models you search for. If you’re a parent buying the car that your child will be using such as a sports car or pickup truck probably isn’t the most appropriate option. If you have a big family or will be sharing carpooling duties to and from school or soccer practice, you’ll require a car with more seats and storage. 3. What’s the main purpose? Gas mileage and comfort should be top priorities if your car will mainly be used to commute for work. Go to the dealership and drive around in the car before purchasing it. Take the time to adjust the seat and the climate control system to determine whether it’s the best for you. If you reside in an area that is cold testing your car during a cold winter day can be a good opportunity to see how quickly the windows defrost or the vehicle heats up. Think about where you will be driving, what you’ll be taking with you and how long your typical driving time will take. For long road trips or drives where you are expecting rough terrain, you should research models that are able to withstand wear and tear. A smaller vehicle might be better if most of your trips are along narrow streets in cities. 4. How much horsepower do you require? For the majority of motorists, a vehicle with four cylinders is both reliable and fuel efficient. Also, you will spend less on repairs and maintenance. If you are a fan of performance driving or have to accelerate rapidly onto crowded freeways, a four-cylinder car may disappoint you. 5. Do you have to tow or haul frequently? Are you looking for a vehicle that can handle towing an RV or boat? Many small cars simply don’t have enough horsepower, transmission and chassis needed to cope with the demands. Some smaller SUVs can’t handle the task, so be sure to check the towing capacity as well as payload capability. If you are planning to buy a larger vehicle for hauling equipment, ensure it’s able to fit into your garage. This is a step most drivers overlook, but certain SUVs, trucks 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 signing off on an automobile purchase, take note of how much you are willing to spend for gas. The cheapest cars and hatchbacks typically have the highest fuel efficiency, particularly when they’re traditional as well as plug-in hybrids. The more luxurious vehicles will require premium gasoline that will cost more than mid- or regular fuel. Make sure to check the prices prior to the time. It might be worth it to invest a bit earlier and save trips to the station. But , it is important to ensure that the extra money is worth it. If you will be paying thousands of dollars more for a hybrid but you don’t expect to save that much in gas, it’s probably not worth the additional cost when saving money is your only objective. 7. How long do you expect to use it? Certain vehicles appreciate more rapidly than others. Check out car guides and check Kelley Blue Book or Edmunds to find out what’s holding its worth. This is particularly important if you go through vehicles quickly and you’ll get a better deal on a trade-in with a car that doesn’t lose much value in its first five years. Certain vehicles are also able to be sold. Subarus, Toyotas, Fords and Hondas are all famous for their durability and reliability, which makes them excellent starting points if you’re planning to maintain your vehicle for more than 100,000 miles. 8. Do you wish to lease or buy? a car carry different financial burdens. It is an option for those who want to own the latest model available, without having to pay as much every month, but you won’t recoup the amount you spend through the sale of your vehicle after the expiration of the lease. Additionally, you’ll have to keep an eye on the condition and cleanliness of your vehicle. Additionally, you may have to contend with mileage caps. Buying your vehicle places you entirely in charge and you’ll not have to be concerned about mileage limitations. However, you typically need be able to maintain your car for longer than you would with lease to be able to justify the cost of it. The monthly payments are likely to be higher, too. The main thing to leaving the dealership happy with your new car is planning. Decide what’s important to you before you pick a car. Style may be more important than size or fuel efficiency may be more important than seating. Each aspect has advantages and disadvantages So do your homework to find the vehicle that is ideal for your needs in the 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 to navigate the details 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 since late 2021. They are committed to helping readers gain confidence to manage their finances through providing precise, well-studied information that breaks down otherwise complex subjects into bite-sized pieces.

Auto loans editor

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How we make money Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products andservices or when you click on certain hyperlinks on our site. Therefore, this compensation may impact how, where and in what order items appear in listing categories, except where prohibited by law. This is the case for our loan products, such as mortgages and home equity, and other home loan products. Other factors, like our own website rules and whether or not a product is available within your region or within your own personal credit score can also impact the manner in which products are featured on this website. While we strive to provide the most diverse selection of products, Bankrate does not include specific information on every credit or financial product or service. Bankrate, LLC NMLS ID# 1427381 | BR Tech Services, Inc. NMLS ID #1743443 |

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