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Some thoughts on buying a vehicle.

One of the first things to decide on is what your car-buying budget is. This will determine if you purchase a new car or buy a used vehicle. Both have advantages and disadvantages but often it comes down to how much you can afford. With a larger down payment a quality used car or new car is often a better buy than some used car off a lot that is under $5,000. The large down payment will help to lower your monthly payments over what you would pay otherwise and the large up front money will also help to qualify you for lower interest rates with the totaled financed amount being lower altogether.

Quality used cars are often thoroughly inspected by a factory certified mechanic and are found to be in good condition. Often the price difference from such a used vehicle will not seem all that much lower than a new car of similar make and model. This is more true when the used car is only a few years older than the current years models.

When you compare used vehicles from smaller lots that deal only in used vehicles to ones found on the larger lots the price difference is even greater. Keep in mind on the smaller used lots the vehicles are often 5 or more years from the current year and on the larger lots they are often trade-in s that are under 5 years old.

Again when you are shopping used cars you budget will determine where you buy. The smaller used car lots offer easy "buy here pay here" and "payday payments" type of financing and are easy to get financed at. They primarily exist to sell cars to people with poor credit or no credit, they serve th e high credit risk customer. If you have great credit you have the luxury of choice where you shop.

So now we have identified three places to shop new cars, quality used cars, and the buy here pay here lots. All of them can sell a vehicle that is flawed and some sell them knowingly. Most dealers of any automobiles are generally honest and want you to come back every time you need another vehic le. Most wont steer you wrong and will be straightforward about a car's suitability to your needs and its reliability.

Shopping at a new car lot and large franchise lots is often the safest way to go. You often pay more but also get more. These cars and trucks will usually come with a better warrantee than the smaller lots and there may be available extended warrantees. This one point alone is enough of a reason to spend the extra money.

The smaller car lots often offer only a 30 to 90 or, as is often the case, they offer no warrantee at all. You do pay much less for your purchase at these places but get so much less too. Usually none of the cars on their lot have passed any inspection by certified mechanics. That is not to say t hey are not inspected but the inspections they give are usually far less involved than what is done at the quality lots.

When the budget allows, buying a brand new car is almost always the safest way to go. These come with full warrantees and often have service contracts that ensure your investment last you a long time. New cars have all the latest fuel saving features and are stocked with all the latest safety fea tures.

Even though new cars offer greater value some people consider all the new things they have as untested. A thorough search of automotive recalls will turn up thousands upon thousands of recalls for nearly every make, model and year and for all vehicle types. A car that is a year or two old still holds great value if it was properly maintained. They have passed the rigorous test of true use by consumers, meaning that most things that could go wrong have gone wrong and there is information available on the Internet and offline as well. There are thousa nds of consumer review and advocacy sites online as well as books, magazines and agencies you can call or visit.

Remember that no one can define what is value for you. Value is what you perceive it to be. For you value may be the latest developments in automotive technology or it might be having the comfort of knowing that your car has been on the road for little more than a year and has been proven to be a great value in consumer review magazines.

You might see your car as not being so significant that you want to spend a lot of money on it. Not every one is dependant on their vehicle. Some people arrange their lifestyle so that the complications of owning a car are low priority and often a cheap but quality used car is fine.

When buying a car no matter if used or new, you should consider what it will cost to insure that vehicle. Auto insurance is tricky and your rates will differ greatly from vehicle to vehicle. Some insurers have different rules in calculating rates.

These rules take into account the make, model, year, historical statistics and even the color. All these things are fed into an equation along with information about the driver such as age, driving history and more.

Some cars just cost more to insure than others and before you sign any contract to purchase a vehicle you might want to check with your insurance company to see how your choice will affect your rates.

Making a wise choice in your next car purchase is something only you can do. Know what your needs are and identify what you feel is value. Listen to what people say when you are shopping and see how that fits your needs and redirect sales staff if they stray from your plan.

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