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A graduate's guide to buying a car Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make better financial choices by offering you interactive tools and financial calculators, publishing original and objective content. This allows you to conduct research and compare information for free to help you make financial decisions with confidence. Bankrate has partnerships with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this website are provided by companies that compensate us. This compensation could affect how and where products are displayed on this site, including the order in which they may appear in the listing categories in the event that they are not permitted by law. This applies to our mortgage, home equity, and other home lending products. But this compensation does have no impact on the information we publish, or the reviews you see on this site. We do not consider the entire universe of businesses or financial deals that could be accessible to you. Kali9/Getty Images
4 min read . Published September 16, 2022
Written by Allison Martin Written by Allison Martin's work started over 10 years ago as a digital content strategist. She's been published in several leading financial media outlets, such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Editor: Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers to take control of their finances with concise, well-researched and well-written information that breaks down otherwise complicated topics into bite-sized pieces. The Bankrate promises
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Therefore, this compensation may affect the way, location and in what order the products are listed within categories, except where prohibited by law in the case of our home equity, mortgage, and other products for home loans. Other factors, like our own website rules and whether a product is available in your area or at your personal credit score could also affect how and when products appear on this site. We strive to provide an array of offers, Bankrate does not include the details of every financial or credit product or service. You're walking through the halls soon to receive your diploma and now it's time to journey into the real world. The purchase of a car could be part of the plan if you are going to reside in an area that public transportation isn't your best way to get around. However, before heading to the dealership to select the ideal vehicle, conduct your own research and obtain preapproved an so you can shop with confidence. Choose the car that's right for your needs post-graduation. thought of purchasing your own car is exciting. But, it is important to avoid being distracted, or you could choose a vehicle that is in line with your preferences yet isn't practical. What's your commute from and to work? If it'll be lengthy you might want limit your searches to vehicles with good performance in terms of fuel efficiency and especially considering how gas prices are trending. It's currently around $3.70 each gallon of regular fuel, according to AAA that's just a bit lower than the previous month's average of $3.96. However, this is more than the average cost per gallon , which was $3.18 only one year ago. Use the online tool to check the annual average fuel cost for any vehicles you are thinking about. It is possible to narrow down by year, make and model, and then view recommendations for the most fuel-efficient cars. Dimensions and other features Will a compact car suffice, or do you need something more substantial, like a crossover or pickup truck? What are the best features? are certain ones "must-have" on your list? If you've recently secured an opportunity with a decent salary that you will start soon after graduating, you may have the most recent technologies and features. Still, you could prefer a smaller ride without all the features until you start working and get more established in your job. Safety features How secure is the vehicle you're looking at? Request a copy of the vehicle's . It also contains maintenance records. It discloses if the car has been involved in any accident. It is a good reference. You can search for safety ratings and search for recalls by entering the vehicle's make and model or VIN. Decide between new and used There's plenty to enjoy about a new car. It's clean, in great form and smells delicious. However, there are some that aren't as solid as the others. Plus, you could buy an extended warranty for around $1500, and get assurance that you're protected in the scenario of a major mechanical failure. Consider the following when deciding between a brand new or used ride: New cars are covered by a manufacturer's guarantee. This coverage can save you a significant amount of cash if your vehicle is damaged and requires major repairs in the first few years of ownership. New cars typically have modern technology. You may also find a slightly used car with your desired features. There are some used cars that have low mileage. So, you shouldn't have any mechanical problems for a long time, maintenance costs will likely be lower , and you'll receive a better deal. Certain used cars are . They receive the manufacturer's seal of acceptance after being upgraded to a certain level mechanically and are covered by an limited warranty from the factory. Take a look at the entire cost of car ownership Beyond the monthly payment, fuel costs and auto insurance premiums, you should also factor into repair and maintenance costs. In 2021, the median expense for maintenance, repairs and tires was 9.55 cents per mile as reported by . Still, these costs vary according to the vehicle you own however, you can use the to determine the amount you can expect to pay over the course of. The annual registration renewal costs that typically range from under $20 to just over $200 per year, are also a factor to keep in mind. Certain states charge an annual fee that is fixed and others rely on the age of your car, its fuel efficiency or weight in calculating the registration fee. Find out about cars and finance before going to a dealership Most dealerships offer in-house financing however, it's better to get it begin shopping before purchasing the car. It is important to have a concrete idea of what you're able to spend and the quotes you get from your bank or credit union will assist you in deciding on an amount that is feasible for you. There's also more leverage when . The deal won't depend on the ability of you to obtain financing through the dealership, and you'll be able to behave as the cash buyer. Understand the benefits of buying as opposed to. leasing There's plenty of discussion about what is the best option. Here are some advantages of both choices to think about lease payments on more recent cars are typically less expensive. If you're keen on a certain car which is expensive and you're not sure if you'll be able to afford the monthly payment by leasing. You'll get a manufacturer's warranty when you lease a brand new car. It typically covers you until 36,000 miles, or three years, meaning you don't need to worry about spending an enormous amount on repairs should an issue with your vehicle arises. There are no mileage limits for buying a vehicle. If you opt to lease, you'll be limited to anywhere between 10,000 and 15,000 miles per calendar year, or risk racking up exorbitant mileage fees. These can range between 10 cents to $25 cents for each mile, or more, subject to the specifics in the agreement. The car will be yours once the loan is paid in full. Lease agreements operate a bit differently, though. You'll have to return the vehicle to the dealer after the lease is over unless you opt to . Next steps Ultimately, buying a car during college is among the largest purchases you'll make. To make sure that you are getting the best deal make sure you do the necessary research to locate the right vehicle that fits your lifestyle and budget. It's also important to obtain pre-approval to finance your purchase prior to visiting any dealership and evaluate the advantages of buying and leasing to determine which option is best. Learn more
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Allison Martin's writing began more than 10 years ago when she was a digital content strategist, and since then she's been published in a variety of top financial publications such as The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Edited by 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 confidence to take control of their finances by providing concise, well-studied and well-informed information that breaks down otherwise complex subjects into bite-sized pieces.
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