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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 goal is to help you make smarter financial decisions by offering interactive financial calculators and tools, publishing original and objective content. We also allow you to conduct research and compare data for free – so that you can make financial decisions with confidence. Bankrate has agreements with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this website come from companies who pay us. This compensation may impact how and when products are featured on this website, for example, for example, the sequence in which they be listed within the categories of listing, except where prohibited by law. This applies to our loan products, such as mortgages and home equity, and other products for home loans. This compensation, however, does affect the information we provide, or the reviews that appear on this website. We do not include the universe of companies or financial offers that may be open to you. Kali9/Getty Image
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 featured in a variety of top financial publications, including 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 from late 2021. They are dedicated to helping their readers feel confident to manage their finances with precise, well-researched, and well-sourced information that breaks down otherwise complex subjects into digestible pieces. The Bankrate promises
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We are compensated in exchange for the promotion of sponsored goods and services, or when you click on certain hyperlinks on our site. Therefore, this compensation may influence the manner, place and in what order products appear within listing categories, with the exception of those the law prohibits it for our mortgage, home equity and other home loan products. Other factors, like our own rules for our website and whether a product is available in your region or within your self-selected credit score range may also influence how and when products appear on this site. We strive to provide an array of offers, Bankrate does not include information about each financial or credit item or service. It’s your turn to walk across the stage soon to be awarded your diploma and now it’s time to journey into the real world. A car purchase could be a part of your plan if you’re planning to be living in a place that public transportation isn’t your most efficient method of travel. Before you go to the dealer to choose the ideal car, you should do some research and be preapproved for and so that you can shop with confidence. Choose the car that’s right for you post-graduation. The thought of purchasing the car of your dreams is thrilling. But, it is important to avoid being distracted, or you could choose a vehicle that fits your style but isn’t practical. What’s your commute to and from work? If it’ll be lengthy, you may want limit your searches to cars with high efficiency ratings in terms of fuel consumption particularly in light of the current trend in gas prices. It’s currently around $3.70 each gallon of regular fuel according to AAA, which is slightly lower than last months average $3.96. Yet, it’s much higher than the average cost per gallon of $3.18 only one year ago. Visit the and use its online tool to see the average annual fuel costs for the vehicles you are thinking about. It is possible to narrow down by year, year-old, and model, and then view suggestions for the most efficient automobiles. Dimensions and other features Are compact cars enough or do you require something more substantial, like a crossover or pickup truck? What about features — are there certain features that are “must-have” in your list? If you have recently been offered an opportunity with a decent starting salary following graduation, you might have the latest technologies and features. But, you may prefer smaller vehicle without all the hassles until you get started and establish 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 provides information on whether the car has been involved in any accident. It is a good reference. You can search safety ratings and look on recalls using the vehicle’s make and model or VIN. Decide between new and used There’s plenty to love about a new vehicle. It’s shiny, in tip-top condition and smells great. However, there are some that aren’t as reliable. You can also buy an extended warranty at around $1,500 and have added assurance that you’re protected in the scenario the worst happens and you experience a mechanical failure. Consider the following when deciding between a brand new or used vehicle: New vehicles are covered by a manufacturer’s guarantee. This coverage could save you a lot of money in the event that your vehicle is damaged and requires major repairs in the initial few years of ownership. New cars typically have modern features. You may also discover a second-hand car with your desired features. Some used cars can come with low mileage. So, you shouldn’t have any mechanical problems for a long time, maintenance costs will likely be lower , and you’ll get a better deal. Certain used cars are . They receive the seal of approval from the manufacturer after having been brought up to a 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 payments for fuel, as well as auto insurance premiums and also take in maintenance and repair costs. In 2021, the average cost for repairs, maintenance and tires was around 9.55 centers per mile according to . Still, these costs vary according to the vehicle you own and you can utilize the calculator to estimate how much you may pay over the course of. The annual registration renewal costs typically can range from as little as $20 to a little over $200, is an additional factor to keep in mind. Certain states have a flat fee for registration, while other states use the age of your car, its fuel efficiency or weight to calculate registration fees. Research cars and get financed prior to visiting a dealer. The majority of dealerships offer financing in-house however, it’s better to get it begin shopping before purchasing the car. It is important to have a concrete idea of what you can actually afford and the quotes you get from your bank or credit union will help you decide on a purchase price that works. Additionally, you’ll have more leverage . The deal won’t depend on your ability to get financing through the dealership and you can behave like a cash buyer. Learn the advantages of buying vs. leasing There’s a lot of debate about which option is better. Here are some advantages of both options The lease payment on the latest automobiles are usually less expensive. If you’re keen on a certain car that is a bit pricey it is possible to pay for the monthly installments by leasing. You’ll get a manufacturer’s warranty when you lease a brand new vehicle. It typically provides coverage for up to 36,000 miles or three years, which means you won’t need to worry about spending an enormous amount on repairs should a mechanical issue comes up. There aren’t any mileage limitations when you purchase a car. However, if you choose to lease the car, you’ll be restricted to a range of 10,000 to 15,000 miles per calendar year, or be at risk of accruing excessive mileage fees. The fees can range from 10 cents to $25 cents for each mile, or more, according to the specifics in the agreement. The car is yours after the loan is fully paid. Lease agreements work a little differently, but. You’ll have to return the car to the dealer when the lease ends unless you opt to . Next steps Ultimately, buying a car during college is among the biggest purchases you will make. To ensure you get the best price make sure you do your research to find the right vehicle that fits your lifestyle and your budget. It’s equally crucial to be preapproved to finance your purchase prior to visiting any dealership. You should also consider the advantages of purchasing or leasing to determine which is the best option. Learn more
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Allison Martin’s work began over 10 years ago, as a digital content strategist, and she’s since been published in a variety of top financial publications, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain the confidence to take control of their finances by providing precise, well-studied information that breaks down otherwise complicated topics into digestible pieces.
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