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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 better financial choices by offering you interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct research and compare data for free and help you 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 Earn Money The offers that appear on this website come from companies who pay us. This compensation can affect the way and when products are featured on the site, such as for instance, the order in which they appear within the listing categories, except where prohibited by law. Our mortgage, home equity, and other products for home loans. But this compensation does not influence the information we provide, or the reviews appear on this website. We do not consider the entire universe of businesses or financial deals that could be open to you. kali9/Getty Images
4 min read Published 16 September 2022
Written by Allison Martin Written by Allison Martin’s work started over 10 years ago as a digital media strategist, and she’s since been featured in a variety of top 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 since the end of 2021. They are committed to helping readers gain the confidence to control their finances through providing precise, well-researched, and well-sourced facts that break down complex topics into manageable bites. The Bankrate promise
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We are compensated in exchange for placement of sponsored products and services or through you clicking certain hyperlinks on our website. This compensation could affect the way, location and in what order the products are listed within categories, with the exception of those the law prohibits it in the case of our home equity, mortgage and other home loan products. Other factors, such as our own rules for our website and whether a product is available within your area or at your self-selected credit score range may also influence the way and place products are listed on this website. Although we try to offer an array of offers, Bankrate does not include information about each financial or credit item or service. You’re walking across the stage shortly to be awarded your diploma and now it’s time to journey into the real world. The purchase of a car could be a part of your plan if you are going to live in an area where public transportation isn’t the most efficient method of travel. However, before heading to the dealer to pick out the perfect car, you should do some research and be preapproved for the purchase so that you make an informed decision. Choose the car that’s right for your lifestyle post-graduation The prospect of owning your own car is exciting. But you should be careful not to becoming distracted. Or, you might choose a car that suits your taste yet isn’t practical. What’s your commute from and to work? If your commute is long you might want focus your hunt down to cars that have good fuel economy ratings particularly in light of how gas prices are trending. The current price is $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. Yet, it’s more than the average cost per gallon , which was $3.18 only one year earlier. Visit the and use its online tool to view the average annual cost of fuel for the vehicles you are considering. The tool lets you narrow down to year, make and model, or browse suggestions for the most efficient vehicles. Size and accessories Can a small car be sufficient, or do you need something larger, such as a crossover or pickup truck? What about the features — are certain ones a “must-have” in your list? If you’ve recently secured a job with a good salary that you will start after graduation, you may have the most recent technologies and features. But, you may prefer an affordable car the features until you start working and get more established in your career. Safety features How safe is the vehicle you’re considering? Request a copy of the vehicle’s . It also contains maintenance records. It provides information on whether the car has been involved in any accidents. It is a good reference. You can search safety ratings and look on recalls using the vehicle’s model and model, or VIN. Decide between new and used There is a lot to appreciate about a brand new car. It’s clean, in great shape and smells good. However, there are some that are just as reliable. Plus, you could buy an extended warranty at around $1,500 and have added peace of mind knowing you’re covered in the event that you suffer a serious mechanical failure. Consider the following when deciding between a used and new car: New cars have a manufacturer’s warranty. This warranty can save you a significant amount of cash if your vehicle breaks down and requires major repairs during the first several years that you own it. New cars usually have modern technology. You may also get a used vehicle with the features you want. Certain used cars may be low-mileage. This means that if you don’t encounter numerous mechanical issues over time, maintenance costs will likely be lower and you’ll receive a better deal. Certain used cars are . These are given the manufacturer’s seal of acceptance after being brought up to a level mechanically and are covered by an limited warranty from the factory. Think about the whole cost of ownership of a vehicle. Besides the monthly payments, fuel costs and insurance premiums for autos and also take the cost of maintenance and repairs. In 2021, the median expense for maintenance, repairs and tires was 9.55 cents per mile as reported by . The costs can vary according to the vehicle you own, but you can use the calculator to estimate how much you may be spending over the course of. The annual registration renewal costs typically range from under $20 to around $200 per year, are also a factor to consider. Some states assess fees in a lump sum, while others use your vehicle’s age, the efficiency of its fuel or weight to calculate the registration fee. Research cars and get financed before going to a dealership Many dealerships provide in-house financing, but it’s wiser to prior to shopping for an automobile. You should know what you’re able to spend, and quotes from your credit union or bank can help you determine the best price for your purchase. Additionally, you’ll have more leverage when . The deal won’t depend on the ability of you to obtain financing from the dealer, and you can behave like an actual cash buyer. Understand the benefits of buying vs. leasing. There’s a lot of chatter around and which one is more suitable. Here are some benefits of both options to consider lease payments on more recent automobiles are usually cheaper. If you have your sights set on a specific car that’s a bit expensive it is possible to afford the monthly payments when you lease. There’s a manufacturer’s warranty for leases of a brand-new car. It typically will cover you with a maximum of 36,000 km or 3 years, which means you won’t need to worry about spending thousands of dollars on repairs when an issue with your vehicle arises. There aren’t any mileage limitations for buying a vehicle. If you opt to lease, you will be restricted to a range of 10,000 and 15,000 miles per calendar year, or be at risk of accruing high mileage charges. The fees can range from 10 cents to 25 % of a mile or more, depending on the terms of the lease agreement. You’ll own the car once the loan is fully paid. Lease agreements work a little differently, but. You’ll need to return the car to the dealer after the lease expires unless you decide to . In the end, purchasing cars at college is one of the most significant purchases you’ll make. To ensure you get the best deal make sure you do your research to find the right vehicle that fits your lifestyle and your budget. It’s equally important to get preapproved for financing before you visit any dealerships and weigh the benefits of buying or leasing to determine which one is better. Find out more
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Written by Allison Martin’s work began more than 10 years ago as 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 writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain confidence to manage their finances by providing concise, well-studied and well-informed information that breaks down complex topics into manageable bites.
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