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Caleb Sanders
Caleb Sanders

Where Can I Buy My First Car Fix


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where can i buy my first car


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The key to a successful buy is to first determine how much you can afford. Your credit score, monthly income and the type of car you want should all factor into this decision. The key is to strike a balance between fitting your budget and finding a car right for your needs.


There are a lot of costs beyond monthly payments that can cause you to overpay for your vehicle. Settle on the vehicle's price first, then discuss a trade-in, financing or leasing separately, as necessary.


My dad would find an empty parking lot or quiet street where he could stop suddenly and drive around in swervy patterns to test the brakes and steering. I did this myself when my time came and noticed a difference in steering between the two cars I was considering. I also had better visibility in the car I ultimately bought, and it accelerated faster and smoother onto the freeway.


Shopping for my first car without my dad, one of the first things I did was ask where the oil filter was. When the salesperson pointed to it sitting free and clear at the top of the engine, I almost cried with relief.


Once you set your budget, stick with it. If you're purchasing a first-time car buyer and plan on financing your new baby, many salespeople will encourage you to exceed your budget by trying to get you to focus not on the bottom line, but instead on monthly payments. For some buyers, the justification works, but don't let lose sight of the total purchase cost.


If zero percent financing deals aren't being offered and you're in a rush to buy, shop around for a good interest rate and read the fine print. Those great rates may only be for folks with excellent credit or may just be the introductory rate -- a car loan that starts a 1.9 percent for the first year but then balloons to 13 percent is not a good deal. A car loan with an interest rate at 3 percent or below is good, but since it's not zero percent interest, consider putting money down to decrease the total interest paid. Here's an example of how much you can save:


The dealership will likely try to sell you an extended warranty, but remember, new cars come with a bumper-to-bumper warranty already, usually three to five years or anywhere from 36,000 to 50,000 miles. Hyundai and Kia have 10-year/100,000 mile warranties on their powertrains, which includes the engine and transmission. I'm not a fan of extended warranties, but if you're planning on keeping your car a long time or putting a lot of miles on it, it may be worth it. And, in some cases, a warranty that exceeds your ownership of the car can add value when you resell it -- just make sure it's transferable.


The average price of a new car was $46,000 in June and the average price of a used car was $28,000, both up more than 20% since the start of the pandemic, according to Cox Automotive analysis of vAuto Available Inventory data. The market is so competitive that buyers are paying thousands of dollars over the asking price in many cases. And prices aren't expected to come down until at least 2023. So, under those circumstances, if you're in the market for your first car, it's going to be a challenge.


It may be helpful to even follow the 50/30/20 rule where 50% of your paycheck is spent on necessities, 30% on wants and 20% on savings. There are other tools at your disposal, such as online budget calculators that can help you configure specific costs such as the Edmunds Car Affordability Calculator.


As a real estate agent, Cannata, a 2022 college graduate, is paid after she makes a house sale, so the time in which she could receive a paycheck varies anywhere from once a month to every week or two.


"Sometimes the cost of the car depends on the location," said Nelson. "For example, maybe in Akron, Ohio, I can get a more affordable one than I've tried to purchase in Cleveland. That's why it's important to do your research to get an idea of different areas where the car might be more affordable."


If you are a recent college graduate and or a first-time buyer, it is most likely that you want to save as much money as possible. So definitely shop and compare. When buying a used car, you have to decide if you want to buy from a private seller or dealership and then find the best price.


In the same way that a lot of people rent an apartment before buying a house, leasing a car is another option instead of buying. Although you would never outright own the car, it's an option that works for a lot of first-time buyers.


After recently going through this process herself, Junys Javier, a current master's student at Farleigh Dickinson University, advises anyone who may be getting ready to buy a car to do their research and accept that the first car may not be ideal.


"You may have to make these sacrifices to have something to get you from point A to point B. Just know the car that you eventually want to have will come. Your first car will probably not be your dream car and that's OK."


Among the many milestones that come with being a young adult, buying your first car is a big one. Sure, it's exciting...but it's also pretty intimidating, because your options seem limitless. (And those price tags are so high!) Luckily, buying your first car is not as hard as it seems. You just need to arm yourself with the right information. Whether you decide to buy a new or used car, take the same approach: do your research and know your budget.


Whether you're moving out of your parents' house and taking your car with you or buying your first car while living on your own, you need your own car insurance policy. Buying car insurance for the first time can feel intimidating, but you can feel empowered with the right tips to follow. You have the freedom to choose your own insurance company and customize your policy to fit your needs.


Now that it's time to purchase a policy, make sure your coverages, limits, and discounts cater to your situation. Here's a simple checklist with items to consider before purchasing your first car insurance policy:


While insurance for drivers over 25 generally costs less than what younger or first-time drivers will pay, you should still choose an insurance company with an array of car insurance discounts to help you save. If you're a renter, you can bundle your auto policy with renters insurance and earn a multi-policy discount with Progressive in most states. If you have a roommate, some insurers will allow you to earn a multi-car discount by driving separate vehicles and sharing an auto policy. Students and teenagers can also save with student car insurance discounts.


Sometimes a new car is the most expensive option, but that spending comes with savings in other areas. For example, you can expect to have low maintenance costs for the first few years and spend less on gas. If you qualify, you may be able to take advantage of better rates on loans, too.


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Whether you've just graduated or saved up for your first new car, congratulations! Buying a new car, truck or SUV is an exciting event, but where do you start? Should you show up a dealership and start kicking tires and taking test-drives? That may be fun, but it could also be a frustrating and confusing way to buy your first car. A more strategic approach will likely result in a much more satisfying buying experience and a new vehicle you're going to be happy with.


Do you have questions about the car buying process? The team at Sunnyside Chrysler, Dodge, Jeep & Ram in McHenry, IL by phone at (815) 900-5920 to allow our team to walk you through buying your first car.


The first step is to decide if you want to buy new or used. Buying a new car means you're the first person to drive a model fresh out of the factory, but they come with a much higher initial cost and down payment if you finance. Choosing a used car means you can get behind the wheel for less, but there may be greater maintenance cost, especially if the car is out of warranty.


A lot of young adults today work and ride public transportation all the way through college. Others use a family car during their early driving years. In either case, this means many people are well into their twenties before they decide on the best first car to buy.


Buying your first car can be a daunting task, but it doesn't have to be. Considering things like engine size, safety ratings, and other common measures of quality can be confusing, to say the least. Plus then you have to factor in your realistic budget, the local market, and other personal factors. Regardless of income, you can find affordable car insurance within our trusted network.


If you're still wondering how to buy your first car, have no fear. Before you venture out to any car dealerships, take a look at our 8 first-time car buyer tips you should know when you're buying your first car.


Some of the best first cars to buy end up being used models. On average, a new car loses 9% to 11% of its value the moment you leave the lot. Every following year for the next 5 years, the car depreciates by 15% to 25%. And after five years, a car is worth just 37% of whatever you agreed to pay for it. 041b061a72


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