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4 min read. Published 13 October 2022
Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ways and pitfalls of taking out loans to buy an automobile.







The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping their readers feel confident to manage their finances with precise, well-studied information that break down complex topics into digestible chunks.









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The most important thing to leave the dealership happy with your purchase is to be able to identify the best inquiries to make. In order to protect your wallet and needs, prepare with a list of hard questions, and be ready to walk away when you aren't able to get satisfactory answers. Otherwise, you may not receive the best price in the purchase of a vehicle. Questions to ask every car dealer, regardless of whether you choose to purchase a brand the car new or second hand, here are three general questions to ask the dealer before you go into the store for a shake. Can I test drive the car? It's difficult to tell if a vehicle is suitable for you until you adjust the seat and get a feel for the handling capabilities. Take note of the feel of the brakes and also if you see the vehicle fitting all your requirements and daily routines. If you are able then ask to take the vehicle in your garage in a parking spot to see if it fits the way you want it to. Some dealers will allow you to store the vehicle for a night to check it out on your daily schedule. What is the warranty on the vehicle, if any? Warranties may cover specific damage that the vehicle incurs and wear and wear and tear. For new vehicles, manufacturer warranties cover the most serious problems -- though you will have to pay for regular maintenance. Some newer used cars might still be covered by their original warranty or a new warranty when you opt to purchase certified pre-owned (CPO). If there's a warranty present, you could save a significant amount on future repairs, depending on the extent of it. And even if there's not an existing warranty, you can determine if extended warranties or gap insurance is an option. However, these can be costly and are often not necessary -- therefore, you should think about your requirements before asking a salesperson about it. What additional fees come with the purchase of this vehicle? No matter what vehicle you choose to buy it is important to be ready to pay additional fees. The state you live in may require charges for title transfer as well as other fees which aren't negotiable. The dealership might also have specific fees that you'll have to pay. Although it may be tempting to just add these costs and sales tax to your loan Avoid it if you can. You should be careful not to borrow more than the car is worth. Taxes and fees should pay in cash if you can. Questions to ask when buying the latest car car market continues to thrive and prices are at an all-time high. Even if you are a seasoned professional when it comes to there are still a few key points to cover to ensure that you get the best deal. You must ensure that the dealer can answer these questions before making a decision . What are the conditions for financing? Check for the from outside lenders. If you have good to excellent credit, you'll be able to get a better deal through the credit union, bank or online lender. Make sure you compare prequalification offers to what the dealer offers. Are there any available rebates or incentives? In certain instances you may be eligible to receive a rebate or incentive when you purchase a new vehicle. This perk generally reduces the price of the purchase after taxes.These vary from discounts offered during certain times of the year to those available for certain groups, like veterans and students. What is the documentation cost for this vehicle? The documentation fee, also known as "doc fee" is paid by dealers to cover the cost of completing the sales contract for you. Unlike some fees that come when you purchase a brand new car, the documentation fee cannot be bargained. Certain states have a limit on how much dealers can charge. However, if you reside in a state that does not allow this, you could end up paying up to $600 . What questions should you ask before buying a used car Despite the price hikes on used vehicles because of shortages in inventory, buying used does come with perks. However, it is more risky in the event that you do not know the background of the car. If you are planning to purchase it, ask a few questions, you can ask to ensure that you are getting a vehicle in good condition. Has this vehicle been in any accidents? There aren't any accidents that can be found in a history report, so ask whether your car has been involved in any accidents , and how the damage was later repaired. You should inquire about the time the accident was, and if there have been any repairs after the incident. What number of owners has this vehicle been through? Ideally, you want a pre-owned car with one to two happy owners rather than a car that was rented out to several drivers. A car with a long ownership history could be a major red flag that the vehicle has some outstanding issues. It is also important to inquire about what the source of the vehicle. A trade-in may not have the full background, whereas an earlier rental has been regularly serviced -- in the event that it is driven with more force than a privately owned car. Could I have the vehicle checked with my mechanic? Asking for a is a fantastic final step in your questioning process but be sure to only inquire if you are certain you'd like to purchase the car pending the results of an inspection. It can aid in determining the confidence of the dealer in the vehicle . Having an experienced pair of eyes to look the vehicle over can assure you that you're getting what you are paying for. The most important thing to remember is that in addition to researching the type of vehicle you're interested in and looking to get the best price on financing, you must know what questions to ask prior to going to the dealership. Arrive at your dealership with a specific plan and a list of the right concerns to inquire about. You'll also be equipped with the knowledge needed to make an informed decision, whether it's signing on the dotted line or walking away to search for the best deal elsewhere. Learn more


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Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers with the details of taking out loans to buy an automobile.



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to manage their finances by providing clear, well-researched information that breaks down complicated topics into bite-sized pieces.






Auto loans editor




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