Before you shop
- Set a total budget (payment + insurance + gas + maintenance).
- Check your credit; get pre-approved for a loan from a bank or credit union if financing.
- Research models, reliability, and total cost of ownership.
At the dealer or seller
- Negotiate on out-the-door price, not monthly payment.
- Don't add unnecessary extras (extended warranty, gap insurance) without thinking.
- Read the contract before signing; watch for add-ons.
If you're trading in
- Know your car's approximate value (KBB, Edmunds).
- Get a quote from the dealer but also consider selling privately for more.