Buying a new car is a big decision, and following a few key rules can help you make a smart choice:

1. Set a Budget – and Stick to It

Know what you can afford before stepping into a dealership. Factor in:

• Monthly payments

• Insurance costs

• Taxes, registration, and fees

• Fuel and maintenance expenses

2. Do Your Research

Compare makes, models, features, and prices online. Use tools like:

• Kelley Blue Book (KBB)

• Edmunds

• Consumer Reports
  Look into safety ratings, fuel efficiency, and long-term reliability.

3. Shop Around for Financing

Don’t rely only on dealership financing. Check rates from:

• Banks

• Credit unions

• Online lenders
  Get pre-approved so you know what interest rate you qualify for.

4. Test Drive Like a Pro

Don’t rush it—test drive multiple models. Pay attention to:

• Comfort and visibility

• Noise levels

• Acceleration and braking

• Tech and ease of controls

5. Negotiate the Price, Not the Payment

Focus on the total cost of the car, not just the monthly payment. Dealerships may stretch out loan terms to make payments look smaller.

6. Watch Out for Add-Ons

Dealers may try to upsell you on extras like:

• Extended warranties

• Paint protection

• Gap insurance
  Decide ahead of time what you need—and say no to the rest.

7. Understand the Contract

Read the paperwork carefully before signing. Make sure:

• All promises are in writing

• Fees are explained

• The interest rate and term match what you agreed to