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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 decisions by offering interactive financial calculators and tools that provide objective and original content, by enabling users to conduct research and compare data for free to help you make informed financial decisions. Bankrate has partnerships with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site are from companies who pay us. This compensation can affect the way and where products are displayed on the site, such as the sequence in which they appear within the listing categories, except where prohibited by law for our mortgage, home equity and other home loan products. This compensation, however, does not influence the information we provide, or the reviews that you see on this site. We do not cover the universe of companies or financial offerings that might be accessible to you. kali9/Getty Images

4 min read . Published September 16, 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 published in several leading financial outlets, including The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are dedicated to helping their readers to manage their finances through providing concise, well-researched and well-written information that breaks down complex topics into manageable bites. The Bankrate promises

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We make sure that everything we publish ensures that everything we publish is accurate, objective and trustworthy. The loans reporters and editors concentrate on the things that consumers are interested about most — the different kinds of lending options as well as the best rates, the best lenders, how to pay off debt and many more. So you can feel confident when investing your money. Integrity in editing

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You have money questions. Bankrate can help. Our experts have been helping you manage your finances for over four decades. We are constantly striving to give our customers the right advice and the tools required to make it through life’s financial journey. Bankrate adheres to a strict code of conduct , so you can trust that our content is honest and accurate. Our award-winning editors and reporters provide honest and trustworthy content to help you make the right financial decisions. The content we create by our editorial team is objective, factual and is not influenced by our advertisers. We’re open about the ways we’re in a position to provide quality information, competitive rates and useful tools to you , by describing how we earn our money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for placement of sponsored products and services, or by you clicking on specific links on our website. Therefore, this compensation may impact how, where and in what order products are displayed within the listing categories, except where it is prohibited by law regarding our mortgages, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether the product is available in the area you reside in or is within your self-selected credit score range may also influence the way and place products are listed on this site. While we strive to provide a wide range offers, Bankrate does not include information about every credit or financial product or service. You’ll be walking across the stage shortly to receive your diploma and now you’re ready to go out into the world. A car purchase could be a part of the plan if you’re planning to be living in a place that public transportation isn’t your most efficient method of travel. However, before heading to the dealership to pick out the perfect vehicle, conduct your own research and be preapproved for and so that you can make an informed decision. Choose the car that’s right for you post-graduation. The prospect of owning your own car is exciting. But you should be careful not to becoming distracted. Or, you may choose a car that is in line with your preferences but isn’t practical. The commute How long will your commute from and to work? If your commute is lengthy you might want limit your searches to cars that have good fuel economy ratings and especially considering how prices for gas are changing. The current price is $3.70 per gallon for regular gasoline, according to AAA which is slightly lower than last month’s average of $3.96. Yet, it’s much higher than the average cost per gallon , which was $3.18 in the same year ago. Go to the website and use their online tool to view the annual average fuel cost for the vehicles you are considering. It is possible to narrow down to year, make and model, and then view some suggestions for the fuel-efficient automobiles. Size and accessories Can a small car be sufficient or do you require something larger, such as a crossover or pickup truck? What about features — are there certain features that are “must-have” in your list? If you’ve recently secured a job with a good starting salary soon after graduating, you may be able to with the most recent technologies and features. But, you may prefer a smaller ride without all the features until you start working and get more established in your job. Safety features How secure is the vehicle you’re looking at? Request a copy of the vehicle’s . It includes maintenance records and provides information on whether the car was involved in any collisions. The is another good resource. You can search for safety ratings and search for recalls by entering the vehicle’s make and model or VIN. Decide between new and used There is a lot to appreciate about a brand new vehicle. It’s shiny, in top condition and smells great. But the reality is some are as trustworthy. You can also purchase an extended warranty at around $1500, and get assurance that you’re protected in the event that you suffer a serious mechanical malfunction. Think about the following factors when choosing between a new and used car: New cars are covered by a manufacturer’s guarantee. This coverage could save you a lot of cash if your vehicle breaks down and requires major repairs in the first several years that you own it. New cars usually have the latest technology. You may also find a slightly used vehicle with the features you want. Some used cars can have low mileage. Therefore, if you don’t experience many mechanical issues for some time. Maintenance costs will likely be lower and you’ll be able to get a better price. Certain used vehicles are . These are given the seal of approval from the manufacturer after being upgraded to a certain standard mechanically and have an limited warranty from the factory. Consider the total price of owning a car. In addition to the monthly payments for fuel, as well as insurance premiums for autos You should also factor the cost of maintenance and repairs. In 2021, the median cost of maintenance, repairs and tires was around 9.55 centers per mile as reported by . Still, these costs vary according to the vehicle you own, but you can use the information to determine the amount you can expect to pay over the course of. Annual registration renewal expenses typically can range from as little as $20 to a little over $200 per year, are important to consider. Some states assess a flat fee, while others use the age of your car, its fuel efficiency or weight to calculate the registration fee. Explore cars and apply for financing before going to a dealership Many dealerships provide in-house financing however it is better to do this before you start shopping for the car. It is important to be aware of the amount you’re able to afford and also get quotes from your bank or credit union will help you decide on an amount that is feasible for you. You’ll also have more leverage . The sale won’t be contingent upon your ability to get financing from the dealer, and you can behave like an actual cash buyer. Learn the advantages of buying vs. leasing There’s plenty of chatter around and which option is better. There are a few advantages of both options to consider The lease payment on the latest vehicles are generally cheaper. If you have your sights set on a specific car which is expensive, you may be able to afford the monthly payment by leasing. You’ll receive a manufacturer’s guarantee for leases of a brand new car. It typically will cover you with a maximum of 36,000 km or three years, so you won’t be required to spend thousands of dollars on repairs when an issue with your vehicle arises. There aren’t any mileage limitations when you purchase a car. But if you decide to lease the car, you’ll be limited to anywhere between 10,000 and 15,000 miles per year or be at risk of accruing excessive mileage fees. These can range between 10 cents to 25 cents per mile or more, depending on the specifics that the contract for lease. The car is yours after the loan is fully paid. Lease agreements operate a bit differently, but. The lease will require you to return the car to the dealer when the lease expires unless you choose to . In the end, purchasing cars during college is among the biggest purchases you will make. To ensure that you are getting the best deal it is important to conduct the necessary research to locate an automobile that is compatible with your lifestyle and your budget. It is equally important to obtain pre-approval for financing prior to going to any dealerships and consider the advantages of purchasing versus leasing to decide which one is better. Find out more

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Written by Allison Martin’s work began over 10 years ago as a digital content strategist, and since then she’s been published in various top financial media which include The Wall Street Journal, MSN Money, MoneyTalksNews , Investopedia, Experian and Credit.com. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping readers gain confidence to control their finances through providing precise, well-studied details that cut complicated topics into digestible pieces.

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