Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make better financial choices by providing you with interactive financial calculators and tools as well as publishing original and reliable content. We also allow users to conduct research and compare information for free to help you make financial decisions with confidence. Bankrate has agreements with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website come from companies that pay us. This compensation may impact how and where products appear on this website, for example for instance, the order in which they appear in the listing categories in the event that they are not permitted by law. This applies to our mortgage, home equity and other home lending products. But this compensation does affect the information we publish, or the reviews you see on this site. We do not include the vast array of companies or financial offerings that could be accessible to you. AleksandarNakic/Getty Images
4 min read Published April 20 20, 2022
Kellye Guinan Kellye Guinan. Written by Personal and Business Finance Contributor Kellye Guinan is an editor and writer on a freelance basis with over five years of experience in personal financial planning. She also is an employee full-time at her local library, where she assists people in her community gain access to information on financial literacy, among other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are committed to helping readers to take control of their finances with concise, well-researched and precise information that breaks down otherwise complex subjects into digestible pieces. The Bankrate guarantee
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So, this compensation can influence the manner, place and in what order the products are listed within categories, with the exception of those it is prohibited by law for our mortgage home equity, mortgage and other products for home loans. Other elements, like our own rules for our website and whether the product is available within your area or at your self-selected credit score range may also influence how and where products appear on this website. Although we try to provide the most diverse selection of products, Bankrate does not include specific information on every financial or credit product or service. Trucks can be a bit complicated. There are a myriad of configurations, and the size and strength you require depends on how you’ll use it. Learn about the basic features like powertrains axles, cab dimensions, and towing capacity before . Picking a pickup truck is going to take research, but preparation will lead to an informed decision that will suit your needs and finances. How much power do you require? A truck that has greater power, towing capacity and torque will cost you more. It’s not all about price obviously, but it is important to think about whether you really require an extremely powerful engine before you spend thousands of dollars on it. Diesel engines is a great option, and offers higher power can also be a costly addition. The V6 and V8 engines are more common and offer more power, but there are four-cylinder engines that can be used for smaller loads. If your biggest haul is for groceries, consider an engine that is smaller and comes with an automated gas engine with good fuel efficiency. A smaller engine may be better for you and your budget. How much do you plan to haul? A mid-sized truck is your best option if you don’t have plans to haul trailers or large boats. They’re less expensive and have better quality driving than their full-size counterparts. Midsize trucks are best suited to lighter loads and are not suited for towing. And because of their weight reduction, you’ll also pay less for fuel. This means that if you’ve things to pull, opt for a large-sized truck. There are light-duty and heavy-duty options for virtually every model that is full-size. Naturally, trucks designed for light-duty use will haul less , but in addition they are more efficiency in terms of fuel consumption due to their lighter weights. And remember: Towing capacity and payload capacity are two different things. Towing refers to how much your truck can haul behind it. Payload is the amount it can carry in its bed. Even if you aren’t planning to strap a heavy-duty horse trailer to the rear of your truck, be sure the payload of the trailer meets your needs. Do you need four or two-wheel drive? A vehicle with two wheels will be more affordable and will offer . You can choose either front- or rear-wheel drive. Whichever one you pick is the best choice to be used on roads. A vehicle with four-wheel drive is more for driving off the road and slippery, icy conditions, like at a boat ramp. You’ll get more performance, however, it isn’t as efficient when it comes to fuel. What kind of space in the cab do you require? Cab space is likely one of the more important aspects for truck drivers who are not experienced. And for most people, a crew cab is going to be the best choice, even if it does require more expense. Single Cab: Single cabs are the most classic style of two-door. They usually only accommodate three persons, but they can often accommodate more beds. Extended Extended cabs basically are an cab and a half. They have two doors as well as a small amount of legroom in the rear seat however, it’s a great compromise between the one-cab and the crew cab alternatives. Crew Crew cabs are a four-door option that resembles an SUV or sedan. The size of a crew cabin varies according to trim and model, but they are the ideal choice for those who have backseat passengers regularly. Options for fuel You’re not limited to just gasoline or diesel. Companies like Ford are committing to providing more in the coming years. But these are still relatively new choices and may restrict your towing or payload capacity. Between gas and diesel, diesel engines are more efficient in terms of fuel consumption. They also offer greater power to trucks that are in use. However, they’re also more expensive to buy and to fuel. For people who don’t drive often an engine powered by gas could be the best choice. They offer more versatility and a lower price tag than diesel or electric engines. You’re more likely to find these on the bed , too. A short or long bed? It is likely that the longer your bed, the smaller your cabin. Therefore, if a team cab is necessary then you’ll likely end up with a shorter bed. If you require a longer bed, you may be forced to choose a single or extended taxicab. The most important thing to think about is how often you will put things into the bed. If the truck is used mostly for show -it’s fine with this — a narrower bed will be more convenient to park and maneuver. It will likely also be more than enough space to transport something bigger. Are you buying new or used? New trucks will give you the chance to be particular about the entirety of your ride, both interior and exterior. It’s definitely a big investmentnew vehicles are costly — but if you have a trim, technology or other features you want to have, new is the way to take. Conversely, a used truck is a cheaper option. You may not be able to find the exact model that you desire, but you will be able to avoid the depreciation. If you’re looking for something that is functional, there are older models available that are cheap and durable. It all depends on your needs and budget. A brand new car will be expensive but could be more fuel efficient or feature more advanced technology. A used vehicle may be less efficient on fuel however the lower price point could make it cheaper to drive. Manual or automated? It’s an individual decision. There’s no huge difference as far as price between the two, although some trucks may come standard with one or both. For urban or suburban drivers, automatic is the most comfortable experience. However, if you require more control for off-roading, manual transmission might suit you better. The next step is to have thought about the major aspects of owning a truck, look into the the actual models and models. This will give you a good idea of the cost you’ll be looking at. And when you know this, you’ll be able to book a cab at a reasonable rate of interest.
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Written by Personal and business financial Contributor Kellye Guinan is a freelance editor and writer with over 5 years experience working in the field of personal finance. She’s also a full-time worker at her local library where she helps people in her community get information about financial literacy, in addition to other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are committed to helping readers gain confidence to take control of their finances through providing concise, well-researched and well-organized information that breaks down otherwise complicated subjects into bite-sized pieces.
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