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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 mission is to help you make better financial choices by providing you with interactive tools and financial calculators as well as publishing high-quality and impartial content, by enabling users to conduct research and compare information at no cost to help you make sound financial decisions. Bankrate has partnerships with issuers, including but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that appear on this website come from companies that compensate us. This compensation could affect how and where products are displayed on this website, for example, for example, the order in which they appear within the listing categories in the event that they are not permitted by law for our mortgage, home equity, and other home lending products. But this compensation does have no impact on the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial deals that could be open to you. kali9/Getty Images

4 min read Published 16 September 2022

Written by Allison Martin Allison Martin Written by Allison Martin’s work began over 10 years ago as a digital media strategist. She’s been published in several leading financial outlets, including 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 the end of 2021. They are passionate about helping readers feel confident to manage their finances with clear, well-researched facts that break down complicated topics into bite-sized pieces. The Bankrate promises

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You have money questions. Bankrate has answers. Our experts have been helping you master your finances for more than four years. We strive to continuously provide our readers with the professional advice and tools needed to be successful throughout their financial journey. Bankrate follows a strict policy, which means you can be confident that our content is truthful and reliable. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is factual, objective, and not influenced from our advertising. We’re open about how we are in a position to provide quality content, competitive rates and useful tools to you by explaining how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for the promotion of sponsored goods and services, or by you clicking on certain hyperlinks on our site. Therefore, this compensation may influence the manner, place and in what order products appear within listing categories, except where prohibited by law in the case of our home equity, mortgage and other home lending products. Other elements, such as our own rules for our website and whether a product is available in the area you reside in or is within your self-selected credit score range can also impact the way and place products are listed on this site. We strive to provide the most diverse selection of products, Bankrate does not include details about every credit or financial product or service. It’s your turn to walk across the stage shortly to be awarded your diploma and now it’s time to journey into the real world. A car purchase could be part of the plan if you plan to be living in a place where public transportation isn’t the most efficient method of travel. Before you go to the dealership to choose the ideal car, you should do some research and obtain preapproved the purchase so that you shop with confidence. Choose the car that’s right for your needs post-graduation. prospect of owning your own vehicle is thrilling. But, it is important to avoid getting sidetracked, or you might choose a car that fits your style however isn’t practical. Commute How long is your commute from and to work? If your commute is lengthy, you may want to narrow your search to cars that have good fuel economy ratings and especially considering how prices for gas are changing. The current price is $3.70 to the gallon in regular fuel according to AAA which is just a bit lower than the previous month’s median of $3.96. Still, this figure is more than the average cost for a gallon that was $3.18 only one year ago. Use the online tool to view the average annual fuel costs for any vehicles you are considering. It is possible to narrow by year, year-old, and model, or view suggestions for the most efficient cars. Dimensions and other features Are compact cars enough for you, or do you require something more substantial, like a crossover or pickup truck? What are the best features? are certain ones a “must-have” on your list? If you recently landed a job with a good salary that you will start soon after graduating, you may be able to with the most recent technologies and features. However, you might be better off with smaller vehicle without all the until you begin work and become more established in your job. Safety features How safe is the car you’re thinking of buying? Request a copy of the vehicle’s . It also contains maintenance records. It discloses if the car was involved in any accidents. Another good source is the website. You can search for safety ratings and look whether recalls have occurred by typing in the vehicle’s make and model or VIN. Choose between used and new There’s a lot to appreciate about a brand new vehicle. It’s shiny, in top condition and smells great. However, some are just as trustworthy. Additionally, you can purchase an extended warranty for around $1500, and get assurance that you’re covered in the case the worst happens and you experience a mechanical malfunction. Take note of the following when making a decision between a new and used car: New cars are covered by a manufacturer’s guarantee. This warranty could save you lots of cash if your vehicle is damaged and requires major repairs in the initial few years of ownership. New cars often have all modern features. But, it is possible to get a used car with your desired features. There are some used cars that have low mileage. This means that if you don’t encounter many mechanical issues for some time. Maintenance costs will likely be lower , and you’ll get a better deal. Certain used cars are . They are issued the manufacturer’s seal of acceptance after being brought up to a standard mechanically and have an limited warranty from the factory. Consider the total cost of ownership of a vehicle. Besides the monthly payments as well as fuel and insurance premiums for autos and also take the cost of maintenance and repairs. In 2021, the median expense for maintenance, repairs and tires was around 9.55 centers per mile as reported by . However, the costs differ according to the vehicle you own and you can utilize the information to get an idea of the amount you can expect to spend over time. Annual registration renewal expenses that typically vary from less than $20 to just over $200 annually, is important to keep in mind. Some states assess fees in a lump sum and others rely on the age of your car, its fuel efficiency or weight in calculating the registration fee. Research cars and get financed before going to a dealership Most dealerships offer in-house financing, but it’s wiser to begin shopping before purchasing the car. You want to be aware of what you’re able to spend and also get quotes from your credit union or bank will assist you in deciding on an amount that is feasible for you. There’s also more leverage when . The deal won’t depend on your ability to get financing from the dealer, and you’ll be able to behave as a cash buyer. Know the advantages of purchasing instead of. leasing There’s a lot of chatter around and which option is better. There are a few advantages of both options to consider: Lease payments on newer automobiles are usually more affordable. If your eyes are set on a specific car which is expensive it is possible to afford the monthly payments by leasing. You’ll receive a manufacturer’s guarantee in the event that you purchase a new car. It typically covers you with a maximum of 36,000 km or 3 years, so you won’t be required to spend a fortune on repairs if a mechanical issue comes up. There are no mileage restrictions if you buy a car. But if you decide to lease, you will be limited to anywhere between 10,000 and 15,000 miles per calendar year, or you could end up paying exorbitant mileage fees. The fees can range from 10 cents and 25 % of a mile or more, according to the terms that the contract for lease. You’ll own the car once the loan is fully paid. Lease agreements operate differently, however. The lease will require you to return the car to the dealer once the lease is over unless you opt to . Next steps Ultimately, buying cars at college is one of the biggest purchases you will make. To ensure you get the best price it is important to conduct the necessary research to locate the right vehicle that fits your lifestyle and your budget. It’s equally crucial to be preapproved for financing prior to going to any dealership. You should also weigh the benefits of buying and leasing to determine which option is best. Learn more

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Written by Allison Martin’s work began over 10 years ago when she was an online content strategist and she’s since been featured 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 editing and writing for Bankrate since the end of 2021. They are dedicated to helping readers gain the confidence to take control of their finances through providing clear, well-researched details that cut otherwise complex topics into manageable bites.

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