Buying a pickup truck: How to choose 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 that provide original and objective content, by enabling you to conduct your own research and evaluate information at no cost – so that you can make sound financial decisions. 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 products that appear on this website are provided by companies that pay us. This compensation can affect the way and when products are featured on this site, including, for example, the sequence in which they appear in the listing categories, except where prohibited by law. This applies to our mortgage, home equity and other products that lend money to homeowners. However, this compensation will affect the information we provide, or the reviews that appear on this website. We do not cover the universe of companies or financial offerings that could be accessible to you. AleksandarNakic/Getty Images
4 min read Published 20th April, 2022
Writer: Kellye Guinan Written by Personal and business finance Contributor Kellye Guinan is an editor and writer on a freelance basis with more than five years’ experience in personal finance. She also is employed full-time at the local library where she helps people in her community gain access to information on financial literacy, in addition to other topics. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to manage their finances with clear, well-researched information that breaks down otherwise complex topics into manageable bites. The Bankrate guarantee
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This compensation could affect the way, location and when the products are listed within categories, with the exception of those prohibited by law for our mortgage home equity, mortgage and other home loan products. Other elements, like our own rules for our website and whether or not a product is available within the area you reside in or is within your personal credit score may also influence how and when products appear on this website. While we strive to provide an array of offers, Bankrate does not include information about each credit or financial product or service. Trucks can be a bit complicated. There are a myriad of options, and the type and strength you require will be contingent on the way you’ll use it. Be familiar with the most typical features such as powertrain axles, cab dimensions, and towing capacity prior to . Choosing a pickup truck is going to take research however, preparation can make it easier to make an informed choice that will suit your needs and financial needs. What kind of horsepower do you need? A truck with greater power, towing capacity and torque will cost more. It’s not just about cost obviously, but it is important to be aware of whether you truly require an extremely powerful engine prior to spending thousands of dollars to purchase it. A diesel engine is a great option, and offers higher power could also cost you a lot. The V6 and V8 engines are more common and offer more power, but there are four-cylinder engines that can be used for smaller weights. If you’re looking to haul a lot to buy groceries, think about smaller models that has an auto gas engine that is fuel efficient and has high efficiency. A smaller engine may be better for you and your budget. How much are you hauling? A mid-sized truck is your best option if you don’t plan on hauling large boats or trailers. They’re more affordable and offer better performance over their larger counterparts. Midsize trucks are suited for smaller loads, not towing. Due to their lighter weight, you’ll also pay less for fuel. Which means if you have things to pull, choose a larger truck. There are heavy-duty and light-duty alternatives for nearly every model that is full-size. Naturally, trucks meant for light-duty can carry smaller, but once again they provide better fuel efficiency because of their lighter weights. Keep in mind that towing capacity as well as payload capacities are two different things. Towing refers to how much your truck can carry behind it. Payload is the amount that it can carry in its bed. Even if you’re not planning to attach a high-quality horse trailer to the back of your truck, make sure its payload meets your requirements. Do you need four- or two-wheel drive? A vehicle with two wheels will be more affordable and will offer . You’ll be able to select either rear- or front-wheel drive. Whichever one you pick, it’s best suited to stay on the road. A truck that has four-wheel drive is more for driving off the road and icy or slippery conditions, such as on a boat launch. You’ll have better grip, but it will not be as efficient in fuel. How much space in the cab do you require? Cab space is likely to be one of the most important aspects for truck drivers who are not experienced. And for most the time, a cab with a crew will be the best choice even if it does require more expense. Single-cabs is the traditional two-door design. They are typically just able to accommodate three people, however they often have longer beds. Extended cabs: Extended cabs are basically the equivalent of a cab and half. There are two doors that are smaller as well as a small amount of legroom in the back It’s nevertheless a good compromise between the two cab options. Crew Crew cabs are a four-door option that resembles the SUV or sedan. The capacity of a cab varies depending on the model and trim and are the ideal choice for those who have passengers in the back seat on a regular basis. Options for fuel You’re not limited to just diesel or gas. Companies like Ford have pledged to offer more in the coming years. However, they are new options and might restrict your towing or payload capacity. Between gas and diesel Diesel engines are more efficient in terms of fuel consumption. They also have greater power to trucks that are in use. However, they’re also more expensive to purchase and use fuel. For casual drivers, a gas engine may be best. They are more versatile and lower cost than diesel or electric engines. You’re more likely to find these on the bed , too. Long or short bed? It is likely that the longer your bedis, the smaller your taxicab. Therefore, if a team cab is necessary and you need it, you’ll end up with a shorter bed. If you require a longer bed, you may have to settle for an extended or single cabin. One thing you should consider is how often you’ll put things into the bed. If the truck you have is mostly for looks -it’s fine with this — a narrower bed is easier to move around and park. It will likely also be ample space when you do need to transport something bigger. New or used? New trucks offer you the chance to be certain about every aspect of your ride, both interior and exterior. It’s certainly a splurge -new vehicles are costly — but when you’ve got a particular style, technology, or other feature in mind then a new model is the best way to go. On the other hand, a used vehicle is a more reasonable option. You might not be able to get the exact truck that you desire, but you will get rid of the cost of depreciation. And if you only need something functional There are many older models on the market which are inexpensive and reliable. It’s all about your needs and budget. A brand new vehicle may be costly, but it might be more efficient in fuel usage or feature more advanced technology. A used truck may be less efficient on fuel however the lower price point can make it more affordable to drive. Manual or automatic? This is more of an individual choice. There isn’t a huge difference as far as price between the two, although certain trucks might come with either one or the other. For suburban or city drivers, automatic offers an easier to drive. If you want more control for off-roading, manual transmissions might be better. After you’ve looked at the main advantages of owning a truck begin looking at specific models and trims. It will provide you with a good idea of the budget you’ll be looking at. If you are aware of this, you’ll be able take a taxi at a reasonable rate of interest.
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Written by Business and personal Finance Contributor Kellye Guinan is a freelance editor and writer with more than 5 years experience working in the field of personal finance. She is also employed full-time at the local library where she helps the community gain access to information on financial literacy, among other topics. Written 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 the confidence to take control of their finances by providing clear, well-researched information that breaks down complicated subjects into bite-sized pieces.
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