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 offering interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct research and evaluate information at no cost and help you make financial decisions with confidence. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this website are provided by companies that pay us. This compensation can affect the way and when products are featured on the site, such as such things as the sequence in which they appear within the listing categories in the event that they are not permitted by law. This applies to our mortgage or home equity, and also other products for home loans. However, this compensation will have no impact on the information we provide, or the reviews that you see on this site. We do not include the entire universe of businesses or financial offerings that could be available to you. AleksandarNakic/Getty Images
4 min read Published 20th April 20, 2022
Written by Kellye Guinan Written by personal and Business Finance contributor Kellye Guinan is a freelance editor and journalist with over five years of experience in personal financial planning. She is also a full-time worker at her local library, where she assists her community access information about 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 passionate about helping readers to manage their finances through providing detailed, well-researched, and well-written information that breaks down complex subjects into digestible pieces. The Bankrate promises
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This compensation could influence the manner, place and in what order the products are listed within categories, unless the law prohibits it for our mortgage, home equity and other home lending products. Other factors, like our own website rules and whether the product is available within your region or within your personal credit score may also influence how and where products appear on this website. While we strive to provide a wide range offers, Bankrate does not include information about each credit or financial products or services. Trucks are a complex thing. There are a myriad of models, and the size and strength you require will depend entirely on how you plan to use yours. Learn about the basic features like powertrains, axles, cab size and towing capacity before . Picking a pickup truck is a process of investigation, but preparation will make it easier to make an informed choice that is compatible with your lifestyle and financial needs. What kind of power do you require? A truck that has more power, towing capacity and torque will cost you more. The price isn't the only factor obviously, but you should think about whether you really require a high level of power prior to spending thousands of dollars for it. Diesel engines -- which offers even more power -- could also cost you a lot. A V6 or V8 engine are more common and offer more power, but there are four-cylinder engines that can be used for lighter loads. If you're looking to haul a lot for food items, you should consider a more compact model that offers an automatic gas engine that has good fuel efficiency. Less power may work better for your budget and needs. What is the amount you're hauling? A mid-sized truck is your best option if you don't plan on hauling trailers or big boats. They're less expensive and boast better driving quality than full-size models. Midsize trucks can handle lighter loads rather than towing. Because of their lighter weight they also cost less for fuel. If you've got things to haul, opt for a large-sized truck. There are heavy-duty and light-duty alternatives for nearly every full-size model out there. Naturally, trucks designed for light-duty can carry smaller, but once again, they offer more fuel efficiency due to their smaller weights. Remember: towing capacities and the payload capability are two different things. Towing is how much your truck can carry behind it. Payload is the amount it can carry in its bed. Even if you aren't planning to mount a strong-duty horse trailer to the back of your truck, make sure the payload of the trailer meets your requirements. Do you require two- or four-wheel drive? A truck with two-wheel drive will be less expensive and provide . You'll have the option of choosing either rear- or front-wheel drive. Whatever you pick, it's best suited to be used on roads. A vehicle with four-wheel drive is better at handling off-road and in slippery or icy conditions like on a boat launch. You'll get more grip, but it isn't as efficient when it comes to fuel. What kind of is the space you'll need in your cab? Cab space is likely one of the more important factors for casual truck drivers. And for most, a crew cab will provide the most value even if it does mean spending more money. Single Cab is the classic two-door look. They typically only seat three people, but they can often accommodate larger beds. Extended cab: Extended cabs are basically the equivalent of a cab and half. There are two doors that are smaller and limited leg room in the back seat however, it's a great compromise between the single and crew cab choices. Crew cab: Crew cabs are a four-door version that looks like a sedan or SUV. The space of a crew cabin varies according to trim and model however they're the best option if you have backseat passengers on a regular basis. Fuel options You are not restricted to gas or diesel. Companies like Ford are committing to providing more options in the future. However, they are new and could limit your payload or towing capacity. Between diesel and gasoline Diesel engines are slightly more fuel efficient. They also offer more power for trucks in operation. However, they're more expensive to purchase and use fuel. For those who aren't experienced drivers, a gas engine may be the better choice. They're more flexible and are less expensive than diesel or electric engines. You're more likely to find them on the. Short or long bed? You will find that the longer your bedis, the smaller the taxicab. If a crew cab is necessary, you will likely be forced to use a smaller bed. If you require a larger bed, you might have to settle for a single or extended taxicab. One thing you should consider is how often you'll be putting things in the bed. If the truck is used mostly for show -- and there's nothing wrong with this -- a narrower bed is easier to park and maneuver. It's also likely to be ample space to transport something bigger. Used or new? New trucks will give you the chance to be certain about every aspect of your ride as well as the exterior. It's definitely a big investmentnew vehicles are costly however If you've got a specific style, technology, or other features in mind then a new model is the best way to choose. On the other hand, a used vehicle is a cheaper option. It is possible to get the exact truck of your dreams but you'll be able to get rid of the cost of depreciation. If you're looking for something that is functional There are many older models on the market that are cheap and reliable. It's all about your priorities and finances. A brand new vehicle may be costly, but it might be more efficient on fuel or feature more advanced technology. An older model truck might be less efficient on fuel, but the lower price point could mean it is cheaper to drive. Manual or automated? This is more of an individual choice. There's not much cost difference between the two, although certain vehicles may come with either one or the other. 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 considered the bigger aspects of owning a truck look into the specific models and trims. These will help you get an idea of the budget you'll be looking at. And when you know this, you'll be able take a taxi at a reasonable interest rate.
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Written by personal and business finance Contributor Kellye Guinan is a freelance editor and writer who has more than five years of experience in personal financial planning. She's also an employee full-time at her local library where she helps the 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 from late 2021. They are committed to helping readers gain the confidence to take control of their finances through providing clear, well-researched information that dissects complicated topics into digestible pieces.
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