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4 min read Published October 13, 2022
Writen by Rebecca Betterton Written by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She is a specialist in helping readers in navigating the ways and pitfalls of taking out loans to buy the car they want.







The edit was done 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 take control of their finances by providing precise, well-studied information that breaks down complicated subjects into bite-sized pieces.









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The most important thing to leave the lot happy with the purchase is to be able to identify the best inquiries to make. To advocate for your wallet and your needs, you must prepare with a list of hard questions, and be ready to leave in the event that you don't receive satisfactory answers. Otherwise, you may not get the best deal when buying a vehicle. There are questions to ask every car dealer, regardless of whether you decide to buy the car new or second hand, here are three top general questions to ask your dealer before you go to meet them for a handshake. Do I have the opportunity to test drive the car? It's difficult to tell if a vehicle is suitable for you until you alter the seat and get a feel for the handling capabilities. Pay special attention to how the brakes feel and see if the vehicle able to meet your needs and routines of daily life. If you are able to, ask the dealer if you are able to bring it to your garage or parking spot to check if it is the way you want it to. Some dealers may allow you to store the vehicle for a few hours to see how it performs on your day-to-day routine. What is the warranty for the car, if any? Warranties can cover certain damage caused by the vehicle and wear and wear and. For new cars, manufacturers warranties cover more serious issues however you'll still need to cover regular maintenance. Some newer used cars may still have their original warranty or new one if you decide to buy certified pre-owned (CPO). If a warranty is in place, you can save a significant amount on future repairs, based on how extensive it is. If there's not any warranty, it's worth looking into whether extended warranties or gap insurance are options. However, these can be costly and are often not required, take your time evaluating your needs before asking a salesperson about it. What are additional charges associated with the purchase of this vehicle? Whichever vehicle you decide to purchase it is important to be ready to pay additional charges. In your state, you may be required to pay title transfer fees and other charges which aren't negotiable. The dealership might also have certain fees you'll have to pay. Although it may be tempting to simply finance those fees (and sales tax) -- into your loan be sure to avoid it whenever it is possible. In the end, you must avoid borrowing more than the car is worth. Taxes and fees should be paid in cash if you are able. When buying an automobile for the first time The car market continues to thrive and prices are at an all-time high. Even if you are a seasoned professional when it comes to there are some essential points to be aware of to make sure you are getting the best deal. Be sure that the dealer is able to answer these questions prior to making a decision . What are the available conditions for financing? Look for them from other lenders. If you have excellent to good credit, you'll be able find an even better rate through a bank, credit union or an online lender. Make sure you compare prequalification offers to what the dealer offers. Are there any incentives or rebates? In some instances you could qualify for incentives when you buy an automobile. This benefit generally lowers the cost of your purchase after taxes.These vary from discounts offered during certain times of the year to deals for specific categories, such as veterans or students. What is the documentation fee for this car? The documentation fee or "doc fee" is the cost that dealers charge to pay for signing the contract for you. Contrary to some of the fees associated with a new vehicle purchase The documentation fee can't be bargained. Certain states place a cap on the amount dealers are allowed to charge. If you're in a state that doesn't, it can cost you up to $600 . What questions should you ask before buying a used car Despite the price increases for used cars due to shortages of inventory The purchase of used cars comes with its perks. Still, it can be more risky when you aren't aware of the past of the vehicle. If you intend to there are certain questions you can ask to ensure that you are getting a vehicle in good condition. Was this car involved in any accidents? The cause of all accidents cannot be found in a vehicle history report, so you should ask outright if your potential car has been involved in incidents and how it was repaired. Ask about how long ago the incident occurred, and if there were any subsequent repairs related to it. What number of owners has this vehicle been through? Ideally, you'd like a used car that had at least one or two satisfied owners, not a vehicle that was passed around to several drivers. A vehicle with a lengthy ownership history can be a major red flag that the vehicle is in need of repair. problems that need to be addressed. Also, you should inquire as to how the dealer acquired the car. A trade-in may not have the full history , but the previous rental may have been regularly maintained -- in the event that it is driven with more force than a privately owned vehicle. Do I need to have the vehicle checked through my service technician? Asking for a is an excellent final step in your inquiry process but be sure to only ask if you know you want the vehicle pending the outcome of the inspection. It can assist you in determining the confidence of the dealer in the vehicle . Having an experienced pair of eyes to check the vehicle will assure you that you're getting the best you are paying for. The main point is that aside from conducting your own research about the type of vehicle you want and shopping around to find the most affordable financing, you must be aware of the questions you should ask prior to going to the dealership. Go to the dealer with a specific plan as well as a list of right questions to ask. Also, you'll have the information needed in order to take an informed decision, whether it's signing on the paper or leaving in search of an alternative that is more affordable. Learn more


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Writen by Auto Loans Reporter

Rebecca Betterton is the auto loans reporter for Bankrate. She specializes in assisting readers in navigating the ins and outs of securely using loans to buy the car they want.



Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain confidence to manage their finances by providing precise, well-studied facts that break down complex topics into manageable bites.






Auto loans editor




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