Large outdoor fountain in front of Philadelphia skyline during Summer

Tips For Buying A Car in Pennsylvania – Plymouth Rock Assurance

A valuable asset, your vehicle transports you wherever you need to go and is a purchase you’ll use for several years. When you’re ready to replace your car, consider these tips. They ensure you buy a reliable vehicle you can afford in Pennsylvania.

Research the Car you Want

You may have an idea of the make, model and style of car you want or feel overwhelmed by all your options. Consider factors like reliability, safety, passenger room, and fuel efficiency as you select the right car for your needs. Then search online to find cars that match your criteria.

Determine Your Budget

Only choose a car you can afford. Ideally, you want to spend less than 25 percent of your monthly income on your vehicle expenses. Remember to calculate the monthly payments, car insurance, maintenance, and fuel as you determine a vehicle’s cost.

Choose New or Used

If you buy a new car, you get the latest technology and probably a long warranty. However, used cars often include a lower price tag. Weigh your options carefully as you make the best choice for your family and budget.

Plan to Buy or Lease

You can choose to purchase a car outright or lease it from a dealership. Research both options and discern the right choice for your needs now and into the future.

Secure Financing in Advance

Before you test drive even one vehicle, figure out the financing details. While you can obtain a dealership loan, you may be eligible for a lower interest rate when you borrow from your bank, a community credit union or online lending source. After you secure financing, use the quote as leverage when negotiating with the car seller.

Take a Long Test Drive

The test drive gives you insight into how the car handles and ensures it meets your needs, so take a long test drive when you’re relaxed and able to focus.

•Sit in the car and check that you can comfortably reach the pedals, see out of the mirrors and adjust the controls.
•Verify that the car handles easily on hills, around turns, in traffic, and on the highway.
•Test the brakes, accelerator and other features.
•Check that you have enough space for your family and cargo.

Negotiate Terms

Whether you purchase from a dealer or private owner, prepare to negotiate, counter offer and get the best possible deal. Instead of agreeing to the list price, start your negotiations at the invoice price, which is what the seller paid for the vehicle. Also, ask for discounts based on the car’s condition, model or features, and ask the seller to pay the transfer fees or throw in a full tank of gas, delivery and detailing. When you negotiate with confidence and are willing to walk away from a bad deal, you can successfully negotiate favorable terms.

Review the Final Deal

Before you sign paperwork to buy your new car, review the paperwork carefully and be sure you agree to all the terms. Read the list of extras like a maintenance plan, extended warranty or paint protection, too, and ensure you understand what each charge covers or decline anything you don’t want. Take your time reviewing the deal because you can’t change your mind after you sign the contract.

Use these tips to make buying a car in Pennsylvania less challenging. They will equip you to purchase the right car for your budget and needs.

Call 855-993-4470, get your free quote online, or find an agent to learn more about tips for buying a car in Pennsylvania. Visit our contact us page if you need to call us with additional questions.