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Some ways to save on a new car purchase include researching and comparing different cars, negotiating a lower sale price, trading in your current vehicle and buying your car at the end of the year.
Like buying a car, leasing will sometimes require a down payment. Like an auto loan, you will make monthly payments on a leased car. However, lease payments tend to be lower than auto loan payments because you are not building equity in the vehicle. Another difference between buying and leasing is a leased car’s annual mileage limit. You may be charged if you exceed the annual mileage limit, which is usually between 12,000 and 15,000 miles. At the dealership, you may negotiate the down payment, monthly payment amount and mileage limit, along with other terms of the lease.
Leasing a car may be a good option if you only need a car for a short time, you like to drive a new car every few years or you would like to drive a car that is more expensive to purchase outright.
While there are many different types of car warranty, they are all intended to protect you from having to cover all of the costs when your vehicle malfunctions.
Types of coverage include liability, personal injury protection, collision, uninsured/underinsured motorist and comprehensive coverage. Liability coverage is the minimum amount of coverage required in most states.
Car insurers will assess your risk factors as a driver. The higher the risk, the more you will have to pay for your monthly premium. If you live in an area with a high population and frequent car accidents, your premium may be higher. If you are young or have not been driving for a long time, your premium may also be higher. Other factors an insurer will consider include your vehicle type, your marital status, your driving record and your annual mileage, among others.
One way to save on auto insurance is to shop around and compare costs from different insurers. Another way is to look for insurers that offer discounts. Insurance discounts may be available for students, military personnel and drivers with a good driving record. You may also be able to get a discount for taking a defensive driving course, bundling your car and home insurance or insuring multiple vehicles with the same insurer.