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9 steps to buy a car online Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by offering you interactive tools and financial calculators that provide objective and original content, by enabling you to conduct your own research and compare information for free to help you make informed financial decisions. Bankrate has agreements with issuers such as, but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are displayed on this site come from companies that compensate us. This compensation may impact how and when products are featured on the site, such as for instance, the order in which they may be displayed within the listing categories in the event that they are not permitted by law for our mortgage or home equity products, as well as other home loan products. But this compensation does have no impact on the content we publish or the reviews that appear on this website. We do not cover the vast array of companies or financial offerings that could be open to you.

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7 minutes read. Published on August 23, 2022.

The story was written by Naomi Mannino Written by Contributing writer

Naomi Mannino is a contributing writer for Bankrate. Naomi is a writer on loans and banking.

Edited 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 take control of their finances through providing concise, well-researched, and clear information that break down complex topics into digestible chunks.

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The purchasing of automobiles online has exploded among Americans. And it’s a development that’s likely to continue. As an informed consumer it’s important to know how to get the most effective bargains on cars when you shop on the internet. There’s an easy way to access the vast amount of information to help with the process of buying online. The Manufacturer’s Recommended Price (MSRP) and trade-in value as well as financing, incentives inventory, expert reviews and reviews from customers Every detail you need is easily found online. Utilize all of the information available to make an educated decision when shopping. 1. Make a budget. The first step is to decide the amount you will spend. This means calculating both periodic and one-time costs. Fuel, and your down payment are all factors to the purchase price and ongoing monthly cost associated with owning a car. Your should also take into account the interest rate you be paying since it will have the biggest influence on your monthly installment and total cost. Buyers with better credit scores are higher rates than those who have lower credit scores. Bankrate’s tip: Experts recommend having at minimum a 20 percent down payment and spending not more than 10% of your monthly budget for all car expenses, including the maintenance cost and any insurance. 2. Pre-approved for a loan to get the most favorable bargain on the car loan look into your options, and then talk to a lender prior to approaching any dealerships on the internet or in person. Credit unions, banks, and online lenders offer preapproval times that permit you to see your potential interest rate and monthly payment so that you can make an informed decision when shopping. And when you have preapproval, you can use it to leverage your loan . Dealer financing involves big markups and a loan online is the first step to ensure to get the best price. “When you’ve reached an agreement on a price, show the dealer the financing you have secured and ask whether they can beat the rate,” says Matt DeLorenzo who is the editor in chief for Kelley Blue Book. “Sometimes dealers have little-known incentives attached to manufacturer-sponsored financing, which could save you money.” Bankrate tip: By prequalifying for a loan in advance, you’ll know your interest rate, which plays a significant role in how much your monthly payment will be and the total cost over the life of the loan. 3. Find the perfect vehicle for you. Most people use the internet to determine and find out the most information possible about the car’s make, model and options. Websites provide expert reviews and articles on hundreds of cars, describing the top vehicles that are suitable for various types of lifestyles, according to CarGurus Deputy Editor Matt Smith. “And thanks to YouTube, consumers do not have to go to the vehicle lot in order to have a look at cars that interest the them.” Smith says. You can conduct the majority purchases online and cut down on time spent on the car lot. And in some cases, dealers provide completely online purchasing processes, although it may not come with the ability to negotiate price. Bankrate’s tip: It could still be a good idea to see a car in person prior to signing a sales contract. Contact the dealership and request an agent to take photographs of the vehicle for you, but you should always take a test drive and mechanic inspection prior to buying. 4. Research the value of your trade Knowing the value of your trade and being open to other ways of liquidating your used car can provide more money towards the new car’s purchase price. It is possible to trade in your car at the dealer, but know how much it will sell for before accepting an offer. Most people search Kelley Blue Book or Edmunds to assess the value of their used vehicles. Furthermore, car shopping and research websites like CarGurus make use of algorithms to determine the expected trade-in value of cars based on their characteristics including its age as well as its mileage, location, and features. There are three common ways to sell your used vehicle — and you can do it online, too. You can trade in your old car at a dealership regardless of whether you plan on purchasing from it. You may also receive an offer to purchase your vehicle by via this Instant Cash Offer feature on AutoTrader.com A website that allows purchasing and selling new and used vehicles with participating local dealers. Sell it yourself privately for cash. Search your make and model online to determine the price and availibility on sites such as eBay or Craigslist. Sell your car to a used-car dealer such as CarMax or Carvana. Get a guaranteed cash price and then compare it to what you’ve found online. Bankrate advice: Don’t opt for the convenience and sell your old vehicle at the dealer where you’ll most likely get the least amount. Find quotes and use them to use as negotiation leverage. 5. Look for local inventory. If there’s a small amount of the vehicle you’re looking for on dealer lots There’s less of a chance you’ll find a bargain So, make sure you look into the local dealerships’ inventory in stock. Call a variety of dealerships to ask about availability of the car you have in mind. Beyond dealerships that permit you to fill out your application online, you should look at private sale. There are many websites which help sellers and buyers connect. You may be able find an excellent deal without having to go through the dealer entirely. You may also want to consider shopping with mixed in-person and online dealers like TrueCar. This way, you can easily browse inventory at both the local and national levels to make your search as broad, especially if you would like to purchase a specific pre-owned model. Bankrate tip: Look for vehicles with at least the VIN (vehicle Identification Number) in the listings and photos that show the exact vehicle that is sold rather than stock photos. 6. Contact local dealerships for prices. Once your online research is completed and you have found a dealership, call them for price quotes via the internet. Many dealerships now have departments dedicated to sales via the internet, and regardless of whether you send an email to the online sales department or fill out an inquiry form on the site of the dealer it is best to contact someone with the power to quote you a price. “The greater the number of quotes that you receive the greater influence you’ll have in concluding an agreement,” states Quincy, of Consumer Reports. “But be aware that many dealers are going not be willing to offer the best price without a guarantee that you’ll buy at their prices.” Bankrate’s tip: Be as specific as you can with your model, make, and other options and inquire with several dealers for their best deals. Compare them with the research price ranges as well as each other to decide the most suitable one. 7. Evaluate trade-in value and financing After you’ve reached an agreement on a price with a few dealerships, discuss the trade-in value and financing. Just ask the dealer to make the most favorable price for your trade. “Trade-in valuations have risen dramatically between the years 2020 and 2021. If a buyer is looking to buy new vehicle and also has a pre-owned vehicle that they want to sell, they should be aware of the price that the dealership is willing to offer,” says Smith, of CarGurus. And prices have continued to rise for used cars, which means you may get an even better bargain in 2022. You can also mention AutoTrader.com’s trade-in value at participating dealerships. Once you receive quotes to trade your vehicle, review them and choose if you’ll take a dealer’s trade-in price, privately sell or consider an offer made by an used-car dealer like CarMax. Be sure to inquire about rebates and financing incentives. If you have a voucher or preapproval from your lender or bank, you may refer to them as being a cash purchasereliminating financing and cost of the downpayment out of the equation that profits the dealer. Ask the dealer if they can offer you a better deal. Bankrate tip: If you qualify for , evaluate any other rebates or incentives before accepting the deal. It might appear to be a better offer on the surface however, you could pay less in interest with an alternative lender that has lower fees. 8. Negotiate online If none of the price quotes you receive fall within your range between the fair market value and the invoice price, you may use these two numbers to ask dealers for their best price. “It’s recommended to first inquire what the dealer’s top offer is. You aren’t required to divulge any details of other offers or negotiations that you’re in with another dealer, unless it’s to benefit you,” DeLorenzo says. “Use those figures to ask whether the dealer could beat other offers. If not, remember you are in charge and you can relocate your business to another place.” Make sure the price estimates are detailed in an email and remember to inquire if any additional fees are withheld or included. Items such as “customer service charges” -that are a matter of negotiation and can be removed -they can add thousands to the total cost. If one dealer gives you a price that you like, you can email the quote to another dealer to get competing bids, especially when you are aware of the details of each quote. Bankrate tip: Never quote your monthly payment budget to a car salesperson. That allows the dealer to pack everything they can into your quoted payment and still meet your budget. Focus on the overall cost and use it to negotiate for your vehicle. 9. Sign and drive By now you should be working with the dealership which offers the vehicle you wish to purchase and offers you the most favorable deal. At this stage, you may still have to visit the dealership to sign the sale bill, sign any financing paperwork and pick up your keys and car. But many dealerships are also currently delivering vehicles and other paperwork directly to your doorstep which allows this final process to be completed at your home. Whatever route you take, look over the final contract carefully. Check all of the numbers and ask for explanations of any additional fees or documents for fees that look questionable. Set up an appointment with a mechanic to check the car over even if it’s brand new. Do not complete any paperwork until you’re sure that the finance and car are the one you’re looking for. Bankrate’s tip: Finance and insurance agents may attempt to sell you add-ons however, be firm in declaring “no,” and only add something to your if there is no better way to get the option or service. The bottom line Buying an automobile online — or performing the majority of the research on the internet prior to visiting a dealer — will save you time and money. Find out the current prices, look up the national and local inventory and compare prices for current vehicles and prepare yourself for negotiations. Making use of the vast amount of information accessible on the internet to your advantage could eliminate much of the anxiety of purchasing a new car. Find out more

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Written by a contributing writer

Naomi Mannino is a contributing writer for Bankrate. Naomi writes about loans and banking.

Editor: Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping their readers feel confident to manage their finances with concise, well-researched and well-researched content that break down complex subjects into bite-sized pieces.

Auto loans editor

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