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Trying to buy a car can be stressful. How can you make sure that the car you buy will suit your needs for years to come? Do you invest in a used or new car in Shakopee, MN? To find the best car for you takes only a little bit of research and planning. Follow these steps to ensure you choose the right car for you. Assess Your Needs Ask yourself the following questions: - How many passengers do you need to transport on a daily basis?
- What type of driving do you do?
- Do you drive in ice or snow?
- Do you require specific safety features? (ex. backup camera)
- Do you have children who use car seats?
- How much garage space do you have?
Determine Your Budget You will want to think about how you plan on paying for your car. If you have cash, this is the best way to go because you will be able to avoid paying interest on loans taken out to pay for the car otherwise. However, this is not an option for most people, so you will want to look into financial institutions that will finance your purchase. Determine how much you can afford on your payment each month. Make sure to take into account car insurance and gas as well. A general rule for determining your car payment is no more than 20% of your take home pay, not your gross pay. Leasing vs. Buying Determine if you plan on leasing or buying your car. Each has pros and cons. Leasing - Leasing allows you to drive a more expensive car for a short period of time and less money.
- You will be able to trade in the car for a newer model every few years.
- You will have no difficulty in trading in your car at the end of your lease.
Buying - You can sell or trade in your car whenever you want.
- There are no mileage penalties like when you lease.
- Your car expenses will be lower over time.
Once you have determined these 3 things, find a dealership that specializes in selling new cars in Shakopee, MN, to meet your needs and wants in your next car.
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