Have you asked yourself the right questions before shopping for a car?

1. What kind of car do you want? A new car often times comes with a warranty, but may also be more expensive. A used car can be more affordable with less depreciation, but can come with higher maintenance costs. If you are buying a used car, don't forget to research the car's repair history on AutoCheck.
2. What is the true cost of a car? Be sure not to overspend. 25% of people owe more on their vehicle than the car is worth. A good guideline to use is to spend about 15% of your gross monthly income. Remember that the car payment isn't the only money you'll be spending. Take into account registration, insurance, gas, and maintenance.
3. What are your financing options? When it comes to credit score, higher is better. A higher score means a better interest rate and terms. If you are denied for a car loan, a co-signer may be able to help. Keep in mind that co-signing for a loan affects the co-signer's credit score also. Get preapproved! This helps you determine a budget and monthly payment, and eliminates any surprises on your credit report. Or, ask for Veridian financing at the dealership.

Tips for shopping at the dealership:

1. Do not buy impulsively. Be logical, and take the cost of the car into consideration.
2. Shop with a friend. Bring another perspective with you.
3. Do research before heading to the dealership. Bring some background knowledge with you so you know where to start looking.
4. Take a long test drive. Don't be afraid to get a feel for the car before making a commitment.

For more tips on the car-buying process, check out our How to Buy a Car video series.

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