Set a budget (purchase price, taxes, fees, insurance, maintenance, fuel)
Decide whether to buy new or used
Determine your must-haves and deal-breakers (mileage, features, drivetrain, cargo space)
Check your credit and get pre-approved financing (if needed)
Research vehicle options (reliability, common problems, resale value, fuel economy)
Compare total cost of ownership (insurance, repairs, tires, fuel, expected depreciation)
Find vehicles (dealers, private sellers, certified pre-owned, online listings)
Verify the vehicle’s history (VIN check, accident records, title status, service records)
Inspect the car (paint, tires, brakes, lights, fluids, rust, interior condition)
Test drive in different conditions (highway, city, hills; check steering/braking/suspension)
Have a trusted mechanic perform a pre-purchase inspection (especially for used cars)
Confirm paperwork (title, bill of sale, lien status, warranty terms, recall status)
Review the listing and match it to the exact vehicle (VIN, options, mileage)
Negotiate the price (use comparable listings and inspection findings)
Ask for the full out-the-door price (itemized fees, taxes, registration, add-ons)
Read and understand the purchase agreement (loan terms, APR, term length, fees, return/cancellation policies)
If financing, confirm the final loan details (rate, payment, payoff amount, early payoff terms)
Ensure warranties are documented (powertrain, bumper-to-bumper, extended warranty coverage)
Confirm registration and plates timing (who handles what, when you’ll receive them)
Arrange insurance before purchase (or verify coverage start date)
Make payment using secure methods (check, bank transfer, cashier’s check; avoid cash)
Collect all documents (title/transfer paperwork, bill of sale, warranty booklet, manuals, service records)
Transfer ownership and register the vehicle promptly
Keep records of maintenance and repairs
Perform an initial maintenance check (fluids, tire pressure/alignment, brakes, filters)