5 Things you should know before buying a new Car

Just like any other important purchase or investment, buying a car can be exhausting, especially if is your first car, but even though the car buying process is generally simple, do your due diligence, calculate your budget, and negotiate properly is necessary to make a smart purchase. 

At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross,  we will share some new-car buying advice that could just save you money and they'll also make the process quicker and stress-free:

1. Research cars and pick the features you want:

If you aren´t sure what car you want yet, the Edmunds app and others website have just about all the information you need, including expert and owner reviews. Those sites will help you determine which make and model is best for you, allowing you to compare safety performance with gas consumption and overall cost. 

2. Get pre-approved for a car loan:

Once you have an idea of exactly the kind of car you want, you also know exactly how much of a loan you’ll need to finance it. Visit your bank and get yourself pre-approved for a car loan and then you can compare to the dealership's financing, which might actually have the lowest annual percentage rate. 

To begin the loan-approval process, have at hand your employer and salary information and balances of other debt you may have. 

3. Don’t focus on lowering your monthly payment:

You have to keep in mind that too much emphasis on lowering your monthly payment will ultimately cost you thousands of dollars more in interest and will extend the life of your loan. 

4. Test-Drive the Car:

If you've decided on a few car candidates. You should see them in person before making a decision. Get behind the wheel of those two or three models you're considering to find out which ones are as good in the real world. Once you've decided which model you want, take a long, thorough test drive on main roads and highways at a variety of speeds in the exact vehicle you plan to purchase. Leaving the radio off and the windows up, pay special attention to visibility, seating position, ease of ingress and egress, noise in the cabin, and the feel of the ride.

5. Close the Deal: 

If the price, financing and fees look right, it's time to close the deal. Once you've agreed on a price, the salesperson will take you to the finance and insurance office. Here, you'll sign the contract and purchase any of additional products, such as an extended warranty. Review the contract carefully and make sure the numbers match the negotiation. Be sure there are no additional charges or fees. A good finance manager will explain each form and what it means. 

Remember that a car insurance policy may help protect your wallet, your vehicle and even offer peace of mind. Contact us for more Information, At GUARDIAN INSURANCE AGENCY located in Fairburn, Lagrange and Norcross, we can help you choose the coverage that's right for your needs.

For more Information contact us: (706) 884-5006 or (770) 969-5666

Please visit us: www.go-guardian.com