A Car Shopping Plan Can Save You Thousands at the Dealer

A Car Shopping Plan Can Save You Thousands at the Dealer

Purchasing a new vehicle is a big commitment, but having a solid plan can make all the difference. By taking the time to research, test drive, and negotiate, you can find the perfect car that meets your needs and budget. Follow the six steps below to create a car shopping plan that will help you drive away in style.

Step 1: Determine your budget

Knowing your budget is crucial when shopping for a car. Determine how much you can afford each month, including insurance, gas, and preventative maintenance. Make sure to give yourself a little wiggle room, as well, in the event you need an unexpected car repair.

Step 2: Research different models 

Research different car models to find the one that meets your needs and budget. Look at features, prices, and reviews to better understand what each car offers. 

Think about your lifestyle and what you need in a car. Do you require a lot of space or want more fuel-efficient? Responsible car buying means examining each aspect before coming to a decision.

Step 3: Test drive possible vehicles

Test driving is essential to ensure that you find the perfect fit. Take the time to drive different models and see how they handle. Sit behind the wheel and in multiple locations. Also, practice opening the truck, switching gears, and lifting the hood. You’ll know if you enjoy the car, or not, once you put the vehicle into motion.

Step 4: Negotiate the price

Don’t be afraid to negotiate the price. Research the average value of the car you intend to buy and use that as a starting point. You could save thousands of dollars by discussing your options. 

Also, be confident. Don’t go into the talk with wishy-washy speech. Stand or sit tall, and use an even, assured tone. 

Step 5: Consider your financing options

Consider financing through a credit union to obtain the best deal. For example, Achieva Credit Union has reduced auto rates and quick approvals. You can view all the details at www.refiandride.com

Compare and get pre-approved before stepping into the dealership. You skip the financing hassle and have a higher chance of getting the car of your dreams at a better rate.

Step 6: Ask final questions

Make sure you read and understand everything before signing any paperwork. Ask any final questions about your new car’s warranty and coverage. Listen to your gut if you need to pause and think about it. A clear-headed decision is much better than a quick one.

Finalizing your car shopping plan

Once the elements above are in place, you can finalize your car shopping plan. Remember to research, test drive, and negotiate for the best advantage at the dealership. With patience and a solid strategy, you’ll make a deal that you’re proud of to purchase the vehicle you love.


Need more financial content? Continue following the Achieva Life Blog for additional budgeting and lifestyle articles.


Achieva Life blogs and articles are intended to provide general information, thoughts, and articles in regards to the topics covered therein. Achieva Life is provided with the intent and understanding that Achieva Credit Union is not engaged in the act of rendering financial, consulting, medical, technological, legal, accounting or any other professional advice. The information provided within Achieva Life is not intended nor should be used as a substitute for medical, legal, or other professional advice or other expert opinions. Achieva Credit Union is not responsible for the accuracy of the information on Achieva Life and makes no representation regarding the accuracy of the content. Achieva Credit Union reserves the right to delete or block any comments. The content and comments on Achieva Life do not necessarily reflect the views of Achieva Credit Union.