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What You Should Know Before You Buy An SUV

Feb 6, 2008
In addition to a house, buying a new vehicle is another choice people will make in their lifetime. If you don't have the money upfront to buy it outright, then you'll be spending hours at the dealership trying to negotiate the best deal for you. It's no different if you're looking to get an SUV, or sport utility vehicle.

SUVs usually cost more than regular compact vehicles. There are several things to consider if you are looking to purchase one. First, you must determine if you really need an SUV at the present moment. Will you need it just for yourself or will you be transporting others? This can determine what kind you will get.

It's nice to want the larger SUVs, but keep in mind, if you won't be using it to transport people or lots of items at least a few times a month, then you should forego it. That's not to say that you can't ever get one. However, you have to think about the other costs involved when purchasing a big ticket item. You can't look to impress others if you can barely keep the vehicle fueled up and keep it regularly maintained.

You should know how much you want to spend on an SUV; rather how much you can spend on one. Just because you may be able to afford a large one doesn't mean you have to get it right away. You have to take fuel costs, maintenance and future repairs into consideration. Your vehicle will eventually need repairs later from wear and tear.

With fuel costs, you have to spend more money for SUVs because their tanks are bigger. Depending on how much you drive, you may have to fuel up several times a week. You must also take into account gas prices, which can increase or decrease.

In addition to the above, you have to figure out costs for license plates and stickers for your SUVs. It usually costs more if you have a larger one. This is not a one-time fee either; this fee is due every year. Upon your purchase, the dealer includes taxes on the vehicle. Before you leave the dealership, you must have auto insurance. The newer the vehicle, the more you will have to pay.

If you don't have all the cash upfront, you will have to finance. One of the easier ways to finance is to go to your banking center or credit union and get a loan from them. That way, you'll already know what you'll be paying. If you get it financed through the dealership, forget about them looking out for you. It rarely happens, if ever. They want to get as much money out of the deal as possible. You can avoid this headache if you're able to get a loan from your financial institution or pay it full yourself.

It can be to your advantage to have someone accompany you to the dealership. It can be someone who may have some knowledge about purchasing vehicles. This will help you a great deal. They can also help you from getting yourself into something you may regret later. If the deal is not right for you, then by all means, pass on it.

Don't be in a hurry to purchase an SUV. Take your time so you will be pleased with whatever you get. If you have to come back later, let the salesperson know. Also, don't allow the salesperson to pressure you into getting something that you're not ready for. They're looking to get that commission. If you're not satisfied with the dealership, go to another one. There are many dealerships that would be happy to serve you.

When you find that SUV, you'll be happy that you waited. You won't have any nightmares wondering about whether you can pay for it or not because you'll have a peace about it.
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