Questions to Ask When Buying a Car: New and Used Car Buying Checklist

Article overview

The car buying process can feel overwhelming, but it doesn't have to be. Whether you're focused on buying a used car or a brand-new one, making a smart purchase comes down to having the right information. Asking the right questions before you sign any paperwork can save you a significant amount of money, help you spot potential problems and give you peace of mind as you drive off the lot.

This complete car buying checklist is designed to help you navigate every step with confidence. We'll cover the most important questions to ask when buying a new car or a used vehicle. Plus, you’ll find helpful resources inside, including:

• Questions to ask when buying a used or new car
• Effective negotiation tips to get the best price
• Simple financing advice to understand your options
• A printable quick list to take with you to the dealership

Quick car buying checklist

✅ Used Cars: history report, mechanic inspection, title status, accident/flood check, wear and tear, test drive results
✅ New Cars: incentives, warranty details, safety features, add-on costs, depreciation
✅ Both: financing terms, total ownership cost, recall status, extended test drive

Questions to ask when buying a used car

Buying a used car is a great way to find value, but a smart purchase depends on knowing exactly what you're looking at. Adding these key questions to your used car checklist will help you gather the information needed to make a confident decision. These are the most important questions to ask when buying a car from a private seller or a dealership.

1. Can I see the vehicle history report?

This report is a must-have. It provides crucial details like accident records, title status (e.g., salvage, flood) and verified odometer readings. Before you do anything else, confirm the Vehicle Identification Number (VIN) on the car matches the one on the report.

2. Has an independent mechanic inspected the car?

A pre-purchase inspection is your best defense against hidden problems. A trusted mechanic can spot issues you might miss, such as potential trouble with the transmission, brakes, engine or suspension. This step alone can save you from costly future repairs.

3. Are there any known issues I should be aware of?

Ask this question directly. Inquire about any existing problems, no matter how small. Specifically mention common concerns like oil leaks, rust spots, strange noises, smoke from the exhaust or any electrical components that aren't working correctly.

4. What common wear and tear should I expect soon after I buy

Even a well-maintained car will have parts that wear out. A visual inspection can tell you a lot:

• Tires: Uneven tire tread wear can point to alignment problems.

• Brakes: A squealing or grinding sound from the brakes often means they need to be replaced soon.

• Belts and hoses: Check for cracks or signs of aging on all belts and hoses.

5. Is the title "clean"?

A "clean" title means the car is owned free and clear, without any liens from a bank. It also confirms the car has not been branded as "salvage," "rebuilt” or "flood damaged," which can severely impact its value and safety.

6. How does it feel on the road?

The test drive is your chance to see how the car performs. Pay close attention to how it accelerates, shifts gears, brakes and steers. Does the car pull to one side? Do you feel any unusual vibrations? These can be warning signs that signal a need for repairs.

Questions to ask when buying a new car

Buying a new car can provide you with the latest technology and peace of mind, but it’s important to ask the right questions to get the best value. While you won't have to worry about a previous owner, focusing on price, features and long-term costs is crucial. Add these items to your new car checklist to ensure you cover all your bases.

1. What rebates or incentives are available?

Manufacturers often have special offers, such as cashback deals or low-interest financing. Be sure to ask what's currently available for the model you want. It's also wise to compare these offers with financing options from your own bank or credit union.

2. What is the "out-the-door" price?

The sticker price (MSRP) is just a starting point. The "out-the-door" price includes all taxes, registration fees and dealership charges. Asking for this total figure helps you understand the true cost and avoid surprises.

3. What does the warranty cover?

New car warranties can vary. Ask for specifics on what's included in the bumper-to-bumper and powertrain coverage. It’s also helpful to know if the warranty is transferable, which can affect resale value down the road.

4. What safety features come standard?

Modern cars offer many advanced driver-assistance systems. Find out which features are standard on your trim level. Key ones to look for include automatic emergency braking, blind-spot monitoring and lane-keeping assist.

5. How well does this car hold its value?

Depreciation is one of the biggest costs of owning a new car. Some models hold their value much better than others. Understanding a car's expected resale value is important, especially if you plan to sell or trade it in after a few years.

6. Can I get an itemized list of add-ons?

Dealerships may offer optional extras like extended warranties, fabric protection or VIN etching. Request a detailed list of these items and their costs. Many of these add-ons are negotiable, and you can often decline the ones you don’t need.

Smart questions for both new and used cars

Whether you're at a dealership for a new car or looking at a used one from a private seller, some questions always apply.

• What will my monthly payment and Annual Percentage Rate (APR) be? Understand the complete auto loan terms, including the total interest you'll pay and if there are any penalties for paying it off early.
• What is the estimated total cost of ownership? Look beyond the purchase price. Factor in ongoing costs like fuel economy, insurance premiums and average maintenance expenses.
• Is the car clear of any recalls? Use the car's VIN to check the National Highway Traffic Safety Administration (NHTSA) website for any open recalls.
• Can I take it for a longer test drive?
  Test at highway speeds, stop-and-go traffic and bumpy roads.

Negotiation and online buying tips

Whether you're at the dealership or shopping from your couch, a smart strategy can help you secure the best deal. These car-buying tips focus on negotiation and the growing world of online car buying, empowering you to finalize your purchase with confidence. By preparing ahead of time, you can navigate pricing, trade-ins and digital storefronts like a pro.

Master your negotiation strategy

Getting a fair price often comes down to preparation and a willingness to negotiate. Don't settle for the first offer you see. Use these negotiation tips to strengthen your position.

• Get multiple quotes: Contact several dealerships to get competing price quotes on the same make and model, and tell them you are getting quotes from others. When dealers know they are competing for your business, they are more likely to offer a better price. This simple step gives you powerful leverage.

• Know your trade-in's value: Before you even discuss a trade-in, research its value. Use online tools to get an estimated market value for your current vehicle. A dealer's offer might be lower than what you could get from a private sale or another dealership, so having a baseline number is essential. Be sure to negotiate the trade-in value separately from the new car's price.

• Stay focused on the "out-the-door" price: It's easy to get distracted by monthly payments, but your primary focus should be the total price of the car, including all fees and taxes. Negotiate this number first and then discuss financing.

Navigating online car buying

The convenience of online car buying is appealing, but it requires a different kind of diligence. You can't physically kick the tires, so asking the right questions is more important than ever.

• Request a virtual tour: Ask the seller for a detailed video walk-around of the vehicle. This allows you to inspect the car's interior and exterior for any cosmetic issues, check for signs of wear, and even hear the engine run.

• Insist on a third-party inspection: For used cars purchased online, a pre-purchase car inspection by an independent mechanic is non-negotiable. It’s the most reliable way to uncover potential mechanical issues that aren’t visible in photos or videos.

• Confirm the return policy: Understand the terms of the return policy before you commit. Reputable online retailers usually offer a trial period (often 7 to 14 days) during which you can return the car for a full refund if it doesn't meet your expectations. Clarify who is responsible for return shipping costs and any potential restocking fees.

By applying these negotiation and online car buying tips, you put yourself in control of the process. A little research and a few direct questions can save you thousands and ensure your new vehicle is a great fit.

The right car-buying questions protect your budget and your peace of mind. Whether you’re exploring questions to ask when buying a used car or checking warranty details on a new one, take your time, compare options and walk away if something doesn’t feel right.

Don’t forget car insurance for your new vehicle.

With any car purchase, you’ll also need to consider how the vehicle will impact your auto insurance rates. Here are three factors to consider:

• Sticker price. If a car has a luxury price tag, so will the repairs.
• Type of car. If your ride has the top speed of a racecar, coverage will cost more.
• Safety features. If a car has features like automatic emergency braking or lane-departure warning systems, the coverage may be less expensive.

With any vehicle purchase, the more you know, the fewer speed bumps you’ll encounter. Conduct your research, explore your options and come prepared so you’ll have a smooth ride.