By Justin Stoltzfus
How To Buy A New Car
Buying a new car can be both an exciting and intimidating process—it's one of the largest purchases that most individuals make. It's also very different from the type of shopping that most of us are used to, so first time car buyers often realize they have a lot to learn about the process. Follow these tips for buying a new car to ensure you're prepared to get a good deal.

  • Localize your research. You've probably heard about doing a Kelley Blue Book price check for a vehicle, but you should also look to see what people are paying for similar cars in your local area to have a better idea of what to expect when you get to the dealership. Having local data helps you to cut through some of the mystery on what a new car should cost in your community.
  • Evaluate the "extras." When you've decided on a car and begin to discuss price, this is a good time to look at any extra costs that may be associated with the purchase. Some costs, like tax and title fees, are typically fixed and non-negotiable, but they still factor into your total costs. Other costs may be associated with particular features or packages that you may not want. If you see something you don't understand, get an explanation of exactly what is included to get a clear picture of what you're paying for.
  • Research financing options before you shop. Some buyers get pre-approved for a new car loan before they ever visit the lot. Dealers sometimes go through negotiations and then use in-house financing to increase the cost of the vehicle to a captive audience. If you pre-negotiate financing options elsewhere, you'll have more than one option to consider—and a reference point for what is a reasonable rate.
  • Look out for complexity. One of the biggest red flags in new car buying is a deal that seems too complex to understand. Beware of complicated jargon, lack of line-item billing or strange fees. You should understand the factors that affect your sticker price and what's included. Don't be afraid to ask questions if you don't understand something in the paperwork.
These are just some tips to buying a new car that will help you get a good, fair deal when you visit a local dealership to get your next set of wheels.

Interested in other tools to help with your car buying process? With the Liberty Mutual Car Buying Program you can get dealer pricing information on new and used cars without leaving home. Using the Car Buying Program, customers have saved an average of $3,078 off MSRP on new cars1 and the Certified Dealers are dedicated to providing you with a hassle-free car buying experience. See how much you can save. Visit the Liberty Mutual Car Buying Program to research cars and get your Guaranteed Savings Certificate or Used Vehicle Certificate1.

1 Between 7/1/13 and 9/30/13, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites, based on users who configured virtual vehicles and subsequently purchased a new vehicle of the same make and model listed on the certificate from Certified Dealers, was $3,078, including applicable vehicle specific manufacturer incentives. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing. Your actual purchase price is negotiated between you and the dealer. Neither TrueCar nor Liberty Mutual sells or leases motor vehicles.

You need not be a Liberty Mutual policyholder in order to be eligible for this offer.

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