Buying a Car
Thinking about getting a new ride? Awesome.
We’ve got car buying advice to help you get a good deal on your next vehicle. From car shopping tips and how to choose the right auto insurance coverage to finding trusted auto maintenance and repair services, this is your guide for navigating the car buying experience.
Set a Budget
That new car you're eyeing isn't going to pay for itself, so carefully consider all costs associated with car ownership.
How much should you spend?
Try to keep your car payments to less than 15% of your monthly take-home pay.
And, here are some additional tips and tools to help you find a car that fits your needs and budget:
Pre-qualify for a Car Loan
Why? Securing a pre-qualified bank loan will help you know how much car you can afford and it makes negotiating with the dealership a bit easier.
When you’re ready to buy, we’re here to help:
State Farm Bank® Vehicle Loans
You can also access and pay your vehicle loan account with our State Farm® app.
Insure Your Investment
Save Money on Your Car Insurance
Keep Up with Maintenance & Repairs
Regular maintenance and repairs are an unavoidable part of car ownership. Before buying a car, you need to know how much it will cost to maintain and repair over time.
Openbay takes the hassle out of finding and booking service for car maintenance and repairs.
State Farm ® Mobile Apps
State Farm® Mobile App
Take care of insurance and banking with ease, get roadside assistance, file claims, and more.
Enjoy a Better Car Buying Experience
Much like purchasing a new car, if you’re buying used, take the time to carefully research and shop for the vehicle you want. It’s also important to know that the car you’re considering is reliable, affordable to maintain, and has a clean title.
Here are a few more do’s and don’ts to consider when buying a used car:
Check the vehicle history report. Get a detailed report of the car’s history from sites like Carfax or AutoCheck using the VIN (Vehicle Identification Number). This report will tell you if the car has a clean title, if it’s been involved in a serious accident, the number of previous owners, and more.
Get an inspection. You may pay $100 or more to a mechanic for a pre-purchase inspection, but it could potentially save you thousands later in repair bills.
Go CPO. Certified pre-owned vehicles undergo a detailed, multi-point inspection and reconditioning process, and come with a manufacturer-backed warranty. You may also get a lower APR on the CPO car, which can help you save money over the life of the loan.
Whether you’re buying a new car or used, we’re here to help life go right® with auto insurance, and money-saving discounts like Drive Safe & Save and Steer Clear. Don't forget about vehicle loans from State Farm Bank that offer competitive APRs.
 State Farm Bank Payoff Protector is automatically included as a provision of all newly issued vehicle loan promissory notes. Payoff Protector is not an insurance product. Subject to the terms, conditions, and restrictions of the Payoff Protector provision in your State Farm Bank Promissory Note and Security Agreement. If your vehicle is determined to be a total loss before the loan is paid off, State Farm Bank will cancel the difference between the insurance payout and the unpaid principal balance due on the loan. Certain restrictions apply. For example, your loan must be in good standing.
 Based on 2016 written premium as reported by SNL Financial Data.
 State Farm Rewards credit will be applied: $20 to the first service booked and completed through the Openbay platform, $20 to the second service booked and completed through the Openbay platform. Rewards cannot be combined for use toward a single service or multiple services within 7 days of each other. This promotional offer is limited to State Farm customers, visitors to Statefarm.com, participants of any promotional campaign originating from State Farm and who are first time Openbay account holders in the US. State Farm and the State Farm logo are registered trademarks of State Farm Mutual Automobile Insurance Company. Products and services offered at openbay.com are offered by Openbay. State Farm does not warrant the merchantability, fitness, or quality of the products and services offered by Openbay. If you have questions about the potential applicability of your insurance coverage please contact your State Farm Agent.
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State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, any third party products or the content of any third party sites referenced in this material. State Farm has no discretion to alter, update, or control the content on the third party sites. Any references to such sites are provided for informational purposes only and are not a solicitation to buy or sell any of the products which may be referenced on such third party sites. State Farm does not warrant the merchantability, fitness, or quality of the third party products referenced in this material.
State Farm Bank ("Bank") is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type or credit or service offered by visiting statefarm.com® or by contacting the Bank at 877-SF4-BANK (877-734-2265). If you are deaf, hard of hearing, or do not use your voice to communicate, you may contact us via 711 or other relay services. To apply for a Bank product, you may also see your participating State Farm agent.