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Smart tips for car buying
Consider these tips before buying a car.

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Before you buy
- Make a list of needs and wants.
- Set a budget. Most experts recommend a ceiling of 25 percent of your monthly income for all cars in your household.
- Choose between new or used, buying or leasing.
- Research prices and reviews.
- Get pre-approved for a loan.
- Trade-in? Use online tools to help determine its worth.
When you shop
- Visit several dealerships.
- Test-drive, paying attention to handling and sight lines.
- Ask about financing and incentives.
- Negotiate the price before mentioning your trade-in.
- Don't be afraid to walk away.
Closing the deal
- Bring pre-approval documentation and necessary paperwork.
- Carefully review the purchase contract.