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You should limit your loan term to 60 months. Any longer of a term is unwise. The reason for this is that your car will depreciate dramatically over time. The longer you pay the greater that chance that you will owe more than the car is worth. You are not paying it off as quickly so what will end up happening is that you will want to get rid of the car because you are either no longer interested in keeping it or need to get another one because your car is no longer running.

What may happen is that you will go to trade in your car that is worth $500 - $1500 and you will still owe $3000 - $4000 on it. Now either this makes the replacement vehicle too costly because that money needs to be made up somewhere and would probably be rolled into the new loan or it just may not be feasible at all. The bank may not allow you to roll this into the new loan. This situation is much more likely as your term of the loan grows. This is why it's better to go no longer than 60 months on a car loan.

Your payment should also not exceed 20% of your net monthly income. That is Youth Tobias Rieder Jersey , 20% of your total monthly income after taxes. Any more than that can affect your ability to pay other bills each month. If the car you are looking at is more per month on a 60 month loan than you budgeted for, then you may be looking at the wrong car.

When you look into the long-term costs of owning a car you need to include one very important item, car insurance. Most people are so preoccupied with the car they are buying that they forget to call their insurance company and get a quote on the car they are looking to buy. Depending on the car you are buying Youth Ryan Strome Jersey , your insurance costs could go up a great deal, especially if you are buying a new car.

Generally speaking, the newer the car Youth Adam Larsson Jersey , the higher the insurance costs. These costs need to be figured into your monthly expense for your car. Add what you pay now for a car payment and car insurance together and that is your total cost of your car per month. If you pay your insurance every year then divide it by 12 in order to figure out a monthly cost. Compare it to what you are paying now to see if you can afford the jump in costs.

The requirements for auto insurance do vary from state to state so make sure that you are not purchasing more insurance than you need. You should also keep in mind that there are four states in the United States that do not require a driver to have liability insurance on their car if it is not financed or leased. Those states are New Hampshire, South Carolina, Tennessee and Wisconsin. Even though they do not require insurance in those states does not mean that most people are uninsured in those states.

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