When the time comes to purchase a new car, whether new or used, you have to be sure that you are properly educated on the subject. If you’re not, there is a chance that you could end up with a less-than-ideal car. Allow the following tips to be your guide when car shopping.

Do not make the mistake of focusing on only the monthly payment amount when you are car shopping. This can cause you to buy a more expensive car than you can really afford. You need to focus on the total cost of the vehicle itself and whether that is a good deal.

Figure out the financing options before you even look at a car. Check with a bank or local credit union to get this done. They will offer you lower interest rates if you show up in person, plus you can use their offers to bargain …