5 Simple Ways to Make Your Car Purchase More Affordable


Having a car can be a great convenience, but it can also be rather costly. In addition to the initial cost to buy the car, many people have monthly payments to make, on top of costs for gas, repairs, maintenance, insurance and more. All of these different expenses can pile up, and your car can become rather expensive to own. Luckily, there are a few things that you can do to try and lower the amount you are spending on your vehicle.

Negotiate a Better Price


The first thing you need to do happens before you even buy the car. The amount you negotiate at the dealership is going to be the largest chunk of money you pay each month towards your car, and so you will want to get the best deal possible. Try and get the monthly payments as low as possible, and don’t be afraid to walk away if the price is too high. Your future self will thank you for it.

Perform Regular Maintenance


One of the biggest inconveniences to come with a car is when it breaks down, and you suddenly need to pay out a large sum of money in order to get it repaired. To keep this from happening, you will want to perform regular maintenance on your car. Sure, this is going to cost you some money in the short term, but it will help to save you a lot of money in the long run. In addition to getting your oil changed regularly, and replacing your tires, you will also want to check the owner’s manual that came with your car for the other recommended maintenance jobs that you should be performing, and when you need to get them done.

Drive Safely


Another way to avoid costly repairs is to simply drive more carefully. While your own personal safety should be enough of a reason to drive safely, perhaps keeping in mind the cost for repairs will help put it over the edge. If it has been a while since you’ve taken the driving exam, here are a few basic pointers for driving safely that many of us tend to forget.

Lower Insurance Costs


On top of the monthly payment for your car, you will also need to pay for your car insurance. You can make monthly payments, or if you’d like to save a little money, then you can make one upfront payment to cover the entire term. There are a ton of insurance companies out there, and each one will offer you different rates and different benefits. For example, an auto insurance company like Mercury Insurance will offer different packages to suit their customers, while some companies will only offer a specific plan that is ideal for only some people. You will want to think about your own personal insurance needs, and then talk to an insurance agent to make sure you are getting the right plan at the most affordable rate.

Save On Gas


The last thing that you can do is try to lower the amount of money you are spending on gas. If you do a lot of traveling, the amount you spend on gas will quickly add up, and can become a large part of your monthly car costs. For starters, try and use the air conditioning less, and instead opt for open windows. Don’t leave your car running more than you need to, and make sure you have decent tires on your car.

Small Savings Add Up


While you may not be able to save a ton of money with any one of these plans, if you combine them all together, you should notice that the amount you are spending on your car is decreasing. Remember that even a small saving can add up over time, and help you to find a little more breathing room in your monthly budget.

Photo courtesy of: StockSnap

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Kayla is a mid-20s single girl living in the Midwest, USA. She is focused on paying off her consumer and student loans, while simplifying her life and closet. You can join her on her journey at or follow her on Twitter @shoeaholicnomor.

1 Comment

  • Jason Cabler says:

    All great tips Kayla! I think another good way to defray car costs would be to occasionally drive for Uber or Lyft and use that money only for car expenses. Of course you’ll put more miles on your car, but you can have others pay your car payment for you!

    I’m also a big proponent of avoiding one of the biggest car expenses, which is interest on a car loan. Anyone can pay cash for their cars if the commit to doing the process I recommend.

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