It91裸聊视频檚 not as easy for young buyers to get a vehicle as the affordable 91裸聊视频渟tarter car91裸聊视频� has disappeared, auto experts say.

91裸聊视频淭here91裸聊视频檚 no such thing as a starter brand new car anymore,91裸聊视频� said Michael Bettencourt, a longtime auto journalist and co-author of an upcoming book on buying an electric vehicle in Canada. He is also a father to a 17- and 20-year old 91裸聊视频� the latter of whom will be shopping for a car soon.

With two sons that age, insurance is a nightmare, Bettencourt said. If you have a few models in mind, check out insurance rates for those vehicles before you start shopping.

91裸聊视频淔ind a site that will compare multiple insurance rates at once,91裸聊视频� Bettencourt said.

91裸聊视频淚f you91裸聊视频檙e looking between two cars 91裸聊视频� you could easily be paying much higher insurance rates on one versus the other. That may be (thousands a year) that91裸聊视频檚 better spent on paying off student debt, right?91裸聊视频�

91裸聊视频淛ust five years ago, you could buy a (new) car for less than $10,000 before fees. Now you can91裸聊视频檛 get one for less than $20,000 before fees,91裸聊视频� said Stephanie Wallcraft, a freelance automotive journalist and co-host of Modern Motoring on YouTube.

For those who can afford it, Wallcraft prefers new or certified pre-owned vehicles. In both cases, what she values is the warranty 91裸聊视频� it91裸聊视频檚 also why she doesn91裸聊视频檛 advocate for private sales or cheap used cars.

91裸聊视频淲hen you91裸聊视频檙e on a tight budget, a fixed budget, surprise repairs can really hurt you,91裸聊视频� Wallcraft said, nothing that younger people are less likely to have an emergency fund for such expenses. Putting costly repairs on a credit card can quickly accumulate high interest.

91裸聊视频淲hen you buy new or certified pre-owned, you91裸聊视频檙e going to have a warranty period where if anything serious comes up, that91裸聊视频檚 going to be covered.91裸聊视频�

Bettencourt favours off-lease vehicles that are a couple years old. When people lease new cars, they will be financially dinged if they damage or fail to maintain the car, so he thinks maintenance and handling is better. These cars won91裸聊视频檛 be the cheapest on the lot, he noted.

91裸聊视频淏ut I do think that91裸聊视频檚 a quality pool of used vehicles,91裸聊视频� Bettencourt said. He would only buy privately if inspection by a mechanic was part of the sale contract.

As for electric vehicles, the federal rebate was just halted in January, but there are provincial subsidies remaining in British Columbia, Newfoundland and Labrador, Nova Scotia, Yukon, New Brunswick, Prince Edward Island and Manitoba, Bettencourt pointed out. Pre-owned is still a valuable option for this segment, he added.

91裸聊视频淭he resale values of EVs have tended to depreciate very quickly, so that provides, in a way, more of an incentive to buy an off-lease or a slightly used EV because of that high depreciation,91裸聊视频� Bettencourt said.

As for the shopping experience, Wallcraft said a salesperson at a dealership will likely ask what monthly payment you can afford 91裸聊视频� but she calls this question a trap.

91裸聊视频淲hat the salesperson is doing when they ask you that question is they91裸聊视频檙e going to try to find the most expensive car that they can talk you into,91裸聊视频� Wallcraft said, 91裸聊视频渁nd give you a really long financing term so that monthly payment is low enough that you can afford it.91裸聊视频�

Lately she91裸聊视频檚 been hearing of nine- and ten-year financing terms, which are relatively new but she expects will become more common 91裸聊视频� especially with a lack of affordable starter cars on the market for young people to buy.

The problem with a long financing term on an asset that depreciates quickly is that serious problems could arise or your needs could change before you fully own the vehicle, Wallcraft said. If your car suffers a catastrophic failure, your lifestyle changes, you move, you partner up, or you have kids, you91裸聊视频檙e still making payments on a car that91裸聊视频檚 not working for you.

If you still owe money on the car when it needs to be replaced, 91裸聊视频渢hat91裸聊视频檚 how you get into the trap,91裸聊视频� Wallcraft said. 91裸聊视频淏ecause then you91裸聊视频檒l go into the dealership and they91裸聊视频檒l say, 91裸聊视频榃e can roll what you still owe on your financing into your next car.91裸聊视频� Well, now you owe that much more on your next car, and it takes you that much longer to get back up above water.91裸聊视频�

It91裸聊视频檚 better to pay off the car quickly, she said. You91裸聊视频檒l own it outright faster, at which point you91裸聊视频檒l not only have no car payments, but you can easily sell it or replace it as you see fit.

At the dealership, car buyers should specify their desired financing term, not the monthly payment, Wallcraft explained. If you can afford it, get the financing term to match the warranty term. Or at least get as close as possible, she added: If the warranty is four years, try for five- or six-year financing 91裸聊视频� not eight or nine years.

It91裸聊视频檚 a good idea to bring someone with you when car shopping, Bettencourt said, especially if you have a partner, as it91裸聊视频檚 likely they will drive the car too. Go for a long test drive and connect to the Bluetooth.

91裸聊视频淗owever you think you91裸聊视频檇 use it, it91裸聊视频檚 worth spending a few minutes to attach your phone to the Bluetooth,91裸聊视频� Bettencourt said. 91裸聊视频淲hy attach it to Bluetooth for a 10-minute drive? Well if that car has issues 91裸聊视频� it makes any car more of a headache to drive.91裸聊视频�

As for add-ons, Wallcraft said she would turn down rust protection and look at an extended warranty 91裸聊视频渧ery carefully91裸聊视频� to see if it91裸聊视频檚 worth it. Bettencourt agreed on the extended warranty 91裸聊视频� it may cost thousands of dollars and if you can save that money yourself in an emergency fund, you at least might have some leftover at the end of the car91裸聊视频檚 life, whereas a warranty goes nowhere if unused.

Never be afraid to walk away and try another dealership, Wallcraft added. She91裸聊视频檚 also heard of sales tactics where dealerships are telling buyers they cannot sell a car without certain add-ons.

91裸聊视频淭hey91裸聊视频檙e not allowed to do that,91裸聊视频� Wallcraft said.

91裸聊视频淚 don91裸聊视频檛 think it91裸聊视频檚 technically illegal right now but there91裸聊视频檚 actually a movement of people trying to make it outright illegal. If a dealership is trying to tell you, 91裸聊视频榃e can91裸聊视频檛 sell you the car unless you take this rust protection,91裸聊视频� try a different dealership. That91裸聊视频檚 the point at which I would not hesitate to walk away.91裸聊视频�