Note: We receive a commission for purchases made through the links on this site. Our sponsors, however, do not influence our editorial content in any way.
Americans bought about 5.3 million cars in 2018. Unfortunately, many of them see buying a car as a negative experience. They worry that they will get taken advantage of, won’t get the financing they need, or will purchase a vehicle that doesn’t work well.
There are always some unknown factors when you buy a vehicle. You can, however, make the experience more enjoyable by bringing these six documents when you head to the car dealership.
Dealerships will only sell vehicles to people who can drive. That means you need to bring a valid driver’s license to the car lot. Without a license, the dealership can only show you options. It can’t even let you test drive a car.
You also need to bring proof of insurance. Ideally, you already know what kind of car you want to buy. When you know that, you can talk to your insurance company ahead of time about the level of coverage you need. Then, you can finish buying your insurance policy immediately before purchasing your new car.
Few people can afford to buy a car without financing. Most dealerships have funding options that they get from local and national lenders. You can also talk to your bank about borrowing money to buy your car.
If you choose to get financing through the dealership, you will need some documents that show you’re not a risk.
These documents show the dealership that you have enough money to make monthly payments. Assuming that you have good credit, the documents could also help you secure a low-interest loan that makes buying a car more affordable. Know where your credit stands before heading to the dealership. .
If you have those items, you should find that buying a new or used car takes less time. Some dealers may want other items, too. It never hurts to call ahead to make sure you have the documents that the seller wants to see.