Used Car Buying Checklist: What Troy, AL Drivers Should Know Before They Sign

Many drivers in Troy, Alabama, are eyeing used cars because they are affordable. Car insurers also often offer lower insurance rates for pre-owned vehicles. However, buying them comes with risks since they may have mechanical problems and unknown histories. How can you land the best deal?

Our team at Stivers of Troy has written this used car buying checklist to guide you. Read on to learn more about the process, including the required paperwork and how to choose the right vehicle.

What to Bring When Shopping for a Used Car

To make the car-buying process smoother, ensure you have the right documents before you explore our current model year used Fords or other models. These include:

• A valid driver’s license or government-issued ID: This helps us verify your identity and finalize the sale. You’ll need the document to test drive the car as well.
• Proof of insurance: Before you drive home your used model, we need to confirm that you have financial protection against the risks associated with vehicle ownership and driving.
• Proof of residency: If you’re applying for financing, bring a lease agreement or utility bill as proof of your current address.
• Loan pre-approval documents: Financing pre-approval letters allow us to estimate your budget and help you find a car within your financial reach. It can also increase your negotiating power.
• Trade-in documents: Trading in your current model? Bring its registration, title, and loan payoff documents if you have yet to complete paying it off. 

Inspecting the Exterior and Interior for Wear 

Checking a used car’s exterior and interior helps you make an informed financial decision based on its condition. Look out for these things: 

• Dents and rust: Check for large dents and excessive rust spots, as they are evidence of poor maintenance.
• Cracks: Examine the windows, lights, and windshield for cracks.
• Flood damage: Floods are common in Alabama. Look out for musty odors and corroded metal components that may indicate the vehicle has sustained flood damage.
• Uneven tire wear: Inspect the tires for uneven tread wear, which may suggest suspension and alignment problems.
• Electrical system problems: Ensure systems like the infotainment screen and air conditioning are functioning correctly.
• Interior damage: Alabama’s high humidity can lead to fabric deterioration and mold growth. Confirm interior parts, such as the seats and safety belts, are in excellent condition.
• Unusual sounds: Open the hood while the engine is on and leave it for a few minutes. This can help you spot drips and listen for weird noises.

Important Questions to Ask Before Buying a Used Vehicle 

When buying a used car, you need to ensure you are making a sound investment. Here are a few questions to ask our experts at Stivers of Troy to enjoy the best deal.

How Old Is the Used Vehicle?

An older car typically has higher mileage and more wear and tear, which means it may require frequent repairs. Since it is also likely to have expired manufacturer warranties, you might incur higher maintenance costs. 

Is the Car’s Title Available?

Ask to see the used car’s title and ensure it is free of disputes and liens, as these can cause problems down the road. Since the document can confirm we’re the rightful owner, too, you shouldn’t worry about buying a stolen vehicle. 

Should I Hire a Third-Party Mechanic to Inspect the Vehicle?

You should be able to bring a third-party technician to check the vehicle and confirm it does not have any hidden problems. This prevents you from investing in a lemon car or one that will require expensive repairs.  

What Features Does the Used Car Have?

Inspect the vehicle to confirm that it has all the promised or expected features, based on the make and model year. If it lacks some advertised technologies, be sure to speak up about it.

How to Test Drive a Used Car the Right Way 

Taking a used car for a spin must be on your checklist. This allows you to assess the vehicle’s performance and identify potential issues. Wondering how you should do it? Well, there’s no specific way to test drive a car, but before you start driving the vehicle for 20 minutes on US-231, plan a route that provides opportunities for turns. 

To identify engine and suspension problems, listen for vibrations and unusual grinding and squealing noises. If the ride is uncomfortable or bumpy, the car’s suspension might have an issue. 

The used car should feel stable and responsive when you’re test-driving it. The steering wheel should not vibrate, feel loose, or pull to one side. Additionally, the pedal should be firm when you’re braking.

Reviewing the Vehicle History Report 

We recommend getting a used vehicle’s history report through Carfax or AutoCheck before finalizing your purchase. This document provides an objective summary of the vehicle’s past, including any title problems and accident records. Highlighting these issues could strengthen your negotiating position and enable you to secure a fair deal.

Financing Options for Used Cars in Troy, AL

Stivers of Troy is determined to get you behind the wheel of your desired used car. We work with some of Alabama’s most reputable lending institutions to offer you tailored financing options with favourable rates and flexible terms. Whether you have an outstanding loan balance or a low credit score, we have the right financing solution for you.

Ready to get the financing you need? Fill out our online application today. You can also visit us at 121 US-231, Troy, AL 36081 to consult with our experts.

Final Walkthrough Before You Sign 

At Stivers of Troy, we’re a trustworthy used car dealership serving Troy, Alabama. We offer a wide selection of pre-owned vehicles, including Ford, Toyota, and Chevrolet models. Our knowledgeable auto professionals are happy to help you choose one that fits your needs and budget. If the vehicle checks every item on your used car buying checklist, there’s no reason you shouldn’t drive it home. Contact our team via our website or call us at 334-566-7350 to schedule an appointment and sign the necessary paperwork.