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Should You Lease or Buy Your Next Vehicle?

    Home Article Archives Should You Lease or Buy Your Next Vehicle?
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    Should You Lease or Buy a Car in Batavia IL

    Should You Lease or Buy Your Next Vehicle?

    By TheSph3r3 | Article Archives, Auto | Comments are Closed | 17 May, 2016 | 0

    Consider these commitments before opting to buy or lease your next car.

    If you’re in the market for a new car, there’s a lot to consider. What make or model should you get? What about the color? Are there enough safety features? Everything down to the interior can seem like a tough decision. Then, you must face the choice of whether to lease or buy the vehicle.

    As this is quite a significant financial decision to make, it’s essential to look at all of your options as well as consider your financial future.

    Here’s what to consider before signing the lease or purchase agreement:

    Your budget every month.
    For those with a tighter budget, leasing may be more favorable. Leasing a car often has a lower monthly payment compared to financing a car with the same loan terms, since with a lease you’re paying for the depreciation of the car during the years you have it.

    The down payment and initial fees.
    Most lease agreements have low down payments or you can get the dealer to waive the down payment, and you’ll pay less for the sales tax on a lease as well.

    What mileage you drive.
    If you drive over the average commuters’ annual miles, you may have trouble finding a suitable lease agreement. However, you may be able to pay extra for each mile, but this certainly increases your monthly outgoing. Also, if you go over your lease mileage agreement, you may get a penalty fee. For those who drive many miles annually, opt to purchase a car.

    Your long-term plans for keeping a car.
    Buying a car is a better deal, financially. While you do face higher monthly payments, you’ll get to keep the car, even after a traditional lease agreement is up.

    Whether you lease or buy, maintaining quality car coverage means that your financial investment is protected over every hurdle. To secure your auto insurance coverage, with a lease or purchase, contact Insurance and Mortgage Services in Batavia, Illinois today!

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