What To Bring When Buying a Car

Ready to Buy a New or Used Subaru?

Buying a new car is always a wonderful experience and something to get excited about. However, because of the eagerness and nervousness when heading to the dealership, buyers often forget a few things, even those who have bought many new cars over the years. 

Twin Falls Chevrolet has compiled a helpful checklist to help you know what to have with you before heading our way. You can also call our dealership, make an appointment with a salesperson, and ask if there is anything else you may need to bring. 

Driver’s License & Proof of Insurance

While it may seem to go without saying, you should have a valid Driver’s License and your current Insurance card and information with you. If you are coming from an older car into a brand-new vehicle, you may only have Liability Coverage. When you purchase a new car, you will need to upgrade that to Full Coverage, so you should bring your insurance card and account information so you can quickly call your agent and change your insurance needs quickly. 

Trade In Your Current Vehicle

Pay Stubs & A Utility Bill

When financing a new car, some dealers like to see at least two of your most recent pay stubs to accurately assess your total yearly income. This helps the dealer when inputting your information for banks to see if they would like to loan you money to purchase a car. It wouldn’t hurt to bring at least one utility bill to prove that the address on your driver’s license is correct.

Credit Application

After you have picked out a car you like and have possibly taken it for a test drive, you will sit with the salesperson and fill out a credit application, which will include your social security number, estimated taxed yearly income, your current address, and previous addresses if you haven’t lived there for more than a few years, as well as your employer information, and the like. You can, however, get a head start and fill out the credit app online for Twin Falls Chevy to have before you get there. This way, you can spend less time at the dealership and more time playing with your new car. 

Pre-Approved Loan

If you have been pre-approved by a lender, that’s great news! Ensure you bring all the information the lender sent you via email or mail. 

What to Bring When You Buy Your New Subaru

Special Discount

If you are taking advantage of a particular discount or rebate, make sure you bring the relevant information pertaining to the applicable discount or rebate. For instance, have your military ID card if you are in the military. Chevrolet offers special offers for active duty military, educators, first responders, and college students or recent graduates. 

Self-Employed Buyer

If you are self-employed, you will need to ensure that you bring two years’ worth of your most recent bank statements and two years of tax returns. 

Need A Co-Signer?

If you plan on having someone co-sign for you or know that you may potentially need someone to co-sign on your loan, make sure that either they come to the dealership with you or they are ready and able to answer the phone when you call so they can talk to the salesperson to get their information for a credit application. 

Buy a New or Used Car

Down Payment

Are you planning on placing a down payment on the car you are purchasing? If so, ensure you have enough money on your credit or debit card, plus possibly 3% for credit card fees. If you have cash or can write a check, Twin Falls Chevrolet will gladly accept either of those forms of payment, too. For example, if you plan to put $3,000 as a down payment, an extra $90 may be added to cover the credit card fees the dealership has to account for. 

Are You Trading A Vehicle?

If you have decided to trade a vehicle in for your new car, try to ensure the trade vehicle has its registration and inspection up to date. If your current car is paid off, bring the title, making sure that you have not signed it yet. If the vehicle isn’t paid off, ensure you have all the account information for the lien holder. Also, don’t forget all the keys to your vehicle. If your current car has not been serviced by Twin Falls Chevy, please bring as many of your service records as possible. If you don’t have them, you can always call the dealership or shop you have been working with, and they can print or email you copies of your service records. 

What Do You Need to Buy a New or Used Car

Total Vehicle Loss Information

Let’s say you are starting over after your vehicle was in a total loss accident. If this is the case, we hope you and anyone involved in this accident are safe and okay. Make sure to bring your insurance payout letter that states the vehicle was a total loss and shows the payout amount. If you have Guaranteed Asset Protection or GAP insurance, then bring your coverage payout confirmation. 

At Twin Falls Chevrolet, we pride ourselves on providing you with the absolute best sales and service possible. With hundreds of new and used vehicles, our talented sales team and finance department will help you find the best one for you and your family. And our fantastic service department will keep that vehicle in the best condition for you.

We look forward to serving you.