Questions to Ask When Buying a Used Car

Buying a used car is like embarking on a treasure hunt—exciting, full of potential, but also requires careful navigation to avoid hidden pitfalls. Asking the right questions can be the difference between finding a reliable ride and inheriting someone else’s problems. 

Here are some important questions to ask the seller, whether it is a private individual or a used car dealership, when going through the car buying process.

Looking for an even smoother car-buying experience? Click below for a pocket sized cheat sheet of questions you can take on the go when you’re checking out used cars.

1. What’s the vehicle’s history?

A detailed vehicle history report is your window into the car’s past. It includes crucial information such as prior accidents, title status changes, and comprehensive service records. 

This report not only reveals any hidden issues but also provides peace of mind about the overall condition of the car you’re considering.

When looking to buy, request a vehicle history report from reputable websites like Carfax, AutoCheck, or VINCheck. To obtain these reports, you’ll need the car’s Vehicle Identification Number (VIN). These sources offer comprehensive and reliable information, ensuring you make an informed decision about your potential purchase.

2. How many previous owners has the car had?

The number of previous owners can speak volumes about a car’s history, maintenance, and future functionality. A vehicle that has changed hands frequently in a short period may have experienced more wear and tear or underlying issues, whereas a car with fewer, longer-term owners could suggest better maintenance and care over time.

3. What’s the current mileage?

Mileage is a key factor in determining a car’s value and potential lifespan. Lower mileage often indicates less wear and tear, potentially extending the vehicle’s lifespan. It’s as simple as checking the odometer!

However, it’s equally important to consider how the car has been driven and maintained. A car with higher mileage that has been meticulously serviced may still offer years of dependable use.

After a certain number of miles, typically around 100,000, you might want to reconsider or ask some additional questions—like if there are any major parts, such as if the timing belt, transmission, or brakes, have been replaced, and when. 

4. Has the car been in any accidents?

Accidents can cause significant damage, and even with repairs, this may be a deal breaker. Ask about any past accidents and the extent of the damage. It’s also helpful to know who performed the repairs and if any parts were replaced.

Knowing these details helps you assess potential future issues and decide if the car meets your safety and reliability standards.

5. Can I see the maintenance records?

Regular preventative car maintenance is essential for the longevity of a car. Reviewing the maintenance records can show you if the car has been well cared for by the previous owner(s). Look for records of routine servicing, oil changes, and any major repairs or replacements. 

You can often find these records in several places. Check the owner’s manual or service booklet for a log of past maintenance. Many dealerships and auto repair shops also keep detailed records, so you might request this information directly from them. 

This information helps you gauge the car’s overall condition and anticipate any future maintenance needs. 

6. Is there a warranty?

Some used cars come with a warranty, either from the manufacturer or the dealership. Knowing what is covered can save you from unexpected repair costs down the line. 

Ask for the details of any existing warranty, including whether it is transferable to the new owner. If not, it may be wise to ask if the current owner is willing to make any necessary repairs before the title is switched over. This can help you to assess the financial risk and plan for potential repairs down the road.

7. Can I take the car for a test drive?

A test drive is your chance to experience how the car performs on the road firsthand. Pay attention to how it accelerates, brakes, and handles different road conditions. Listen for any unusual noises or vibrations that could indicate underlying issues.

Use your senses to feel out the car. If, for example, the car smells like rotten eggs while it’s running, it could mean a broken or malfunctioning catalytic converter, a failing fuel pressure sensor, a worn-out fuel filter, or old transmission fluid, and could warrant an urgent visit to the repair shop.

Additionally, assess the functionality of the inside of the car. Do things like the radio, charging ports, seat adjusters, and Apple car play all work properly? Are there any rips or tears in the seats? These little factors can sometimes be overlooked when looking at a used vehicle but are still important when making a car buying decision. 

8. Can I have the car inspected by a mechanic?

Before finalizing the purchase, it’s wise to have a trusted mechanic inspect the car. They can conduct a thorough examination, checking for mechanical problems, hidden damage, and signs of wear that may not be obvious during a test drive.

Have the mechanic look for signs of damage in the areas of a known accident and also assess for any other accident-related damages. Additionally, ask the mechanic about the engine. Certain cars and engines run differently and may require more attention than others. 

A professional inspection provides an objective assessment of the car’s condition, helping you make a more informed purchasing decision. 

9. Why are you selling the car?

When purchasing from a private seller, understanding the car seller’s motivation can provide insights into the car’s condition. If they’re selling due to ongoing issues, it might be a red flag. However, if they’re simply upgrading or downsizing, the car may be in good shape.

Consider checking the seller’s social media for any recent posts about car breakdowns or repairs. This can offer additional insight in case the seller is not willing to tell you the reasoning behind selling the car.  

10. How old is the car? 

The age of a vehicle can significantly impact its reliability and potential maintenance costs. Older cars may require more frequent repairs and could be less fuel-efficient compared to newer models. 

Keep in mind new cars depreciate  in value the second you drive away from the dealership lot, and used cars who have been driving on the road for a while may have already significantly gone down in market value.

However, age alone doesn’t always determine a car’s condition; meticulous maintenance and low mileage can keep an older vehicle running smoothly, no matter the age. Understanding the age of the vehicle gives you insights into its overall wear and tear.

11. What’s the asking price?

Evaluate the asking price, including the potential monthly payment and interest rate, in relation to the car’s condition, mileage, and market value. Research comparable models to determine if the price is fair and competitive. 

Be prepared to negotiate based on the information you’ve gathered from the vehicle history, inspection, and market research with things like the Kelley Blue Book. 

Bonus question:  How will this car affect my insurance premiums? 

Insurance companies consider various factors when pricing car insurance policies. 

Before finalizing your decision, it’s wise to get insurance quotes for the specific car model you’re interested in. This allows you to compare premiums and factor insurance costs into your overall budget for owning the vehicle.

Before we go…. 

Once you’ve found the perfect used car and made your purchase, your journey to enjoying your new wheels isn’t quite complete. The next step is to ensure you protect your investment with the right car insurance coverage.

Shopping for car insurance is as important as choosing the right car. It’s about finding a policy that offers the coverage you need at a price that fits your budget. 

When you’re ready to find out how much it is to insure your new-to-you car, click below to start your free quote. 

Happy car hunting!

A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.