Kansas City New Car Checklist

When beginning your search for a new car near Kansas City, the first thing to do is determine which features and capabilities you need from your next set of wheels and how much you're willing to spend. Use sources like Kelley Blue Book to research current market pricing to get a good idea of what's available to you.

Your credit score represents your level of creditworthiness. Anything above 700 is considered "good," while a credit score above 660 is acceptable when buying a vehicle. You can receive more favorable loan terms when you have a higher credit score.

A lender will often ask your permission to check your credit report, but knowing your score and bringing details of your credit history can be helpful.

As you prepare to visit dealerships to take test drives and consider your options, remember to bring your driver's license along with you to prove your identity and that you can drive a car. Additionally, check to see that it's up to date and shows your current address.

Another essential item on the Kansas City New Car Checklist is to ensure that you take proof of income and residence with you to help show that you can make loan payments. Proof of income includes W-2 forms and recent pay stubs. Items to prove residence can consist of a lease agreement or a utility bill.

Be sure to have your payment method on hand for the down payment. Dealers commonly take certified checks, cashier's checks, personal checks, and credit cards.

Either contact your auto insurance company before your dealership visit or while you're there using the VIN (Vehicle Identification Number). If you're currently without insurance, be sure to get it after buying your new vehicle.

Do you plan to trade in the vehicle you're driving now? If so, the paperwork you're required to have with you includes the car's current registration and title. If you owe money on the car, bring your loan payoff information.