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Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our aim is to assist you make better financial choices by providing you with interactive tools and financial calculators, publishing original and objective content. We also allow you to conduct research and analyze information for free - so that you can make informed financial decisions. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The deals that are advertised on this website come from companies that compensate us. This compensation can affect the way and where products appear on the site, such as such things as the order in which they appear within the listing categories in the event that they are not permitted by law for our mortgage, home equity and other products for home loans. However, this compensation will affect the information we publish, or the reviews that you read on this site. We do not contain the entire universe of businesses or financial offers that may be available to you. AleksandarNakic/Getty Images
4 min read published April 20 20, 2022
Writer: Kellye Guinan. Written by personal and business finance contributor Kellye Guinan is a freelance editor and writer with over five years of experience in personal financial planning. She also is an employee full-time at her local library where she assists people in her community gain access to information on financial literacy, in addition to other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate from late 2021. They are passionate about helping readers gain the confidence to manage their finances through providing clear, well-researched facts that break down complex topics into manageable bites. The Bankrate guarantee
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This compensation could influence the manner, place and when the products are listed within categories, with the exception of those the law prohibits it for our mortgage home equity, mortgage and other home lending products. Other factors, such as our own proprietary website rules and whether the product is available in your area or at your own personal credit score may also influence how and where products appear on this site. Although we try to provide a wide range offers, Bankrate does not include details about every financial or credit product or service. Trucks are a complex thing. There are so many models, and the size and strength you need will depend entirely on how you plan to use yours. Familiarize yourself with typical features such as powertrain, axles, cab size and towing capacity prior to . Selecting a pickup is a process of investigation however, preparation can result in a well-informed decision that will suit your needs and budget. What kind of power do you require? A vehicle with greater horsepower, towing capacity and torque will cost you more. The price isn't the only factor obviously, but you must be aware of whether you truly require a high level of power prior to spending thousands of dollars for it. A diesel engine is a great option, and offers higher power could also be a costly addition. A V6 or V8 engine is more common and offer greater power, however there are four-cylinder engines for smaller weights. If your biggest haul is for groceries, consider a more compact model that offers an automatic gas engine that is fuel efficient and has high efficiency. The less power you use will be more beneficial for your budget and needs. What is the amount you're hauling? A midsize truck is your best option if you don't plan on hauling trailers or large boats. They are more affordable and boast better driving quality over their larger counterparts. Midsize trucks are best suited to smaller loads, not towing. Because of their lighter weight you'll pay lesser for gas. If you've got something to haul, choose a larger truck. There are heavy-duty and light-duty options for almost all full-size models available. Naturally, trucks designed for light duty can haul less , but in addition they provide better fuel efficiency due to their smaller weights. Keep in mind that towing capacities and the payload capability differ. Towing refers to how much your truck can carry behind it. Payload is the amount it can carry in its bed. Even if you don't plan to mount a strong-duty horse trailer onto the back of your truck, make sure its payload meets your needs. Do you need four or two-wheel drive? A truck that has two-wheel drive is less costly and provide . You can choose either front- or rear-wheel drive. Whatever you pick is best to be used on roads. A truck that has four-wheel drive is more at handling off-road and slippery, icy conditions like on a boat ramp. You get better performance, however, it won't be as fuel efficient. What kind of is the space you'll need in your cab? Cab space is likely one of the more important factors for casual truck drivers. And for most people, a crew cab is going to provide the most value, even if it does require more expense. Single cab: Single cabs are the most classic style of two-door. They typically only seat three people, however they often have more beds. Extended Extended cabs are basically the equivalent of a cab and half. There are two doors that are smaller and limited leg room in the back, but it's a good option to choose between two cab alternatives. Crew Crew cabs are a one with four doors that resembles an SUV or sedan. The size of a crew cab varies depending on the model and trim however they're the best choice if you have backseat passengers regularly. Options for fuel You're not restricted to gasoline or diesel. Companies like Ford have pledged to offer more in the coming years. However, these aren't new options and might limit your payload or towing capacity. Between gas and diesel, diesel engines are more fuel efficient. They also provide more power for working trucks. However, they're more expensive to buy and to fuel. For those who aren't experienced drivers the gas engine might be the best choice. They are more versatile and are less expensive than diesel or electric engines. You're more likely to find them on the. Long or short bed? You will find that the longer your bedis, the smaller your cab. So, if a crew taxi is needed, you will likely end up with a shorter bed. If you require a longer bed, you may need to opt for a single or extended taxicab. The most important thing to think about is how often you will be placing things in the bed. If the truck is used mostly for looks -it's fine with this -- a narrower bed will be easier to maneuver and park. It's likely to also provide plenty of space when you do need to transport something bigger. Are you buying new or used? Newer trucks give you the opportunity to be particular about the entirety of your ride as well as the exterior. This is certainly an investment- new trucks are expensive however if you have a trim, technology or other features you want to have then a new model is the best way to choose. A used car is a cheaper option. You might not be able to purchase the exact vehicle of your dreams, but you will be able to avoid the depreciation. If you're looking for something practical, there are older models on the market that are affordable and solid. It all depends on your needs and budget. A new truck is expensive, but it could be more efficient on fuel or feature more advanced technology. A used vehicle may be less fuel efficient however, the lower price could mean it is cheaper to drive. Manual or automated? It's a personal choice. There's no huge difference as far as price between these two options, however some trucks may come standard with either one or the other. For urban or suburban drivers, automatic is an easier experience. If you want more control when off-roading, a manual transmissions might be better. The next step is to have thought about the major aspects of owning a truck look into the actual models and trims. These will help you get a good idea of the price range you'll be looking at. If you are aware of this, you'll be able to book a cab at a reasonable interest rate.
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Written by personal and business Finance writer Kellye Guinan is a freelance editor and writer with more than 5 years experience working in the field of personal financial planning. She also is an employee full-time at her local library, where she assists people in her community get information about financial literacy, among other topics. Written by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate from late 2021. They are passionate about helping readers gain confidence to control their finances by providing precise, well-studied information that breaks down otherwise complicated topics into digestible pieces.
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