Buying a hatchback, it'll be my first real car and I have a lot of questions please help me lol
I have questions; many questions to be exact. I am looking to buy a used hatchback. I live in the New England region of the US.
I am 24 and technically still "live" in state but I actually reside in Vermont. I have my current car and insurance and license registered to New Jersey since it was just easier to keep it that way with my parents. When I buy the new car is it smarter to just officially move to Vermont or keep the registration in NJ until I age out of parents insurance? After 26 when I age out I would have to "move" anyway so it isn't that big of a hassle just obviously easier with an existing automobile to know how this stuff works and now that I need to buy a car this has thrown a wrench in the plans.
Anyways I have narrowed the cars I am looking at to these 4 (but I am extremely open to input about these or others):
- Subaru Impreza
- VW Golf Alltrack
- Mazda 3
- Toyota Corolla Hatchback
I am looking to buy model year 2018 or newer (not a new car but not super old I feel this is a somewhat happy medium). I am taking a loan out for at least part of the cost of the car.
I am 24 and turn 25 in September. My car is on its last legs but it'll make it to my birthday for sure. So my question is is it smarter to take the loan out after my birthday (aka is it more likely my interest rate will be lower as I will be older if only a few weeks apart)? I have a very solid credit score thankfully after a lot of work. I am sitting at a ≈780-800 rn and plan to take the loan from a local credit union or USAA depending on what rates I can shop as best.
So I think to boil it down I have a few fundamental questions and a bunch more I have left ambiguous in my paragraphs above so feel free to chime in literally anywhere.
- Should I "move" and register the new car in the new state at the same time to make things easiest?
- What car is best from my options or literally any other?
- When should I start the loan process since I am at a birthday?
- Probably other stuff I cannot think of?
- Is there another community I should be asking instead of here?
Thank you all so much in advance. I feel so goddamn lost. Car buying as a process sucks and I am hoping some of these things aren't too silly of questions. I will try to update or clarify questions as they arise tysm