Buying a pickup truck: How to choose Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by offering interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and evaluate information at no cost to help you make financial decisions with confidence. Bankrate has partnerships with issuers, including but not restricted to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money The offers that appear on this website come from companies that pay us. This compensation can affect the way and where products appear on this website, for example for instance, the order in which they be listed within the categories of listing in the event that they are not permitted by law. Our mortgage and home equity products, as well as other home lending products. But this compensation does affect the content we publish or the reviews that you see on this site. We do not contain the entire universe of businesses or financial offers that may be accessible to you. AleksandarNakic/Getty Images
4 min read published April 20, 2022
Written by Kellye Guinan Written by Personal and Business Finance Contributor Kellye Guinan is an editor and writer on a freelance basis with over five years of experience in personal financial planning. She also is employed full-time at the local library where she helps her community access information about financial literacy, as well as other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since late 2021. They are dedicated to helping their readers feel confident to control their finances with concise, well-researched and precise information that breaks down complex topics into manageable bites. The Bankrate promises
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Therefore, this compensation may affect the way, location and when the products are listed within categories, except where it is prohibited by law for our mortgage or home equity products, as well as other products for home loans. Other elements, like our own proprietary website rules and whether or not a product is available in your area or at your personal credit score may also influence how and where products appear on this website. Although we try to provide a wide range offers, Bankrate does not include specific information on every credit or financial item or product. Trucks are a complex thing. There are a myriad of configurations, and the size and strength you need depends on how you plan to use yours. Be familiar with the most basic features like powertrains axles, cab dimensions, and towing capacity before . Choosing a pickup truck is a process of investigation however, preparation can make it easier to make an informed choice that fits your lifestyle and financial needs. How much horsepower do you need? A truck that has greater horsepower, towing capacity and torque will cost more. It's not all about price, of course, but you must be aware of whether you truly require an extremely powerful engine before spending thousands of dollars to purchase it. Diesel engines is a great option, and offers more power -- could also be a costly addition. The V6 and V8 engines is more popular and provide more power, however, there are four-cylinder engines that can be used for smaller loads. If your biggest haul is to buy groceries, think about smaller models that has an auto gas engine with good fuel efficiency. The less power you use will be more beneficial for you and your budget. How much are you hauling? A mid-sized truck is your best option if you don't have plans to haul large boats or trailers. They're more affordable and have better quality driving over their larger counterparts. Midsize trucks are best suited to smaller loads, not towing. And because of their lighter weight you'll pay less for fuel. This means that if you've things to pull, opt for a large-sized truck. There are light-duty and heavy-duty alternatives for nearly every model that is full-size. Naturally, trucks designed for light-duty use will haul less , but in addition they provide better efficiency in terms of fuel consumption due to their lighter weights. And remember: Towing capacity and payload capacity differ. Towing is the amount your truck can haul behind it. Payload is the amount that it can accommodate in the bed. Even if you don't plan to attach a high-quality horse trailer to the back of your truck, make sure its payload meets your requirements. Do you need four or two-wheel drive? A truck that has two-wheel drive will be less expensive and offer . You can choose either rear- or front-wheel drive. Whichever you choose is best for staying on the road. A vehicle with four-wheel drive is more at handling off-road and icy or slippery conditions like at a boat ramp. You'll get more traction, but your truck will not be as efficient in fuel. What size of cab space do you need? Cab space is likely one of the more important factors for novice truck drivers. In the majority of cases, a crew cab will be the best choice even though it will cost more. Single-cabs is the traditional two-door design. They usually only accommodate three people, but they often have more beds. Extended Extended cabs basically are the equivalent of a cab and half. They have two doors as well as a small amount of legroom in the back seat It's nevertheless a good compromise between the single and crew cab choices. Crew cab: Crew cabs are a four-door option that resembles an SUV or sedan. The capacity of a cabin varies by model and trim however they're the best choice if you have backseat passengers frequently. There are a variety of fuel options available. You're not restricted to only gas or diesel. Companies like Ford are committing to providing additional options in the near future. However, these aren't new choices and may limit your payload or towing capacity. Between gas and diesel Diesel engines are slightly more fuel efficient. They also have greater power to trucks that are in use. But, they're also expensive to buy and fuel. For people who don't drive often, a gas engine may be best. They offer more versatility and lower cost than diesel or electric engines. You're more likely to find these on the bed , too. Long or short bed? The longer your bedis, the smaller your cabin. So, if a crew taxi is needed then you'll likely be forced to use a smaller bed. If you require a larger bed, you might have to settle for one or an extended taxicab. One thing you should consider is how often you will be placing things in the bed. If the truck you have is mostly for looks -and there's nothing wrong with this -- a narrower bed is easier to move around and park. It's likely to also provide ample space when you do need to transport something bigger. Are you buying new or used? Newer trucks give you the possibility of being particular about the entirety of your vehicle, both interior and exterior. It's certainly a splurge -- new trucks are expensive -- but when you've got a particular design, technology or other feature in mind, new is the way to take. A used car is the more affordable choice. You may not be able to find the exact model of your dreams but you'll be able to be able to avoid the depreciation. And if you only need something that is functional you can find older models available which are inexpensive and reliable. It's all about your needs and budget. A brand new vehicle may be costly, but it might be more efficient in fuel usage or have more technology. An older model truck might be less efficient on fuel however the lower cost could mean it is cheaper to drive. Manual or automatic? It's an individual decision. There isn't a huge cost difference between the two, although certain vehicles may come with one or the other. For urban or suburban drivers, automatic is an easier ride. However, if you require more control when off-roading, a manual transmission might suit you better. After you've considered the bigger aspects of owning a vehicle, start looking into actual models and trims. These will help you get a good idea of the price range you'll be considering. And when you know this, you'll be able take a taxi with a fair interest rate.
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Written by Personal and business Finance Contributor Kellye Guinan is a freelance editor and writer who has more than five years ' experience within personal financial. She's also a full-time worker at her local library where she helps her community access information about financial literacy, in addition to other topics. Written by Rhys Subitch Edited by Auto loans editor Rhys has been editing and writing for Bankrate since the end of 2021. They are committed to helping readers gain the confidence to control their finances with clear, well-researched information that breaks down complex topics into manageable bites.
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