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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 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 to help you make financial decisions with confidence. Bankrate has agreements with issuers such as, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this website, for example, for example, the order in which they may appear within the listing categories, except where prohibited by law. Our mortgage and home equity products, as well as other home lending products. This compensation, however, does not influence the information we publish, or the reviews you read on this site. We do not cover the vast array of companies or financial offerings that could be available to you. AleksandarNakic/Getty Images
4 minutes read. Published 20th April, 2022
Kellye Guinan Kellye Guinan Written by Personal and Business Finance contributor Kellye Guinan is a freelance editor and journalist with more than five years' experience in personal financial. She is also an employee full-time at her local library where she assists the community to access information about financial literacy, in addition to other subjects. Edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are dedicated to helping their readers gain the confidence to manage their finances with clear, well-researched information that breaks down complicated topics into bite-sized pieces. The Bankrate promise
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If you have questions about money. Bankrate has the answers. Our experts have been helping you master your finances for more than four decades. We continually strive to provide our readers with the professional advice and tools needed to make it through life's financial journey. Bankrate follows a strict standard of conduct, which means that you can trust that our content is truthful and accurate. Our award-winning editors and journalists create honest and accurate content that will help you make the right financial decisions. The content we create by our editorial staff is objective, truthful and is not influenced through our sponsors. We're transparent about how we are able to bring quality information, competitive rates and useful tools for you , by describing how we earn money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We receive compensation for the placement of sponsored products and services, or by you clicking on certain links posted on our site. So, this compensation can influence the manner, place and in what order the products are listed within categories, unless prohibited by law for our mortgage, home equity and other home loan products. Other elements, like our own proprietary website rules and whether or not a product is available within your area or at your personal credit score can also impact how and when products appear on this website. We strive to offer the most diverse selection of products, Bankrate does not include details about every financial or credit item or product. Trucks are complex. There are a myriad of models, and the size and strength you require will depend entirely on how you'll use it. Be familiar with the most common features like powertrain and axles, the cab's size and towing capacity prior . Choosing a pickup truck will require a lot of research but being prepared will make it easier to make an informed choice that will suit your needs and financial needs. How much horsepower do you need? A truck with more horsepower, towing capacity , and torque will cost more. It's not just about cost, of course, but it is important to consider whether you actually need an extremely powerful engine before you spend thousands of dollars for it. A diesel engine that has higher power could also cost you a lot. The V6 and V8 engines are the most common and have greater power, however there are also four-cylinder engines to accommodate lighter load sizes. If you're looking to haul a lot to buy groceries, think about smaller models that offers an automatic gas engine that has good fuel efficiency. A smaller engine may be better for your budget and needs. How much do you plan to haul? A midsize truck is your best option if you don't plan on hauling large boats or trailers. They are more affordable and have better quality driving over their larger counterparts. Midsize trucks can handle smaller loads, not towing. And because of their lighter weight, you'll also pay lower fuel costs. Which means if you have something to tow, you should choose a larger truck. There are heavy-duty and light duty alternatives for nearly every full-size model out there. Naturally, trucks designed for light duty can haul less -- but again they are more efficiency in terms of fuel consumption due to their lighter weights. Remember: towing capacity and payload capacity differ. Towing is the amount your truck can haul behind it. Payload is the amount it can carry in its bed. Even if you don't plan to attach a high-quality horse trailer to the rear of your vehicle, you should make sure its payload meets the requirements of your. Do you need four or two-wheel drive? A truck that has two-wheel drive is less costly and will offer . You'll be able to select either rear or front-wheel drive. Whatever you pick, it's best suited for staying on the road. A truck with four-wheel drive is more for driving off the road and slippery, icy conditions like on a boat ramp. You get better performance, however, it isn't as efficient when it comes to fuel. How much space in the cab do you require? The cab space is one of the more important factors for casual truck drivers. For the majority of drivers the time, a cab with a crew will make the most sense even if it does cost more. Single cab: Single cabs are the most classic style of two-door. They are typically just able to accommodate three people, but they can often accommodate larger beds. Extended cabs: Extended cabs are essentially the equivalent of a cab and half. There are two doors that are smaller as well as a small amount of legroom in the back seat, but it's a good compromise between the two cab options. Crew Crew cabs are a four-door version that looks like the SUV or sedan. The space of a crew cabin varies by model and trim and are the ideal choice for those who have passengers in your back on a regular basis. Options for fuel You're not restricted to only diesel or gas. Companies like Ford are committing to providing more options in the future. However, these aren't new and could restrict your towing or payload capacity. Between gas and diesel, diesel engines are more efficient in terms of fuel consumption. They also provide more power for working trucks. But, they're also expensive to buy and fuel. For people who don't drive often the gas engine might be best. They are more versatile and lower cost than diesel or electric engines. It is more likely to see them on the. Short or long bed? You will find that the longer your bed, the smaller your cab. If a crew cab is necessary and you need it, you'll be forced to use a smaller bed. And if you need that larger bed, you might need to opt for an extended or single cab. One thing you should consider is how often you will put things into the bed. If your truck is mostly for show -- and there's nothing wrong with that -- a shorter bed will be more convenient to move around and park. It's also likely to be ample space to transport something bigger. Used or new? New trucks offer you the opportunity to be specific about every aspect of your ride inside and out. It's certainly a splurge -- new trucks are expensive however, If you've got a specific trim, technology or other feature in mind then a new model is the best way to choose. Conversely, a used truck is a cheaper option. You may 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 that is functional There are many older models on the market which are inexpensive and reliable. It's all about your priorities and finances. A new truck is expensive, but it could be more fuel efficient or have more technology. An older model truck might be less fuel efficient however, the lower cost can make it more affordable to drive. Manual or automatic? It's more of a personal choice. There isn't a huge difference as far as price between them, though some trucks may come standard with either one or the other. For suburban or city drivers, automatic offers an easier ride. But if you need more control for off-roading, manual transmission might suit you better. Next steps Once you have thought about the major aspects of owning a truck, look into the the actual models and models. It will provide you with a good idea of the budget you'll be considering. When you're aware of this, you'll be able get you in the cab at a reasonable rate of interest.
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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 of experience in personal financial planning. She is also employed full-time at the local library where she assists the community gain access to information on financial literacy, in addition to other topics. The article was edited by Rhys Subitch Edited by Auto loans editor Rhys has been writing and editing for Bankrate since late 2021. They are passionate about helping readers gain confidence to take control of their finances by providing concise, well-researched and well-organized information that dissects complex topics into manageable bites.
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