With so many options, purchasing a new car can feel a bit overwhelming. What kind of car do you want or need? Which cars work with your budget? How can you find the best deals? Follow the tips below from Kelley Blue Book for an ultra-smooth car-buying process and reach out to your local credit union for additional assistance:

• Know your shopping style – When you shop for a car, do you focus on value, method, or safety? Evaluate what’s most important to you in order to get the most out of your car-buying experience, as well as to avoid buyer’s remorse.

• Narrow it down – With so many different cars on the market these days, narrowing your preference can seem daunting. To get started, think of what works best for your lifestyle. Do you need something family-friendly or something more suitable for your job? Asking yourself lifestyle questions like these can help cut down your available choices.

• Figure out what you can realistically afford – Try to avoid overspending on a new car. By factoring in all the financial considerations, including auto insurance, you’ll be able to calculate what you can truly afford. You may want to use one of the many online tools to help you come up with a realistic figure you feel comfortable spending, like this car payment calculator. As the time to pay comes nearer, don’t be afraid to negotiate for a price that works best for you.

• Research new cars online – You may find it helpful to read consumer reviews and safety specs online before purchasing a new car. Expert opinions should also be considered before buying.

• Shop financing, warranties, and insurance – Although self-explanatory, it is always best to shop around interest and insurance rates, as well as the best extended warranties for your new vehicle.

• Choose the best buying option – Whether shopping in person or online, be sure to choose from several different options, such as direct buying sites, dealer-referral buying sites, and manufacturer’s sites.

• It’s all about the test drive – It’s always a best practice to drive a car before it is purchased. Take time to check out every inch of the car. Pay attention to how it drives, the way it sounds and feels, and how it responds when you brake and accelerate.