Federal tax credits for EVs were killed in late 2025, making new EVs significantly more expensive. Leasing an EV may be safer due to rapid technology changes and faster depreciation.
New cars include full manufacturer warranties, providing peace of mind against expensive repairs. Conversely, five-year-old cars can cost owners $800–$1,000 annually in maintenance. should you buy a new car
Never negotiate based on monthly payments. Focus strictly on the total price including taxes and fees to avoid hidden dealership markups. Federal tax credits for EVs were killed in
Shopping in late spring, summer, or at the end of the year can yield deeper discounts as dealerships push to hit sales quotas. Is buying a new car in 2026 a mistake? : r/personalfinance Shopping in late spring, summer, or at the
New cars typically have higher insurance premiums and higher property taxes in certain states. Smart Buying Tips for 2026
To stay financially healthy, put at least 20% down , finance for no more than 4 years , and keep total monthly costs under 10% of your gross income.
New cars can lose 20–30% of their value in the first two to three years. If you plan to sell within five years, buying a 3–5 year-old used car—which has already absorbed this hit—might be better.
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