我应该买还是租一辆车?

有 许多因素 that can go into the decision of whether to lease or 买一辆车，卡车或SUV. A primary consideration is how you intend to use the new 车辆. 它是你们现有舰队的补充吗? 或者是替换一辆旧车? Another factor to weigh is whether the 车辆 will be used as a daily commute driver, or more likely to be what we all know as a "grocery-getter"?

然后是一辆新车 青少年司机或者一个要去上大学. 这些通常是 二手车 purchases and, by default, not necessarily a lease option.

Consider addressing those questions before you begin your search for a new or 二手车，卡车或SUV.

在一般情况下, some people prefer the convenience a lease offers in being able to walk away from the 车辆 after a certain amount of time. 有 restrictions, however, such as annual mileage and wear-and-tear on the leased 车辆.

Others enjoy the idea of eventually owning the 车辆 outright. T在这里's something to be said for having the option of one day being able to use the equity in your purchased car, 当你去换一辆卡车或SUV时 新的一个. 不管怎样，你的信用和 预算 会影响这个决定吗.

	购买	租赁
支付	现金全额或按月支付 贷款支付	每月固定时间
所有权	还清贷款后你的	经销商
条款	平均贷款期限:69个月	平均租期:36个月
费用	除前期费用外，不收取额外费用	Additional fees for excess mileage, customizations, extra wear and tear, acquisition and/or cleaning
里程	无限的里程	行驶里程有限
定制	允许	允许 but must be reverted to salable condition and any residual damage from customizations must be fixed before car is returned
提前终止	No early termination fee, can sell or trade car anytime	可能需要支付提前终止费

买车的利弊

购买的好处

• 能够定制车辆
• 当你想要的时候可以灵活地出售
• 最终你将是免费的
• 较低的保费
• 可以建立权益
• 与租赁相比，整体成本更低

购买的缺点

• 以旧换新和出售的麻烦
• 更高的维护成本
• 快速贬值:每年10% - 20%
• 更高的贷款支付

租车的利弊

租赁的优点

• Lower average monthly 支付 than an auto loan
• 降低首付款
• Taxes – No upfront sales tax payment and t在这里 may be tax advantages for business use
• 每隔几年就能换一辆新车
• Most repairs are covered by the factory warranty
• Lease may cover scheduled maintenance, like oil changes

租赁的缺点

• 行驶里程有限 – typically 12,500 to 15,000 per year
• 提前终止妊娠可能代价高昂
• 对一般磨损的潜在处罚
• Expendable items, like tires, not covered by lease

其他一些重要的考虑

• 我想用这辆车多久?
• 我每年开多少英里?
• 我每月的预算是多少?
• 我能买得起更高的吗? pp王者电子官网费?
• 我的生活方式选择，比如 宠物 或者孩子，影响汽车的状况?

计算差值

使用这个 租用与购买计算器 to help you arrive at your decision on whether it's better to lease or 买一辆车，卡车或SUV. 最重要的是，避免过度劳累. Whether you end up leasing or buying that new 车辆, t在这里 are far too many temptations to go for more 车辆 than you truly can afford. Go in with a clear plan and 预算 and stick to it!

After you decide what is the best car purchase option for you, don’t forget to contact your 状态 Farm®代理 to 给你的新车投保.