People love to get a new car, but they don’t love the new car payments. But, although you can’t avoid those monthly payments, you can keep them reasonable. And make sure to factor in other costs, such as new car warranties, maintenance, and auto loans. Here are some tips to keep those car payments down.

Make sure you purchase a car that you need, not necessarily one that is on the lot. Often, cars on the lot have more features than you need. Dealers’ benefit from selling you one of these cars. Not only do they move a vehicle off their lot, they sell you a more expensive car.

Only buy features that you must have. For example, air conditioning is something most of us can’t live without, yet we don’t need climate control air conditioning. You can save a lot of money by living without luxury features. Watch out when the dealer tries to sell you power seats, audio systems, and tire packages. All of these things are nice, but not essential.

You can save a lot by avoiding a bigger engine. Test-drive a car model that has a standard engine. You might find that the car has more than enough power. By skipping the engine upgrade, you can save money upfront, as well as on fuel down the road.

Follow these simple tips to save yourself from paying high monthly payments. However, realize that the one thing that you shouldn’t skimp on is purchasing an auto warranty. You don’t want to be stuck with unnecessary repair costs down the road.