There are several factors to consider when buying a car, with affordability being one of the most important. Along with the purchase price, there are additional costs to vehicle ownership, such as gas, insurance and maintenance. Whether you buy online or at a dealership, inquire about gas mileage and the average yearly maintenance cost of any vehicle you are interested in. If insurance costs are a concern, buying a used car for cash may be a good option. Vehicles with lower actual cash value (ACV) might not need collision or comprehensive insurance, which can dramatically lower the price of car insurance.