Buying a used car should be exciting, not stressful. Whether you live in Navarre, Navarre Beach, Gulf Breeze or Milton — or you just got stationed at Hurlburt Field or Eglin AFB — this checklist walks you through every step so you can buy with confidence.
Key Takeaways
- Set a total budget that includes tax, tag, title, insurance and maintenance — not just the monthly payment.
- Get pre-qualified before you shop so you know what you can comfortably afford.
- Always check the vehicle history report, open recalls and the FTC Buyers Guide.
- Test drive on the roads you actually use, including highway speeds on US-98.
1. How much car can I afford?
Start with the total cost of ownership, not just the sticker price. In addition to the vehicle price, plan for Florida sales tax, tag, title and registration fees, insurance, fuel and routine maintenance. A common rule of thumb is to keep your total monthly car costs (payment plus insurance) around 10–15% of your take-home pay.
Use our payment calculator to try different prices, down payments and loan terms before you shop.
2. Should I get pre-qualified before I shop?
Yes. Pre-qualifying tells you roughly what you can borrow and what your payment might look like, which keeps you focused on vehicles that fit your budget. At K&S Auto Sales you can pre-qualify online in about two minutes without entering your Social Security number. You are also welcome to bring a pre-approval from your own bank or credit union.
3. Which used car is right for my lifestyle?
Think about how you really drive. Commuting to Pensacola or Fort Walton Beach every day? Fuel economy and comfort matter most. Hauling beach gear, boats or kids? Look at SUVs and trucks with the right towing capacity and cargo space. Make a short list of two or three models, then compare them side by side — you can save vehicles and use our compare tool.
4. How do I check a used car’s history?
- Vehicle history report: look for accidents, title brands, number of owners and service records.
- Open recalls: enter the VIN at nhtsa.gov/recalls — it is free.
- Title status: a “clean” title is ideal; “rebuilt” or “salvage” titles should be priced accordingly.
- Flood exposure: on the Gulf Coast this is critical — see our flood-damage guide.
5. What should I look for on the test drive?
Plan at least 15–20 minutes. Include stop-and-go traffic, a few turns, rough pavement and highway speeds — a run down Navarre Parkway (US-98) works well. Listen for unusual noises, feel for vibrations when braking, check that the A/C blows cold (essential in Florida), and test every window, lock, camera and screen.
6. Should I get a pre-purchase inspection?
An independent inspection by a trusted mechanic is inexpensive peace of mind, especially on higher-mileage vehicles. Just ask us and we will help arrange a time.
7. What is the FTC Buyers Guide?
Every used vehicle on a dealer’s lot must display a Buyers Guide that tells you whether the vehicle is sold “as is” or with a warranty. That information becomes part of your sales contract, so read it carefully and keep a copy.
8. What paperwork do I need to buy a car in Florida?
- Valid driver’s license
- Proof of Florida auto insurance (PIP and property damage liability are required to register)
- Your down payment or proof of funds
- If financing: proof of income and residence
- If trading in: title or payoff information, registration and all keys
Before you sign, review the buyer’s order line by line: vehicle price, dealer fees, taxes, tag and title, trade-in value and any add-ons. Ask questions until every number makes sense.
Ready to start?
Browse our current inventory, save your favorites, and reach out with any questions. We are happy to help you buy the right way.
