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If you can secure solid lease terms, you’ll want to consider keeping your down payment as low as possible.In order to lease a car, you may be required to make a down payment.Let’s look at some of the important factors you should consider before talking to a dealer.If your main goal is to get the lowest monthly payments, leasing could be your best option.That makes it likely you’ll lease again, which means more monthly lease payments.Buying a car, on the other hand, means knowing your monthly payments will eventually stop when you pay off the car.Though insurance standards vary depending on the leasing company, they usually include comprehensive and collision coverage.

Leasing may require a down payment too — especially if you’re interested in negotiating the lowest possible monthly payment.

If you lose your car due to an accident or theft, you’ll likely still be required to pay off your loan or lease.

Gap insurance helps minimize that loss by covering the difference between what you owe and what your car is worth.

If you’re a car owner, the more miles you drive, the faster your vehicle depreciates.

In fact, logging a ton of miles on your car is one of the quickest ways to reduce its value.

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