A good used car can save you thousands. A bad one can cost you thousands. These steps take a little time, but they're the difference between a smart buy and a money pit.
Know this first: there's no 3-day return in Florida
Many people believe they can return a car within three days. In Florida, there is no three-day right to cancel a new or used car purchase. Once you sign, the car is yours unless the dealer has its own written return policy. Do your checking before you sign, not after.
Read the Buyers Guide sticker
Federal rules require dealers to post a Buyers Guide on the window of every used car they sell. It tells you whether the car comes with a warranty or is sold 'as is.' 'As is' means no warranty from the dealer: if something breaks after you drive off, the repair is on you. Any warranty promise should be in writing.
Your checklist
- Run the VIN through NICB's free VINCheck and get a vehicle history report.
- Test drive on both city streets and the highway. Listen for noises and check that everything works.
- Pay an independent mechanic you choose for a pre-purchase inspection. It usually costs far less than one surprise repair.
- Check that the VIN on the car matches the title and paperwork.
- Compare offers by the out-the-door price, including tax, tag, title and every dealer fee.
Be ready to walk away
If a seller won't let you get an inspection, rushes you, or the numbers keep changing, that's your sign. There's always another car.
Last reviewed September 2026. Fees and rules can change — confirm current amounts with the Bay County Tax Collector or your lender before you buy. This guide is general information, not legal, tax or financial advice.