Flat tires. Broken windshields. Oil changes. Whether you have a new car or an old car, things come up and these things cost money. So how do you make sure you have enough money set aside for car repairs and regular maintenance? We’re walking you through everything you need to know below.

Create a budget & start saving

Take some time to look back at what you spent on repairs and maintenance last year (save those receipts or look at old bank statements) and create a budget based on that number. So if you spent $1,200 last year, plan to save $120/month this year. Keep in mind this is separate from your car payment or auto insurance! 

If this is your first time owning a car, AAA recommends saving $100 per month for car repairs and maintenance. This doesn’t mean you’ll use that money each month and that’s a good thing. Saving now will help cover anything that comes up in the future.

Follow your maintenance schedule

You’ll avoid high bills down the road if you follow your car’s recommended maintenance schedule, which can be found in your owner’s manual. If you stick to this schedule (which is typically based on mileage), you’re less likely to have more serious issues later. 

Do your research

You want a mechanic you can trust. Ask friends for recommendations and read reviews online before you book your first service appointment. If an unexpected maintenance issue comes up, it’s a good idea to get quotes from multiple repair shops.

Look for discounts

Don’t be afraid to ask your mechanic if they offer any discounts for things like paying in cash or being a student. And take a look at your local paper for coupons on everything from oil changes to tires. 

Get cash when you need it

If you find yourself with a car repair emergency and are short on cash, we can help. With Brigit Instant Cash, you can get up to $250* deposited in your account. No interest, no fees, and no credit checks.

*Subject to Brigit’s approval and policies. Not all members are approved for advances and the amount varies per customer. Advances range from $50 – $250. Log into the Brigit app to learn more. No credit checks or interest, ever.