Frequently Asked Questions
Get answers to common questions about Carma
We estimate insurance costs based on several factors:
- Location: Your ZIP code affects rates due to local accident rates and weather
- Credit Score: Better credit typically means lower insurance rates
- Vehicle Type: Sports cars cost more to insure than sedans
- Vehicle Age: Older cars typically cost less to insure
Our estimates are based on industry averages and should be used as a starting point. We recommend getting actual quotes for final decisions.
Our current inventory includes vehicles from partner dealerships in your area. We work with reputable dealers who value transparent pricing and educated customers.
In future versions, we plan to expand our inventory sources to include more dealerships and certified pre-owned programs to give you even more options.
Yes, Carma is completely free for car buyers.
We don't charge any fees to search for cars or use our cost calculator. Our platform is supported by partnerships with dealerships who appreciate working with informed, budget-conscious customers.
We never sell your personal information or spam you with unwanted offers.
Our cost estimates are designed to give you a realistic starting point for budgeting:
- Loan Payments: Based on current average APR rates for your credit tier
- Insurance: Industry averages adjusted for your profile and location
- Fuel Costs: Current local gas prices and EPA ratings
- Maintenance: Average costs based on vehicle age and type
Actual costs may vary based on your specific situation, chosen insurance provider, driving patterns, and maintenance needs. We recommend using our estimates as a budgeting tool and getting actual quotes for final decisions.
No, we do not run credit checks.
We only ask for your credit score range to provide better loan rate estimates. This is purely for calculation purposes and does not affect your credit score in any way.
When you're ready to finance a vehicle, the dealership or lender will run their own credit check as part of the loan application process.
Currently, Carma operates without requiring account creation to keep things simple and protect your privacy.
In future versions, we plan to add optional account features that will allow you to:
- Save your favorite vehicles
- Set up alerts for new matches
- Track price changes
- Store multiple search profiles
Still have questions?
We're here to help! If you can't find the answer you're looking for, feel free to reach out to our support team.
Contact Support