Ask about previous damage. Has the vehicle ever been in an accident or a flood? Get details on the extent of damage if it has. And inspect the vehicle closely, looking for these "red flags":

• Mismatched vehicle identification numbers (VINs) on the vehicle title, dashboard, driver door panel, hood or trunk;

• Mismatched paint on exterior body parts, or paint-over spray on interior parts such as door edges and the engine compartment;

• Missing bolts or uneven welding in major areas, such as the front-end core support or the trunk.

Ask for routine maintenance records. The owner should be able to provide information about what service work has been done.

Buy a vehicle history report. Get the vehicle's VIN, then go to www.carfax.com or www.autocheck.com and purchase a vehicle history report. The history will show past owners of and damage to the car, as well as mileage and title history. Some state motor vehicle departments may also provide some of this information.

Check out the seller. Some unscrupulous sellers may try to sell a poorly repaired salvage vehicle, which means it's been totaled before and they've rebuilt it. If you're buying from a car dealer, check with the Better Business Bureau. If the seller is an individual, look through the classifieds for other vehicle ads with the same phone number-this is a sign of an unlicensed broker who sells used vehicles by posing as the owner.

Ask a professional to inspect the vehicle. Take the vehicle to a mechanic or body shop you trust. Have them inspect the vehicle inside and out for previous repairs and the quality of any repair work they discover.

Research insurance costs. Before you buy, ask your local independent agent or broker how much your car will cost to insure. And while you're there, make sure you have the right coverages for your vehicle. For example, if you're buying an older or more inexpensive car, you might want to consider dropping Comprehensive and Collision coverages.

Following these tips can help you avoid any unwelcome surprises from your new (used) car.

For more information or to find an agent nearby, visit www.progressiveagent.com.

Used car shopping requires a keen eye and an inquisitive nature.