Reading between the (trim) lines

Once you decide it's time to buy a car, there are many steps to finding the right one for your needs and budget. Typically, you start with the vehicle type (SUV, sedan, minivan, etc.), and narrow the field based on passenger and cargo requirements, and often fuel efficiency targets. You'll further filter the choices by safety and reliability data, and Consumer Reports' Road Test scores. From the final few, direct feature and price comparisons require settling in on a trim level. But which trim level is the best one?

Trim lines define the model variations, describing the equipment levels and often the powertrains. Base-level cars are often relatively barebones; their low prices are used to attract attention on the showroom and in marketing. On closer inspection, consumers typically gravitate to the higher trims that add desirable comfort, convenience, cosmetic, and technology features. Within a model range, there can be a wide spectrum between the base trim and the top-end offering.

Take, for example, the Honda Accord sedan. The base LX starts at $21,855 with a four-cylinder engine and automatic transmission. The top-of-the-line EX-L V6 with navigation starts at $31,105. That is a pretty big price range.

So, what is the best trim for your money? Most people opt for the middle trims—not too basic, but not laden with expensive and unnecessary bells or whistles. The middle line usually has added comfort features such as a power driver's seat with lumbar support, keyless entry, and minor upgrades to the audio system—useful benefits appreciated on a daily basis.

Pragmatically, the most important reason to upgrade trims is the availability of safety features. Today, most vehicles have standard electronic stability control (ESC) and side air bags, but if you find a model that doesn't, upgrading to the next trim level to get that protection is something you shouldn't hesitate to pay extra for. (Unfortunately, some cars like the Honda Fit and Civic force you into the top trim level to get ESC, adding lots of other options that you might not want.) Curtain air bags are another important safety feature that is worth the additional cost.

When comparing other features between a lower and higher trim line, you need to look at whether the added conveniences are worth the higher price. A test drive will help you determine whether, for example, controls on the steering wheel are necessary. With the low cost of portable GPS units and the influx of GPS-enabled smart phones, a built-in navigation system may not be worth the extra cost. Leather seats are nice, but in extreme temperatures they can be uncomfortable unless they are heated or cooled —which adds to the cost.

Then there is resale value. Often a top-trim will depreciate more significantly than a middle trim. And a base model may be harder yet to sell. (If it is a relative stripper now, it may be considered downright Spartan in a few years.) Conversely, when buying used, you can often get a better-equipped car than you could if buying a new one.

Bottom line:
Before you head to the dealership, do your research online first. All the manufacturer websites list the trims, features available, and the prices. Carefully consider what is truly worth paying for to find your own sweet spot. There are often option packages that can make it more affordable to add features than moving up an entire trim level. And remember, high-priced, $2,000-level options like a navigation system, a brand-named premium audio system, or other leading-edge technology may boost the trade-in value significantly.

Consumer Reports' has a new car buying service called Build and Buy that can help you configure your vehicle and find a dealership with the model you want in your area. 

See our guides to buying a new or used car.

—Liza Barth