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Next Steps
If you think the horse is worth a second look
Take an experienced friend or horse professional with you this time. Try to take someone that knows your level of riding is best, like your instructor. Be prepared to pay for the time of a trainer or professional. When do you find a horse you like, go home and sleep it over and think about it. Don't just buy the horse and give over the cash. On the second visit you can try negotiating the price as well.
Negotiating
Don’t choose just any horse
.. because it's cheap! Always match the horse to the rider. A problem horse is not for a novice rider; they can cost more in terms of money, sanity (& hospital/vet bills!) in the long run. Less attractive 'regular' horses, horses with superficial scars or growths, horses of a less popular color and part, cross or unknown breeds, often go cheaper while not being less suitable, unless you intend to show. If it is a working or pleasure horse and not exactly beautiful, well you don't have to ride their head.
Buying Horses
If you plan to buy the horse
Tell the owner as soon as you decide that you want to buy. Agree on a price, subject to vet inspection, and ask to put a deposit down (10% to 20% of the price should fair) to secure the horse. Have your veterinarian come out and check the horse before you pay for the horse. This vet inspect can be expensive but most insurance companies will demand a certificate anyway. Find out what the horse has been fed because if you have to change the feed, you need to do it slowly over a week or two.