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How to save on buying a car

How to save on buying a car

A car is a necessity for most people.

Choosing a car is now virtually unlimited, so finding the optimal price / performance ratio can be challenging.

To save on buying a car, you must take into account several nuances.

Hire purchase

In order not to overpay a lot of money, be careful not to stretch the payment over time. It may not seem like such a big problem,but even an extra year on the loan can add up to thousands of dollars to the total cost of the car.

Old or new car

The vehicle is not an investment. Vehicles depreciate quickly, so when you buy a new car, you can expect that he will certainly be reduced in price. In fact, a new car typically price decreases by 25-40% during the first two years. If your new car has been in operation for five years, the the car will lose up to 65% of its original price. Thus, it is more logical to buy second-hand car, which was in use from 3 to 5 years. Then you can save a decent amount of money.

Choosing the right car

You buy a car for yourself toget to work and from work to home? Then you probably do not need an SUV for $ 45,000 for up to eight seats, which can weigh more than 2 tons. Choose a car that meets your needs.

Take into account other costs

The actual cost of the car is important, but what is often overlooked - a long-term care and insurance premiums. Keep in mind that premiums are usually higherat a high price of cars, so that the purchase of a more expensive car will increase your annual insurance costs. It could be hundreds, if not thousands of dollars a year.

In addition to insurance, consider all maintenance costs. The vehicle needs an oil change, new brakes, air filters, tires and much more. Luxury or performance models likegenerally, will require more expensive parts that may cost a lot more than the parts at low cost cars. In addition, expect the necessary spare parts for slow-moving car models accounted for much longer, and they cost more expensive due to the inclusion in the cost of spare parts delivery, for example, from abroad.

Finally, we must consider fuel consumption. The average mileage of the car is15,000-25,000 km per year. The vehicle, which consumes an average of 8-9 liters per 100 kilometers, you can spend anywhere from $ 1,000 to $ 1,500 per year. Now consider a vehicle that consumes much more about 12-15 liters per 100 km. In this case, you have to spend $ 2,000 per year and up.

Given the fuel consumption, oil change,insurance and regular maintenance, the cost of the vehicle can range from $ 3,000 to $ 5,000 in addition to your monthly payments for a car loan every year.

Thus, buying a car should never be spontaneous and should be carefully thought out decision.

Do not overpay for the built-in equipment

Payment of $ 1500 or more, for example, built-in satellite navigation rarely makes senseWhen the portable device is morehundred dollars. If resale of the car, few buyers will be willing to pay extra for a built-in equipment when you can buy a portable and more modern.

Haggle

When buying a second-hand car bargain and negotiate of the price, which will suit both you, the buyer and seller. This can save you from a few hundred to thousands of dollars.

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