Car

Buying your first car


Buying your first car is exciting, but is often the first really large financial purchase you will make - so it is important you take the time to make the right choice. Here is a brief guide to help you choose the right car for you.

Budget

You need to decide a budget of how much you can afford to pay for the initial outlay. But don’t just look at the purchase price, there are a number of other things to consider, including the cost to run your car, insurance, car tax, MOTs, fuel type and maintenance, just to name but a few.

New or Used car?

If you’re looking for a used car, it’s important that you always check the car’s history, MOT certificate and reliability before buying. Although the cost will be substantially more buying from new, a used car could be unreliable and end up costing you more in running and maintenance costs in the long run. When looking for either new or used cars, make sure you use reputable sites, such as autotrader, and do your research before committing to a car or buyer.

Insurance

It is the law that all drivers need to be insured to drive their cars. Insurance premiums are calculated based on a number of factors. For instance, insurance for expensive and more powerful cars tend be higher than for cheaper, less powerful ones. Also, those that have been driving for longer are considered more experienced, and so generally pay less. Many newly qualified drivers opt for smaller, cheaper cars, in order to minimise the insurance cost. Other ways which may reduce your premium can include; using comparison websites, locking your car in a garage overnight, and completing Pass Plus courses.

Petrol, diesel, electric or hybrid?

Although petrol and diesel cars are by far the most commonly used fuels, electric and hybrid cars are growing in popularity. Deciding whether to buy a petrol or diesel car can be a complicated business. Diesel cars tend to be more expensive to buy and service, but generally speaking have lower road tax and are more fuel efficient than Petrol cars. Electric cars are more eco-friendly and keep fuel costs low, but it can be difficult to find a charging point and they have a limited battery life. Hybrid cars use electric motors and internal combustion engines enabling a proportion of your journey to be run on electric power.

The test drive

Don’t just consider the look of the vehicle; you need to feel confident driving and parking your car too. It is a good idea to take two test drives before you make your decision and to take someone else with you to get a second opinion. Keep in mind that you don't have to buy. If you feel that you're not getting a good deal, walk away. There are always plenty of other cars and deals out there, and the car dealer needs you far more than you need them.

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