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It may be easier and more affordable than ever, but buying a new car can still be stressful. Every day, car-buyers drive away with a gleaming new model, however, many make basic mistakes when crunching the deal.
Impulse purchases can be great fun but with cars they can also be costly, landing you with a vehicle you may not need.
Adelaide mother Karen Lewis was caught up in the hype of a sale and bought without even test-driving the car.
“They were having a sale and they had all these fun things happening,” she said. “I’d pretty much decided on the car I wanted… and I signed up without driving it. But they said I can buy it subject to a test drive.”
A bit of forward planning can go a long way and there’s never been more information zipping around the web including reviews from experts and drivers.
Buying a new car is only part of the deal. As you drive out with your shiny new set of wheels you’re practically entering into a service contract that could cost you thousands.
But it’s easy to estimate your liability. Each of the top 10 selling brands offers capped price servicing, with full pricing on their websites which will allow you to compare brands.
And keep in mind that high-powered or diesel model cars generally cost more to service.
As a general rule, the best value car on the lot is the cheapest one. It will likely have less margin in it for the manufacturer and dealer, which means more metal for your money.
That’s also why dealers will often be keen to step you into the more expensive model. Sure, it’s got more whizz-bang features, but it also represents more profit for them.
Not that profit margins are necessarily huge for new cars. On cheaper models, many dealers lose money on the sale of a car (once you consider overheads), which is why they’re keen to upsell you to high-margin extras such as paint protection or accessories.
It’s easy to get wound up in the negotiations on your new car and forget about the one you’re getting rid of.
The changeover price (the difference between new and old) is the only price you should be interested in, so start negotiating on the price of your old car as soon as you get to the dealership.
Better still, consider selling your car privately, because in most cases you’ll get more for it.
We all know a newer car is worth more than an older one. But few people check when their car was built, something that can have a big impact on what it’s worth when it comes time to sell.
Karen Lewis still isn’t exactly sure when her car was built.
“I think it’s a ’15 model, but it may be the previous year,” she laughs.
You have to know what you’re looking at. Cars have two plates under the bonnet – a build plate and a compliance plate. The build plate tells you when it rolled off the production line while the compliance plate tells you when it was certified for sale in Australia and the two dates can be months apart.
A car’s year model officially goes off its compliance plate, but many dealers will value it off the build plate when you’re trading it in.
You’ve gone for the test drive and even agreed on a trade-in price for your old car.
The next step is paying for it and, for most people, that means finance. Dealerships offer their own finance, usually backed by a major finance company and rebranded.
But that dealer finance includes a margin for them, something that will ultimately come out of your pocket. It doesn’t mean you should avoid the dealer finance, but make sure you know what else is available.
If you’re able to avoid these six common pitfalls then you – and your family – should be able to enjoy your new car guilt-free.
Insurance (except Travel Insurance) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as SGIC. SGIC is part of the Insurance Australia Group. Business address is 80 Flinders St, Adelaide SA 5000 (can't assist with enquiries at this address). When making decisions about our insurance, consider the Product Disclosure Statement and Target Market Determinations.
SGIC provides car insurance, motorcycle insurance, CTP insurance, home insurance, business insurance, travel insurance, boat insurance and caravan insurance in SA. Visit NRMA Insurance for insurance in NSW, QLD, ACT, TAS, WA and the NT, and SGIO in WA.
Insurance (except Travel Insurance) issued by Insurance Australia Limited, ABN 11 000 016 722, trading as SGIC. SGIC is part of the Insurance Australia Group. Business address is 80 Flinders St, Adelaide SA 5000 (can't assist with enquiries at this address). When making decisions about our insurance, consider the Product Disclosure Statement and Target Market Determinations.
SGIC provides car insurance, motorcycle insurance, CTP insurance, home insurance, business insurance, travel insurance, boat insurance and caravan insurance in SA. Visit NRMA Insurance for insurance in NSW, QLD, ACT, TAS, WA and the NT, and SGIO in WA.