Buying a car is a complicated process - knowing what to do when buying a car is important to ensure you get the best car and deal for you.
We’ve compiled the ultimate car buying checklist, containing everything you need to know and consider during the buying process. It will help you with each step, from getting all the details you need at the first research phase, what to do when you’re at the car dealership, and finally the next steps if you go ahead with the purchase.
We look at budgeting, test driving, asking all the right questions and knowing how to make sure you get the best deal.
BEFORE YOU VISIT THE DEALER
Always research the car before visiting a dealer. You need to have a fair idea of what you want and what you’re prepared to spend. Thorough research at the start will ensure you buy a car that is suited to your budgets and your needs.
Know your budget
Make sure you know how much you can afford to spend, whether that is outright or via finance
Consider the running costs, within your budget – insurance, fuel, servicing and more
Know your top limit and stick to it
Get the running costs
Get a car insurance quote
Check the annual road tax (read our post on the 2017 car tax changes)
Review the car’s fuel consumption
Consider the mileage you’ll do each year
Research the car variants - If you know the car you want, make sure you research all the available variants
Check the engine size and fuel options available
Check the price for different variants, including 3 and 5 door versions
Read customer and press reviews
Look at standard and additional features and technology
Compare prices and spec for similar cars
VISITING THE DEALER
What do I need when buying a car?
Once you are comfortable with your car choice, the next step is to visit the dealer. It’s vital to view the car and go for a test drive to get a true feel for it. This is also the time to ask any the questions you may still have. Here are some tips on what you need when buying a car:
Call the dealer first
Always call before visiting to check the car is available. If so, then book an appointment time convenient for you
Any details of the car you’ve been researching, or a copy of the advert if applicable
What are the model types, trim levels and upgrades – which is the best variant to suit your needs?
What features are standard and which can be added?
How long is the manufacturer warranty?
Does the dealer offer additional warranty and what are the terms and conditions?
Does the car come with add-ons like free recovery?
What to take to the dealers
Your driver’s licence
Any details of the car you’ve been researching, or a copy of the advert if applicable
Good questions to ask about new cars - If you’re buying a new car, now is the time to consider what variant and options you want.
What are the model types, trim levels and upgrades – which is the best variant to suit your needs?
What features are standard and which can be added?
How long is the manufacturer warranty?
Does the dealer offer additional warranty and what are the terms and conditions?
Does the car come with add-ons like free recovery?
Good questions to ask about used cars - If buying a used car, make sure you know what you’re getting by asking detailed questions about the car’s history and condition.
What’s the service history is
A list of the checks the dealership has carried out
How many previous owners the car has had
Has the car been involved in any kind of accident?
Does it have any modifications? (These can affect insurance)
When is the service and MOT due?
What is the current mileage
Is there any remaining warranty?
Check used car documents - If the car is used, you need to check if it comes with all the important documents.
The registration document/logbook present? (This is compulsory to sell the car)
Details of the service history. Is it full or partial? Partial service history will have an impact on the car’s price
If applicable, does the car have a current MOT certificate?
Is the vehicle handbook present?
What to do on the test drive
Always take the car for a thorough test drive along all kinds of roads
Read our checklist for what to look for during the test drive
If you’re not sure about the car after the test drive, ask to drive another variant or model to compare.
BUYING YOUR CAR
What to do when buying a car
If you decide you want to buy the car, remember to keep your max budget in mind at all times. Here are some tips on what to when when buying a car:
Agree price and terms
Agree the trade-in and purchase price and be sure to understand everything that includes
Agree the finance amount if relevant, taking into account deposit, interest rate, length of contract and any fees and charges
Double-check finance terms like mileage caps and contract and payment dates
Check if there are any servicing plans you could take out
Agree the deposit amount
Understand the waiting time for the car and agree the collection date
On collection day
Arrange car insurance from collection day.
Pay the full balance, get a receipt and you’re ready to go!
Keep all paperwork from the deal, including finance, warranty and other documentation
Following the purchase
Call the dealer immediately if there is any issue or problem with the car
Most importantly, enjoy driving your new car!
Hopefully, this car buying checklist will help you understand what to consider at each step of the journey and all you’ll have to worry about it where to drive your car first and who to show it off to.
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