Deciding What Car To Buy



Things to help you in purchasing the right car.

1. What type of car am I looking for?
      This should probably be one of the first questions you should ask yourself.
      This question in turn brings about other questions like the ones listed below.

a. Is it going to be just for me and my partner?
b. Is it going to be used for long drives?
c. Do I need a big engine or a small 1.0 – 1.3 litre will do?
d. Am I buying a car to impress others or am I buying a car for my own purpose?
e. Am I going to be able to insure it and for how much?
f.  How much will the Road Tax  cost?
g. How much is it going to cost me for servicing this car?
h I am I after a coupe or should I be better-off getting a saloon?
i.  If you are into customising the car (body kits, etc), can I get parts ready available to make it look good, or do I need to pay extra to get one custom-made?
j. How long am I going  to keep this new car?

Enough with the questions, now lets see if we can give you some answers.

Q:  a. Is it going to be just for me and my partner?

Now this should have an easy answer. 
If you like 2 doors sports cars and you are not going to have kids in the near future, then a coupe model should do, otherwise we would suggest going for a saloon or even a MPV (multi purpose vehicle) type. 
The downside of a coupe model is that is very limited in space, in some cases like Toyota MR2 (just an example) only 2 seats – driver and one passenger, but there are coupe models out there that could take up to 4 people (including the driver) like Hyundai Coupe, Toyota Celica, just to mention a few. 
This can be very easily spotted by counting the number of seat-belts available.

Q: b. Is it going to be used for long drives?

If the car you are going to purchase will be used mostly for long drives (e.g. Dublin to Belfast), the smallest engine we would recommend will be 1.6 litre. A smaller engine will do as well, but it wouldn’t be as comfortable especially on motorways.

Q: c. Do I need a big engine or a small 1.0 – 1.3 litre will do? 

The answer from question b. should be part of this solution. A smaller car is very useful for driving in town, parking, less fuel consumption (cheaper to run), also a car with a small engine is cheaper to service as well, plus the cost of Road Tax and Insurance will be lower comparing with bigger engines. All these cost add up at the end of the year.

Q: d. Am I buying a car to impress others or am I buying a car for my own purpose? 

No suggestions here from us, you should try think about this yourself. We wouldn’t want to offend anybody so sorry we haven’t got a proper answer for this question.

Q: e. Am I going to be able to insure it and for how much? 

OK, so you have decided which car your are going for, you have most of the details about it (engine size, alarm fitted, etc), now is the time to make few calls looking for an insurance quote, before going to purchase it. Depending on few terms about yourself, and the car itself, you should be able to get a rough estimate of how much is going to cost you per year and what you will get for your money, for more about this (Link to Insurance page).

Q: f. How much will the Road Tax cost? 

Based on the details you have about the car engine size you can go to www.motortax.ie and download the .pdf file available.

Q: g. How much is it going to cost me for servicing this car? 

There are few factors to take in consideration when trying to figure out how much a service will cost. Our advice to you is shop around. You will be surprised how service prices can vary from garage to garage. Also a car with a smaller engine will cost a lot less than a car with a bigger engine, a main dealer will cost more than a smaller garage, but as we said shop around. Best is to ask friends to recommend a garage that they use and were happy with the service they got. We just have to say one thing, is the quality that matters not the price.
If you can get both then you are more than a Happy Customer.

Q: h. I am after a coupe  or should I be better-off getting a saloon? 

This is a hard decision to make, especially when getting a 5 years loan for your car. I mean 5 years is a long time and anything could happen. A new member to your family, could get you to sell your sport car and move to a family saloon or MPV. It happened to me and it could happen to anybody, so a decision has to be made. It’s not really a big deal at the end. You can always get a re-finance loan, trade the old car in for a new one, but usually you will lose money and if that’s not what you want take your time and think now.

Q: i. If you are into customising the car (body kits, etc), can you get parts ready available to make it look good, or do you need to pay extra to get one custom-made?

It happened before, getting the car and trying to find parts for it proved to be more difficult than ever. Doing your homework in advance could save you time and hassle in the future. The market is full of parts for customising your car to make it look good, but sometimes the cost in getting these parts shipped to your door, sprayed, fitted and making sure you get quality not quantity proves to be complicated. You found (for example) a nice body kit that will suit your future car, but is made in China. Sending a quick email to the company to see if they ship to your location, and how much is going to cost, will help. Just because you have seen it, it doesn’t mean you can have it. Now buying the parts before getting the car, wouldn’t help either. What happens if you change your mind and choose a different motor?

Q: j. How long am I going to hold on to this new car?
 
Knowing this will help you decide the term for your finance and / or how much are you going to spend to get the right car.

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