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In case your record features accidents and tickets, you’ll pay more. Various studies have found that 80% of car buyers make use of the Internet to research about vehicles. Going for cheaper and common brand cars will save you more money on the insurance, spare parts and servicing. Buying a car will impact your ability to save. Obviously price is a starting point, but to help you narrow down your choices further, you need to focus on the following three factors: Quality, Cost of Ownership, and Reliability. Know the much you can spend on a car. If you have five candidates on your list, test all five. Licence Number : IRA/05/30639/2016. They’ll do so immediately they realize that your sole focus is on payment. Why this question is important is because it will help you decide on the kind of car you want so that its serves its purpose well. Therefore, you ought to select something which will meet your specific needs. 1st Floor, Rhapta Heights, Even if the second car you drive feels like the right one, it's not worth writing the others off. Owning a car in this day and age has become a necessity especially with a growing middle-class that has more disposable income. For instance, consider checking out LendingTree.com and Bankrate.com. But, following the above guide will get you in the right direction. What if you’re leasing or financing? A vehicle is a big investment so it’s important to do your research before you commit to a purchase. But, that doesn’t imply that it’s now an easy time to purchase a car. With the increasing cost of petrol now at KSh 103/litre, it can quickly bite into your pocket. In turn, that makes for a strong buyers’ market. Very few people pay cash. Another important factor that you must consider while buying a new or a used car is the fuel you are going for. It is a great step you are taking when you decide to purchase a car. Establishing your budget for a set of wheels will be easy when paying cash. If you’re among that group, you probably need to go for a used Toyota rather than a new car. You’ve found your perfect car. There is a thing called a perfect car. Wait, there’s the bad news. Next, you should look up that car’s invoice price. It’s an opportunity to evaluate factors like acceleration, handling properties, comfort levels, and the in-vehicle technology. We look at five essential factors you should look at before buying a family car. For example some are open to trade-ins just in case you are looking to up-grade from your old car. If it's more or less, so be it. Fuel is the main running expense for any motor vehicle owner although the emergence of hybrid and electric cars is starting to take shape. Every car in each automaker’s lineup is accessible for your scrutiny. They’ll know that you mean business! First, cars are known to be depreciating assets and second, they are bound to be upgraded in a few years. This sounds like a silly question to ask yourself before buying a car but it is an important one. Research on the different pros and cons of different kinds of cars before you set out to buy that car. A comprehehensive car insurance quote in Kenya can be as high as 5% of the value of the car, this works out at an average of KSh 40,000 per annum which is a hefty expense for any car owner. For example, it is important to know that cars depreciate in value so if you buy a new car, the value of that car immediately goes down in value the minute you drive it from the dealer. This research on the different dealers out there will also help you get information on the different incentives they have. The dealer will know that you are expecting a good deal. It’ll depend on your creditworthiness. While he provided a list of factors to consider before making the final decision, most fall into four basic categories: 1) your company’s financial status, 2) how you intend to purchase the vehicle, 3) what type of vehicle you want, and 4) whether it makes sense tax-wise. If it’s a just-launched/popular model, expect to pay full MSRP sticker. On top of the servicing costs of the car, we also have the annual insurance costs. You’re aware of what you need and want. In fact, the preparation should begin even before you set foot in that showroom. The struggles and hurdles facing the auto industry are unprecedented; so are the deals availed to potential buyers. Find out how different dealers have priced the car that you want. Sometimes, these sites’ coverage might be spotty and incomplete. Also, consider things like reconditioning, price negotiation, and ownership transfer. So you have narrowed down on the car that you want and are comfortable with its pros and cons. This does not just include the monthly instalment but also cost of petrol, toll and parking, which are parts and parcels of car ownership. Most cars these days will go 50,000 miles or better without any serious technical issues and many of the initial buyers will get out of them at about that point. As well, the model, make, and kind of car you intend to insure will be accounted for. Also, it’s the chance to see the cars up close and compare the different color choices available. Here, you’d be staking thousands of dollars. Then, you’d simply need to go for a car that you can afford. comprehehensive car insurance quote in Kenya, All New Full Electric Tesla Model 3 For KSH 3,000,000, Common Financial Mistakes Young Kenyans Make. In fact, a new car is the 2nd most costly item most people. For instance, there are cases where you’ll seek online reviews of a dealer you’re considering only not to find any. Then, you should understand how the amount you’d afford each month translates into a car’s price. Yes, cars eventually wear out and prompt for replacement. With so many different options out there, it can be challenging to make a decision. You’re confident that it’ll fit your budget. Car salespersons might turn your pockets inside out, why? Instead, they keep some as extra profit. You never wake up, decide to buy a new car, walk into … In honour of February, then, here are 10 things to think about as you prepare for and execute a new car buy: 1. Factors to Consider When Buying a New Car. On the contrary, you’ll pay high-interest rates if you’ve got poor credit. But, ensure that their loan terms and rates are similar to your pre-approved loan. It’s thus a wise thing to know all rebates which you qualify for. It was status symbol that only a few could afford and the others aspire to. Like anything else, have a budget in place to help you get that car. To put it into perspective, there were 85,063 cars imported into the country in 2017 which was a actually a drop from 2016 which saw approximately 109,781 come in. Consider them with a high degree of seriousness. In fact, they qualify for some rebates that aren’t even made public. Tips on buying a new car – Things to consider when choosing a new car It is only when you understand the purpose behind buying a car, that you will be able to choose the right type to be it an economy, family, luxury, sports, or an off-road vehicle. It is therefore very important to do your research on the brand of that you want. You’re more likely to acquire money for the old car if you sell it on your own. Taking these two factors into consideration, choosing a brand that is known to have a good resale value is the smart way to go forward. But again, have fun while you’re reading and learning! Buyers should choose vehicles with features that meet their needs but avoid extra features are unnecessary. These are the standard features which must be applied to all cars starts from 2017 imported or local made according to global NCAP till 2020. It’s thus time to do research to find the right car. You don’t always have the same safety nets you would have if you buy a new car. You can then file an application for a pre-approved loan. Any future home purchases. If you do decide to buy a used car, again, do your research on to know what information you need before buying a used car. It’s vital to define the differences between your needs and wants. Nairobi, Kenya You can easily make use of your pre-approved loan as a baseline against which your dealer will compete. If you do take the latter, then you also need to have a plan on how you will repay the loan which is actually a debt. In fact, that’s the main reason why there are so many models and makes on the market. However, make sure not to pay for technology and features that you will not use. We have so many car dealers in this country and some are conveniently online such as cheki.co.ke so before you set out to buy that car, compare prices. Also, put these guidelines into action. We are still in the age of fuel and diesel cars of the combustion engine since its invention in 1876 by Nikolaus Otto. The second question you need to ask yourself is, do you want a brand new car or do you want a used car. Depreciation (losing value) People, in general, do not compare car insurance policy and base their buying decision based on the low premium cost. 6 Factors to consider while buying a new car insurance in India. Take a look at your monthly commitment, and consider how much you can afford to pay for your car every month. When looking for a new car, the world is your oyster. Now, you’ll get serious about purchasing your selected vehicle. Yes, one thing to consider is to purchase a family vehicle and that calls for a lot of factors to consider. It is no lie that having a family is such a great thing, however, that means you need to consider the needs of your entire family. 0800723340 Many buyers qualify for rebates. There are a lot of things to consider when buying a new car, including safety, driving comfort and price. Try to book the car for 24 hours if you can so it's thoroughly tested. Also, consider the costs to insure the vehicle, which may be more than you anticipated. Good credit will enable you to access low-interest rates. Of course, that’s aside from a new home. Therefore, as a savvy buyer, you must always be ready. This can be done through the Kenya Revenue Authority and the National Transport and Safety Authority. The fact is that most affluent car buyers seldom keep a new vehicle long enough to fully experience the long-term costs associated with sophisticated, high-tech vehicles. In such cases, you’ll need to establish the amount you can comfortably afford to pay every month. Factor in the price of insurance, fuel, and maintenance when estimating the amount you need for your new ride. It’s thus vital that you get your choice right. Taking these two factors into consideration, choosing a brand that is known to have a good resale value is the smart way to go forward. In case it does, finance your new car through that dealership. For that reason, we’ll ensure that this guide makes you fully prepared for this potentially daunting experience. It’s real. It is however also important to research on the dealer you set your sights on to ensure you are not going to be a victim of a con. Do your homework throughout this process. People don't buy cars like they buy microwave ovens. Now, negotiate with your dealer. The availability of spare parts and servicing greatly influences the costs involved in running the car. But, ensure to factor in the registration fee and the sales tax on your purchase. You’ll relate your wants with various factors. Similarly, you might receive coupons in your mail which entitle you to such rebates. Know why you want a car and research on the best one to fit that purpose. Do you want a car to move from one point to another, do you want one for ease of movement for your family or do you want one for business. If you are purchasing your car with a hire purchase loan, consider your loan eligibility. Other factors considered include age, gender, common location of driving and your marital status. Nearly 50% of all car buyers choose a new car based on their previous experience with another make or model. Spending hours, days, and months researching reviews and comparing smartphones or laptops isn’t a cost-effective means to spend time, is it? First, you ought to establish your budget before doing anything else. First, cars are known to be depreciating assets and second, they are bound to be upgraded in a few years. However, you’ll endure all the hassle that accompany advertising, arranging for test drives, and the necessary paperwork. This means if you make a purchase, I may receive a commission at no cost to you. In fact, that’s a reassuring sign that you will win the bet at hand. Some dealers can help you get the right financing for your car and help you with the paper work that is needed. Total costs of ownership add up quickly. First, ensure that you’re aware of what your credit rating is. A new car is an investment; it’s something that you will use for many years, meaning that you should carefully choose your car. But, they barely spend the same amount of time to research new cars as the rest of the populace. This is because the second hand cars may not have their manufacturer presence in the country. Common brands like Toyota have continued to excel in the Kenyan market because of the availability of cheap spare parts and technical expertise in garages and service centers. This has however changed over the years with more and more car brands competing for sales hence bringing the cost of cars relatively low depending on the brand you want. Take keen notes. Everyone now wants the convenience that comes with having a car but getting one is not like picking a packet of milk from the supermarket. What factors are considered when buying a new car? As a result, financing, trade-in values, and rebates are currently the best we’ve had for so long. Through research you will also learn that it is important to have a car inspected before buying it and especially a used one to avoid buying junk in the name of car. It’d be right to call such people brand loyalists. On the other hand, there’s the Manufacturer’s Suggested Retail Price, often known as the ‘sticker’ price. This is perhaps the most factor to consider when buying a car especially the second hand cars. Worry not, though. Now, you already know the car that’s right for you. 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