Whether you’re looking for a new car because you’re growing your family, or you’re done having kids and you’re looking for something a little bit better suited to you, buying a car can be a tricky subject. From making sure that you have enough room to ensuring that you can afford it, there’s lots of things to think about!
So, we’ve put together a little guide to help you.
Is it Affordable?
I think one of the most important things to think about is the affordability of a new car. The first place to start is how you intend on paying for a new car and what your budget is. There are lots of different options available out there, so what you do is truly down to you.
Most people arrange car finance and get a loan, which they pay back on a monthly basis. However, this isn’t always the best option, particularly if you don’t have a great credit score or you don’t have lots of money for a deposit. But don’t worry, because that’s where brokers that specialise in bad credit car finance come in handy. They will usually work with a number of different companies that offer a variety of financial products, which is why you’ve got a better chance of successfully arranging a loan with a broker than just applying with one car finance company.
When budgeting for your new car, it’s important to remember that you’ll have running costs to pay as well as repayments. These include things like fuel, tax and maintenance costs.
Does it Suit Your Family?
Every family is different. From the ages and numbers of kids to the types of activities that you’ll be doing in the car, you need to know that the car you choose is one that’s going to cope with the job. The good thing is that car manufacturers are clued up to the things that a family needs.
Space – can you fit everyone in comfortably? Think about actually getting in the car as well as legroom and headroom. Remember the dog (if you have one) and any equipment. Think pushchairs, sports equipment and food shopping.
You’ll also need to consider the type of car, depending on the places you’ll be driving. If it’s lots of motorways, then you may need something more comfortable than a small city car.
Don’t Forget Safety
As a family car, safety is an important consideration. Take a look at the Euro NCAP safety rating. It will give you an overall score, but they are broken down into individual ratings for adults, children and pedestrians. It makes sense to have a good rating for the occupants of the car, but make sure that you take a look at the pedestrian rating too.
No one wants to have an accident, but it’ll give you peace of mind, just in case.
* This is a collaborative post*