From car finance to insurance to running costs, these details are worth checking out before you sign the dotted line at your dealer.

What about car financing?

When it comes to buying a car loan, always look at the total cost rather than the monthly repayments. Monthly or weekly repayments can often hide expensive transactions. Always compare loans and loans on an annual rate (APR) basis. Interest and fees are included, so this is basically the actual cost of borrowing money. The lower the APR, the better the loan agreement. Longer repayment terms mean less monthly payments, but higher total costs, so the more monthly payments you make, the faster you can get out of debt, so negotiate the highest monthly payment you can comfortably afford. please give me.

Will changing my car affect my insurance?

Determine the additional costs in advance, as car modifications are likely to affect your insurance. Find the best deals by comparing other insurance companies online. The more quotes you have, the more likely you are to find the cheapest one. But remember to compare all insurance quotes on an like-for-like basis. Some insurance companies may offer accident coverage as an optional extra charge. Otherwise, please review these details as they come with a policy.

What about running costs?

Calculate exactly how much you will spend on petrol, diesel or electric. This allows for better planning. Don’t forget to include costs like car tax, parking, NCT, etc.

What do you need to know about tires?

Tire replacement is an expensive and necessary feature of car ownership, so it’s important to know how old the tires are on the car you’re buying. Tires that are 6 years old are NCT’s “Pass Advisory” item, so you should consider replacing them at this point, and if they are older, you should definitely replace them. Buy the best tires you can afford. Don’t be stingy.

top chip

Tire sidewalls have a 4 digit code (e.g. 1120). The first two digits of the number represent the week of manufacture of the year, and his next two digits represent the year of manufacture. So 1120 here refers to his 11th week of 2020.

How much does the car service cost?

Maintenance is an integral part of car ownership. Regular servicing won’t prevent your car from breaking down, but it can help reduce the risk. Prices can vary wildly, so do some research to get a better idea of ​​what a full service will cost.

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