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Buying your first car

A comprehensive manual encompassing everything you need to know to buy your first car.
by

Yash Bhatt

on 11 October 2012

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Transcript of Buying your first car

Fuel for thought.. The very first step is to decide how much you will spend on buying a car, but also consider insurance, registration, fees, cost of damages and fines (hopefully not); so don't spend all your money on the car! What type of car Lets all admit it; buying your first car may be daunting and complex. There are hundreds of makes, models and types. You have to consider insurance, registration, servicing...The list never ends.
But don't worry your have come to the right place, we have done all the hard work,

This is a comprehensive manual to buying your first car. Buying your first car Decide how much you want to spend Now that you know how much you will spend, the next big question is what type of car you need. Where to buy your car Buying from different people (cc) photo by medhead on Flickr Once you decide how much to spend don't go over it. Online Private Sellers Without any money, you can't buy a car. There are many finance options when buying a car:
Getting a loan
Savings
Job Its best to rely on more than one way of financing, because you get more money. A loan from parents is a good way, because you don't have the pressure to pay back as fast, pairing it up with your savings and a job will get you the finance you need. Roadside Buying a car privately involves using
your own judgement and knowledge. The prices are usually cheaper as many of the cars are second hand. There are no guarantees when buying from the roadside and should always be avoided.
Those car are probably stolen and are being sold to you. Auction Purchasing online goods from overseas does not protect you with consumer protection laws The Register of Encumbered Vehicles is a service provided by NSW Fair Trading which records whether a vehicle could be owing money or the registered owner does not own the vehicle outright.
Make sure you do this, because if you are caught with a vehicle with money owing on it, you'll have to pay it.
Also, buying an encumbered vehicle could cause it to be repossessed. Buying from an auction does not provide a warranty and requires a 10% deposit Safety Security Bring along a mechanic or a professional to inspect the car. They are trained at their profession and they can tell you all the nitty-gritty stuff and give you the final thumbs up. Car Market Registration Dealer Stamp Duty The Office of State Revenue charges stamp duty when a vehicle is registered under your name for the first time. RTA collects this stamp duty. You will have to pay stamp duty on the market value or the price you paid, whichever is higher. Stamp duty is 3% of the value up to $45000, then above that price it is 5%. Car Insurance Things to Check There are two types of insurance for your vehicle; Third Party property insurance, which covers for the damage you may cause to another person’s vehicle, or property and Comprehensive, which provides third party property cover and also covers your car for accidental damage, theft and fire. The costs of Insurance are influenced by the vehicle itself, your age, your address and many other different factors. The general price for a $15000 car is around $100 per month. Running Costs Green Slip Before you can register your car you must have purchased a green slip (Compulsory Third Party personal injury insurance). In case of an accident the green slip covers medical costs for your passengers, other road users such as pedestrians and injuries caused by the use of a trailer. However it does not cover your personal injuries if you cause the accident and damage to property and other vehicles. Fuel Fuel is what your car runs on, without it, your car won't budge. The cost of fuel depends on the car's fuel consumption, your driving habits and the type of fuel your car needs. Maintenance Keep some money aside for servicing, repairs, defects and accidents. Keeping your vehicle well maintained will increase its usability and keep value. Fuel Economy Great way to keep running costs down, especially if you drive a lot.
Does its part to the environment too. Service History This is very important, it is like a car's biography. The service history has information regarding the performance, repairs, and problems of the car. Markets are a group of private sellers and buyers in one place meaning you still must rely on your judgement and there are no guarantees or warranties. Markets can also be an outlet for stolen vehicles. Odometer The mileage indicates the car’s age. A normal driver on average will drive anywhere around 12,000 to 18,000 kilometers a year; however, this depends on many factors. A car which has done many kilometers in a few years is not as good, because the engine would have been used a lot, but on the other hand, buying a 10 year old car with very low kilometers is not necessarily a good thing. A foam residue on the inside indicates a leaking head gasket. Forget that car. Its expensive to fix. Oil Filler Cap Safest place to buy a car. Dealers are obligated to provide warranties in certain conditions and offer test drives before a purchase. They also accept a greater range of payment options and provide their own loaning finance and insurance. Brakes Check to make sure the brakes are working efficiently. You shouldn't hear any squealing or strange noises or feel any vibrations from the pedal. Also check brake pads/ calipers for any damage or wearing. The Engine And everything you need to know... Pull the transmission dipstick and check the color and the smell. It should not look or smell burnt. The Building Blocks The First step The ANCAP safety rating provides a rating judged on many factors telling us how safe a car is overall out of 5. ANCAP judges the structural integrity, a sound structure is vital when it comes to saving lives. It judges how the structure moves the force away from the passengers. It also evaluates internal structures such as airbags, anti lock braking systems (ABS), electronic stability control (ESC) and the seat belts. Search Databases such as carhistory.com.au to check the accidents, services, repairs and other incidents this car has experienced.
When picking a car this should be priority one. Air Conditioning How easy is it to steal from the car?
Does it have an alarming device?
Obviously you will need a car with an alarming device,
and make sure you don't leave any valuables in the car. Check to see whether the air conditioner is working well and put it through different levels of temperature and pressure. Bring that extra experience REVs Check Transmission dipstick Cruise Control This makes driving that bit easier,
Cruise control lets you lock in a speed and then you can get your feet off the accelerator, great for long trips. Power steering Nowdays in every car, but a must have.
Makes turning much easier. Servicing An important part to keeping your car performing at its best.
Services are spaced a few months apart. In services they do checks on the vehicle and tweak and fix up any issues. What type of car? All cars have their own advantages and disadvantages:
SUV's/ 4WD have a lot of space and are very versatile but are gas guzzlers. Hatchbacks are smaller and quieter and are very economical. Their size makes them easier to park and handle for young drivers. Interior Get inside the car look at all the lights on dashboard and on the display, they should all be functioning. The upholstery should not have any tears, rips, stains, or other types of damage. All cabin lighting should be working and all instruments should be functional Welcome! Pre checks Vehicle Checks Ideally go for a small or mid sized car with a good fuel economy and one which is not too expensive to run. Lights Get someone to push the brake pedal and see if all tail lights and headlights are functional. Also check indicators. Registration is a must. You must register your vehicle as soon as possible to RTA so your vehicle may be deemed legal to drive on roads. The vehicle registration must be renewed each year. The price of registration for a smaller car is $245 for a vehicle under 975 kilograms. This is a defining stage, don't go for a car which necessarily looks the best but instead one which fulfills your needs and performs well. Nathan Money Stuff Inspect the engine for anything not looking right. Look for dark brown oil stains on the engine. This will indicate that there is a leak in a gasket,which is not cheap to fix. Check reservoir and brake fluid for leaks. The belts should look new (i.e. not have cracks or signs of drying), as the older they get the more likely they are to snap. Check the timing belt, the most important belt in the engine and the most expensive thing to replace. By Tyre Threads The tyres should ideally have a good threading, which provides grip, control and reduces stopping distance. Some nice things to look for when buying a car. Like it?? Don't Buy it yet!! When you have decided on a car, take it out on a test drive.
On the road, test its pick up, braking and its features. Don't buy a car which looks good but doesn't perform as well. Comfort Don't buy a car if you aren't comfortable with it, because you will only enjoy it if it is comfortable and satisfies your needs. Competition 2012 Fort Street High School 2012 Yash Zhang Sam Bhatt Johnson Kevin Zhang And the time for you to get on!!!! Well, that's the end of road for us... And remember... Be a Smart Consumer!!!! Made up your mind? Too expensive?? Bargain, bargain, bargain should be your motto, even if the car is within your budget. A couple more hundred dollars in your wallet won't hurt anyone.
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