Where To Look For The Best New Car Offers

Choosing your new car is a very exciting time for most people

. Before you decide on the type of car you want to buy, it's important to work out your budget. What can you comfortably afford if you are planning to borrow the money?

Don't forget to include the running costs of the vehicle and things like insurance. Once you've decided on how much you can afford to spend its time for the fun part of looking for your car. Browsing on-line is a great way to find out just what is available in your price range and to check out all the new car offers.

Now, do you buy brand new and order it from a dealer or do you buy pre-registered new, already registered 'as is' with the DVLA? You don't get to choose the colour or have the option to add extras, but the pre-registered new car is about GBP 1,000 cheaper. Make sure you ask about what warranty is left.

If you decide to buy a car that is nearly new, be aware that there is no regulation in the UK that sets out just what is classed as nearly new. Realistically, a nearly new car shouldn't have clocked up more than 30,000 miles, nor should it be more than about a year old. Of course it should be much cheaper!

You can save lots of money if you buy a used car, but you have to be wary of the potential problems you could be purchasing.

There are comparison sites that do your shopping around for new cars for you. All you have to do is enter details of the car you are looking for and the site collates the data from dealers', brokers', importers' and manufacturers' sites. They even list the results with the cheapest price listed first.

If you have a good credit history, try to avoid using dealer finance. Don't over commit yourself; you'll live to regret it. Try to borrow as little as possible, and repay it as quickly as possible. Look for a cheap personal loan, or if you only require a couple of thousand that you can repay quickly, put it on a 0% credit card. If you are disciplined enough, you could use a couple of cards and when the introductory period (some are for 9 months or more) is over, transfer any outstanding balances to another 0 percent card. If the dealer charges a fee to use a credit card, it could still be cheaper for you.

Some dealers offer 0% finance, but how long does the rate last? It could revert to ordinary interest rates after a year. If it's a genuine 0 percent finance, the vehicle price might be higher. Do your homework. Ask for the price without the finance and compare loans and rates.

Using a credit card for any amount over GBP100 will get you section 75 cover. This means that if the car dealer's business collapses before you take delivery of your car, you'll get back all of your money. Some finance companies have the same credit agreement regulated under the consumer credit act as long as the finance is linked directly to the car.

Save yourself a lot of time by using a comparison web site to get the best new car offers around.

by: Roger Thurston

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