Should I buy a car or not

Buying a car - Buying a new car in an informed and safe manner

For some people, a car is just one Commodity, for others in turn Status symbol and for tuning fans, your vehicle is both hobby as well as an expression of their personality.

As different as the car owners are, so too are the needs when they have one Buy car want.

There are many questions to answer before buying a car. Which one Manufacturer and which one model is an option for me? Should I buy a new, used or a year-old car? Where can I buy cheap cars?

Buying a car: In a nutshell
What should you consider when buying a car?

First of all, you need to consider whether you want to buy a used or a new car. The next step is to set yourself a financial framework.

How can you determine the value of a car?

With a vehicle valuation you can reliably determine how much a used car is worth.

What information must a sales contract contain?

In order for the sales contract to be valid, different information must be provided. You can find out more about this in our guide to the purchase contract.

What is better: Cash or financing? How is the price of a vehicle affected? Where can I find good offers? These and other questions should be answered here.

Before Buying a Car - First Considerations

In many cases, when you want to buy a car it means one great investmentthat you should plan carefully - after all, your new car should give you years of pleasure and be reliable. If you are still unsure which car to buy, do it beforehand answer the following questions:

What price can you pay?

This is the most important question when buying a car. If you have a low budget, buying a new or year-old car is usually out of the ordinary. Also keep in mind that after purchasing the vehicle further running costs to come towards you.

One of the most important items is certainly that Car insurance. In Germany, every car must have at least one liability insurance.

Partial and fully comprehensive insurance bring more benefits and better protect you and your vehicle, but are also more expensive.

The Amount of contributions However, it is not just on the type of insurance, but also depends on many other factors. This includes the insurance provider and the make and model of your car. Young drivers also pay higher insurance premiums than experienced drivers.

Also when you buy a car you shouldn't forget that you get the once a year Pay road tax have to. The amount of the tax is influenced by various factors. This includes, among other things, the type of engine, the displacement and the emission class of the vehicle.

In Germany, only safe vehicles are allowed to be driven on the road. To ensure this is the regular general inspection (HU) mandatory. New vehicles have to be examined 36 months after their initial registration, after which, as for all other vehicles that are used, the general inspection is due every two years. Also need to be regular Inspections be performed. Especially with older vehicles you should keep in mind that here more often Repairs costs may arise.

Another important item that you shouldn't neglect is that Fuel costs. Depending on how many kilometers you cover on average and whether you Diesel or gasoline refuel, there are different costs.

City dwellers in particular know problems with limited parking space. Not everyone has the luxury of free parking. So in many areas you have to Rent for a parking space or pay a garage.

Before you buy a car, you should get one precise overview of your financial possibilities create. Think not only of the purchase price of the car, but also of the costs that will be incurred after the purchase.

How many kilometers do you cover on average? Which routes do you mainly drive?

Anyone who travels a lot in the city and frequently drives short distances has different demands on their vehicle than a commuter who covers long distances on the motorway. So before you buy a car, you should think twice, what purpose your car should serve.

For Frequent drivers is usually worth it diesel. Here the acquisition costs are usually higher than for an equivalent gasoline engine, but the diesel costs are lower. With many kilometers covered, a diesel vehicle is therefore worthwhile. With frequent Short haul can, however, be a cheaper one Gasoline engine be the right choice.

How many people are in the car? Do you often transport a lot of cargo?

When it comes to deciding which car you want to buy, that also plays a role Size of the car a significant role. If you are often traveling alone, is a Small car mostly the right choice. For Familys station wagons, vans or SUVs come into question that more space in the interior Offer. Traderswho carry a lot of cargo often choose to have one Transporter to buy - both used and new cars are available in many designs.

Even those who plan, often by car on vacation to drive should have one bigger car think. If you can put a lot of luggage in the trunk, you can, for example do without a roof box. Although this creates additional storage space, it has a negative effect on fuel consumption. On the one hand, this is caused by the fact that the box represents additional weight. On the other hand, all additional parts attached to the outside of the vehicle increase the air resistance of the car. So the vehicle has to generate more power to move forward, which leads to higher fuel consumption.

Used or new cars?

An important decision when buying a car is of course this: Should it be one New car or rather a used one be? Next to the financial aspect play here too further points a role.

The new car - the latest technology and freely configurable

On the one hand, a new car always has a certain quality Prestigiouswhich is of great concern to some car owners. When you buy a new car, you can get yours too Put together your dream vehicle. Whether color, equipment or extras - you can decide freely about all of this. Also, for the most part, they are new cars less prone to repairs than used vehicles. You are on that current state of the art and thus have lower fuel consumption and pollutant emissions.

However, it should be remembered that a new car is just in the first few years greatly diminishes in value - already in the first year this is about a fifth of the total value of the vehicle.

Another possibility is that Purchase of a demonstration car. This is a vehicle that is used by dealers for test drives or has been exhibited in the dealership. He usually has one low mileage and no to few defects on. If you want to buy a demonstration car, it is usually cheaper than an equivalent new car. Instead, there is no longer any possibility of freely selecting the equipment.

The used car - wide range, low prices

Who doesn’t care about buying a new car or having one lower budget usually chooses one used cars.

Also Novice driversThose who buy their first car usually opt for a used one - on the one hand because of the price, on the other hand because a dent or scratch is less annoying here than with a new car.

On the used car market you will find a huge range of vehicles of all brands, models, years of construction, equipment and mileage. Due to the great competition between the different providers and sellers, you can usually expect low prices and a Buy cheap car.

However, when buying a used carsome things to consider. For one, you have to be with higher repair costs than with a new car. This is due to the older age of the vehicles.

In addition, are usually found on the car Signs of wearcreated by the previous owner. Also, keep in mind that a used car has a shorter lifespan and the purchase of a successor is due earlier than with a new car.

If you have little knowledge of the subject of cars and buying a car, it is also advisable to take a relative or acquaintance with you who is well versed in buying a used car. He can give you valuable tips and the Examine the car for possible weak points. In addition, always insist on a test drive to test the driving behavior of the car in traffic.

Buying an accident car - a good idea?
There is also the option to buy accident vehicles. These are cars that significant damage exhibit. Just for tuners and hobbyists this can be the opportunity to buy a cheap car. With a lot of personal commitment, a car that has been involved in an accident can become a gem again. However, these are necessary know-how as well as sufficient financial resources for spare parts and the like are indispensable. But not only cars that show the damage straight away are called accident cars. This is also the case with vehicles that repaired after an accident were. The seller should always point this out to you. It also affects previous damage depreciating out.

Which car brand and model should it be?

Once these first basic questions about buying a car have been answered, you can contact Car makes and models to inform. Above all, that play here financial budget as personal preferences plays a significant role when buying a car.

The following brands were among the most popular in Germany in 2014 and 2015:

  1. Volkswagen
  2. Opel
  3. Mercedes Benz
  4. ford
  5. BMW
  6. Audi
  7. Renault
  8. Skoda
  9. Toyota
  10. Peugeot

So they are right at the forefront of favor with German motorists German manufacturer. Many people rate these as down-to-earth and reliable. But also foreign automobile manufacturers, such as Nissan or Toyota, are becoming increasingly popular. In recent years, more and more have been established cheap car brands - this includes, for example, Dacia - which advertise aggressively with their low prices.

Once you have decided on a car manufacturer, the next step is the model you want to choose. This concerns both the size of the vehicle, the engine, the external appearance and other factors. A particularly popular model is, for example, the VW Golf, which has been in production since 1974 and is one of the most popular cars in the world. It is now in the seventh generation.

What comfort and what equipment do you want?

There are now a wide variety of brands and models for all car brands Equipment packages. While some motorists on a Full equipment Value is enough for another Basic equipment.

An important point is that Color of the car. Many vehicle owners see this as an expression of their personality, which is why this plays an important role in the selection process.

Remember, however, that fancy colors are the Resale value negative influence can.

Popular colors, such as black and silver, as well as paint in metallic colors however, increase the valueif you want to sell the car again.

Other useful equipment features are, for example:

  • Automatic air conditioning: This provides one at the push of a button pleasant temperature inside the car. The set temperature is set automatically. In contrast to this, in a semi-automatic or manual system, the blower must be set by the driver himself, which many find annoying.
  • Seat heating: This ensures cozy warmth through the Warming of the seat surfaceswhich many drivers find extremely pleasant.
  • Navigation device: This is mostly permanently installed in the dashboard. It guides the driver comfortably from A to B. Most drivers do not want to do without this anymore.
  • Parking aid: More and more vehicles have a parking aid. Acoustic signals help with parking and thus prevent damage to your own or another vehicle. This is particularly useful and helpful in large cities, where parking space is limited.

Popular and popular additional equipment can do the Increase the resale value of the car. But more does not always mean better. Many of the optional extras offered by car manufacturers are unnecessary and offer no added value for most drivers. In addition, electrical devices in the car use additional electricity, which increases fuel consumption. Keep this in mind when buying your new car.

Buy tuning cars
If you want to buy a tuning car, you will find many on the Internet special used car exchanges. Members of the tuning scene will find all known brands and models in a wide variety of designs here. However, if you want to buy a tuned car, you should remember that all Changes have to be approved by a test center. You must keep all documents with you at all times in the event of an inspection.

Buying a car - where can I buy a car?

If you want to buy cars, you can in different ways to do. Many buyers who want to be on the safe side turn to a car dealer your choice. But that Internet is becoming more and more important when buying a car. Different manufacturers, services and prices can be compared with one another from the comfort of your own home. And also in newspapers and on notice boards you can still find classified ads in which Private individuals offer their used vehicles.

Buy the car from the dealer - personal contact with the contact person

Buy your new car from a dealer, you have one personal contact person, with which you can clarify all important points in the conversation.

You also have the opportunity to come back to the dealer if there are any problems with the vehicle that may arise after the purchase. As a buyer, you benefit from the Warranty obligation.

Material defects, the up to two years must occur after the time of delivery eliminated by the seller free of charge become.

However, the following should be noted here: Must be within the first six months of the conclusion of the purchase contract the car dealer can prove that the defect did not already exist when the vehicle was handed over. After this period of six months, the burden of proof then rests with the buyer.

At the Used car purchase however, different rules apply. Here, the removal of normal signs of wear and tear cannot be requested retrospectively.

Buying a car from private - this is to be considered

If you want to buy a used car and do not value the guarantee that is offered by a dealer, then there is the possibility of buying the vehicle from a private person. This is especially worthwhile with older vehicles with high mileagewhich are usually offered for a low price. Especially those who want to buy their first car often do so in this way.

However, there are a few things to keep in mind here. Most private car dealers do not have the vehicle checked in a repair shop before selling it. You should therefore take a knowledgeable person with you to visit the check the car once can. A look under the hood can be very informative. You should check that the hoses are porous and that the fluid levels in the oil, cooling water and steering gear are OK.

A Test driveis of course a must here. Any deficiencies can also be identified quickly in advance. It would also be best if there were also the option of taking this test drive Examine the underbody of the vehicle. In this way you can determine whether there are any rust spots and oil leaks. Also the Exhaust system should always be checked.

The downside to buying a car privately is that the Warranty is usually completely excluded becomes. If you find defects on the vehicle shortly after purchasing it, you cannot always complain to the seller or return the vehicle. Only if the Defects fraudulently concealed the buyer can withdraw from the purchase contract. The seller then has to take the car back.

You have to weigh these advantages and disadvantages against each other. You can buy a car cheaply from private individuals, but you have it less security than with a dealer.

Buying a deregistered car - what you need to consider
If you buy a car privately, it may be a deregistered vehicle. Please note that with such a car Trial and delivery trips only with one Temporary license plate possible are. An electronic insurance confirmation must be available to apply for such a license plate. The license plate is then valid for five days. Once the car has been transferred, it can then be registered as normal.

Buying a car on the Internet - discounts and low prices

Buying a vehicle on the internet is becoming increasingly popular. No wonder, they are common here big discounts offered when buying a car.

With the help of Comparison portals you can compare the prices for your dream car across Germany and find the cheapest price. So are depending on the manufacturer and model Discounts of up to 25 percent possible on the list price.

Especially with Discontinued models can you from high discounts benefit. The choice of the car manufacturer can also play a major role here. Foreign manufacturers in particular often offer significant discounts.

The broker portal - find the new car at the lowest price

You can also register your Put together your dream car with all the extras you want. Features such as engine power, paint color, electrical devices and other special equipment, such as leather seats, are usually freely selectable. The Intermediary portal then lists the best prices for the model.

At that price, however, you still need the Transportation costs to be added if you do not want to collect the vehicle from the factory yourself, but from the dealer in your area. In many cases delivery to your home is also possible, but this increases the costs even more.

The large and well-known portals work here as intermediaries between you and the manufacturer or dealer. The exhausting and unpleasant one for many buyers Price negotiations are therefore no longer necessary. Nevertheless, you benefit from the regular guarantees. In addition, there are usually no agency fees for you. Usually there is no possibility of taking a test drive.

Car exchanges - new and used cars in abundance

Another way to buy a car online is by clicking on Car exchanges to look for a suitable vehicle. Dealers and private individuals sell all kinds of vehicles here, from new, annual or demonstration vehicles to used vehicles.

In contrast to the broker portal, the dealers set up the cars here and set the price themselves. Here is one Price negotiation is therefore possible, as you can get in direct contact with the seller and do not have to rely on an intermediary.

But private individuals can also offer cars here. There are also many here black sheep. Be careful if someone offers too cheap prices or on one Payment in advance consists. Also, you should always use the Check papersbefore you sign the sales contract.

Buying a car abroad - EU imports and co.

Often there are cheap offers for so-called EU imports. In some countries the prices for new cars are much cheaper than in Germany, as the purchasing power of the population is lower there. In other countries, such as Sweden, there are very high taxes on new cars. So that the cars are bought anyway, they are Net prices quite a bit there cheaper than in Germany. If such a vehicle is imported into Germany, you only have to pay the German VAT rate. This means that the total price is usually below what you would have paid in Germany.

EU import vs. re-import
At a EU import it is a vehicle which launched in another EU country but is then sold and transported to another country. At a Reimport the vehicle was manufactured in Germany, then exported for sale abroad and subsequently reintroduced to Germany. For example, if you want to buy a car made in Germany that should be sold in Austria and then import it back into the country of origin, it is a re-import.

The quality of an imported car is not lower than that of any other comparable vehicle, however, depending on the country, the Differentiate between equipment features. Most cars from the Mediterranean region have air conditioning, but heated seats are rather unusual.

However, if you are planning to buy such EU cars, you should note that this is a high administrative burden can bring with it. On the one hand, the Overpass be clarified. On the other hand, you have to go to the tax office to get the value added tax to pay. You must also present all the necessary documents to the registration office, where you will then be issued the German registration certificate Part I and Part II.

Many car lovers have a special soft spot for american cars. There are a few things to consider when buying a car like this. For one thing, it has to Import clarified become. In Germany, a Retrofitting necessaryso that the car can be approved for German road traffic. Also, when buying US cars, you need to keep in mind that Accessories and spare parts often difficult to get and mostly through special dealers very expensive are.

Negotiating prices when buying a car - Important tips and tricks

Regardless of whether you are buying a new or used car and whether your contact person is a car dealer or a private seller: If you buy a car, you should always go to price negotiations well prepared.

In many cases, your counterpart will meet you in terms of price and in some cases even reduce the purchase price to be paid for the vehicle over 30 percent.

Follow our advice to be as successful and as possible the best price for your dream car to reach.

  • Make a stand before the negotiation fixed price limitwhich you do not want to exceed under any circumstances. So you never lose sight of your financial budget. Of course, you shouldn't tell the seller this limit. First, set a lower amount and see how the seller reacts to it.
  • Remember to act confidently and confidentlywhen you buy a car. Many salespeople take advantage of the uncertainty of their customers and try to convince them of too expensive offers. Your occurrence is also related to your occurrence outward appearance. When we are faced with an unknown person, our first impression is decisive. And this is also strongly influenced by the appearance of the person and his clothing. A serious wardrobe can make you appear more competent, which can have a positive effect on the sales pitch.
  • Use comparison portals and the websites of car manufacturers and dealers to find out about the equipment and prices of the different models. But who well informed can get the best price when looking to buy a vehicle.
  • Buying a car should always be carefully considered. In no case should you act rashly. Take your time and above all bring you patience With. If the seller notices that you really want to have a certain model or urgently need a car, then this price will not suit you so much.
  • You are under no obligation to the dealer and you can Cancel the sales pitch at any timeif a price agreement is not possible.
  • Take one another person for a sales talk with. This is especially helpful if your auto and car buying knowledge is limited. The other person can be yours stand by your side and make suggestions and ask questions that you may not have even thought of.
Good to know:
For larger cars, such as sedans or SUVs, higher discounts are often granted on car purchases than on small cars. If the seller cannot accommodate you in terms of price, you can always try To negotiate additional services. These include, among others:
  • a set of winter or summer tires
  • a warranty extension
  • a free inspection

How can the new car be paid for?

When the decision has been made as to which car you want to buy, it remains to be clarified how the vehicle should now be paid for.

The cash purchase

For a long time, the rule was that greater price reductions were to be expected with a cash purchase than with a financing. nowadays however, many dealers prefer financingbecause they regularly receive money from the customer over a specified period of time.

When negotiating a price when buying a car, you should always go first act as a cash payer. If an agreement has been reached on the price, you still can switch to financing and get advice on this.

More and more popular: car financing

If you don't have enough financial means to pay cash for your new car right away, insist various possibilities of car financing. Sometimes this can even be cheaper than buying in cash. In the following we would like to introduce you to three options:

  • The classic car loan
    With a classic installment loan for car financing, you pay fixed monthly rates over a set period of time. At the end of the term of the loan agreement, the car is paid off and becomes yours.
    The Monthly rates is determined by how expensive the car ishow long the loan agreement should run and how much the down payment will be. However, some providers allow you to buy a car without paying a deposit.
  • The balloon funding
    The balloon financing is usually tempting very affordable monthly rates. These are possible because at the end of the contract period a high closing rate becomes due. When you pay this final installment, you ultimately become the owner of the vehicle.
    If you choose this form of car financing, however, you should know in advance how you will pay this high final installment build up financial reserves. If you cannot pay the last installment, one can Follow-up financing to get voted. The balloon funding then becomes three-way funding.
  • The three-way financing
    With three-way financing, you have three optionsto pay off your car. It all assumes that you pay monthly installments over a set period of time. The following options then exist at the end of the contract period:
    On the one hand, you can easily pay the final installment. This is the normal balloon funding. After paying the high final installment, you will own the car. If you cannot pay the final installment, a contract for a Follow-up financing be completed. However, the conditions for this new loan agreement are usually much worse. But there is also the possibility return the car at the end of the term. The dealer then replaces the financing with the previously contractually agreed repurchase price.

Want Hartz 4 recipient Buying a car is often associated with this many difficulties connected. On the one hand, in most cases there are hardly any financial reserves, so that a cash payment of the purchase price for the car is not possible. On the other hand, people with poor credit ratings get no credit from financial institutions. Financing is therefore also not possible. If the recipient of the state benefits is dependent on a car, there is usually only the option of a relative or friend with sufficient creditworthiness applying for and taking out the car loan.

Auto leasing - cheap options for the self-employed

If you are sure before buying a car that you do not want to keep the vehicle for long, then leasing would also be an option. Here you pay monthly rate and thereby acquire the right to use the vehicle. So you don't buy the car, you buy it rent it. At the end of the term then return the car to the dealer. However, you may have to pay back payments here.

In some cases it is also possible to do that Leasing car to buywhen the term of the contract has expired. However, this must be Option to be specified in the leasing contract. So if you know in advance that you want to keep the car, you should prefer car financing.

Car leasing is particularly useful for self-employed because the costs can be deducted in full as operating costs for tax purposes.

Conclusion

Anyone who wants to buy a car has many possibilities. However, there are also various dangers lurking in the car market. Therefore, you should take enough time and compare all offers thoroughly and check.

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Buying a car - Buying a new car in an informed and safe manner
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