Thinking About Buying a New Car? Here Are a Few Things to Consider

Buying a new car is often as exciting as it is stressful. After all, how do you know you’re picking the right one? A new car is a tremendous investment and it loses much of its book value the second you drive it off the lot. You want to be sure that you’re getting the right make and model with all the features you need along with the comfort you want… and at the best price, of course!

Feeling lost yet? Don’t worry, we can help! We here at the Warwick Agency want to make sure that you get the right car – one that will keep you satisfied for many years to come.

We’ve put together a list of considerations when buying a new car, including advice if you’re trying to decide between buying new or used. (And, if you know somebody in the market for a car, be sure to share this guide!)

buying a new carNew Cars

Is there anything like that new-car smell? Sure, it’s a bit of a cliché, but it’s one of the things people love most about climbing into a brand-new car. And while they make air fresheners that claim to give that same smell for your used car, it just doesn’t seem the same, does it?

Still, there are other benefits (and drawbacks!) to buying new.

  • PRO — Maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car. You’re also unlikely to need a new battery, new tires, etc., for several years after your purchase.
  • PRO — Peace of mind: Your new car may have a warranty for up to 10 years and may also be covered by “lemon laws” which could allow for a replacement or refund if the car has serious defects.
  • CON — Cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.

It’s also worth noting that if you purchase a new car in its first model year (meaning it’s a new model for the automaker), there won’t be many user reviews available, and data on reliability and repairs will be limited.

In addition, newly introduced cars can have some kinks which are usually ironed out by the second and third model years. These aren’t necessarily serious issues, and the warranty should cover them, but in some instances, you and your car could be headed to the shop more than you’d like.

Used Cars

Don’t care about the new-car smell? Or are you just looking to save some money on your purchase? In either case, a used car might be right for you.

There are many advantages to buying used, but you’ll want to be a little more careful. After all, it’s hard to know exactly how well the previous owner treated the car. But you can limit your risk with a little bit of work.

  • PRO — Cost: New cars depreciate quickly after they’re purchased. By buying used, you’re letting someone else take that financial hit over the first few years of the life of the car.
  • PRO/CON — Reliability: Buying a used car is less of a gamble than it used to be, particularly with the advent of “certified pre-owned” programs many automakers now offer. However, used cars generally don’t carry the same warranties as new cars even though the original manufacturer’s warranty is usually transferable to a second owner.
  • CON — Maintenance: While a used car theoretically shouldn’t need more frequent maintenance than a new car, you’ll likely need to replace things like tires, headlights, and so on earlier than you would with a new car. And scheduled maintenance probably isn’t covered by the automaker.
  • PRO/CON — History: You’ll need to check the car’s title history to make sure it hasn’t been in a serious accident or salvaged. Ask the dealership to provide this information, usually from Carfax.

Of course, whichever car you purchase, the important thing is that it’s a good fit for you. Bear in mind that certain makes and models can result in higher insurance costs for you, so feel free to check in with us before you buy.

And, if you live around the Brookfield, CT area and have any car insurance questions, be sure to give us a call today at (203) 775-2564 (because who knows what can happen tomorrow!)

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