Congratulations! You’ve passed your driving test, and now the world—or at least the UK’s road network—is your oyster. But before you cruise the streets, there’s that small matter of finding the ideal set of wheels. And let’s face it: with the cost of living crisis and increasing insurance premiums, choosing a car isn’t as straightforward as it might seem.
Whether you’re planning to zip around the city or hit the motorways, here’s a quick guide to help you get the right vehicle.
Determining your budget and understanding overall costs
It’s easy to get swept away by low-priced models, but be cautious; sometimes, a bargain can turn into a money pit with ongoing repairs, tax and insurance. Budget not only for the motor itself but also for every other expense you might need to pay along the way.
You could be tempted to stretch for that slightly newer vehicle with a few extra bells and whistles but think realistically about your monthly outgoings. Many people opt for finance deals, but if you go down that route, make sure the repayment terms align with your income.
New vs. used: Deciding what’s best for you
This is the classic debate. A brand-new car means fewer reliability worries, modern features and typically lower repair costs in the initial few years. However, they depreciate rapidly. For example, some lose as much as 35% of their worth within the first year, so you’ll rarely ever get back what you paid.
Second-hand vehicles, on the other hand, offer far more value for money upfront. They’re often better equipped for the price, and depreciation has already hit, meaning you get a lot more for your cash.
For first-time buyers, a ‘nearly new’ or a well-maintained used motor is often a savvy choice.
Choosing one with cheap cover
Premiums for new drivers are notoriously high, but certain automobiles fall into lower insurance groups, which means cheaper expenses. When you’re browsing dealerships, consider models with smaller engines and are recognised for good safety records, like the Ford Fiesta.
Remember that young driver insurance can be significantly influenced by the type of car you choose. Before buying, check the group it belongs to to estimate how much you’ll need to pay.
Taking time for a thorough test drive
Once you’ve found one that ticks all the boxes, take it for a spin. This helps you get a feel for the handling, visibility and comfort. Try it out on different road types, and if possible, bring a friend or family member with you for a second opinion.
In short, getting your first vehicle is an exciting step, but one that requires a careful balancing act. Stick to these tips, and you’ll be well on your way to finding one that’s perfect for you.