With the fall in the price of new vehicles and the emergence of low-cost brands like Dacia, buying a used car or choosing a new car is less obvious than in the past. lesferrets give you some advice to help you in your choice!
New car: pleasure and serenity
Wide choice of colors and options, access to the latest innovations, the pleasure of novelty, guaranteed driving in a vehicle never driven before…
These are some of the pleasures offered by buying a new car . In addition, if your car will not be unique, it will nevertheless be closely adapted to your desires, your needs and the use you make of it thanks to the many options now offered by manufacturers. After à la carte car insurance, here are tailor-made cars!
Then come more down-to-earth but no less essential considerations when making your choice. For example, by buying a new car, you do not risk ending up with a poorly maintained or more or less abused vehicle. A serenity accentuated by the fact that you benefit from the full manufacturer’s warranty , most often covering several years or a defined mileage.
Of course, a new car is more expensive to buy than the same second-hand model, but the promotions regularly offered make it possible to obtain attractive discounts. Sellers with monthly sales targets to achieve, making a decision at the end of the month or during traditionally slow months can save you a few thousand euros or benefit from free options. On the other hand, while a new car loses a lot of its value the moment it leaves the dealership, it is also easier to resell than a used car.
Regarding car insurance , on the other hand, this being calculated according to your profile, your use but also the characteristics of your vehicle, it is a safe bet that your premium will be higher than for a second-hand vehicle. Especially since it is in your best interest to opt for all-risk car insurance that will compensate you for any material damage that may be caused to your vehicle.
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Used car: the choice and the price
One or two years old, a recent car benefits from the maximum discount applied to new vehicles and which can reach 40% in the second year. This choice is interesting for fans of the latest models who cannot or do not wish to pay the price of a new car. Among the disadvantages of this solution:
- less choice than for a new vehicle
- lack of vehicle customization
- less choice than that offered by the huge fleet of cars three years and older.
This range represents the majority of vehicles made available by both dealers and individuals . In the case of a car bought from a dealership, a guarantee is often offered and sometimes more like packaged offers including credit, car insurance, a period of maintenance and assistance. Second or third hand, a used car a few years old can satisfy most needs and desires, provided you take a few precautions before buying .
In terms of savings, the second-hand market also offers you many possibilities such as:
- auctions . _ Whether it’s vehicles seized and resold by the courts or a bank or fleet cars, it’s often an opportunity to make very good deals.
- employee cars. Purchased new by employees of manufacturers benefiting from a discount of around 20%, their mileage is generally between 5,000 and 15,000 km and they are resold at attractive prices after only a few months of use. The only risk is that it has been “roughed up” by an owner assuming that he will not keep the vehicle.
Finally, car insurance for a used car is generally less expensive than for a new car. Even if many criteria are taken into account in the pricing of insurance, it is recommended, for example, for young drivers and the malussed to opt for a second-hand car rather than for a new car which will inflate their premium even more. insurance.
Especially since unlike a new car, the value of a second-hand car only very rarely justifies taking out all-risk insurance , which is the most expensive form of insurance. Most of the time, third-party insurance (the legally compulsory minimum insurance) is sufficient and if this is not the case, you can always settle for third-party insurance plus , i.e. a civil liability guarantee supplemented with options. meeting your needs.
