Things to consider when deciding what to buy

When buying a car, or a boat it is important to make sure that you are making a wise purchase, and that emotion is not part of the equation. Below are some factors to consider when deciding what to buy.

• What is the car or boat to be used for
• Will there be passengers often, and how many
• What are the running and maintenance costs, including fuel
• What if my circumstances change
• Can I really afford this, or is this a step to something else later

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What are the Pro's and Con's?

Private Sales are on the increase, but there are pitfalls in buying privately. There is an old saying but very true, and that is when you buy from a Private Sale you have a 1 - 2 Guarentee... "Once you buy it's too Late". There are laws that protect consumers buying from a licensed dealer. There is a statutory warranty in many cases at least, when buying privately there is not.

Many people believe that they can get more for their money buying privately, but the trend out in the market place is private sellers are getting greedy, and wanting to get the same price as you would find in a dealership anyway.

Here are some things to look out for:

• What is the market value for the car or boat? i.e. What's it really worth?
• Do I know the mechanical history of the car or boat? or can I get o
• Can I purchase a warranty for additional protection
• Is the item encumberred?

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Do I Use Dealership Finance? Go to my Bank? Or Use a Finance Broker?

So you have found the right Car or Boat for you, and you need a loan to purchase it. Loans Australia allows you to compare Many Lenders in the market place, and also gives you access to leading Car Loan Brokers. Take a Look around this page and Loans Australia website at the adverts from car loan lenders and car loan brokers that may be able to help you.

• You should be atleast looking at your finances before you start looking for a car
• If you have a good savings history with the Bank or Credit Union you save with, ask them what they can do for you, but we suggest you do not apply yet
• Find a Finance Broker and ask what they can do. They have access to a number of Lenders, so they can do the shopping for you. Often they can also get you pre-approved for an amount of money, so you know what to look for price wise in your next car
• Ask at the dealership about the finance they offer, if they do. Often they use a finance broker, or have someone there that looks after the finance for the dealership, and go through one or more lenders.
• After that sit down alone and think through the different options. Dealership finance maybe faster, or more convenient, but it may also be more expensive. Your Bank may also be more expensive than what a car finance broker can get for you.

Take your time and don't Impulse Buy. An extra day will not make any difference.

if you would like a quote on your car finance from a car finance broker, check out the adverts on this page, and throughout our website.

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Get the Best Insurance from Leading Insurance Companies in Australia

If you are taking out a loan on your Car or Boat, you will need atleast Comprehensive Insurance, but there are are other insurance Products that can protect you in various different circumstances.

You may wish to consider the following:

• Compare Comprehensive Insurance Quotes
• Warranty Options
• Loan Protection

There are a number of Insurance companies but take time to find the one that is going to give you the best cover at the best price.

The Comprehensive Insurance Quote form will get an experienced car insurance broker to contact you with some options and prices

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