Changing Your Car? Here’s Five Things to Consider

Getting a different car involves more than just picking out a new model. 

Whether you need to accommodate a growing family or you’ve got a longer commute coming up, it’s important to choose a model that suits your needs.

Making the best possible choice can feel a little bit tricky – especially when there’s so many cars to choose between! In this guide, we’ve covered five of the most critical steps and considerations to help you through the process – from functionality to financing. 


  • Assessing your needs

Firstly, you’ll need to find and identify the right type of car for your lifestyle. A few of the most popular options include:

  • Hatchbacks: Sensible, often economical cars. Usually medium-sized with ample room for passengers and some luggage storage, these make a great choice for commuters and small families. While many hatchbacks focus on value and affordability, some offer higher specs.
  • SUVs: Leaning towards the luxury market, sports utility vehicles (SUVs) make a popular choice for large families, countryside commuters, and rural adventurers. They have extra capabilities for speed and power over mixed terrain, with stylish exteriors and highly technical features. 
  • Coupes: Ideal for romantic road trips and city escapes, a coupe car typically features low, sloping body design and an interior designed for two people. The BMW 2 Series is one of the most compelling examples of a modern coupe with all the right appeal.


  • Researching and comparing

There are plenty of other car types on the market too, including pick-up trucks, crossovers, minivans, and more. Don’t forget to consider engine size, fuel and transmission type, and estimated resale value or model appreciation. 

You should choose based on size, practicality, and performance. Do you need something large and durable, or is an electric supermini the missing piece to your city commutes? Do your research and find out.


  • Setting a budget

Next, you’ll need to set a realistic budget. It might be easy to get carried away with ideas of your dream car, but you’ll thank yourself for spending only within your means. If your previous vehicle is still in good condition, why not consider a part exchange?

Consider your monthly incomings and outgoings. Aim to spend around 10% of your monthly income on all motoring expenses, leaving some wiggle room for fuelling costs if you cover a lot of miles. If you’d struggle to afford the most practical option, it could be worth looking into car financing options like hire purchase.


  • Booking test drives

Next, don’t forget to book a test drive!

You’ll only get a feel for the car if you can get behind the wheel and see how it handles on the roads. If you need the familiarity of your usual routes, it’s possible to book an extended test drive with some manufacturers and dealerships. That means your friends and family could check it out before you commit to the purchase. 


  • Arranging insurance and ownership

Finalising the process requires some paperwork too. 

Buying a car is a legal commitment as well as personal one, so you’ll need to make sure you’re compliant. If you’re buying directly from the dealership, you might need to arrange temporary car insurance before you drive home. You should make sure to obtain a copy of the vehicle logbook, also known as the V5, as soon as you purchase the car. 

Once you’ve arrived back at home, you can arrange long-term insurance, road tax, and breakdown cover. Then your car is ready to enjoy with full peace of mind!


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