See all Motoring AdviceBuying a used car can feel like a bit of a minefield - we know, we've been there. With so much to think about, from budgeting to paperwork to spotting defects, it's easy to feel overwhelmed. But we are here to help.
Set a budget
Set a budget before scrolling through the adverts. Your budget should include not just the car but ongoing costs like tax, insurance and maintenance. Keep in mind that older cars might be cheaper upfront but could cost more in terms of repairs and insurance, especially as they age. It's worth balancing the upfront cost with potential future expenses to get a car that's cost-effective over time. For example, a seven-year-old car for €5,500 may be cheaper in the long run than a ten-year-old car bought for €4,000.
When comparing different models, don't forget to compare the tax bands as well as some cars may have a lower rate due to their emissions. Check insurance costs for your chosen models; you can do this online by inputting the car's registration. By having a clear picture of both the immediate and future costs, you'll be better able to pick a motor that fits your long-term budget and not just what you can afford now.
Decide on your essentials and nice-to-haves
Determine what you need versus what you'd like in your car. Essentials might include fuel type (petrol vs. diesel), transmission (manual vs. automatic), or mileage limits. Then, make a list of desirable features that are not deal-breakers, such as Bluetooth connectivity or a reversing camera. With your list of priorities, you can then quickly narrow down options and avoid feeling overwhelmed by endless adverts.
Be flexible on things like colour and non-essential features (do you really need massage seats?). Staying open-minded can potentially help you snag a great deal.
Buy at the right time
Timing can be everything in the used car market. Demand for certain types of cars fluctuates throughout the year, influencing prices. For example, four-wheel drives tend to be more expensive in winter, while convertibles are usually more affordable in the colder months.
Another good time to buy is toward the end of the month or quarter when dealerships and salespeople may have targets to meet, which could lead to better bargaining power. Dealerships are often open to negotiating, especially when they're looking to clear stock - like just before new registration plates come out or when they're expecting a fresh batch of models.
Do a background check on the car
Checking the car's history is essential when buying second-hand. A full history report can tell you things like how many previous owners it's had, its mileage and if it's ever been in a serious accident. Spending a little extra on a detailed check is worth it - it can save you from hidden surprises, like outstanding finance or major repairs that haven't been disclosed.
The car history report will also confirm the Vehicle Identification Number (VIN) matches the logbook and other records, giving you extra peace of mind that the car's identity is legitimate.
You can check a cars full history on Cartell.ie
Inspect the car during the day
Always try to check the car in daylight and when it's dry - rain has a sneaky way of hiding scratches, dents and other flaws. Walk around the car taking a good look at the outside. Check that the paint is even all around, and look closely at panel gaps, as uneven gaps can be a sign of past repairs. And don't forget to keep an eye out for rust, especially in the wheel arches and underneath the car.
Next, move to the interior. Check that all buttons, switches and features, including the windows, air conditioning and infotainment system, are in good working order. An untidy or poorly maintained interior can give you a hint as to how the previous owner cared for the car.
Check under the bonnet and the car
You don't have to be a mechanic to spot potential issues. Open the bonnet and look for signs of leaks, worn belts and unusual rust. Check the oil level and colour, which can give you an idea of recent maintenance. Look under the car for signs of leaking fluids, as leaks can indicate problems with the engine, transmission or brakes.
If you're uncertain about what you're looking at, consider bringing along a friend who knows cars or even hiring a mechanic for a pre-purchase inspection. A small cost upfront can save you from major repairs down the road.
Listen closely on the test drive
A test drive is a must, as it can reveal problems that may not be apparent on visual inspection alone. Start the car from cold if possible, as this will make it easier to hear any unusual sounds from the engine. Turn off the radio so you can concentrate on noises that could indicate problems, such as rattling, squeaking or grinding.
Pay attention to how the car drives - are the brakes responsive? Does the steering feel stable, or does the car pull to one side? Test the car's alignment on a straight section of the road and while braking. If anything feels off or makes you uncomfortable, it might be best to move on to another car.
Verify the paperwork
Once you've found a car you like, ensure all the necessary paperwork is in order before finalising the purchase. Paperwork includes the Vehicle Registration Certificate (VRC), NCT certificate and, if applicable, a receipt for the motor tax. Check the car's VIN matches what is listed on the VRC, the NCT disc and the history report.
Double-check that the seller's info matches what's listed on the VRC and keep an eye out for inconsistencies. This is especially important if you're buying privately, where you don't have the same consumer protections you'd get from a dealership.
Choose a secure payment method
When you're ready to buy, avoid paying in cash. Use a secure payment method, like a bank draft or bank transfer, which provides a paper trail. This way, if any issues arise later, you have documentation of the purchase.
If you're paying a deposit, request a signed receipt from the seller. This step offers extra assurance for both parties and helps avoid misunderstandings after the sale.
Check insurance and transfer it
Before driving off in your new-to-you car, update your insurance policy to cover the new vehicle. Many people overlook this step in the excitement, but it's essential to have coverage from the moment you take possession.
Contact your insurance provider to update your details and remember to notify them if you're switching vehicles. If possible, arrange for an insurance transfer ahead of time so that you're all set to go once the sale is complete.
Remember...
There's no rush - take your time, be thorough and don't be afraid to walk away if something doesn't feel right.