Choosing the Right Used Car for You

1- The benefits of buying a used car

One of the main benefits of buying a used vehicle is clearly the cost. Depending on the model you choose, your monthly payments will likely be much lower or even non-existent if you pay upfront.

You might even be able to buy a higher-end or fully loaded car for less. But make sure the model you choose won’t cost too much to maintain, as some luxury vehicles tend to cost more to repair.

Buying a used vehicle will also save you on some extra fees that get tagged on when you buy new, such as for an extended warranty.

If you’re buying directly from a private individual, you’ll only have to pay the Quebec sales tax. Depending on the vehicle’s price, that alone could save you hundreds of dollars.

2- Find a vehicle that meets your needs

Do your homework to find out which make and model is right for you and your needs. Some sites, like the Car Guide, could help in your research.

With skyrocketing fuel prices, it may be a good idea to look into how fuel efficient your dream car is. Hybrid and electric vehicles can be a good alternative to help reduce your gas consumption.

Want to know if there’s a recall on a particular model? The Motor Vehicle Safety Recall Database has complete info on the latest recalls. This could give you leverage to bargain for a better price.

3- Where to buy a used vehicle

Many websites offer an impressive array of used vehicles for sale by individuals.

You can also go directly to a dealership or visit sites like AutoTrader.ca. Some garages also sell used vehicles.

You can always shop around for the best price.

4- Get the facts before you buy

Before buying a second-hand vehicle, it is important to know its history. Some problems are impossible to see when you meet with the seller—and you don’t want any unpleasant surprises down the road.

The more information you get, the more peace of mind you’ll have knowing the vehicle is safe. To make an informed decision, you can ask the owner what repairs have been made to the car. They may also be able to provide you with invoices showing that the vehicle has been properly maintained over the years.

Feel free to bring someone with you who knows cars. It’s often helpful to have a second opinion.

Ask for the vehicle’s history report, either from SAAQ or a company that specializes in this service. This will tell you how many people have owned the car and how it was used in the past.

And last but not least, remember to ask the seller if any additional items are included in the price. It could help you get a great deal!

5- Take a test drive

A test drive is key when buying a vehicle.

Take the time to drive long enough to get a good sense of how the car runs. That way you’ll be able to see how well it handles on the road and identify suspicious noises.

Test the brakes and make sure all accessories work properly, such as the GPS, windshield wipers, headlights, turn signals, etc.

Finally, walk around the vehicle and examine the body. That will help you avoid unpleasant surprises later on. Feel free to negotiate the price if you see signs of rust or small bumps on the vehicle.

6- The importance of a good inspection

To make sure your new vehicle is shipshape, it’s recommended to have it inspected by a trusted mechanic. CAA offers a list of certified garages to help you make an informed decision.

When buying a used vehicle, this step is critical and will help you avoid unpleasant surprises.

The mechanic will look at the engine and make sure the suspension, brakes and steering are working properly. They can also point out any problems the vehicle may have.

If you do decide to buy, make sure it has been paid for in full. You can check the Register of personal and movable rights or ask the owner for proof of final payment. This is important because if the vehicle has not been paid for in full, you could get stuck paying the financial institution any outstanding balance.

You can also check the Canadian Police Information Centre to make sure it’s not a stolen vehicle.

7- Buying a vehicle outside Quebec

Found your dream vehicle, but it’s out of province? There are a few steps you’ll have to take before you buy.

First, you have to contact SAAQ to find out what documents you’ll need to register your new vehicle.

You also need to make sure the vehicle is authorized on Quebec roads. Some vehicles may not meet the standards in effect in the province or required by your insurer. This is particularly true of hand-built or modified vehicles.

8- Get good auto insurance

Auto insurance is mandatory in Quebec. It gives you civil liability protection and covers damage caused to other vehicles.

Be sure to take out the right amount of coverage for your vehicle. For example, you may want to consider Automax coverage. It offers a host of benefits, including replacing your keys in the event of loss or theft.

You can also add roadside assistance to your insurance policy to drive with total peace of mind.

Don’t forget to contact your insurer before hitting the road in your vehicle. Make sure you’ve got everything you need when applying for an insurance quote and if you have any questions feel free to ask your insurance agent.

We hope these tips will help you when you’re ready to buy. If you have any questions about your car or home insurance, we’re happy to help.