car unlock

When to buy a new car

The flawless paintwork, the performance options, the ride, the comfort, and that smell. There is so much to like about buying a new car. But no-one likes paying top dollar so planning ahead can make a noticeable difference to the price tag.

Aside from buying a home or investment property, buying a car is likely to be the biggest purchase most people make. Unfortunately, it has its share of pitfalls unless you do your homework to give yourself the best chance of negotiating a good deal on the vehicle of your choice.
Feeling like you paid too much is a sure way to take the gloss off your shiny new toy so the best bet is to be an informed buyer and use the calendar to your advantage.

First things first. Set your budget and get pre-approved finance for your new car purchase. Factor in running costs, registration and insurance to make sure you can afford the wheels you’ve set your heart on.
Having your car loan pre-approved is a great bargaining tool and it will also help you to feel empowered in your negotiations with the sales person. It helps you to be able to drive a hard bargain if you are not at the whim of dealer finance.

Next, identify what type of car you want but stay flexible on colour and options. If you are willing to buy off the lot it adds to your bargaining power. You also won’t have to wait for dealer delivery.
You can get a good deal by making sure time is on your side, too. Many car makers and bigger dealerships have mid-year sales at the end of the financial year. You can also count on end of calendar year sales to clear out the current models and make way for the new year’s stock. This is a good time to secure a package with extra options, like an upgraded finish, at no extra cost.

It also pays to bear in mind that car salespeople are paid volume bonuses for reaching sales targets each month. That means towards each month’s end they may be more motivated to lock in a deal to secure their quota.

If you do choose to use in-house finance, make sure the interest rate is competitive with what’s available from other lenders. Dealer finance means more profit back to the dealer so it could be more leverage for a better price. However, this could be a double-edged sword so take care not to sign up to a higher interest rate or an inflexible loan with extra fees and charges. It could mean you pay significantly more in the long run for the sake of saving a few dollars off the ticket price. Similarly, if the in-house finance deal seems very cheap, spend a bit more time investigating how the dealer arrived at the price attached to the car. It may be inflated, or the cheap finance may preclude you from negotiating on the ticket price.

Be sure to shop around for your insurance too. Compare quotes and read the Product Disclosure Statement to check for hidden nasties. Put us on your shopping list to see how we stack up on price and features.
Be wary also of signing up to an extended service plan or other upsells like paint guards, rustproofing, window tinting, fabric treatments and car alarms. Chances are they will ratchet up the final bill and not deliver you value over the life of the vehicle.

Above all, shop around car yards and online to get a selection of quotes. Take the quotes in hard copy to your preferred dealer and push them to meet the price. Ultimately, if you can’t get the deal you are after be prepared to walk away.

Perhaps expand your options and look for demonstrator models. You could also monitor auction houses for low mileage late model vehicles. These come up often in fleet sales and when lease holders choose to turn over their car rather than pay out the balloon.

There is always another deal to be had. Don’t let your money burn a hole in your pocket.

By Marie Mortimer. You can follow Marie on Google+

Image credit: aeropw

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SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND [NodeGUID] = @NodeGUID AND ([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now))
522 B
 
Table (1 [157], 1000 B)
 
SimpleHandler`2.StartEvent 0.000
 
CloseConnection()
SimpleHandler`2.StartEvent N/A
OpenConnection()
SimpleHandler`2.StartEvent N/A
10
(om.abvariant.generalselect)
DECLARE @ABVariantPath nvarchar(max) = N'/News-Media/Blog/May-2014/When-to-buy-a-new-car';
DECLARE @ABVariantSiteID int = 1;

SELECT *
FROM OM_ABVariant
WHERE [ABVariantPath] = @ABVariantPath AND [ABVariantSiteID] = @ABVariantSiteID
SimpleHandler`2.StartEvent 0.000
 
CloseConnection()
SimpleHandler`2.StartEvent N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
11
(.generalselect)
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @NodeID int = 2491;

SELECT TOP 1 [ClassName], [NodeID], [NodeAliasPath], [NodeName], [NodeAlias], [NodeClassID], [NodeParentID], [NodeLevel], [NodeACLID], [NodeSiteID], [NodeGUID], [NodeOrder], [NodeLinkedNodeSiteID], [IsSecuredNode], [NodeCacheMinutes], [NodeSKUID], [NodeDocType], [NodeHeadTags], [NodeInheritPageLevels], [NodeHasChildren], [NodeBodyElementAttributes], [RequiresSSL], [NodeLinkedNodeID], [NodeOwner], [NodeTemplateForAllCultures], [NodeInheritPageTemplate], [NodeAllowCacheInFileSystem], [NodeTemplateID], [NodeGroupID], [DocumentMenuClass], [DocumentMenuItemInactive], [DocumentMenuStyle], [DocumentMenuItemHideInNavigation], [DocumentContent], [DocumentStylesheetID], [DocumentInheritsStylesheet], [DocumentID], [DocumentName], [DocumentNamePath], [DocumentPublishFrom], [DocumentPublishTo], [DocumentUrlPath], [DocumentCulture], [DocumentPageTitle], [DocumentPageKeyWords], [DocumentPageDescription], [DocumentMenuCaption], [DocumentPageTemplateID], [DocumentMenuRedirectUrl], [DocumentMenuJavascript], [DocumentCheckedOutVersionHistoryID], [DocumentPublishedVersionHistoryID], [DocumentWorkflowStepID], [DocumentExtensions], [DocumentWebParts], [DocumentGroupWebParts], [DocumentTrackConversionName], [DocumentConversionValue], [DocumentWorkflowCycleGUID], [DocumentGUID], [DocumentSearchExcluded], [DocumentLogVisitActivity], [DocumentMenuRedirectToFirstChild], CASE WHEN [DocumentCulture] = N'en-AU' THEN 2 ELSE 0 END AS [CMS_P]
FROM (
SELECT [ClassName], [NodeID], [NodeAliasPath], [NodeName], [NodeAlias], [NodeClassID], [NodeParentID], [NodeLevel], [NodeACLID], [NodeSiteID], [NodeGUID], [NodeOrder], [NodeLinkedNodeSiteID], [IsSecuredNode], [NodeCacheMinutes], [NodeSKUID], [NodeDocType], [NodeHeadTags], [NodeInheritPageLevels], [NodeHasChildren], [NodeBodyElementAttributes], [RequiresSSL], [NodeLinkedNodeID], [NodeOwner], [NodeTemplateForAllCultures], [NodeInheritPageTemplate], [NodeAllowCacheInFileSystem], [NodeTemplateID], [NodeGroupID], [DocumentMenuClass], [DocumentMenuItemInactive], [DocumentMenuStyle], [DocumentMenuItemHideInNavigation], [DocumentContent], [DocumentStylesheetID], [DocumentInheritsStylesheet], [DocumentID], [DocumentName], [DocumentNamePath], [DocumentPublishFrom], [DocumentPublishTo], [DocumentUrlPath], [DocumentCulture], [DocumentPageTitle], [DocumentPageKeyWords], [DocumentPageDescription], [DocumentMenuCaption], [DocumentPageTemplateID], [DocumentMenuRedirectUrl], [DocumentMenuJavascript], [DocumentCheckedOutVersionHistoryID], [DocumentPublishedVersionHistoryID], [DocumentWorkflowStepID], [DocumentExtensions], [DocumentWebParts], [DocumentGroupWebParts], [DocumentTrackConversionName], [DocumentConversionValue], [DocumentWorkflowCycleGUID], [DocumentGUID], [DocumentSearchExcluded], [DocumentLogVisitActivity], [DocumentMenuRedirectToFirstChild]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE ([DocumentCulture] = @DocumentCulture AND [NodeID] = @NodeID)
) AS SubData
ORDER BY CMS_P DESC
3 kB
 
Table (1 [64], 389 B)
 
PageContext.CurrentPage_InitComplete 0.016
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
12
(cms.document.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (NodeAliasPath IN (N'/News-Media/Blog', N'/News-Media', N'/')) AND [DocumentCulture] = @DocumentCulture
ORDER BY NodeLevel DESC
Table (3 [157], 10.8 kB)
 
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
13
(cms.blogpost.generalselect)
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_BlogPost AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.BlogPostID AND V.ClassName = N'CMS.BlogPost' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE (NodeID = 2567) AND [DocumentCulture] = @DocumentCulture
Table (1 [169], 5.9 kB)
 
PageContext.CurrentPage_InitComplete 0.016
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
14
(om.mvtest.generalselect)
DECLARE @MVTestPage nvarchar(max) = N'/News-Media/Blog/May-2014/When-to-buy-a-new-car';
DECLARE @MVTestSiteID int = 1;

SELECT *
FROM OM_MVTest
WHERE [MVTestPage] = @MVTestPage AND [MVTestSiteID] = @MVTestSiteID
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
PageContext.CurrentPage_InitComplete N/A
15
(cms.personalization.selectall)
SELECT TOP 1 *
FROM CMS_Personalization
WHERE PersonalizationUserID = 65 AND PersonalizationDocumentID = 2562
PageContext.CurrentPage_InitComplete 0.000
 
CloseConnection()
PageContext.CurrentPage_InitComplete N/A
OpenConnection()
BasicRepeater.OnLoad N/A
16
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:37:43 AM';
DECLARE @NodeGUID uniqueidentifier = '572f2ef4-935d-45d5-a9a3-e558209b1527';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_Article AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.ArticleID AND V.ClassName = N'CMS.Article' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.000
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
N/A
17
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:37:43 AM';
DECLARE @NodeGUID uniqueidentifier = '572f2ef4-935d-45d5-a9a3-e558209b1527';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_BlogPost AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.BlogPostID AND V.ClassName = N'CMS.BlogPost' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.000
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
N/A
18
(.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:37:43 AM';
DECLARE @NodeGUID uniqueidentifier = '572f2ef4-935d-45d5-a9a3-e558209b1527';
DECLARE @RelationshipName nvarchar(max) = N'isrelatedto';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';
DECLARE @CMS_C int = 1;

SELECT *
FROM (
SELECT *, ROW_NUMBER() OVER (PARTITION BY NodeID ORDER BY CASE WHEN [DocumentCulture] = @DocumentCulture THEN 1 ELSE 2 END, DocumentCulture) AS [CMS_C]
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_PressRelease AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.PressReleaseID AND V.ClassName = N'CMS.PressRelease' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeID] IN (
SELECT [RightNodeID]
FROM CMS_Relationship LEFT OUTER JOIN CMS_RelationshipName ON CMS_Relationship.RelationshipNameID = CMS_RelationshipName.RelationshipNameID
WHERE [LeftNodeID] IN (
SELECT [NodeID]
FROM CMS_Tree
WHERE [NodeGUID] = @NodeGUID
) AND [RelationshipName] = @RelationshipName
) AND [DocumentCulture] = @DocumentCulture)
) AS SubData
WHERE [CMS_C] = @CMS_C
1.3 kB
 
BasicRepeater.OnLoad 0.000
 
CloseConnection()
BasicRepeater.OnLoad N/A
OpenConnection()
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender N/A
19
(cms.blogpost.generalselect)
DECLARE @NodeSiteID int = 1;
DECLARE @Now datetime2 = '4/27/2017 7:37:43 AM';
DECLARE @NodeAliasPath nvarchar(max) = N'/News-Media/Blog/May-2014/When-to-buy-a-new-car';
DECLARE @DocumentCulture nvarchar(max) = N'en-AU';

SELECT *
FROM View_CMS_Tree_Joined AS V WITH (NOLOCK, NOEXPAND) INNER JOIN CONTENT_BlogPost AS C WITH (NOLOCK) ON V.DocumentForeignKeyValue = C.BlogPostID AND V.ClassName = N'CMS.BlogPost' LEFT OUTER JOIN COM_SKU AS S WITH (NOLOCK) ON V.NodeSKUID = S.SKUID
WHERE [NodeSiteID] = @NodeSiteID AND (([DocumentCanBePublished] = 1 AND ([DocumentPublishFrom] IS NULL OR [DocumentPublishFrom] <= @Now) AND ([DocumentPublishTo] IS NULL OR [DocumentPublishTo] >= @Now)) AND [NodeAliasPath] = @NodeAliasPath AND [DocumentCulture] = @DocumentCulture)
ORDER BY BlogPostDate DESC
794 B
 
Table (1 [169], 5.9 kB)
 
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender 0.000
 
CloseConnection()
CMSWebParts_Viewers_Basic_BasicRepeater.OnPreRender N/A
  19 queries, 18.1 kB write, 36 kB read   0.078
Macros resolved in the content of this page:
 ExpressionResultUserContextDuration
1 {% CanonicalURL != "" %} False CMSAbstractWebPart.OnInit 0.000
> CanonicalURL != "" False 0.000
2 {% NoFollow %} null 0.000
> NoFollow null 0.000
3 {% IncludeOptimizely %} null 0.000
> IncludeOptimizely null 0.000
4 {% DisclaimerContent %} null PageContext.CurrentPage_InitComplete 0.000
> DisclaimerContent null 0.000
5 {% pagetitle_orelse_name %} When to buy a new car - Loans.com.au DocumentBase.Load 0.000
> pagetitle_orelse_name When to buy a new car - Loans.com.au 0.000
6 {% CurrentDateTime.Hour %} 7 FIRSTMAC-srvc-kentico CMSWebParts_General_javascript.OnPreRender 0.000
> CurrentDateTime.Hour 7 FIRSTMAC-srvc-kentico 0.000
7 {% CurrentDateTime.Hour %} 7 FIRSTMAC-srvc-kentico 0.000
> CurrentDateTime.Hour 7 FIRSTMAC-srvc-kentico 0.000
      
Web farm synchronizations done by this page:
 Task typeTargetDataContext
1 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3166478 SimpleHandler`2.StartEvent
2 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦e310583d-f6c1-4d93-a865-2b8ebfb222d6|1
3 TOUCHCACHEITEM om.contact|all¦om.contact|byid|3166478¦om.contact|byguid|e310583d-f6c1-4d93-a865-2b8ebfb222d6 SimpleHandler`2.StartEvent
4 DICTIONARYCOMMAND DELETEITEMINT¦om.contact_ContactID¦3166478 SimpleHandler`2.StartEvent
5 DICTIONARYCOMMAND DELETEITEMSTRING¦om.contact_ContactGUID;ContactSiteID¦e310583d-f6c1-4d93-a865-2b8ebfb222d6|1
6 INVALIDATEOBJECT om.contact 3166478 SimpleHandler`2.StartEvent
     
ViewState used by the controls of this page:
 Control IDIs dirtyViewStateTotal size
1 form Yes
action = "/news-media/blog/may-2014/when-to-buy-a-new-car" (47 B)
47 B
 
2 p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
3 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId1
Yes
Text = "1daqsvuzppg4gllb2ayv4plo" (24 B)
24 B
 
4 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId2
Yes
Text = "1daqsvuzppg4gllb2ayv4plo" (24 B)
24 B
 
5 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId3
Yes
Text = "1daqsvuzppg4gllb2ayv4plo" (24 B)
24 B
 
6 ScriptWebparts
Firstmac_RetailGTMDataLayer
ctrlSessionId4
Yes
Text = "1daqsvuzppg4gllb2ayv4plo" (24 B)
24 B
 
7 pageplaceholder
p
pnlPage
Yes
CssClass = "PagePlaceholder" (15 B)
15 B
 
8 ZoneA
BlogPostsDataSource
srcDocuments
Yes
IsSelected = True
0 B
 
9 BlogPostsRepeater
plcBasicRepeater
N/A
Yes
Yes
Yes
Yes
Yes
Yes
ZeroRowsText = "No data found" (13 B)
ResolveDynamicControls = True
DataSourceName = "BlogPostsDataSource" (19 B)
HideControlForZeroRows = True
DataBindByDefault = False
_!ItemCount = 1
32 B
 
10 dbg
pnlDebugContainer
No
CssClass = "debug" (5 B)
5 B
 
     Total viewstate size: bytes