First-time car buyer’s guide: What to check before buying –

Buying a first car in India is a significant milestone, offering greater mobility and independence while becoming a part of everyday use, from daily commutes to family travel. However, the decision-making process has become more complex with a wide range of options across price segments, body styles and fuel types, along with multiple variants, features and financing options.

For first-time buyers, it is advisable to take a practical approach, focusing on budget, ease of use and running costs rather than general specifications. Below is a step-by-step guide to help you make an informed decision. In this article, we take a look at what a first-time car buyer should check before making a purchase.Set a clear budgetThe first step is to determine the budget before shortlisting cars. Buyers should consider the on-road price rather than the ex-showroom price, as it includes additional costs such as down payment, EMIs, insurance, registration and accessories.

As a guideline, monthly annuity outflow should remain within 15-20% of monthly income to avoid financial stress. Usage needs assessmentUnderstanding usage is essential in narrowing down the options. Buyers should consider driving conditions, frequency of use, number of passengers, and baggage requirements. City use may favor compact hatchbacks or small SUVs, while highway driving may require more powerful sedans or SUVs. For family use, space and comfort become key factors.

Hatchbacks, sedans and SUVs meet different requirements. Hatchbacks lend themselves to urban driving and offer efficiency, sedans offer comfort and trunk space, and SUVs offer greater ground clearance and road presence.

The choice should be based on usage and not on trends.

Choose the fuel type.The choice of fuel affects operating costs. Gasoline vehicles are suitable for low usage, diesel options for higher operation, CNG for lower operating costs with some compromises, and electric vehicles for city use where charging is available.

The higher initial costs of diesel may not be justified for limited use. A manual transmission is less expensive, while an automatic transmission offers ease of use in traffic. As congestion increases, automatic options offer convenience, especially for daily city driving.

Prioritize safetyFocus on basic features and safety.Buyers should prioritize features that improve usability, such as a touchscreen infotainment display with smartphone connectivity, a rear camera, parking sensors, and steering wheel-mounted controls.

Additional features such as a sunroof may not be necessary for everyday use. Safety features should be a major consideration. Buyers should look for dual airbags, ABS with EBD, electronic stability control, and crash test ratings where available.

Feature lists and designs should not take priority over safety.Maintenance and service evaluation.The costs of ownership extend beyond the purchase. Factors such as service costs, availability of service centers, spare parts prices, and brand reliability should be evaluated.

Manufacturers with broader service networks are generally easier to service.Review offers and negotiate.Merchants may offer discounts, exchange benefits, company-specific schemes or accessories. Buyers should compare offers and negotiate, as this can reduce the overall cost. Finalizing the purchase should be followed by a proper comparison of the shortlisted models. Decisions should not be influenced by limited-time offers or sales pressure, given the long-term nature of the investment.