New or used, diesel or petrol engine - it is easier to get a vehicle if you have the information about the most important elements of this significant decision. Buying a new four-wheeled friend often causes headache instead of the expected satisfaction, especially when we analyse many options, which are lager in number than it seems at first glance. We are here to make this decision easier for you.
1. Before the purchase
Think about what you expect from a new vehicle, what are the main reasons for the purchase and what are the needs it has to meet. The answers to these fundamental questions will eliminate most of the dilemmas. For example, for some people priorities are driving characteristics, or a quality stiff suspension, steering wheel and switchgear, for some it is spaciousness, for some consumption, and of course there is always the price as one of the most important criteria. The Internet abounds with websites with reviews and comparisons of vehicle models, and a quality online search guided by ones own desires and preferences is the best way to start choosing an ideal vehicle.
What follows is seeing vehicles at car dealerships, talking to car dealers and a test drive. What is common to most new vehicles, in line with the increasing awareness of environmental issues, is the trend of reducing the consumption and emissions of CO2, which also lowers the cost of vehicles (for cars with lower CO2 emissions, you pay lower excise taxes, lower insurance costs, etc.).
The choice between diesel and petrol engines is the second biggest dilemma for all drivers. Even though, for example, diesel engines consume less, they are more expensive in relation to the initial price and maintenance. A simple calculation of annual mileage compared to the difference in prices of vehicles can bring you closer to the optimal choice.
2. What is the most favourable way to a chosen vehicle
After seemingly the hardest decision and choosing the vehicle of your dreams, you come to a new dilemma. How to finance the purchase?
In addition to payment with cash and cards (for somewhat more favourable vehicles), buyers are offered a wide range of different models of car loan financing. Zagrebačka banka is the market leader in the car loan market, offering different models of financing that can satisfy all desires and needs of customers. Also, a vehicle can be financed through leasing. Although this is an option that is still mostly used by businesses, leasing is becoming a more and more common way of financing for natural persons.
Leasing can be described as a type of lease of a vehicle with the primary goal of using the vehicle, rather than the acquisition of property rights, and we distinguish between financial and operational leasing.
In financial leasing a vehicle becomes fully owned by a user with a repaid total amount of leasing financing, while in operational leasing the vehicle remains the property of the lessor (the leasing company).
3. Vehicle insurance
Upon buying a car, it is of crucial importance to ensure a carefree use in the years to come. In addition to the compulsory basic insurance, we strongly recommend arranging a no-fault insurance policy, which allows compensation for material damage on your vehicle, even if you caused it yourself. Repairing scratches, dents and other damage that sometimes we cannot influence, is a real hassle for every driver and their wallets. By arranging a no-fault insurance you also cover many other kinds of material damage such as breaking in, damage from natural disasters, glass break or car theft.