Essay about buying a car

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Essay about buying a car

The legal and fiscal responsibilities include loan repayments, registration, insurance, running cost and awareness of your consumer rights. I will be discussing responsibilities as a responsible consumer and inform you of your consumer rights in relation to purchasing a vehicle.

From this I had to purchase a vehicle as well as making sure I had enough money to maintain the car as well, according to my needs.

Loans for cars are obtained from financial institutions such as banks and building societies. Both are reputable institutions, however the cheaper rate in combination with investments I already had with the bank made it the better choice.

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The repayments were compared with NAB with a rate of A secured car loan would have been cheaper as the institution would have the car as security. However I wanted more than the cost of the car so the extra needed to be a personal.

Registration of a car is a legal requirement for the vehicle to be on the road, with dire consequences if this registration is not maintained. The registration allows for common safety standards to be enforced and provides an efficient system to prevent the Essay about buying a car of stolen or unroadworthy vehicles.

A car must legally be registered to drive on roads and can be registered for 6 or 12 months.

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Cars are registered at the Department of Main Roads customer service section. There are two main types of insurances for cars. One is compulsory and the other optional.

The compulsory insurance is called compulsory third party insurance and is collected as part of your vehicle registration in Queensland.

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It indemnifies vehicle owners and drivers who are legally liable for personal injury to any other party in a crash, however the coast of the third part vehicle are not covered. Comprehensive insurance, covers you and your property in the case of a crash.

You can get third party property car insurance, however this does not cover damage to your own vehicle so I decided not to explore the option any further.

AAMI was chosen as it was the cheapest insurance. Running costs are a fiscal responsibility that needs to be calculated into a budget when purchasing a vehicle.

The following running costs have been calculated on the cars stipulated in the research guidelines. This was calculated using an average kilometre usage of 15, kilometres per year. Consumer rights are the rights that are protected under law for every Australian.

Car dealers,insurance companies and finance corporations are legally bound to comply with the terms and conditions of their deals. The new car has a warranty which ensures that the dealership should guarantee any faults that occur and are listed on the warranty.

If they do not, you have the right to go to the Department Of Consumer Affairs, fill in a consumer complaint form and the department will act on your behalf. The dealership is obliged by law under the motor vehicle dealership act to guarantee a warranty.

Even if the used car that does not have a warranty, The dealership must comply with what was advertised when selling the car or consumer affairs can support the complaint form.

If you buy a car privately, there will be no warranty.

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You should invest in a Vehicle Inspection to determine the condition of the vehicle before you purchase. You should also check with the Personal Properties Securities Register PPSR to ensure that the seller has clear title on the vehicle and that any hire purchase or other loan agreements related to the vehicle have been paid out.

If the seller does owe money on the vehicle, it could prevent you becoming the legal owner. You should also check the registration papers to ensure that the owner is the seller. If the vehicle is unlicensed you need to obtain proof that the seller has the right to sell the vehicle.

My budget allows for me to buy both either the used car or the new car with left over money from both. I have decided to buy the new car as it is covered with a warranty and my consumer rights will ensure I am covered if the dealer reneges on the contract.

Essay about buying a car

I also like the peace of mind of knowing that the car is new and reliable. I am not taking on a car that has been used with no guarantee on its reliability. So after all that; do I really want to buy a car?

I have taken into account the costs and the legal responsibilities of buying a car, including my consumer rights and obligations. So, you know what; I am going to stick with public transport and where I have a lot of rights and no responsibilities, except to pay for my ticket and keep my mouth shut.

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