The Smart Girls' Guide to Buying a Car

Buying a new car, or a car that's new to you, can be a minefield. Women are traditionally vulnerable to con men when buying cars, taking their cars for a service or anything else related to motoring for that matter. Although we'd like to think that times have changed, and in the most part they have, there are still car sales people waiting for an innocent looking female to trot through the door. This applies to men too, so don't be offended! At CoverGirl Car Insurance we want you to get the best deal, cheap insurance and above all a great car. So, we've compiled a concise guide to what can be one of the most expensive purchases you'll have to make.

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The first thing you will need to do is decide whether you want a new or used car. You probably have a make and model in mind already, so it's best to do as much research into the car as possible. You can look in trade guides and on the internet to get some ideas about the production and engineering of your desired car. If you go to the dealer armed with this information then you will know what to look for and will know about any parts of the car that are particularly expensive to replace. Whilst doing your research you could also look out for any common problems with your car. For example certain vehicles have notoriously bad electrics and you could be left having to pay a large bill to have them repaired.

So what's the best bet, new or used?

Buying a new car

Buying a new car gives you the peace of mind that your car hasn't been rescued from an accident and 'cut and shut' (more about this later). Plus you don't have to worry about service history and recurring problems.

If you decide to buy a new car then you have three options. You can either buy from dealership, from a broker or by personal import from Europe. There are pros and cons to each option so you should look carefully at each to decide what's best for you. The benefits and pitfalls of each are as follows:

Dealership: Many dealers offer cheap finance schemes with frequent special offers, you can take the car for a test drive and you also may be able trade in your existing car. This is often a more expensive option so it's worth looking around.

Broker: It is often cheaper to buy through a broker and relatively easy to organise. You may not be able trade your car in.

Personal imports from Europe: Cheaper in the majority of cases. However this is not the easiest way to buy a car. You'll have to put in quite a bit of work.

What to check when you collect your car
We advise that you check your new car over before you drive off the forecourt. There are a few key things to check:

o That you've got a copy of the dealers pre-delivery inspection form

o Check that all lights, electrics, sound systems, alarms, door locks and windscreen wipers work

o Check for any scratches and check that there is no damage to the interior

o Check you've got the spare tyre and any tools that are supposed to come with the car

o Make sure you've got the manual and service book

Buying a used car

When you buy a used car there are a few more pitfalls to look out for but you can bag yourself a bargain if you look in the right place. It can also be great fun deciding whether you want a sexy classic like an Alfa Romeo Spider or a bargain run-around like a Ford Ka. Whether you chose to buy from a dealer or from the private market you'll need see the history of the car. This is really important. You can either buy from a franchised dealer, a used car dealer or privately. Here are some of the pros of buying from each:

Franchised dealer: One of the safest places to buy a car. You'll get a great choice from a franchise. You can get used or nearly new cars. A franchised dealership also might know the entire history of the car. They will also provide you with a warranty, so if anything goes wrong you can take it back and they will fix it.

Used car dealer: They will usually have checked that there is no bad history or outstanding finance. Most dealers have an excellent reputation but you should exercise some caution and again, do your own research about the type of car you've chosen. You will usually get at least a 3 month warranty from a used car dealer. But check to see what it covers. Service items like tyres, exhausts and brake pads are not usually covered.

Private purchase: Best place for an excellent bargain. This is the riskiest way to buy a car as the car could have been involved in an accident, and might not belong to the seller. You should ask to meet at the sellers' home or work and ask the following questions: