5 najważniejszych pytań przed zakupem auta

Aby nie przepłacić i wybrać auto dopasowane do swoich potrzeb, warto przed rozpoczęciem poszukiwań nowego samochodu odpowiedzieć sobie na 5 podstawowych pytań – radzą eksperci rynku motoryzacyjnego. Kluczową decyzją, oprócz wyboru auta, jest sposób jego finansowania. Kierowcy mogą kupić auto za gotówkę, w kredycie samochodowym lub abonamencie. 

Kierowcy, którzy na co dzień nie interesują się motoryzacją, a chcą zmienić swoje auto na nowsze, nie mają łatwego zadania. Podjęcie odpowiedniej decyzji może być problematyczne, ponieważ liczba ofert w każdym segmencie samochodów jest bardzo duża.

Z naszego doświadczenia wynika, że kierowcom planującym zakup samochodu najłatwiej przychodzi podjęcie jednej decyzji „nowy czy używany”, ponieważ to akurat bardzo często warunkuje ich budżet. A potem zaczynają się już schody. Dotyczy to w szczególności tych kierowców, którzy o motoryzacji wiedzą niewiele, a od samochodu oczekują tylko tego, aby się nie psuł i spalał jak najmniej paliwa. Jeżeli klient nie jest przywiązany do żadnej konkretnej marki, , staramy się zadać mu kilka podstawowych pytań, które zawężą liczbę samochodów i pozwolą znaleźć auto adekwatne do jego potrzeb – wyjaśnia Grzegorz Grodecki, Dyrektor Zarządzający Master1.pl, sieci sprzedaży samochodów pokontraktowych należącej do Grupy Masterlease.

Oto 5 podstawowych pytań, które powinien zadać sobie każdy kierowca planujący zakup auta:

Ile kilometrów pokonuję autem i gdzie nim najczęściej jeżdżę?

Uzyskanie odpowiedzi na te dwa pytania pomoże określić rodzaj silnika, który powinien wybrać klient.  Samochody z silnikami „diesla” są z zasady droższe w zakupie, ale ich największą zaletą jest niskie spalanie. Pomimo tego, że różnica w cenie oleju napędowego i benzyny jest obecnie znikoma, to silniki wysokoprężne potrafią spalić nawet 25 procent mniej paliwa.

Samochody z silnikami „diesla” będę lepszym wyborem dla osób, które podróżują często i pokonują spore odległości w warunkach pozamiejskich osiągając w ciągu roku kilometraże na poziomie 30 tysięcy kilometrów – radzi Grzegorz Grodecki z Master1.pl

A jeżeli kierowca potrzebuje samochodu, aby dojeżdżać nim do pracy i będzie nim pokonywał ok. 20-30 km dziennie, to korzystniejszym ekonomicznie wyborem będzie samochód z silnikiem benzynowym.

Jaką funkcję ma pełnić auto i kto będzie nim podróżował?

Rodzaj auta powinien być dopasowany do stylu życia kierowcy i codziennych obowiązków, zarówno rodzinnych, jak i służbowych. Jeżeli kierowca ma trójkę lub więcej kilkuletnich dzieci, to wybór padnie na typowo rodzinne pojazdy – kombi lub van. Auto musi być na tyle przestronne, aby bez problemu zmieściło na tylnej kanapie foteliki samochodowe, a w bagażniku jeden lub więcej wózków dziecięcych. Jeżeli jednak kierowca jest singlem lub członkiem rodziny w modelu 2+2 lub 2+1, to zanim zdecyduje się na wybór sedana lub hatchback powinien mieć na uwadze również inne aspekty. Czasami duża pojemność bagażnika w aucie jest niezbędna także do prowadzenia działalności gospodarczej, która wymaga regularnego przewożenia sprzętu lub produktów do klientów. Kombi może okazać się praktycznym wyborem również w przypadku osób, które często korzystają z dużej powierzchni bagażnika ze względu na swoje hobby, np. do przewożenia rowerów lub inne sprzętu sportowego.

Przy wyborze rodzaju samochodu warto porównywać pojemność bagażników. Zdarza się, że małe kombi wbrew pozorom nie jest wcale przestronniejsze od sendana z segmentu C. Na przykład pojemność bagażnika w Fordzie Focus w wersji kombi wynosi 1516 litrów, a w Skodzie Octavia w wersji Sedan tylko kilkadziesiąt litrów mniej – 1450 l.

Ile chcę przeznaczyć rocznie na utrzymanie auta i jak chcę go sfinansować?

Najkorzystniejszym ekonomicznie rozwiązaniem wydaje się być kupowanie auta za gotówkę. Nie każdy może sobie jednak na to pozwolić, ponieważ wymaga to posiadania oszczędności. Alternatywnym sposobami finansowania samochodów dla osób fizycznych są kredyt i abonament. O ile kredyt jest znanym rozwiązaniem wykorzystywanym przez klientów od lat, to abonament wciąż uznawany jest za nowy sposób finansowania aut, który dopiero zyskuje na popularności.

Ideą abonamentu jest rozkładanie dużych kosztów związanych z posiadaniem lub użytkowaniem auta na miesięczne raty. Zamiast płacić jednorazowo wysokie kwoty za kupno auta, jego ubezpieczenie lub przeglądy serwisowe, kierowca płaci jedną, ustaloną miesięczną kwotę i nie musi martwić się o pozostałe koszty.

Roczne koszty związane z utrzymywaniem auta sięgają zazwyczaj kilku tysięcy złotych. A w ramach abonamentu klient korzysta z samochodu, a po upływie okresu umowy może wymienić na kolejny – nowy lub używany. Do tego może skorzystać z pełnego pakietu serwisowego, kompletu opon zimowych wraz z wymianą i przechowywaniem i oczywiście ubezpieczenia. Dzięki temu koszty związane z eksploatacją są przewidywalne, ponieważ są już zawarte w comiesięcznej racie. Udogodnieniem jest możliwość zawarcia takiej umowy on-line oraz  jej rozwiązania i zwrócenia samochodu w okresie pierwszych dwóch tygodni jej trwania. Oznacza to, że klient może potestować wybrany samochód przez dwa tygodnie a następnie podjąć decyzję o kontynuacji umowy, zakupie za gotówkę lub wymianie na inny – dodaje Grzegorz Grodecki z Master1.pl

 

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