How to buy the best new car

Shopping for a brand-new car should be an enjoyable and exciting experience. It’s your chance to tailor your new wheels to your exact tastes, whether it's a zero-emission (or indeed, high-performance) car, has high-tech interior features or simply an extrovert colour scheme.

A new vehicle represents a significant investment, but with numerous ways of financing your next one, you may find it easier than you think to get into your preferred new car.

Aside from a range of finance deals, there are numerous other benefits to buying new. Not only will you get a fresh manufacturer warranty, which can last up to 10 years, but you can also drive with the peace of mind that your car hasn’t missed a service or been otherwise poorly maintained by a former owner – something that can greatly affect its lifespan and value in later years.

See our pick of the cars that excel in our tough tests – discover the best new and used cars

How to pay for a car

New cars are expensive – quite likely the most expensive thing you’ll buy aside from property.

There are many ways you can pay, including:

• Cash purchase
• Hire purchase (HP)
• Personal contract purchase (PCP)
• Personal car leasing
• Car subscriptions
• Independent car-finance options
• Personal loan

What's right for you will depend ultimately on your personal circumstances and the offers available on the car you’re after. But you can read more about all the methods listed above in our expert guide on car finance.

Finally, as well as the initial purchase price, remember to factor in ongoing costs such as fuel, car tax, car insurance, servicing and depreciation (more on this below). Then compare like-for-like with monthly finance deals, as they may include some of these costs.

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What car should I buy?

Even if you think you know what kind of car you’d like to buy, it’s still worth considering your essential requirements. You may find that the one you want and the one you need aren’t quite the same thing.

For example, while the spacious interior and high driving position of a large SUV may make it seem like an ideal car for those who regularly carry passengers, features such as all-wheel drive can increase running costs and are rarely necessary unless you live in a remote rural area or regularly go off-road.

Do you need a large vehicle to transport lots of children or luggage, for instance? Or are you looking for something that will be frugal on a long motorway journey? Perhaps you’ve had your interest piqued by the impressive-sounding running costs of the latest electric cars and plug-in hybrids? 

They certainly seem to provide the solution to ever-rising motoring costs, but our research suggests that it could end up costing you more, depending on your particular circumstances.

In the latest Which? car survey, respondents told us that ease of driving, seat comfort and overall value for money were the key considerations when looking for a new car – a definite sign of the times where cost and whether it's fit for purpose take centre stage.

Your requirements may differ, particularly if you’re looking at the luxury or sports car end of the market, where comfort and looks take greater priority. 

We tailor our car reviews to judge new models on what drivers tell us matters based on the class, so you can buy with confidence

What are nearly new cars?

A nearly new car is usually registered by a dealer or manufacturer – someone who's not planning on keeping it for more than a short period. Nearly new cars normally have no more than a few thousand miles on the clock.

Buying a nearly new car can get you an attractive discount, but also means it has a shorter warranty. This is because the warranty starts as soon as the car is registered, which could be months before you buy the car, although this is less likely to be a problem if you choose from a manufacturer with a longer-than-average warranty, such as Kia or MG.

Nearly new cars typically include:

• Ex-demonstration (ex-demo) cars used to provide test drives to buyers at a dealership. It may have a few thousand miles on the clock, but will often have lots of optional extras. It’s likely to have been well looked after in order to impress buyers.
• Pre-registered cars bought by dealers to meet sales targets and sold on at a discount after around three to six months (there’s usually a minimum period before the dealer qualifies for discounts or sales bonuses from the manufacturer). It should have delivery miles only – usually no more than a couple of hundred, but it may have been sitting unused on a dealer’s forecourt for several months or even years.

Why you should read our car reviews

Regardless of what you want your new vehicle to excel at, our in-depth car reviews reveal the truth about how each model we test performs in every area that matters. 

Whether you want fuel consumption information that actually bears some relevance to real-world driving, so you'll know what your running costs will be, or accurate, comparable boot-space measurements to ensure you don’t get caught out with a boot that won’t be big enough for your needs, we can help.

Each of our online new and used car reviews also gives detailed measurements of a vehicle's passenger space. If you regularly take adult passengers, this means you won’t have to guess for yourself whether everyone will comfortably fit in from the brief amount of time you get in a test drive.

Additionally, we also assess usability, from the car's controls and visibility from the driver’s seat to how easy it is to drive.

Our findings often make for surprising reading. For instance, many MPVs and large cars dispel the myth that large off-roaders are the best models for practicality and passenger space, with variability in seating layout and ease of access being just as important in terms of practicality as outright space.

For more information, see our guide on how we test cars.

• Best hybrid cars
• Best electric cars
• Best medium cars
• Best small cars
• Best crossovers and small SUVs

New car optional extras

Regardless of what type of new car you end up choosing, you’ll likely be presented with a bewildering array of optional extras, which can quickly balloon the price of your purchase.

It can often be tempting to spec the most advanced kit, particularly if the price is rolled into a palatable monthly payment. 

Some options can be of little real benefit, or worse, distracting when you’re trying to drive. We’ve found options such as gesture control (where you control the infotainment system by waving your hand in front of it) and remote parking options (which allow you to move a car back and forth short distances using a smartphone app) to be of limited use.

However, some premium options are worth paying for and will significantly enhance both your safety and the driving experience. Below is a list of some options you may wish to consider. It's worth noting that most optional extras must be ordered before the car is built and can't normally be added afterwards. These are known as factory options and are distinct from dealer options, which your supplying dealer can fit after you've taken delivery of the car.

Adaptive suspension

While most cars come with a standard suspension system, many can now be specified with adaptive or air suspension packages that allow the driver to switch between comfort and performance-oriented driving modes.

These systems aren’t cheap, but they can dramatically improve the ride comfort of your car. A few systems also come with settings that allow you to adjust the height of the suspension, making it easier for people with reduced mobility to enter and exit the car. This also adds extra ground clearance for off-road driving, while reducing the impact of road imperfections such as speed humps.

Adaptive cruise control

Cruise control is one of the most useful car options available, taking the strain out of longer journeys and preventing you from accidentally exceeding the speed limit.

An evolution of the standard cruise control, which simply keeps your speed constant, is adaptive cruise control. This uses sensors to detect the distance of the car in front and will reduce your speed to match.

This is far safer than conventional cruise control, which relies solely on drivers being alert to the traffic situation ahead.

Around-view monitoring

While all-round parking sensors and rear-view cameras are increasingly offered as standard on even more affordable cars, it may be worth upgrading to a full 360-degree system.

These vary slightly by manufacturer, but the majority use cameras to display a birds-eye view of the car. This makes even the largest vehicle easy to manoeuvre in tight spots.

Another useful driver aid worth considering is a head-up display. Again, the quality of these varies by brand, but all display important driving information on the windscreen, meaning less time with your eyes off the road looking at dials.

Car tax and other costs to consider

Buying a new car will mean that you’ll save on having to get an MOT test for the first three years of its life. However, there are several upfront costs you’ll need to consider, which can vary dramatically depending on the type of new car you choose.

Car tax

Officially known as Vehicle Excise Duty (VED), car tax is an annual fee for using your car on the public road.

Head to our car tax explained guide to find out more.

Car insurance

Third-party cover is a legal requirement for using your car on the road, but we recommend opting for fully comprehensive cover to ensure your brand-new car is fully protected.

Insurance costs vary wildly, but there are some factors to consider to lower your premiums as much as possible:

• Opting for a high-performance model may raise your premium, depending on your experience and its desirability to thieves.
• If you have a garage or driveway, use it to park your car overnight rather than leaving it on the street.
• Be realistic about your annual mileage. Covering your car for miles you aren’t driving could push up your premium.
• If you don’t use your car for commuting or other business purposes, consider a policy that covers you for social use only.

It’s essential to be honest about your specific details when purchasing car insurance to avoid the risk of a claim being rejected should you be involved in an accident. Find out more about buying the right cover for you and how to compare cheap car insurance.

Servicing and maintenance

Your new car will typically require a service once a year. But many new models use ‘condition-based’ servicing, which will alter servicing intervals depending on how hard (based on how much fuel it’s used) or far the car has been driven.

Contrary to popular opinion, you don't need to take your car to the dealer who supplied your car (or any other franchise dealer for that matter) to maintain your vehicle’s warranty. Provided the recommended parts are used and the servicing schedule is followed properly, you won’t have any issues if you prefer taking your car to an independent garage or specialist.

To retain business, many dealers will include servicing costs (for a fixed period) in the cost of the car, or otherwise as part of an optional package, particularly if you’re buying on finance. 

This can be worth taking out, although pay careful attention to exactly what work is carried out, so you don’t get billed for unexpected extras. Discover more in our guide on how to find a reliable garage.

Car depreciation

Some cars perform better in terms of depreciation than others. As a general rule, expensive luxury cars tend to depreciate fastest, as their high running costs make them unpalatable to typical used car buyers. You’ll lose less money on a mainstream model in high demand.

There's no hard and fast rule about depreciation, but you can help alleviate it if you:

• Popular models, such as the Kia Sportage and BMW 3 Series, are always in demand, so they can command a more robust used price than similar models from less popular manufacturers.
• Play safe with the colour. New car data shows that the most popular used model colours are either black or grey. Colour is a matter of taste, but you may find you have to lower your asking price to sell a car in a particularly individual hue.
• Specify desirable kit, such as active safety technology.

Depreciation can be your friend if you’re looking at a nearly new car, though. Despite having minimal miles, they will already be a few months to a year old, which can save you thousands compared with the list price of a brand-new equivalent.

Test driving a new car

Once you’ve got a shortlist of models in mind, it’s important that you spend some time behind the wheel to ensure it really is right for you.

Some brands offer extended test drives, so don't be fobbed off with a 10-minute spin round the block. A car that looks good on paper won’t be if you can’t easily get in or out of it, or if you don’t like the way it feels.

However, the best way to get a feel for a car without being able to take it for a drive is through our in-depth reviews, which provide full details of a car’s safety, economy, space, and handling. See the models we recommend, across all classes, in our guide to the best cars.

Where to buy a new car

While you may be more familiar – and comfortable – with the idea of visiting your local dealer to buy a car, it’s now possible to buy a new (or used) model entirely online or over the phone.

There are pros and cons to both buying in person and remotely. Read our guide to where to buy a car to help you decide what’s best for you.