Currently, most automotive market experts recommend that car enthusiasts take it for a test drive. Unfortunately, in our society, such a service is new and many drivers do not know how to take a car for a test drive at a car dealership and what to look for. There are even individuals who use this simply for fun, simply because they wanted to drive an expensive foreign car.

How it works

Many car manufacturers, especially foreign ones, give their potential customers the opportunity to “break in” the car they like before purchasing it. In order to use this service, one simple phone call is often enough. By calling the car dealership, you can easily agree with the manager on the date and time of testing the “four-wheeled friend” that interests you. In addition, you can always visit the salon without an appointment and, if the car is free, take it for a ride. However, it is better to add it to your schedule than to test the car you like chaotically and without preparation.

Please note that it is best to test the car on weekends, when there are no major traffic jams on the roads and you can test it for speed. But there is one thing - you shouldn’t get carried away with high-speed driving, since the responsibility for complying with traffic rules lies with you!

Another nuance is the equipment of the tested vehicle. Unfortunately, it may not always coincide with the configuration you have stated. You can take the car to the showroom for a test drive with the maximum configuration. This will allow you to enjoy all the delights of the model and further cut off unnecessary “bells and whistles”.

Wrong test drive

To begin with, let us disappoint fans of the domestic automobile industry; it is much more difficult to buy than an expensive foreign car. Most VAZ car dealerships do not offer such a service, explaining that everyone is already aware of the operation of domestic brands of cars. This is a fundamentally wrong approach. It sounds even more strange if the manager still invites you to try out the car, but only in dry weather and only on the territory of the auto repair center. This means that he will then sell the car you tested at full price, although according to the rules, the test copy should be sold at a deep discount.

A lap of honor around a car dealership with a vigilant co-driver - the manager of the enterprise - can also be considered incorrect. The latter distracts the client from the car with his constant conversations, praise and persuasion to make a purchase quickly. Zombifying customers is a whole science, so don't fall for the bait. In order to silence the seller, simply ask him a question “to the point”, about any specific characteristic of the car.

Down with fears

Many car enthusiasts refuse because they are afraid of damaging the car they are testing. Get it right - you won't get anything for damaging your car during a test drive! The test copy must be insured before first use. The insurance fully covers all types of damage, even such as volcanic eruptions and earthquakes.

Video about test drives in car dealerships:

Thus, if the manager, before testing, asks you to sign a document confirming damages in case of damage to the car, feel free to turn around and leave!

What is possible and what is not

Each car dealership has a specific route, which is agreed upon with the traffic police, for carrying out. Most often, a test drive of a car lasts no less than 10 minutes and no more than 40 minutes.

Expensive cars can be checked throughout the day. However, to do this you need to be a regular customer, that is, buy a new model car once a year. Such applications are reviewed only by the sales director, who also issues permits for a long test drive. This service is provided free of charge, but an insurance policy is issued for the client.

Many drivers have no idea what documents are needed to test the car they like. This once again proves the backwardness of domestic automobile service. Attention, For a test drive you need a driver's license and passport! Your registration, marital status and appearance should not interest anyone.

How to behave

In order to understand how to get out of the salon and then make the right choice, you need to adhere to certain recommendations from car service experts. There is a small set of generally accepted rules of conduct while driving a test car:

1. Before starting the engine, fasten your seat belt and adjust your seat and mirrors comfortably.
2. Don’t forget about the traffic rules, no one has canceled them for you!
3. Don’t rush, don’t start abruptly; to correctly assess a car you need calm and concentration.
4. The manager and other drivers on the road do not need to demonstrate their level of driving. Drive the way you usually drive, otherwise you won't get the feel of the car.
5. Feel free to entrust your departure from the car dealership to a consultant, he will better navigate the area and know all the features of the route and parking lots.
6. Avoid road unevenness and potholes. You should know in advance how a car behaves under poor-quality road surface conditions, especially since this is nothing new for Russian roads.
7. For a more complete car experience, take your future frequent passengers with you.
8. During your test drive, focus on the car's performance rather than its price and features. You should not talk to a consultant and discuss various personal problems.
9. Do not forget to check the operation of all climate systems of the car: air conditioning, climate control and heating system.
10. Bring a disc with you to try out the audio system and get an idea of ​​what your favorite music will sound like.
11. Check all doors, they should close quietly and not jam when opening. The hood and trunk lids should behave the same way.
12. During the trip, pay attention to the noise made by the engine, ventilation, tires, trim, etc. You should be comfortable, the sound should not distract from the road.

The video shows an example of a car test drive:

So, it’s not only possible to carry out a test drive before purchasing, but also necessary! Get this from dealers or go to another company. Believe me, effective testing always leads to the right choice of car.

Owning a car without a driver's license is completely legal. Car dealerships can easily sell a car for cash to a person who cannot drive or who is not buying a car for themselves. The situation is a little more complicated if the buyer wants to take out a car on credit, but does not have a driver’s license. Here the bank immediately has a question: for what purpose is the loan being taken, what is the likelihood that it is a fraudster, and why does a person need a car if he does not have a driver’s license. There can be many different situations: someone is signing up for a license and buying a car before receiving it, someone wants to give a gift to loved ones or simply rent out a car and make money from it. Previously, banks were very skeptical of clients without a driver’s license, but now you can easily get a car loan for a person without a license.

Car loan without driver's documents.

Most often, a car loan is issued using two documents: a passport and a second one of your choice (SNILS, INN, license). Sometimes the bank may request income documents or a copy of the work record book if the amount is large. Some lenders require that the borrower have a license to drive a vehicle, but in others this is not necessary. As practice has shown, not all potential borrowers have rights, and a car purchased on credit will not be used by them.

The lender may find it suspicious that a person who cannot drive is going to buy a car, so the requirements for such a borrower will be more stringent: providing a certificate of income, having a down payment, a higher interest rate. Reasons for buying a car on credit without a license:

• The purchase is made by spouses, for example, a wife buys a car for her husband, who will drive it, so she does not need a license. Or one of the spouses may already have a loan, so he was denied a car loan.
• The car is bought as a gift for loved ones. According to statistics, the car was recognized as the most desired gift. For example, a mother can buy a car for her son, although she herself does not know how to drive.
• The car is purchased for rental. The borrower intends to rent out the car, earn money from it and pay off the loan using the income.
• Buying a car some time before obtaining a driver's license. The borrower can study for a license and during the period of study look after and buy a car.

Thus, there can be many reasons for applying for a car loan for a person without a license, and they can all be legal and justified. To increase trade turnover and attract new customers, banks are now more loyal to borrowers without rights.

Documents for obtaining a car loan.

The list of documents will depend on how much the client wants to take. Each credit institution has its own restrictions. For example, for an amount up to 500 tr. All you need is a passport and a second document of your choice. But for a larger amount you will have to provide documents on income, certificates of employment or a work record book.

The main criterion for approval of a car loan is a sufficient level of income. Based on this, interest and overpayment will be formed. The interest rate is also influenced by the size of the down payment and the term of the loan.

Let's look at the list of documents for a car loan from Plus Bank:

If the loan is up to 1.5 million rubles, then you need to provide, in addition to a passport with permanent residence permit, your choice of:

• International passport.
• Driver's license.
• Military ID
• Passport of a citizen who has a driver's license.

For the amount of 1.5 million rubles:

• Documents on income (certificates in the form established by the bank, 2NDFL, tax statements on taxes paid (for individual entrepreneurs)).
• Documents from the place of work: certificates, employment contract, work book.

Plus Bank issues car loans without a down payment for the purchase of new and used cars. A CASCO policy can be issued upon request. The loan can be repaid ahead of schedule at any stage.

Why do you need a driver's license when applying for a car loan?

They are needed to provide as a second document when submitting an application, as well as for issuing CASCO and OSAGO policies and registering the car. The presence of a license indicates that the client is purchasing a car for his own use (the risk of fraud is minimized) and is not mentally ill (when registering a license, a medical check of future drivers is carried out). Most often, the car is used as collateral by the bank until the loan is repaid. In the requirements for collateral, you can find conditions that no one except the client has the right to use it, so as not to damage it. In the case of a car loan, the title is used as collateral, and the car is transferred to the owner.

In the absence of a driver's license, a mandatory requirement is to issue a CASCO policy with the maximum package of options. It contains the data of the person who will drive the car while repaying the loan.

After approval and processing of the loan, the car must be registered. To do this, you can make a power of attorney for the person specified in the insurance.

How to get a car loan without a license?

• Find a bank where having a driver's license is not mandatory.
• Study the terms and conditions of a car loan.
• Apply now
• Wait for a response (the decision is usually made within a day).
• Sign a loan agreement
• Pay for insurance and include the future driver of the car in it.
• Draw up an agreement on the transfer of the vehicle as collateral until the car loan is repaid. The PTS will be stored in a bank safe. After full repayment, the document is transferred to the owner of the car.
• After all the documents have been completed, you can pick up your new car from the dealership and start using it.

Thus, you can get a car loan for a person without a license. To do this, it is enough to find a bank with suitable conditions.

Do you have any expectations regarding the future car. For example, let's say you want to go on picnics with friends every weekend. Or you want a two-seater car, just for yourself and your significant other.

But reality makes its own adjustments: friends are always busy, and there is an addition to the family.

This is not so important if you can change the car at any time. But such opportunities are the exception rather than the rule. When you choose a model, imagine that it will be with you for many years.

2. Uneconomical car

If you don’t have driving experience, then you can hardly imagine how much money it actually costs to fill the gas station.

Fuel prices are not encouraging and are unlikely to be encouraging in the near future. The cost of gasoline when buying an uneconomical car can unsettle you, especially if you start using the car actively.

Car maintenance is an expensive pleasure. And you will quickly feel that money is flying down the exhaust pipe.

The same applies to the cost of spare parts. The car will still have to be repaired, even if only for small things. Before buying, look at how much you will have to spend on standard repairs.

Visit forums where owners of cars of the brand you are interested in talk about their cars. You will immediately find out about the problem areas of the car. And then think about whether your wallet can bear such expenses.

3. Unexpected repairs

“Buy used! Why do you need a new one right away?” - this advice is often given to beginners.

Of course, used cars are cheaper. And it’s not so bad to scratch them, for example. But even experienced motorists cannot determine whether everything is normal in a used car. To do this you need to be an experienced auto mechanic.

They even advise checking the car at reliable, “our” stations, and not at those recommended by the seller. Hidden defects can be very expensive. So, if you decide to choose a used car, go shopping with a mechanic. Even if his services cost several thousand, you will save more.

And this is not to mention the fact that a car malfunction can cost not only money, but also health.

4. Machine for slaughter

“Buy something worse: you won’t mind breaking it, and you’ll learn to drive!” - this is generally advice number one from experienced drivers.

Now think about why you are taking a car. To break it or to ride it? To be sure to learn how to repair yourself or to move from point A to point B?

Beginners feel uncomfortable behind the wheel. If you put them in prison for driving a “killed” car, it will only get worse. Why create additional difficulties for yourself and take risks when you can buy not the most expensive, but reliable car and get comfortable on the roads with it - it’s unclear.

5. Car for show off

Before choosing a car, think about what you will do with it. The car should be reliable, easily take you to your destination and accommodate the things you usually carry with you. Cars are full of upgrade opportunities, but basic functions cannot be expanded.

There is an opinion that a beautiful and fashionable car will impress others and make your life better. However, just a good, reliable car can do the same thing.

Approach choosing a car like choosing a tool and don't let emotions control your decision.

6. Hopes for future profits

Cars are expensive, but this does not mean that investing in a car will pay off (we are not talking about business now, but about a personal car). When resold, any car loses value only due to the fact of a change of owner. At the dealership they will recommend you a more expensive car and will tell you that it will cost a lot even when sold. This is not an argument worth listening to. Let's say an automatic transmission will cost more when sold. But this will have little effect on the overall reduction in the value of a used car.

So the car is not an investment. Keep expenses to a minimum and buy a safe and reliable vehicle.

7. Purchase without haggling

If you went to buy a used car, then keep in mind: the price tag set by the seller is indicative. You can and should bargain; as a rule, sellers are ready to lower the price. To achieve this, you need to carefully inspect the car and ask questions about its condition. An attentive and experienced buyer can reduce the price by tens of thousands of rubles. Either study the forums to understand what to ask, or still take a mechanic with you who will ask for you.

8. Car loan right in the showroom

When buying a car is almost a done deal, there's one last pitfall to avoid. Especially if you decide to take out a car loan. So, you are standing in front of your car, and then the dealer says that you can buy it right now under special conditions. Just sign the loan agreement, and then every month you will only have to pay nothing.

This is where you need to make a strong-willed effort and not sign. Read carefully what conditions are offered to you. Loans in salons are often unprofitable and are given at a high interest rate. It’s better to study the banks’ offers and find the best option. Do this before going to the salon so as not to tempt yourself.

Tell us in the comments how you chose your first car? Share stories and insights.

Imagine that you need a car not for two hours, but for several weeks, or a month, or a season. In this case, instead of car sharing, you can rent a car for a long time by the day. You don’t even have to pay rent if you rent a taxi rather than a regular car.

Of course, renting a car for a long period of time is not as convenient and quick as simply opening the app and going down to the nearest car. Most likely, you will have to go to the office, sign an agreement and even make a deposit or at least link a card. But the car will be available at more favorable rates than in car sharing, the daily mileage will not be so severely limited, the area of ​​use will, as a rule, be larger, although, of course, you will have to refuel and wash it yourself. Here are the differences between car sharing and rental in a nutshell.

Naturally, the car is already half yours and sits in your yard every day, and you will have to pay for city parking yourself. For a real car driver, these are all understandable disadvantages. However, imagine that I need a car for a long time, but I am not ready or do not want to pay rent. Is there a way to find a car under such conditions? I undertake to say that there is. This is a taxi car rental.

In fact, carsharing and taxis have quite a bit in common. The connection with Yandex.Taxi is quite obvious: both in terms of tariffs, and in terms of the joint account, and in terms of the company’s management structure. You may have heard of . And in general, I do not rule out that carsharing and taxis will develop largely in parallel, if not hand in hand, if only simply because these are two actively growing types of urban transport. They have a lot in common in terms of investment models, and I think it’s no accident that Yandex is involved in both car sharing and taxis.

So, about “free” rent. As you understand, if you have a taxi in your hands, and not a regular car, you can work for some time during the day in a taxi, due to which you can fully or partially pay for the rent. The classic working shift of a taxi is not so short - from eight to twelve hours. To fully justify the cost of rent, gasoline, periodic washing and start earning money, you will need to work about half of this time. But if you want, you can earn more than rent.

Do not think that if you rent a taxi car, it will definitely shout about itself at every corner that it is a taxi. I know many people who buy such cars, and their friends have no idea about the origin of the car. The car doesn’t look like a taxi, and many renters can even boast that they bought the car themselves - no one will understand anyway. Of course, you can rent a yellow car or a car branded in Yandex.Taxi, but you can just as easily rent completely white cars. Moreover, if you look around you on the roads (I live in Moscow), often simple white cars are taxis, you just didn’t realize it. By the way, taxi rental is available even to foreigners without any noticeable problems; of course, there are some peculiarities, but renting a car and working is quite possible. A similar review on the same topic for car sharing services, but restrictions on age and experience when renting a taxi can be stricter than in car sharing.

Why is it easy to make money with such a machine and where can I get orders? Since childhood, I was attracted by the romance of taxis, and my hands were itching to try myself in this role. I even remember conducting experiments, picking up passengers on the street “by hand,” probably in 2010. It turned out disgusting: I didn’t know the city well, there was no good navigation back then, and it was inconvenient to accept money from passengers. If you are not a professional, such experiences could not end well, at least in my case.

However, everything changed for me in 2014, when I first boarded Uber as a passenger and then as a driver. Finally, the good people from San Francisco made it so that even a person far from a taxi, a simple office worker, could actually work in a taxi. All issues were resolved in the app: no need to look for an order, no need to think hard about how to drive to complete it, no need to even worry about how to accept payment after the trip - Uber did all this for me. Uber is almost gone, but its banner is carried with honor by Yandex.Taxi, so there is no problem with getting behind the wheel and earning extra money. From experience I will say that the most difficult thing is to start and complete the first order, after that the work is not particularly difficult, if you have the desire.

Thus, the recipe for a “free” rental: take a taxi car and earn extra money in Yandex.Taxi; the rest of the time you can use the car for personal or other selfish purposes. This is an unusual alternative to long-term car rental, for which you don’t even have to pay, and, if you wish, you can earn money. What do you think?

Instructions

In fact, everyone has a chance to get one, and for this you don’t need to be a leggy blonde with outstanding assets. It is enough just to make some effort to achieve your own goal. You need to be persistent and constantly stay in touch with those who can provide.

First, you need to clarify whether any charitable organizations located in the driver’s city of residence donate cars as financial assistance. Such sponsorship is provided by some foreign funds, but in this case the potential owner of the vehicle will have to prove that he really needs it and is in distress.

You can also get a car for free using the Internet. Some portals publish advertisements in which car owners are ready to part with their cars. It is worth noting that these vehicles most often need repairs, but the main thing is that the driver can get them completely free of charge.

Another option is playing the lottery. Of course, there is a possibility that the draw was purchased and its winners are already known in advance, but it’s worth a try. It is quite possible that the lottery organizer is giving away cars for free. This chance is definitely worth taking advantage of if the driver wants to get a vehicle without paying a penny.

If the driver just wants to drive around the city without leaving it, he can find a job where he will be allowed to take the vehicle home. Among other things, drivers who transport businessmen or important political figures often receive a free car and a small reward as a gift for good service.

Do you think it is impossible to win a car in the lottery? You are wrong. Absolutely anyone can win a car, but only if they use these simple but important instructions.

Instructions

Firstly, if you need to cross out three digits on the lottery ticket you purchased, then focus on the full date of yours (day, month and year). Believe me, these numbers are the happiest for you. Let's say you were born on March 10, 1980 (06/10/1980). This means that for you the first is 10, the second is 6, the third is 18. Why 18? Add each number of yours (1+9+8+0=18). If you have to cross out six numbers on a lottery ticket, first think about which ones might correspond to your initials. You can refer to the table below. A1 D5 Z9 M13 R17 F21 Sh25 Y29B2 E6 I10 N14 C18 X22 Sh26 B3 E7 11 O15 T19 C23 E27 G4 Z8 L12 P16 U20 H24 Yu28If you need to select seven digits, add up the resulting values.

Secondly, the day of the week and month in which the ticket was purchased are also of great importance. Do you really want to win a car? Then it is better to buy on the day corresponding to your birthday. What day of the week should you choose? It is believed that on weekdays it is better to purchase a ticket for before lunch, and on weekends - from lunch to evening.

Thirdly, when purchasing a ticket, dress something special. Remember that clothes should not contain colors such as red or yellow. Wear only a dark outfit, preferably completely black. Even the underwear you wear on the day you buy a lottery ticket should be dark in color. Checks, stripes, polka dots, colorful designs - all this scares away luck. Don't wear anything new. For jewelry, you can afford a pendant or a silver chain. Under no circumstances should you be wearing gold. Also pin a pin to the inside of the collar, head down.

Fourth, follow a certain diet that attracts good luck. Eliminate garlic, beets, and dairy products from your diet. Eat fruits, meat, eggs.

Video on the topic

Helpful advice

Lotteries in which cars are played - “Bingo”, “Autokush”, “Russian Lotto”, “Golden Key”, etc.

For a disabled person, a car is by no means a luxury, but a necessity. The only means of transportation for people with disabilities, with which they have the opportunity to visit clinics, health centers and simply be socially accepted members of society. Unfortunately, disabled people have problems purchasing specially equipped cars.

Instructions

The lack of a federal program to provide transportation for people with disabilities is a serious problem. It's quite difficult to get a car. In 2005, a law was adopted on the monetization of benefits, according to which the regions are responsible for providing disabled people with cars.

If you have become disabled due to an injury at work, contact your company or the Social Insurance Fund. By law, they are the ones who must help you purchase a car.

After purchasing a car, contact the traffic police. There they will tell you which of the car services located nearby have the right (certificate) to install manual controls, if this was not installed at the factory. Please note: you will have to pay extra for installing manual equipment in a car service.

Then you will receive a certificate from the traffic police stating that the car with the installed equipment is safe for the driver and others.

Another problem is obtaining a driver's license for a person with disabilities. Disabled people should study in specialized schools. And if the theory can be studied at home on your own, then driving practice should take place in specially equipped cars under the guidance of experienced instructors who are licensed to train people with disabilities.

Sometimes driving schools provide training directly on the student’s car. In this case, additional brake and gas pedals are installed in the car interior, which are removed after successfully passing the exams.

Video on the topic

Sources:

• Benefits for disabled people for purchasing vehicles

Tip 4: How to buy a car on credit and not be left without money

Purchasing a car on credit in our country is becoming increasingly popular. At the same time, not only new vehicles are purchased on credit, but also used ones. Almost new cars very often end up on the secondary car market. But have they really already become so annoying to their owners? In fact, everything is much simpler - the owner, who bought this car on credit, was unable to cope with debt obligations and was forced to take extreme measures. Is it possible to buy a car on credit and remain its full owner for a long time? It’s possible, but you need to objectively assess your financial capabilities and choose a car wisely.

Where can I buy a car on credit?

If you want to buy a used car, then you have a great opportunity to buy even a high-class car inexpensively. You can purchase a used car at bank auctions where collateral is sold, or at car pawn shops. You can, of course, look for suitable options on a spontaneous car market, but the chances of getting caught by an unscrupulous seller there are much higher, and the bank is unlikely to agree to give you a loan to buy a car outright.

You can also buy a used car at a car dealership, especially since it is there that vehicles returned by owners through buyback are put up for sale. The risk of buying a car, even with minor defects in the interior, is minimized, since the technical condition of used cars undergoes a strict check. The documents for such cars are also in order, so you don’t have to worry that a month after the transaction is completed, an unexpected guest will show up to you with claims for the car you purchased.

If you want to buy a new car, then the only place where you can buy it is a car dealership. The cost of new premium cars will be much higher than used cars. However, those who want to buy a new car have one advantage - banks are much more willing to help such clients.

Accurate calculation – minimum problems

In order to buy a car on credit and not subsequently find yourself in a difficult financial situation, you need to carefully study all the components of the loan transaction.

Select for yourself 2-3 car models that suit you in terms of price and quality. Compare the terms of car loans in different banks, ask credit managers to make an approximate repayment schedule to compare how much you will have to pay monthly for a particular car model. Choose a bank that offers a loan on the most favorable terms for you. Don’t forget to add the costs of vehicle insurance and the bank’s commission for issuing a loan to the mandatory expenses column. A car loan with a lower interest rate necessarily requires the borrower to make a down payment, which is about 20-30% of the cost of the car.

Calculate your costs for maintaining, repairing and maintaining your car. Thus, it costs about $200 per month to maintain a middle-class car, and this does not include monthly loan payments. We should not exclude various force majeure circumstances - from a punctured wheel to a serious accident. If you take out a car loan based on your income, then even a small incident can quickly throw you out of your financial rut. To prevent your four-wheeled friend from becoming a burden, before taking out a car loan, you need to make an accurate calculation of all possible expenses.