How to choose the right vehicle for your family?
Many are faced with this fateful decision;
Young couples who become a family or another child who joins his brother - in both cases the situation is similar: looking for a family car or the next family car.
A little bigger, more spacious and most importantly - simply adapted to the new needs of the family, expanding or emerging
In collaboration with Phoenix Smart
03/01/2022
Monday, 03 January 2022, 08:30
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Car is an expensive business.
Purchase costs are high, partly because of the high taxation and after the purchase.
Annual maintenance of a vehicle amounts to several thousand shekels which include the annual depreciation, fuel cost, car insurance, annual treatments, test, occasional parking reports and additional garage expenses in case of malfunction or damage to the vehicle for various reasons - from accident to a tree crashing in a storm The
options available to those looking for a family car are many, the choice is difficult and the Han-Dino method is less recommended in a decision of this magnitude. So how do you choose a family? Here are some points and parameters to consider on the way to the right decision for you.
New or used vehicle: budget and financing options
Your first step should be to set a budget. How much money can you spend on a family car and what are your options in terms of capital and financing. Are you going to sell your existing car or is it your first car? Is it possible to trade in the old vehicle, is a loan taken into account, etc. It is also time to consider the possibility of buying a used car.
Sometimes it is worth giving up tearing the nylons and buying a used car in good condition. In this decision take into account the decline in value that each new vehicle absorbs and if you did not know you should know: when a new vehicle hits the road, already in its first kilometer it loses about 30% of its value and continues to shed about 10% -15% of its value from year to year. This is absolutely one of the main parameters that drop the spoon in favor of a used car.
On the other hand, a new car will usually be more sophisticated, safer and more economical in fuel and at the time of purchase - the financing options and payment schedule are more diverse than when buying a used car. All car importers today provide financing options for purchase, The loan.
What are our options for a family car? (Photo: ShutterStock)
In town or village: large or compact
The size of your next car depends of course on the number of people it is supposed to drive at once but also on your place of residence.
Still, almost any vehicle can accommodate three people in the back, and yet one will enter the relatively small parking lot below your townhouse and another will not.
Where do you live - in the village or in the city?
Do you have private parking, located in an area of ample parking or where available parking near the house is a kind of victory?
For reasons of sidewalks painted in blue and white it may be better to have a little crowded at the back.
On the road or on a dirt road: hosts or hosts
Some families turn into an adventure every weekend and some like to be at home.
There are families who spend time in the Tel Aviv port or at the Bilu junction and there are those who need some dirt road under the wheels and a cooler in the trunk at least every second weekend.
What kind of family are you?
What is your vehicle going to go through in the coming years and what other needs is it supposed to provide, besides the daily commutes to work?
Another point that should go into the total considerations in choosing a vehicle.
Low or high, 4X4, trunk for luggage and sleeping bags or one that is enough for shopping, a spacious cabin for long trips in comfort and more.
Safety and security: Who is going to drive the car?
Obviously we would all like to buy the safest vehicle on the market. The one equipped with the most advanced safety systems available, the one that detects a pedestrian even before you notice he has decided to cross, the one who not only beeped before colliding with the vehicle in front or deviated from the lane, but knew how to actually stop alone or put the steering wheel back in place. A vehicle that will protect us and our family from the dangers lurking on the roads of Israel. The problem is that not all of us have a penny in our pocket and very sophisticated vehicles are also more expensive.
Bottom line, the vast majority of new cars on the roads are safer cars and even several times more than any old vehicle. Active safety systems exist in many of the vehicles and safety equipment for accident prevention like Mobilai can be installed in any vehicle. Not only is it possible, but every new vehicle imported into Israel is required to install a Mobilai audible warning system and any older vehicle that installs such a system receives a discount on compulsory and comprehensive insurance.
And yet, if the new vehicle is about to be driven by a young driver, it may be worthwhile to invest a little more and go for the vehicle that knew how to maintain them in the best way.
There is a difference between an audible warning from a mover and a vehicle that is not satisfied with the sound, but does preventive actions alone - such as braking or guarding the lane.
Young drivers drive less well, no matter how confident they are.
Seniority and experience are necessary for learning proper, relaxed driving and especially getting out of situations.
A quick and correct response at the right time and in the right case are just a matter of experience.
Where a new driver would brake, another driver knew how to turn the steering wheel, for example.
Remember this too, when choosing a car.
Insurance by type of driver (Photo: ShutterStock)
Car insurance: protection and safety
As part of the annual costs that are the maintenance of your family car, car insurance is among the most significant of them - compulsory insurance and comprehensive car insurance amount to several thousand shekels a year. Since car insurance is a product that is customized and the cost of the annual premium depends on the type of car and the drivers who will drive it, it is recommended to check before deciding what the insurance costs are for the cars that you are applying for.
Family car insurance will include two policies: compulsory and comprehensive insurance. The first provides financial protection for cases of bodily injury in an accident, is mandatory under the law and driving without such insurance is a criminal offense for anything that carries fines.
Comprehensive insurance, as you probably know, is the coverage for damage repaired to your car following an accident, even when it occurs when your vehicle is unmanned in parking and following other factors such as fire, flood or flooding, trees and objects flying in strong winds, earthquake and other force majeure events. Comprehensive insurance also provides coverage for cases of damage following a burglary or other act done maliciously as well as for cases of vehicle theft or Total Loss declaration after an accident. When it comes to theft or unloading from the road due to Total Loss, comprehensive insurance compensates the insured in an amount equal to the current value of the vehicle in the market (of course not according to its value at the time of purchase).
The premium of the two policies depends most significantly on the type of driver - a young driver or drivers as well as drivers with past accident and insurance claims documentation (three years back) will significantly increase the cost of compulsory and comprehensive insurance. The type of vehicle affects the compulsory insurance with respect to its level of safety and the active safety systems in which it is equipped. Things are pretty simple - an insurance company basically calculates the level of risk of each driver and the chance that he will be involved in an accident and sue the car insurance for compensation. Drivers who are more prone to disaster and who drive a vehicle that does not know how to warn of an impending accident will pay more than old and careful drivers without accidents in the past who drive a vehicle that knows how to prevent an accident.
These are not the only parameters that every insurance company takes into account when formulating a quote for each insured, but they are the main ones.
Drivers insurers cars whose value is particularly high are required generally not only install the system to prevent accidents, but also the installation of protective systems to prevent theft and thereby reduce the chances of compensation for theft.
Anyway, if you decide to make a purchase process correctly and based that includes reviewing insurance costs, should of course Get quotes from several companies and compare prices between them. In addition to comparing prices, it is worth going to the Ministry of Finance's website for the service index of insurance companies and go through the scores that each insurance company receives for the quality of its service to policyholders. And the car insurance policy that will provide you with maximum peace of mind.Now all that remains is to choose the car color that suits you.
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