The most important tips in buying your first car.

Car Loans

Buy your first car. Exciting isn’t it? To be allowed to drive a car, you naturally need your driver’s license first. For young drivers, it may take a while until their driver’s license is received. See for an example

That is an excellent time to ask a few questions about how to find the perfect first car. For example, do you prefer a new car or a second-hand model? Is it a car that runs on gasoline, diesel, electricity or is it a hybrid model?

Are extras important? What will you mainly use the car for? Approximately how many kilometers will you drive per year? All these questions are essential to finding the right car and car loan.

However, do not take into account your preference for brand and style in this guide. These factors are in fact secondary and for a first car that is not that important. Look especially for a solid first car that is safe for a novice driver.

Set a budget for your first car

Set a budget for your first car

When considering the purchase of a car, it is important to first establish a budget. You must take into account two factors: the purchase (and related unique costs) and the recurring costs.

The second factor is not unimportant since you also have to pay fuel, traffic tax, maintenance, inspections (annually for cars older than 4 years) and any repair costs to be able to use the car. In addition, the costs of insurance.

Consider the unique costs

The unique costs are only dealt with once when purchasing your first car. This purchase is accompanied by a number of extra costs that you must take into account, such as:

  • The license plate: the request for this must be submitted to the DIV (The Vehicle Registration Service) and costs USD 30, unless you want a personalized license plate, which costs around USD 2,000.
  • The registration certificate: this certificate (former pink and for new registrations beige) consists of two parts, one for home and one for in the car). The application costs USD 26.
  • The registration tax (CIA): the amount to be paid depends on the region where you live as well as your age and the capacity of your vehicle. An ecomalus applies to cars that emit more than 145 g CO² per km, with costs ranging between USD 100 and USD 2,500. Every driver only has to pay this tax once, for both new and used cars.

Also, consider the recurring costs

In addition to the unique costs, you must also consider recurring costs when you prepare a budget for your purchase. For example, think of:

  • The annual insurance costs are very important for young drivers as the premiums are more expensive for them. If the insured car is new, the price increases even more. The specifications of the car also play a role. To reduce costs, you can choose a car that matches your profile (eg do you use the car mainly during the week or only at the weekend?), Compare offers, go for a second-hand vehicle with small displacement and do not opt ​​for the full Omnium insurance if this is not necessary per se. You can request a quote from your parents’ insurer, with the chance that you will receive an advantageous offer.
  • Just like the BIV, the traffic tax depends on your region and the car itself. Do you live in Flanders? Then you can easily do a simulation. In Wallonia, the costs vary between USD 80.52 and USD 2,060.92. You must pay the road tax annually.
  • Maintenance and repairs will also be required. Usually, a check is required for every 15,000 km you travel, with a minimum of 1 time per year. The costs can vary considerably since every specialist imposes different prices. If parts are replaced, the cost of the part and the brand of the car will be, making an affordable brand also cheaper for repairs.
  • Parking costs and fines can quickly accumulate if you live in the city center. In most streets, you have to deal with parking meters and if you do not pay attention, you can receive a parking fine at any time. It will also cost you dearly if you tend to ignore speed limits.

Find the right car model


Once you have a budget in mind, you can fully focus on researching the right category for your car. Are you going for a city car, a sports car or maybe an SUV? Ask yourself the following 4 questions:

  • True? The environment where you will make the journeys has a lot of influence on the choice of a car model. Will you mainly drive in the city, in the countryside, on small roads or especially the highway?
  • How much? If you plan to travel more than 30,000 km, you will be cheaper with a diesel engine. Gasoline is more tax-wise for shorter distances. Of course, you can also consider the emissions and go for a car that causes as little pollution as possible.
  • How? Do you want to impress with a nice car, or is comfort especially important? Not all cars provide both options, so sometimes you have to make a choice. You must decide for yourself what the priorities are.
  • What? What do you intend to do by car? Do you need a lot of seats to carry a lot of passengers, do you need a large suitcase for your groceries or do you only use the car to move yourself to work?

Are you buying new or used?

Are you buying new or used?

Buying your first car will entail costs that depend on the condition of the car (new or used). It is therefore essential to decide in advance how much you want to spend. In Belgium, 80% of young drivers under 35 go ​​for a second-hand car.

First, new cars are very expensive. If you consider that these cars become 40% cheaper on average after two years of use, you understand why many drivers go for a second-hand model.without worry.