1) Budget & Finance
- Set a realistic budget (purchase + on‑roads + insurance + running costs).
- Check credit file and score; tidy any issues early.
- Use our calculator to model term, rate and balloons; aim for total cost that fits your plan.
- Obtain a pre‑approval to firm your negotiating position.
2) Research & Short‑list
- Compare models on safety, running costs, warranty and resale.
- Get total drive‑away quotes (on‑roads vary by state/class).
- Check insurance quotes for each short‑list model.
3) Inspect & Test Drive
- Book back‑to‑back test drives; check visibility, ergonomics, NVH.
- For used cars: obtain service history, PPSR, and arrange a pre‑purchase inspection.
- Confirm recall status and any campaign work.
4) Negotiate the Deal
- Negotiate on drive‑away price; avoid monthly‑only framing.
- Itemise extras (tint, protection, insurance) — buy only what you need.
- For trade‑ins: get independent offers to benchmark dealer allowance.
5) Contract & Finance
- Read the contract: fees, early payout/break costs, balloon terms.
- Ensure VIN, price, delivery items and conditions are correct.
- Submit final finance docs; keep copies of all disclosures.
6) Insurance & Registration
- Arrange comprehensive insurance to begin on delivery day.
- Confirm rego/CTP details and plate transfer where applicable.
- Keep tax invoice, PPSR/ownership and warranty documents together.
7) Delivery Day
- Walk‑around inspection; note any defects in writing before you drive away.
- Collect spare keys, manuals, service book, wheel‑lock key and charge cables (if EV).
- Confirm next service interval and warranty conditions.