Complete Car Buying Checklist: From Research to Registration

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.