First-Time Car Buyer's Checklist: 15 Things To Check Before Buying

Buying your first car? Here's a 15-point checklist covering budget, test drive, paperwork, insurance, and dealer negotiation — everything you need to know.

1. Set a budget — Include insurance, RTO, accessories. Total on-road cost = ex-showroom + 15-20%. 2. Check your loan eligibility — EMI should not exceed 15% of monthly income. 3. Shortlist 3-4 cars — Compare specs, mileage, safety, resale. 4. Read reviews — Check GaadiCharcha reviews and owner forums. 5. Visit the dealership — Touch and feel the car in person. 6. Take a proper test drive — At least 15 minutes, on different roads. 7. Check waiting period — Some cars have 3-6 month waits. 8. Negotiate on-road price — Not ex-showroom. Ask for free accessories. 9. Compare insurance quotes — Don't buy dealer insurance blindly. 10. Check for offers — Festive, corporate, exchange bonuses. 11. Book the car — Pay booking amount, get receipt. 12. Arrange finance — Get loan sanction letter before delivery. 13. Pre-delivery inspection — Check for scratches, dents, all features work. 14. Complete paperwork — RC, insurance, PUC, invoice, warranty. 15. Take delivery — Check spare tyre, toolkit, manual, all keys.