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For many people, owning a prestige or luxury car seems like an impossible dream. The high sticker prices of brands like Mercedes-Benz, Jaguar, BMW and Audi put them out of reach for a lot of buyers. However, there are ways to get behind the wheel of your dream car without breaking the bank. Here are some tips for making prestige car ownership more affordable.
Consider Buying Used
One of the best ways to save money on a prestige car is to buy one that’s 2-3 years old. Most luxury vehicles see their biggest depreciation in the first couple of years. You can find lightly used models that have already taken that big depreciation hit but still have plenty of life left in them. Used prestige cars tend to hold their value very well compared to mainstream brands. Just be sure to have it thoroughly inspected by a mechanic before purchase.
Lease Instead of Buying Outright
Leasing a new luxury car often costs much less per month than financing a purchase. You just pay for the vehicle’s depreciation during the lease term, rather than its full purchase price. Lease terms of 2-4 years are common. At the end of the lease, you just return the car instead of having to worry about selling it or trading it in. Leasing also gets you a new vehicle with the latest features every few years.
Choose a Prestige Model with a Lower Base Price
Prestige doesn’t always mean the most expensive model available. Many luxury car brands offer entry-level models that are more affordable while still carrying the prestigious badge. For example, the BMW 1 Series and Audi A3 are great starter models. Go for a model with a smaller engine and avoid extra options and packages to save even more.
Consider a Nearly New Certified Pre-Owned Car
Many luxury car dealers offer late model used cars that have been thoroughly inspected and refurbished under their official certified pre-owned (CPO) programme. A certified pre-owned prestige car usually comes with an extended warranty, roadside assistance, service packages and attractive financing options. You can get peace of mind while spending much less than new.
Take Advantage of Current Finance Offers
Prestige carmakers and dealers regularly offer financing incentives like low APR deals and payment plans to move inventory, which is handy if you are looking for car finance Sheffield or elsewhere. It’s possible to get very low interest rates on certain models, which reduces your total cost. Payment plans allow you to start with lower monthly payments for a short time, and even if you have bad credit, car finance is still within reach.
Protect Your Investment with Warranties
Extended warranties and maintenance plans are essential for maintaining a prestige car affordably over the long run. Factory extended warranties provide coverage beyond the normal 3-year period. Maintenance packages bundle required services into a single payment plan. This allows you to budget for maintenance costs.
The high sticker price of a prestige car can be intimidating. But with the right planning and smart financial moves, owning your dream luxury vehicle could be more affordable than you think. Consider leasing, buying used or looking at certified pre-owned models. Take advantage of financing deals and extended protection plans. With the right approach, driving a car with prestige doesn’t have to wreck your budget.
David Prior
David Prior is the editor of Today News, responsible for the overall editorial strategy. He is an NCTJ-qualified journalist with over 20 years’ experience, and is also editor of the award-winning hyperlocal news title Altrincham Today. His LinkedIn profile is here.
