Many people in Russia dream to getown car, not always realizing what consequences it entails. Before you buy, you should clarify the cost of owning a car. Namely, how much money the driver will annually give out of his pocket for the maintenance of the car.
Calculating the cost of owning a car
Some drivers think that the most important thing isto find money to buy a car, but far from it. The car needs periodic maintenance of high quality, replacement parts and other materials. Not everyone has the knowledge sufficient to repair the car on their own, and are forced to turn to special salons, which only increases the amount of costs.
In addition, each year will need to payvehicle tax, extend CASCO and CTP policies, not to mention the cost of gasoline. It is from this list of expenses that the total cost of ownership is calculated. In some cases, this amount is so high that it can exceed the price of a new car.
Statistical information
Annually experts of various magazinesform, trying to figure out the cost of owning a car, a rating according to which Russian drivers can see how much their colleagues from other countries spend on average. Recently, the statistics is very depressing, experts argue that maintaining a car in Russia is much more expensive than in the United States or in Europe.
According to representatives of the agencies,who conducted opinion polls among drivers, for servicing a car, the average cost of which is 700 thousand, annually takes about 300 thousand rubles. For comparison, on average, American drivers have to spend about 220 thousand rubles a year in translation into Russian currency.
What costs should the owner of the car be prepared for?
To calculate the cost of 1 year of ownershipcar, you need to consider several items of expenditure. The largest expenses will come at the time of purchase of the vehicle. After buying the car, its newly-minted owner will have to purchase an OSAGO - a compulsory civil insurance policy, if it wishes, it can also purchase a CASCO. When buying a CASCO, the amount of expenses will depend on the trouble-free experience of the driver.
Important and logical costs are those thatallocated for the purchase of fuel. Financial costs in this case will be affected by engine size, as well as the state of the internal systems of the car. If you purchased a used vehicle, it is likely that it will “eat” too much gasoline due to the fatigue of certain internal systems.
Additional costs for the maintenance of the machine: maintenance
The following costs are related to technicalservice. If you purchased a brand new car, the mileage of which is zero, it is subject to technical regulations, according to which maintenance intervals are allocated. When buying a new car, it is possible to calculate the cost of servicing it even two or three years ahead, since the repair work is indicated in the warranty conditions, the cost of replacing various materials can be checked with the dealer.
If we are talking about acquiring a usedthe machine, then it is likely to need either full restoration or major maintenance, including the replacement of most consumables. Thus, the cost of owning a car will depend on the condition of the vehicle.
Replacement parts - another item of expenditure
Все детали и узлы, имеющиеся в автомобиле, possess a certain resource of durability which comes to an end sooner or later. In this regard, the vehicle will periodically need to replace the suspension, transmissions, engine parts, etc. These replacements should be attributed to another item of expenditure - “repair”.
Even new cars will need repairs,since they can also cause malfunctions and damage that cannot be repaired with warranty service. When buying a new car, check with the dealer what exactly is included in the warranty service in order to further calculate the cost of owning a car for a year.
Other maintenance costs
There is another item of expenditure that is earlyor later will touch any car owner. We are talking about other costs for the maintenance of the car - the purchase of sets of seasonal rubber, the payment of necessary taxes on the vehicle, payment of hull insurance and motor third party liability insurance, the cost of washing services, etc.
Some owners also take care of the inside.the decoration of his vehicle, getting for him blankets and pillows, which is important when traveling long distances. Souvenirs, miniature deodorants, original covers and much more are used as decorations. All this refers to the article "other expenses", you can save a little on this.
How to calculate the cost of owning a car?
To calculate the costs that will needspend on the maintenance of the car a year, you need to do some research. First you need to calculate the cost of insurance (mandatory), as well as hull insurance (if you decide to insure the car), you can do this in the insurance company. You can also calculate this amount yourself using online calculators.
The cost of owning a car whose ratingdirectly depends on the cost of its maintenance, also depends on how much money will constantly go to gasoline. To perform the calculations, it is necessary to know how much a liter of fuel costs, suitable for a car (at least approximately), gas mileage per 100 km of track, and the distance that a car will cover in a fixed period of time.
For example, the cost of a liter of gas is 30rubles, the car consumes about 10 liters of fuel in a cycle, and 800 kilometers pass every month, the annual mileage thus being 9,600 kilometers. To overcome this distance, the car will need to spend about 960 liters of fuel, for the purchase of which you will need to spend 28.8 thousand rubles. This amount should be included in the year cost of owning a car.
Helpful Tips
If you purchase a used car,It is recommended to consult with experienced car owners in advance, to clarify whether the model has weaknesses and advantages. Also, they will be able to tell you how much the components are for this car, and what the cost of possible repairs will be, if any.
When buying a vehicle, you should notonly accumulate the required amount for the purchase, but also calculate in advance the cost of owning a car, so that later you will have no problems and you would not look for money in the panic for repairs. If you take into account all possible items of expenditure, then you can immediately determine whether you will be able to maintain the car you want to buy, or whether it is worth staying at a more budget option.
After buying a car, it is recommended immediatelyinstall a CASCO on it, especially if your driving experience is not too great. In the event of a traffic accident, you can rely on compensation, according to the coefficient specified in your contract. CTP in this case is a mandatory requirement, without it, no driver has the right to move by car.
