Having a car that is right for the whole family is very important. You may be at different stages of your family life. You could be just starting out and planning on having a few children in the next few years or you could be catering for a couple of six-foot teenagers! Whatever your family needs are, choosing the right car can be a tricky task. Depending on how long you want to keep your car for, you should also consider how you will fund your next car!
What do you need from a family car?
There are a few things which you should consider when buying your next family car to keep your family safe, comfortable and make your journeys as stress free as possible.
The main thing that all parents worried about is the safety of their children. For both driver and passengers, safety is key. Most modern cars nowadays come with a good safety specification as standard. If you want to find out the safety rating of a car, you can identify its Euro NCAP rating from any car dealer or find it online. The Euro NCAP rating is a five-star safety rating system which helps consumers identify the safest choice for all your needs. The number of stars a car is given reflects how well it performs in NCAP safety tests. The test ranges from 1-5 stars and is also influenced by the safety equipment which comes as standard.
Seats and space
If you’re planning on having a few children in the next few years, then having 5 seats may be no good for you. If you need more or just looking for a more spacious car then there are some great 7-seater car finance options available and some really stylish looking SUV’s. If you have a young family then you will need to cater for child car seats, buggies and all the bags and accessories that come with travelling with your little one.
It is worth considering which features a car has when making your decision on the perfect family car. Many cars come with some great ‘child friendly’ added extras and accessories. Things like smartphone integration, touch screen infotainment systems and iPad holders can make your journey that little bit easier. You should also consider the type of upholstery, which is in the car you choose, will it be easy to clean? Will it be likely to stain if there’s any drink spillages?
How will you fund your next car?
There are a number of options you have when choosing your next car but there are also a few ways in which you can consider funding your next car!
Pay in cash
Cash or paying for your car is a great option for many families. However, it isn’t the most popular option as it can take a long time to save up for the car you want, especially if you are looking at buying a new car. It can be the cheapest options in the long run though as you won’t pay any interest. You can also sell the car at any time as you will be the legal owner of the car from the start.
Hire Purchase car finance enables you to spread the cost of owning a newer car. You can benefit from flexible repayment terms and fixed interest rate. Your interest rate offered on any car finance deal can depend on your affordability and credit score. Having a lower credit score can mean higher APR rates however, there are many affordable options for bad credit car finance. You won’t legally own the car until the end of the agreement and the finance company can take the car off you if you fail to meet your repayment schedule.
Personal Contract Purchase
Personal Contract Purchase I very similar to Hire Purchase. You would usually pay a 10% deposit and then make monthly repayments with added interest to the end of your agreed term. However, at the end of a PCP deal, you have three options: hand the car back to the dealer, pay the balloon payment and keep the car or use the value of the car to start a new PCP deal on a new car. The main benefits of PCP deals include, low monthly payments, more flexibility at the end of the contract and it can usually let you buy a more expensive car than you might otherwise be able to afford.
What are the best family cars to buy 2021?
If you’re looking for a new car in 2021, why not check out some of the best family cars to buy 2021. Read the reviews by AutoExpress on a range of hatchbacks, SUV’s, MPV’s Salons and estates.
1. Skoda Superb
2. Hyundai Ioniq
3. Peugeot 508
4. Vauxhall Insignia
5. Skoda Scala
6. Volkswagen Golf
7. Toyota Corolla
8. Skoda Karoq
9. Kia e-Niro
10. Citroen Berlingo XL