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  • Setting the Budget for a New Car
    Uploaded 8 years ago

    Setting the Budget for a New Car

  • Diesel VS Petrol: What’s The Difference And Which Is Better?
    Uploaded 1 day ago

    Diesel VS Petrol Whats The Difference And Which Is Better?

  • Big Changes In Drunk Driving Laws: What You Should Know
    Uploaded 2 days ago

    Big Changes In Drunk Driving Laws What You Should Know

  • Car Security: Three Essentials Every Car Owner Should Have
    Uploaded 3 days ago

    Car Security Three Essentials Every Car Owner Should Have

  • 5 signs that you need to visit a car repair workshop
    Uploaded 4 days ago

    5 signs that you need to visit a car repair workshop

  • Getting your teen their first car? Advice from the pros
    Uploaded 1 week ago

    Getting your teen their first car? Advice from the pros

Uploaded 8 years ago

Setting the Budget for a New Car

Setting the Budget for a New Car


Before you think about which new car  to buy, you&rsquoll need to work out how much you have to spend.

&bull Work out how much your current car is worth, and whether you will sell it privately or part-exchange it with a dealer

&bull Decide on whether you need to take out car finance

&bull Calculate how much your fuel and car insurance costs are likely to be


It&rsquos crucial to choose a new car which fulfils your needs, but doesn&rsquot leave you out of pocket

Often the best way to work out if you can buy a new car  is to think of its cost per month. Once you have found an example of a new car you are interested in, add together the following figures

&bull Divide the price of the car by the number of months you will be paying for it (if you&rsquore taking out a loan or finance)

&bull The cost of car insurance per month

&bull The cost of your expected fuel usage per month

&bull The cost of expected maintenance per month (include servicing and replacement tyres)

&bull The cost of repairs (if expected) per month

If you&rsquore taking out car finance, there&rsquos plenty you can do to get lower payments

&bull Shop around for personal loans &ndash you could get more money and pay less for it

&bull Push the dealer hard for a better deal on finance (and try and haggle more money off the car&rsquos price)

&bull Consider a Personal Contract Purchase (PCP)

The value of your current new car could also have a big affect on your budget. Getting a car valuation can tell you how much your old car is worth, whether you&rsquore selling privately or trading-in your car as a part-exchange.

If all this is more than you can afford, search for the same new car model with a smaller engine, as this will usually reduce, fuel, insurance and maintenance costs.

The most important thing to check before agreeing to any loan is the total amount you will pay over the loan period.

&bull Study the Annual Percentage Rate (APR) &ndash the lower the rate, the less you&rsquoll pay in interest

&bull Understand additional payments such as setup fees or early repayment charges

&bull Compare the total amount you&rsquoll pay back &ndash a lower APR over a longer period may sound appealing, but it could cost more in the long run

&bull Work out if you need Payment Protection Insurance (PPI) &ndash many lenders will offer it, but it can be cheaper to arrange it through a standalone provider

Unsecured Personal Loans

This is a loan which is based on your ability to make monthly repayments. No assets, such as your house or car, are used as security for the loan.

&bull The monthly repayments and loan length (term) are fixed

&bull A new car bought with an unsecured personal loan is owned outright by you and can be sold at any time, but the repayments will continue regardless of whether you still own the car

&bull Most unsecured personal loans cannot be repaid early without incurring a penalty payment

&bull If you choose a flexible loan it may allow you to take a break in repayments or to repay the loan early, free of charge

&bull Choosing a deferred loan may permit lower monthly payments, but with one large payment at the end of the loan contract

Secured Loans

You can secure a loan against assets such as your home, which allows larger amounts to be borrowed over a longer period.

&bull Lower monthly repayments than equivalent unsecured personal loans are usually available

&bull If you cannot make repayments, the assets used to secure the loan can be repossessed

Personal Contract Purchase (PCP)

A PCP allows you to pay a deposit and lease a car for a fixed time with lower monthly repayments.

An example PCP plan for a R200,000 car could be

&bull A large deposit     R60,000

&bull Monthly payments     36x R2500 (Totalling R90,000)

&bull A final payment     R50,000

The final payment &ndash sometimes known as a balloon payment &ndash is calculated at the beginning of the agreement and is based on the predicted future value of your new car. At the end of the agreement, there are three options

&bull Pay the balloon payment and keep the car

&bull Hand the car back and walk away from the deal

&bull Use the guaranteed value as a deposit for your next new car



&bull PCP payments are usually lower than Hire Purchase (HP) payments

&bull You don&rsquot fully own the car until the balloon payment is made

&bull You can&rsquot sell the car until the balloon payment is made

&bull Going over the set mileage will incur extra costs

&bull Some PCP contracts can include maintenance of the car

Hire Purchase (HP)

Many dealers will offer you Hire Purchase to buy your car over a set period, with fixed monthly payments.

&bull An initial deposit may be required

&bull A bigger deposit reduces monthly repayments

&bull You only own the car when the last payment has been made

&bull You must settle the finance debt before selling a car

Shop around

Whatever type of car finance you&rsquore offered, always shop around and haggle hard for the best deal on a new car

&bull Use internet loan search engines to find the most competitive car deal 

&bull Know your best deal before going to a new car dealer  &ndash they may not match the offer

&bull Haggle with dealers to get the car finance repayments down &ndash taking out car finance with a new car dealer can mean a bigger discount on the car

long run.

Visit for new, used and demo cars



Uploaded 1 day ago

Diesel VS Petrol Whats The Difference And Which Is Better?

Diesel VS Petrol Whats The Difference And Which Is Better?

Most vehicles offer a diesel version of their models, but do you know what the differences are and why it might matter when you decide what fuel-efficient car to buy? We look at the main aspects to consider. 

Cost Of Diesel VS Petrol Vehicles

Diesel vehicles are always more expensive to buy than their petrol-based counterparts. This is because diesel engines are technically and mechanically more complex and typically require specialised maintenance. However, diesel vehicles consume significantly less fuel than petrol ones - in fact, you're looking at a saving of between 25-30% on fuel expenses if you often drive long distances. Another benefit of diesel vehicles, in particular 4x4s, is that they have a lot more pulling power than petrol versions. So if you're looking for a powerful and fuel-efficient bakkie or SUV, a diesel would be your best bet. If you are aiming at getting a smaller vehicle that won't need serious power to just drive around to work and back, you'd be better off getting a petrol model. 

The Future Of Diesel And Environmental Impact Something To Bear In Mind

Due to rising concern about air pollution and goals to improve emission ratings for vehicles of all kinds, diesel has come under scrutiny in recent years. While both diesel and petrol are fossil fuels which create toxic emissions as by-products, diesel is significantly more harmful and toxic to humans and other organic lifeforms. Inhaling diesel fumes have proven to drastically reduce human lifespan and yet many South African consumers choose to invest in and drive diesel vehicles because of their lower fuel consumption rates. Should diesel engines become penalised locally, we're very likely to see the resale value of diesel vehicles plummeting, in stark contradiction to their current reputation for generally returning more cash to your pocket than a petrol vehicle would once you trade it in or sell it. 

South Africa isn't likely to see these strict regulations implemented for quite a few years though, so, for now, the choice of whether you want a petrol or diesel version of the local selection of fuel-efficient cars is still very much up to you. 

Contact us at Imperial Select to book an appointment at our car repair workshop.

Uploaded 2 days ago

Big Changes In Drunk Driving Laws What You Should Know

Big Changes In Drunk Driving Laws What You Should Know

During a recent public announcement on 24 January, Transport minister Fikile Mbabula announced that there will soon be a drastic change in South African drunk driving laws, which will impact anyone who drives under the influence of alcohol. The current law permits driving if your blood alcohol level is less than 0.5%, but due to the high accident rates on our roads, this has now been revised to enforce an absolute zero-tolerance policy. As of June this year, anyone drinking and driving, regardless of how little they may have had to drink, will be breaking the law. This means that you won't legally be allowed to drive if you've drunk any alcohol, even getting behind the wheel after just one tot of whiskey will carry serious consequences. 

How Will This Impact Drivers?

From June 2020, if you test positive for alcohol, regardless of what fraction of a percentage it may be, you will be fined a minimum of R2000 and could face a two-year jail sentence on top of that, depending on the particular circumstances at the time. Drivers will have their drunk driving offences on their permanent criminal record and could very likely have their driving license suspended or entirely revoked. This clampdown on drunk driving comes in conjunction with the new point demerit system that will be implemented later this year, leaving a very tight margin for error for motorists in the country. For example, should you be caught driving after drinking and possibly committing a traffic offence at the same time, you'll have to face the good likelihood that you may not only be fined but also arrested and lose your license as a result.

What Are My Alternative Options?

Your best and the only real choice is to not drink at all if you know you'll need to drive anywhere. Otherwise, select a friend to be the designated and completely sober driver, or get an Uber to transport you if you're planning on a night out. Alternatively, you could just stay at home and have a braai and beer there without worries - just be sure to have your friends stay over or catch a cab home.

While these new laws will cause inconvenience for many South Africans who enjoy a casual beer after work before heading home, the aim of these new policies is to improve safety on our roads and reduce the alarmingly high fatality rates we see each year. 

Uploaded 3 days ago

Car Security Three Essentials Every Car Owner Should Have

Car Security Three Essentials Every Car Owner Should Have

Being a proud car owner, you do your best to keep your car clean, safe and running smoothly. Unfortunately, there are times in life when the unforeseen happens, leaving you either having to fork out money for repairs or insurance excess from a claim, or perhaps even being in an accident where you are not the responsible party. Aside from being a responsible driver and car owner, there are a few extra things you can do to keep yourself safe on the roads or even while you're away from your parked car. Here are a few things which will give you even greater peace of mind when it comes to car security on and off the road

Get A Dash Camera

While they were initially not so commonplace, having an onboard camera in your car to record everything while you drive is fast becoming a very wise investment and precautionary measure in South Africa. Most countries in Europe have entirely banned the use of dashcams in vehicles due to extremely strict data protection laws, but locally there hasn't been any such development - and this means you'll benefit from having one, while it's still legal here. Car accidents, fender benders, collisions with pedestrians or any other road incidents where your car is involved always carry the possibility of being implicated in an offence you weren&rsquot involved in or were not responsible for. Having footage of the incident can be of immense value to help you prove your innocence, contest a liability claim or be irrefutably excused from having involvement in the incident. Dash cameras aren't very expensive to buy, but they could potentially save you a huge amount of money and inconvenience in future.

Tracking Devices

Our country is equipped with a network of very advanced vehicle tracking and recovery services that are able to constantly keep an eye on your car, even when it's not in transit. Having a tracking device installed will give you complete peace of mind that you'll always know where your car is and if there's any tampering or suspicious activity happening to it while you're not there. Another bonus benefit of having a tracker is that it will bring down your car insurance premiums quite significantly. 

'Smash-and-grab' Window Film

A security investment that South Africans have trusted for many years, getting your car windows coated with the protective smash-and-grab film will help prevent unexpected attacks while on the road, keeping you and your loved ones safe. Most glass installation companies offer this service and after application of the treatment, you can drive with the confidence that your windows will not shatter if impacted and you are much less likely to suffer theft or hijacking. Because the film coats both the inside and outside of your car's windows, you won't suffer injury from glass shards because the film keeps the glass contained even if it shatters.

We hope these tips on how to improve your car security features will help guide you towards making improvements to ensure your own safety on the road. For more information on car security or used cars for sale at Imperial Select, contact us today. 

Uploaded 4 days ago

5 signs that you need to visit a car repair workshop

5 signs that you need to visit a car repair workshop

You and your car spend many hours a week together, year after year, and you'd surely want to keep it in great running condition so that it doesn't let you down unexpectedly. It&rsquos a good idea for you, as a responsible car owner, to know what signs to look out for and act quickly if you spot any of them. While you don't have to be a mechanic and know all the complicated details of your vehicle, being able to self-identify certain issues can save you a lot of time and money, so we've compiled a list of the 5 biggest things to be on the lookout for so that you know that you need to get it to the best Car repair workshop in your area.

Electronic Glitches

While they don't seem serious, if you start noticing your car isn't behaving quite the same with the little things like your radio or electric windows, pay close attention. Examples of this are your radio not turning on as quickly as usual, your electric windows opening and closing slower than they should or moving at an erratic speed, or your indicator lights suddenly not keeping pace. These small signs can be a warning that there are further issues with your car's electronics system as a whole, so getting it checked out early might well save you a lot of headaches down the line. 

Your Car Doesn't Accelerate The Same Anymore Or Guzzles Petrol

If you've had your car for long enough to drive it quite consistently and smoothly, but you're suddenly experiencing issues with it over-revving or not accelerating like it always does, there may be something wrong with your car's electronics or damage to the fuel line. In the same line, if you notice that your usual tank of petrol isn't lasting nearly as long as it normally does and you haven't been taking unusually long trips or made any real changes to your driving routine, there may be several causes that need to be looked at. Whatever the issue, it's best to get your car checked out as you'll soon probably be spending the cost of the repairs in feeding your thirsty petrol tank anyway.

Don't Ignore Warning Lights

It seems fairly obvious that you should pay attention when the warning lights on your car's dashboard suddenly light up, as they're specifically put there to help stop your car from suffering further damage and so that you know it needs to be taken in for inspection immediately. They are called warning lights, after all, not suggestion lights. Unfortunately, some people seem to overlook or just ignore the orange warning lights when they appear, and not much longer after that they're probably stuck on the side of the road with serious and sometimes irreparable damage to their car. Check engine lights, oil warning lights and all the other indicators should never be ignored as these are considered critical errors. If any of them go on while you're driving, get to an automotive specialist workshop immediately or pull over your car and call to arrange for it to be collected instead. 

Fog Or Smoke Suddenly Appearing

Unless you're driving through a veld fire or find yourself on a misty road, seeing smoke, fog or steam appearing around your car is a sure sign that you need to stop and find out what the problem is. Sometimes it's not a serious issue and your car is just burning up some excess oil, but most of the time the problem tends to be much more serious. You'll very likely to also smell an odd odour such as something burning, which should be a big sign to pull over immediately... or as soon as it's safe to do so, anyway. Overheating engines need to be stopped and left to cool down as soon as possible as overheating will very likely cause permanent damage to your car, possibly even leaving it a complete write-off from a mechanical perspective. 

Unusual Liquid Leaks, Foreign Sounds And Odd Sensations

The last warning is a triple threat which should not be ignored, even if any of them occur individually. Always check under and around your car when it's been stationary for a while and look out for oil leaks or any other liquids that look suspicious - you may have one of several issues with broken or cracked seals or other components that have broken down. While driving or even idling, turn your radio down and listen carefully for any odd sounds that don't sound right or have never been there before. Anything from rattling to buzzing, scraping or chugging noises are tell-tale signs that something isn't right. Finally, if your car ride feels a lot bumpier all of a sudden, you should get it looked at. It&rsquos quite common on our roads to encounter obstacles and potholes, which may have caused damage to your car's axel or thrown off your wheel alignment. 

As the old adage goes, prevention is better than cure, and while nobody enjoys forking out cash for an unexpected glitch with their car, doing it as soon as possible will save you from a lot of extra expenses if you leave it long enough for the damage to worsen. If you're looking for the best Car repair workshop to entrust your beloved car to, remember that Imperial has service and repair shops around the country and our experts are always happy to help get you back on the road as soon as possible.

Uploaded 1 week ago

Getting your teen their first car? Advice from the pros

Getting your teen their first car? Advice from the pros

So, your son or daughter is coming of age and is about to head out into the world, seeking their independence and growing into young adults. As any caring parent would, you'd want to take every measure to equip them with the best tools to take life on and one of those is getting them a reliable but not too overly fancy car to start their journey. But where do you start? What do you look for? In spite of your child most likely begging you for the latest and coolest car out there, along with the hefty price tag, you need to ensure that practicality and reliability come first in what you settle with. Here are a few questions you should ask your used car dealer while you scout for that perfect match for your teenager.

  1. How Fuel Efficient Is The Car?

Obviously, even though your child will be adamantly claiming absolute independence, you're likely to be the one contributing to or providing a petrol allowance during the first period of their car ownership. Make sure that you choose a vehicle that is cost-effective when it comes to petrol consumption by opting for a smaller model hatchback or a vehicle that uses a hybrid or optimised fuel consumption engine. Also bear in mind that the petrol costs should be reasonably affordable for when they take over responsibility for their petrol costs each month, and explain this, along with the reasoning behind being frugal and conservative in the choice of car they get, to them. While they will likely argue for a much more expensive model, having them understand that there are many financial implications to choosing an upper-end vehicle may help cushion the blow of disappointment that they won't be getting that flashy roadster they've been eyeing out.

  1. What Safety Features Does The Car Have?

This is a very important aspect to consider. While many smaller cars are much more affordable, they may not come with airbags, ABS or other safety features you'd want them to have. Remember, your teen is still young and more likely to drive distracted or make mistakes on the road, so keeping them as safe as possible should be a priority. 

Some vital features to look out for in a potential car include airbags - not only front airbags for the driver and passenger but ideally also side airbags to buffer against impact caused by so-called 't-bone' accidents where another vehicle hits a car on its side, as is common at four-way stops and crossover intersections. Secondly, ABS to prevent brakes from locking if an emergency or sudden stop or deceleration is needed, and to help maintain stable vehicle control while applying brakes. Additional features to look out for if you have the budget for a slightly higher-end vehicle include park assist, forward-collision warning sensors and park assist sensors.

  1. Maintenance Costs?

Aside from petrol expenses and insurance, you'll also need to look at what the car's services generally cost, as well as the availability of parts and what their prices average at. Of course, also do a bit of homework to find out what insurance premiums are like for the vehicle that you're looking at buying and remember that manufacture year, paint colour and mileage are all factors that influence premium rates. Ideally, if you're looking at a cost-effective solution that won't just be affordable to buy but also to maintain, look at cars with high resale value and models that are prevalent in this country, as these will always have a surplus of parts and well-trained mechanics available when the car needs to be repaired or serviced.

  1. Look For Added Extras

Many used cars come with extra features fitted to the vehicle, while the price of the car is still within a reasonable range. These added extras can include security features such as smash-and-grab window protection and upgrades to the interior features, all of which would cost you quite a bit to have installed brand new on a car that doesn't have these already installed. Keeping an eye out for these little extras can help you find a great car at a great price.

  1. No-Nos

Last of all, there are certain things you should avoid doing when buying your teen their first car. Firstly, don't buy anything too expensive that will require a lot of upkeep costs - you'd want to teach them to be financially smart and have a responsibility in owning the car, including contributing to the overall costs, so keep it to something within a reasonable budget. Secondly, don't get them a car that has too much power. Sports models with turbos are a definite no, as many much older and more seasoned drivers can't even properly control these cars, let alone someone who has only just recently passed their driving test. 

If you're looking for a reliable, quality-guaranteed selection of used cars for sale to choose from, remember to keep an eye on our Imperial Select website, or contact us if you have something specific in mind that you'd like to buy.