Car Deal Canada

How to Buy a Used Car in New Brunswick

New Brunswick

Buying a used car can be an exciting yet daunting experience. With so many options to choose from, it’s important to go into the process informed and prepared. This comprehensive guide covers everything you need to know when buying a used car in New Brunswick, from setting your budget all the way to keeping up with maintenance and accessories after purchase.

We’ll walk through step-by-step how to research makes and models within your price range, inspect vehicles thoroughly, transfer ownership properly, and ensure you end up with a reliable used car that fits your needs and budget. Whether this is your first time buying used or you’re a seasoned pro, follow along as we break down tips and tricks to make your used car shopping experience in New Brunswick a smooth and successful one.

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Decide Your Budget

Setting and sticking to a budget is one of the most important steps when buying a used car in New Brunswick. Determining how much you can afford to spend on a vehicle will help narrow your search and avoid overspending on a car that stretches your budget too thin.

Before even beginning to shop for a used car, get preapproved for auto financing from a bank, credit union, or other lender. Preapproval will give you a maximum loan amount you are qualified to receive based on your credit, income, and other factors. This allows you to focus your search on vehicles in your approved price range.

There are a few key factors that determine your used car budget:

 

  • Your monthly income – Consider your take home pay after taxes and expenses. Avoid a car payment over 15-20% of your monthly income.
  • Down payment amount – The more money you can put down, the lower your monthly car loan payments will be.
  • Interest rate – Check current auto loan rates and aim for the lowest rate possible.
  • Loan term – Longer loan terms (5-6 years) mean lower monthly payments but higher overall interest paid.
  • Insurance costs – Get insurance quotes before buying to factor this into your budget.
  • Running costs – Gas, maintenance and repairs should be considered.

 

Having a realistic used car budget in place from the start will set you up for success when shopping and make the process less stressful.

 

Research Makes & Models

Before you start looking for specific used car listings, it’s important to research different makes and models to find ones that suit your needs. When researching, consider factors like reliability, costs, features, safety ratings, and fuel efficiency.

 

Reliability

Reliability is key when buying a used car, since you don’t want to end up with a lemon. Consult reliability ratings and reviews from experts and owners to get a sense of which models have durable engines and components that will go the distance. Brands like Toyota, Honda and Subaru have a reputation for reliability.

 

Costs

Beyond just the sale price, look at ownership costs like insurance, fuel, maintenance and repairs. Some brands tend to be more expensive to insure. Check fuel economy ratings to estimate annual fuel costs. And research maintenance schedules and parts costs to get an idea of upkeep expenses.

 

Features

Consider what features are must-haves or nice-to-haves for you. Modern tech features like touchscreens, Bluetooth and backup cameras are popular. But also think about practical factors like cargo space, seating capacity and ground clearance. Make a list of your top priorities.

 

Safety Ratings

Safety is paramount, so check an agency like the Insurance Institute for Highway Safety for crash test ratings. Other ratings like those from NHTSA can indicate how well a vehicle protects occupants. Focus on models with high marks across the board.

 

Fuel Efficiency

With gas prices fluctuating, fuel efficiency makes a big difference in ownership costs. Compare EPA ratings for combined MPG, as well as city and highway efficiency. Opt for the most fuel-efficient model that meets your other needs.

 

Find Listings & Test Drive

Once you’ve settled on the makes and models you’re interested in, it’s time to start searching for specific vehicles for sale. There are a few places to look for used car listings in New Brunswick:

Online Listings

Websites like AutoTrader, Kijiji and Craigslist allow you to search locally for used vehicles for sale by owner or dealers. You can filter by factors like price, mileage, location and features. Online listings offer lots of choice and make it easy to identify vehicles matching your criteria.

Local Dealerships

Visiting local dealership websites and inventory pages allows you to see what used cars they currently have in stock. Dealerships will often thoroughly inspect and recondition used cars before selling. However, their pricing may be higher than private sellers.

Private Sellers

Buying from a private seller can sometimes yield deals, but comes with more risk. Be sure to still have any used car inspected by a mechanic prior to purchasing. Facebook Marketplace and bulletin boards are places to find private seller listings.

Once you’ve identified some promising used car options, it’s time to test drive them. Take your time inspecting the interior and exterior before hitting the road. Pay attention to any issues or strange noises. Bring the vehicle up to highway speeds and test acceleration and braking. A thorough test drive will help you determine if a used car is right for you.

 

Inspect Thoroughly

When you go to check out a used car you’re interested in, be sure to inspect it thoroughly before making any commitment to buy. There are some key things to look out for:

 

Look for Red Flags

As you inspect the car, keep an eye out for any red flags that could indicate larger problems. Check for things like rust, paint bubbles or overspray, mismatched panels, and uneven tire wear. Be suspicious of new parts that don’t match the rest of the vehicle – they may be hiding damage. Give all buttons, switches and features a test to make sure they work. Look for stains, damage or excessive wear inside the car as well.

 

Take It to a Mechanic

Always have a used car professionally inspected by an independent mechanic you trust. They will put the car up on a lift and inspect systems like the engine, transmission, suspension, brakes, exhaust etc. A mechanic can spot problems or issues you may miss through a basic inspection. This will give you peace of mind about the car’s condition before purchase.

 

Get a Carfax Report

Run a Carfax or equivalent vehicle history report to check for any accidents, damage or other problems with the car’s history. Make sure the mileage looks accurate and matches the condition of the car. Accidents and repairs can be warning signs of underlying issues. Review the number of previous owners as well.

 

Negotiate the Price

When negotiating the price of a used car in New Brunswick, it’s important to know the vehicle’s fair market value. Resources like Kelley Blue Book and Canadian Black Book can give you an idea of what the car is worth based on factors like make, model, year, mileage, options and overall condition.

Keep in mind that the seller has likely priced the vehicle above fair market value to leave room for negotiation. It’s expected that you’ll counter their asking price with a lower offer. Aim to negotiate the lowest price that the seller will reasonably accept.

Some negotiation strategies include:

 

  • Pointing out any flaws or issues with the vehicle to justify a lower offer.
  • Being ready to walk away if you can’t agree on a fair price.
  • Making a strong first offer at least 10-15% below asking price.
  • Raising your offer slowly in small increments if needed.
  • Seeking seller discounts like throwing in new tires or a tune-up.
  • Offering to pay in cash to avoid financing fees.

 

Remain calm, flexible and persistent in negotiating. But avoid high-pressure tactics that could sour the deal. A fair price should satisfy both parties.

 

Check the Paperwork

Before finalizing the used car purchase in New Brunswick, you’ll want to thoroughly check all the paperwork. This includes reviewing the title, service records, registration documents, and checking for any liens on the vehicle.

 

Title

The title shows legal ownership of the car. Review it closely to make sure there are no discrepancies and that it matches the seller’s name. Make sure it has been signed by the previous owner if the car is being sold by a private party. If the owner can’t produce a title, do not buy the vehicle.

 

Service Records

Service records detail the maintenance and repair history of the car. Ask to see receipts and invoices for oil changes, brake jobs, tune-ups, major repairs and any other work done on the vehicle. This will help you identify potential issues or see if any major components have been replaced recently.

 

Registration

Verify the registration is current and matches the seller’s name and address. There should not be any lapses or gaps in registration history. Expired registration could indicate the car was sitting idle for a period of time.

 

Liens

Request a lien search from the provincial government to check if the vehicle has any outstanding loans or is tied to a lien. If it does, the bank will need to release the lien prior to transferring ownership. Do not skip this step, as you don’t want to unknowingly take ownership of a car that still legally belongs to a lender.

 

Transfer Ownership

Once you and the seller have agreed on a price and completed the transaction, it’s time to officially transfer ownership of the used car in New Brunswick. Here are the steps you’ll need to take:

 

Sign the Title Transfer

In New Brunswick, the seller must sign the back of the Certificate of Registration to transfer ownership to you. The form requires your full name, address, and date of birth to be filled out by the seller.

Be sure to verify that the information entered is accurate before accepting the signed title. Keep this documentation safe as you’ll need it for the registration transfer.

 

Change the Registration

Within 30 days of purchase, you must complete the transfer of registration on the used car into your name. This is done by bringing the signed Certificate of Registration to any Motor Vehicle issuing office in New Brunswick.

You’ll need to provide identification and pay any applicable taxes and fees. Once complete, you’ll be issued a new registration under your name showing you as the legal owner.

It’s illegal to drive the used car without transferring the registration, so be sure to take care of this essential step in a timely manner.

 

Insurance & Registration

Once you’ve purchased the car, there are a few final steps to complete the transaction. The first thing you’ll need to do is get insured before driving the vehicle. In New Brunswick, you are required by law to have valid automobile insurance anytime you operate a motor vehicle. Work with your insurance provider to switch the policy over to the new used vehicle. Make sure you have at least basic coverage including liability and collision. Comprehensive coverage is also recommended to protect against theft, vandalism, fire, and animal collisions.

Next, you’ll need to officially register the used car in your name. This transfers legal ownership into your name. To register a used car in New Brunswick, you need to submit the proof of insurance, bill of sale, vehicle registration certificate, and applicable taxes and fees to Service New Brunswick. The fees to register a used car typically range from $140-$240. Once registered, you will receive the new registration card and license plates for the car. Remember to place the new plates on your car and keep the registration documents in the glove compartment. With insurance and registration taken care of, you can hit the open road in your new ride!

 

Have a Mechanic Inspect Thoroughly

Even if the used car looks great and seems to drive well, it’s essential to have a trusted mechanic do a thorough inspection before finalizing the purchase. A mechanic can spot issues that may not be obvious to the untrained eye.

Some key things a mechanic will inspect include:

 

  • Engine compression
  • Fluid levels and condition
  • Battery and electrical system
  • Exhaust system
  • Suspension and steering components
  • Brakes
  • Tires and wheels
  • Transmission and drivetrain

 

A thorough inspection can reveal leaks, worn parts, previous damage or inadequate repairs. Having a mechanic check over the major systems and components can help avoid expensive repairs down the road. It’s a good final verification before committing to the vehicle.

Some used car dealers will allow you to have the vehicle inspected by your own mechanic on or off the lot. If not, you may need to pay a small fee to have the dealer’s mechanic inspect it. This expense is well worth it for the peace of mind of knowing what mechanical condition the car is actually in.

 

Consider an Extended Warranty

An extended warranty can provide added protection and peace of mind by helping cover repairs after the manufacturer’s warranty expires. This can be especially valuable for a used car where the original warranty may have already lapsed.

Extended warranties help pay for expensive repairs related to the engine, transmission, electrical system, air conditioning, steering, etc. They can save you money in the long run by avoiding costly repair bills.

Research warranty options to find the best coverage for your needs and budget. Third party warranties from reputable providers can offer similar coverage to the manufacturer at a lower cost. Make sure to read the fine print to understand exactly what’s covered and any exclusions or limitations.

While an extended warranty adds to the overall cost, it may be worthwhile if you plan to own the vehicle for several years. Repair costs down the road will likely be more than the price of the extended coverage. This added protection gives you confidence in the reliability of your used vehicle.

 

Detail the Interior & Exterior

Once you’ve purchased your used car in New Brunswick, it’s a good idea to get it professionally detailed or do a thorough DIY cleaning yourself. This will make your new ride look its best and help you spot any issues that may need addressing.

 

Professional Detailing

Taking your used car to a professional auto detailer is the best way to thoroughly clean the interior and exterior. They have industrial-strength cleaners and tools that can lift dirt from every nook and cranny. Detailing services include:

 

  • Shampooing upholstery and mats
  • Vacuuming and scrubbing floor mats
  • Cleaning wheels, wheel wells, undercarriage
  • Polishing and waxing paint
  • Applying protectants to vinyl, rubber, plastic
  • Steam cleaning headliner and seats
  • Sanitizing HVAC system

 

This deep clean will make your used car look and smell brand new. Prices vary depending on the size of vehicle and services requested.

 

DIY Cleaning

You can also tackle detailing your used car yourself. Focus on cleaning every inch inside and out. Vacuum and shampoo carpets and seats. Scrub floor mats. Wipe down all surfaces with a multi-purpose cleaner. Don’t forget the cup holders! Polish paint and apply wax for protection. It will take some elbow grease but you’ll save money.

Be sure to use automotive-specific cleaners, not household products. Clean glass inside and out. Dress tires and shine wheel rims. Look for any leaks or stains that may indicate issues. Take time with this final step to ensure your used car in New Brunswick looks and feels clean.

 

Accessorize

One of the best parts about getting a used car is being able to customize and accessorize it to your liking. Here are some great accessories to consider for your new used ride in New Brunswick:

 

Floor Mats

High-quality, custom-fit floor mats are a must for any used car. They’ll protect your carpets from dirt, mud, snow and everyday wear and tear. WeatherTech and Husky Liners make excellent laser-measured floor liners that will keep your carpeting looking new. They have deep channels to trap moisture, debris and snow and keep it off your shoes and clothes. For a more budget-friendly option, universal or semi-custom fit mats from companies like MaxLiner and Motor Trend work well too.

 

Phone Holder

A phone holder or mount is crucial for safe driving and using navigation apps. There are many options like dashboard and windshield mounts or even CD slot holders. Choose one that positions your phone in your line of sight and is easy to take on and off. Popular brands are iOttie, Anker and Beam Electronics.

 

Tint Windows

Adding window tint makes your car more comfortable, private and stylish. Window tint blocks UV rays and glare, helps regulate interior temperatures and just makes your car look cool. New Brunswick permits tint darkness up to 50% in the front side windows and any level of tint in the rear and back. A 20-35% tint all around is ideal for visibility and heat reduction. Any professional tint shop can install high-quality film from brands like Llumar for you.

 

Stay On Top of Maintenance

Buying a used car is just the first step – maintaining it properly is key to getting the most value. Here are some tips for staying on top of maintenance:

 

Follow the maintenance schedule

Consult your owner’s manual and follow the recommended maintenance schedule. This will outline when to change the oil, inspect brakes, replace filters, check transmission fluid, inspect belts and hoses, rotate tires, and more. Don’t skip recommended services – they keep your car running smoothly.

 

Keep detailed records

Keep a dedicated log or file for your car where you track mileage, dates/costs of service visits, parts replacements, and repairs. This will help you stay organized and provide documentation down the road if needed.

 

Extend the life of your car

Proper maintenance helps avoid major repairs down the road. Changing fluids and filters regularly, replacing worn parts early, and addressing any issues right away can add years to your car’s life. This protects your investment in the long run.

 

Conclusion

Buying a used car in New Brunswick can be a great way to find affordable transportation, but it does require you to do your homework. By setting a realistic budget, thoroughly researching different makes and models, carefully inspecting any car you’re interested in, and taking other important steps, you can feel confident you’re making a wise purchase.

Some final tips: don’t let the excitement about a car cloud your judgment, don’t rush into any deal until you’ve verified the condition and history of the car, make sure to properly transfer ownership and register the vehicle, and consider investing in an extended warranty for additional peace of mind. With the right used car, you’ll enjoy many years of trouble-free driving.

We hope this guide has helped you feel prepared when buying a used car in New Brunswick. Take your time, trust your instincts, and you’ll end up with a great vehicle that fits your needs and budget perfectly.

Common Questions About Buying a Used Car in New Brunswick

When buying a used car in New Brunswick, there are a few key things to look out for:

 

– Get a Carfax report – This will show you the vehicle’s history including any accidents, owners, service records, open recalls, registration history and more.

 

– Inspect the vehicle thoroughly – Check for any signs of damage, rust, leaks, etc. Take it for a test drive and pay attention to any unusual noises or handling issues. Have a trusted mechanic do a pre-purchase inspection.

 

– Check ownership and registration – Make sure the seller has the vehicle’s registration with their name on it. Confirm there are no liens or flags on the title before purchasing.

 

– Know your consumer rights – New Brunswick has laws regarding warranty, returns, false advertising and more when buying from a dealer. Do your research so you know what protections apply.

 

– Get all paperwork – Ensure you get a bill of sale, ownership transfer papers, service records, etc. when you purchase the vehicle.

When buying or selling a used car in New Brunswick privately, there is some key paperwork you need to legally transfer ownership:

 

– **Ownership Certificate** – Also known as the vehicle registration, this must be signed over to the new owner during sale.

 

– **Bill of Sale** – Details the vehicle information, seller & buyer details, date of sale, purchase price, payment terms, and a statement that the vehicle is being sold “as-is”.

 

– **Safety Inspection Certificate** – Vehicles in New Brunswick require a valid safety inspection every 2 years. Make sure it will pass before buying.

 

You’ll also need valid auto insurance and registration transferred to the new owner’s name right away after purchase. Failing to update paperwork can result in fines.

When registering a used car in New Brunswick, there are a few typical fees to be prepared for:

 

– **Provincial Sales Tax** – 15% of the purchase price of the used vehicle

 

– **Registration Fee** – $172 for passenger vehicles, or higher for trucks/vans based on weight

 

– **Inspection Fee** – $47.50 for the mandatory safety inspection

 

– **Title Transfer Fee** – $29.25 to move ownership from seller to buyer

 

There may also be applicable late registration penalties or recycling fees depending on the situation. Your Autopac agent can outline all fees at time of registration. Make sure to budget accordingly!

No, unlike dealers the Used Vehicle Information Package (UVIP) is not required by private sellers when selling a used car in New Brunswick. However, having a UVIP completed with details on the car’s history can give buyers added confidence. Sellers should disclose any information they have on accidents, major repairs, liens and provide service records if possible. Buyers should still do their due diligence by getting a Carfax report.

New Brunswick’s Harmonized Sales Tax (HST) applies to all used car purchases in the province, unless it meets certain exemption criteria. The HST rate is 15% of the purchase price for private sales between individuals. For dealer sales, the vehicle must be sold for over $700 to be subject to HST. The tax is calculated based on the full purchase price minus any rebate or trade-in amount.

No, New Brunswick’s 15% Provincial Sales Tax (PST) does not apply to private sales of used cars between individuals. Rather, the HST (Harmonized Sales Tax) is charged in private sales. Only dealers have to charge PST on the sale of used vehicles in addition to the HST. As a buyer or seller in a private sale you do not charge or collect PST.

Yes, in New Brunswick all vehicles on the road require a valid safety standards certificate, also called an inspection certificate. When selling a used vehicle, the seller must provide the current certificate to show the car passed inspection in the prior 2 years. As a buyer, inspect the certificate expiry date and ensure there are no defects preventing certification. Without this safety certificate, the vehicle cannot be registered.

The average auto insurance premium for a used car in New Brunswick is approximately $1,100 annually, or about $91 per month. However, there are many factors that affect insurance costs including:

 

– Age, driving record and credit rating of the driver

 

– Where the vehicle is registered and primarily driven

 

– Year/make/model of vehicle

 

– Coverage types and deductible amounts

 

Your own insurance costs could be higher or lower. Get quotes from providers like Wawanesa, Intact Insurance, TD Insurance and others to find the best rate.

New Brunswick has a mandatory Used Vehicle Information Package (UVIP) and some return protections on dealer sold used cars, unlike private sales. You may return a used dealer vehicle within 2 business days or 500km if you find a defect not declared on the UVIP. You can also return within 30 days with a 50% refund if unable to certify emissions standards. There is no return period simply because you changed your mind though. Always inspect used vehicles closely first!

When buying a used car in New Brunswick from a private seller, the licence plates stay with the seller, they cannot be transferred. Even if you buy from a dealership, used vehicles must be registered and plated in the new owner’s name. Standard plates cost $172 annually while graphic plates range $172-$250. Personalized plates also start around $172 per year along with a one-time $56.50 set-up fee. Expect to purchase new plates as part of your used car transaction.

Yes, all used vehicles sold by dealers in New Brunswick must show a PPSA search as part of the Used Vehicle Information Package (UVIP). This shows any outstanding loans, liens, theft reports or other issues. Private sellers are not required to show PPSA info but buyers should still search the used car’s VIN themselves for $20 to confirm it is clear of registered security interests before purchase.

Used car prices vary across New Brunswick, here are average listings for some major cities:

 

– Moncton – $18,000

– Saint John – $16,500

– Fredericton – $19,000

– Bathurst – $12,000

– Miramichi – $10,000

 

Of course, averages change based on vehicle age, model, mileage and condition. But in general, you may pay a bit more on average for a used car in cities like Moncton and Fredericton compared to rural areas.

There are pros and cons to both dealers and private sellers when buying New Brunswick used cars:

 

**Dealers**

 

– More consumer protections and ability to return in some cases

– Often provide vehicle history reports

– May offer certified pre-owned model with warranty

 

**Private Sellers**

 

– Usually cheaper pricing than dealers

– Can negotiate more on price

– No need to pay dealer doc or admin fees

 

Do your research to decide what best suits your budget and risk tolerance. Get any used car independently inspected first.

Some of the best places to find good deals on repossessed and seized used cars in New Brunswick include:

 

– www.govdeals.ca – Government site with vehicles from repo agents and police seizures

 

– www.adesa.ca – Auto auction site with inventory from banks, credit unions and dealerships

 

– Dealership clearance lots – Many have dedicated sections for bank repossessed vehicles

 

– Classified sites like Kijiji and autotrader.ca – Some private sellers list repossessed vehicles

 

Inspect thoroughly and confirm ownership status on any repo vehicle before purchase. Deals can be found if you know where to look!

When registering an out-of-province used car in New Brunswick, you typically need:

 

– Out-of-province registration signed over to you

 

– Used vehicle information package

 

– Bills of sale or ownership transfer forms

 

– Safety standards certificate from a NB inspection

 

– Proof of valid insurance

 

– Mileage and VIN verifications

 

– Any lien releases from previous province

 

Ensure everything is in order before heading to Service NB. Fines can apply for late registration.

The best approach for searching multiple sites for used car deals in New Brunswick is to use a search aggregator tool like AutoTempest. This tool allows you to search local listings from sites like Kijiji, Craigslist, Facebook Marketplace and more, all in one place. You can customize by location, max price, vehicle specs and other filters to easily hone in on the best deals. Checking both individual classifieds sites and an aggregator is an efficient way to maximize your chances of finding the perfect used car.

Some key questions to ask private sellers of New Brunswick used cars:

 

– Why are you selling the vehicle?

 

– How long have you owned it?

 

– Has it been in any accidents?

 

– What is the general maintenance history?

 

– Are there any mechanical issues or repairs needed that I should know about?

 

– Can I take the vehicle for an independent inspection?

 

– Do you have any service records you can share?

 

Asking strategic questions will help you determine the vehicle condition, history and ownership situation to uncover red flags. Dig deeper on any vague or concerning responses before buying.

When test driving used cars in New Brunswick, watch for:

 

🔎 Strange noises from engine or other mechanical parts

 

🔎 Issues smoothly changing gears or any transmission slipping

 

🔎 Any electronics, lights or features not working properly

 

🔎 Brake vibration, pulling left/right, or uneven tire wear

 

🔎 Fluids leaking underneath the vehicle

 

🔎 Steering wheel vibration or poor alignment

 

🔎 Smoke from tailpipe or issues accelerating

 

Pay attention to all vehicle behaviors so you can identify problems early and negotiate price accordingly or walk away. Don’t ignore red flags just because you really want that vehicle!

 

Decide Your Budget

Setting and sticking to a budget is one of the most important steps when buying a used car in New Brunswick. Determining how much you can afford to spend on a vehicle will help narrow your search and avoid overspending on a car that stretches your budget too thin.

Before even beginning to shop for a used car, get preapproved for auto financing from a bank, credit union, or other lender. Preapproval will give you a maximum loan amount you are qualified to receive based on your credit, income, and other factors. This allows you to focus your search on vehicles in your approved price range.

There are a few key factors that determine your used car budget:

 

  • Your monthly income – Consider your take home pay after taxes and expenses. Avoid a car payment over 15-20% of your monthly income.
  • Down payment amount – The more money you can put down, the lower your monthly car loan payments will be.
  • Interest rate – Check current auto loan rates and aim for the lowest rate possible.
  • Loan term – Longer loan terms (5-6 years) mean lower monthly payments but higher overall interest paid.
  • Insurance costs – Get insurance quotes before buying to factor this into your budget.
  • Running costs – Gas, maintenance and repairs should be considered.

 

Having a realistic used car budget in place from the start will set you up for success when shopping and make the process less stressful.

 

Research Makes & Models

Before you start looking for specific used car listings, it’s important to research different makes and models to find ones that suit your needs. When researching, consider factors like reliability, costs, features, safety ratings, and fuel efficiency.

 

Reliability

Reliability is key when buying a used car, since you don’t want to end up with a lemon. Consult reliability ratings and reviews from experts and owners to get a sense of which models have durable engines and components that will go the distance. Brands like Toyota, Honda and Subaru have a reputation for reliability.

 

Costs

Beyond just the sale price, look at ownership costs like insurance, fuel, maintenance and repairs. Some brands tend to be more expensive to insure. Check fuel economy ratings to estimate annual fuel costs. And research maintenance schedules and parts costs to get an idea of upkeep expenses.

 

Features

Consider what features are must-haves or nice-to-haves for you. Modern tech features like touchscreens, Bluetooth and backup cameras are popular. But also think about practical factors like cargo space, seating capacity and ground clearance. Make a list of your top priorities.

 

Safety Ratings

Safety is paramount, so check an agency like the Insurance Institute for Highway Safety for crash test ratings. Other ratings like those from NHTSA can indicate how well a vehicle protects occupants. Focus on models with high marks across the board.

 

Fuel Efficiency

With gas prices fluctuating, fuel efficiency makes a big difference in ownership costs. Compare EPA ratings for combined MPG, as well as city and highway efficiency. Opt for the most fuel-efficient model that meets your other needs.

 

Find Listings & Test Drive

Once you’ve settled on the makes and models you’re interested in, it’s time to start searching for specific vehicles for sale. There are a few places to look for used car listings in New Brunswick:

Online Listings

Websites like AutoTrader, Kijiji and Craigslist allow you to search locally for used vehicles for sale by owner or dealers. You can filter by factors like price, mileage, location and features. Online listings offer lots of choice and make it easy to identify vehicles matching your criteria.

Local Dealerships

Visiting local dealership websites and inventory pages allows you to see what used cars they currently have in stock. Dealerships will often thoroughly inspect and recondition used cars before selling. However, their pricing may be higher than private sellers.

Private Sellers

Buying from a private seller can sometimes yield deals, but comes with more risk. Be sure to still have any used car inspected by a mechanic prior to purchasing. Facebook Marketplace and bulletin boards are places to find private seller listings.

Once you’ve identified some promising used car options, it’s time to test drive them. Take your time inspecting the interior and exterior before hitting the road. Pay attention to any issues or strange noises. Bring the vehicle up to highway speeds and test acceleration and braking. A thorough test drive will help you determine if a used car is right for you.

 

Inspect Thoroughly

When you go to check out a used car you’re interested in, be sure to inspect it thoroughly before making any commitment to buy. There are some key things to look out for:

 

Look for Red Flags

As you inspect the car, keep an eye out for any red flags that could indicate larger problems. Check for things like rust, paint bubbles or overspray, mismatched panels, and uneven tire wear. Be suspicious of new parts that don’t match the rest of the vehicle – they may be hiding damage. Give all buttons, switches and features a test to make sure they work. Look for stains, damage or excessive wear inside the car as well.

 

Take It to a Mechanic

Always have a used car professionally inspected by an independent mechanic you trust. They will put the car up on a lift and inspect systems like the engine, transmission, suspension, brakes, exhaust etc. A mechanic can spot problems or issues you may miss through a basic inspection. This will give you peace of mind about the car’s condition before purchase.

 

Get a Carfax Report

Run a Carfax or equivalent vehicle history report to check for any accidents, damage or other problems with the car’s history. Make sure the mileage looks accurate and matches the condition of the car. Accidents and repairs can be warning signs of underlying issues. Review the number of previous owners as well.

 

Negotiate the Price

When negotiating the price of a used car in New Brunswick, it’s important to know the vehicle’s fair market value. Resources like Kelley Blue Book and Canadian Black Book can give you an idea of what the car is worth based on factors like make, model, year, mileage, options and overall condition.

Keep in mind that the seller has likely priced the vehicle above fair market value to leave room for negotiation. It’s expected that you’ll counter their asking price with a lower offer. Aim to negotiate the lowest price that the seller will reasonably accept.

Some negotiation strategies include:

 

  • Pointing out any flaws or issues with the vehicle to justify a lower offer.
  • Being ready to walk away if you can’t agree on a fair price.
  • Making a strong first offer at least 10-15% below asking price.
  • Raising your offer slowly in small increments if needed.
  • Seeking seller discounts like throwing in new tires or a tune-up.
  • Offering to pay in cash to avoid financing fees.

 

Remain calm, flexible and persistent in negotiating. But avoid high-pressure tactics that could sour the deal. A fair price should satisfy both parties.

 

Check the Paperwork

Before finalizing the used car purchase in New Brunswick, you’ll want to thoroughly check all the paperwork. This includes reviewing the title, service records, registration documents, and checking for any liens on the vehicle.

 

Title

The title shows legal ownership of the car. Review it closely to make sure there are no discrepancies and that it matches the seller’s name. Make sure it has been signed by the previous owner if the car is being sold by a private party. If the owner can’t produce a title, do not buy the vehicle.

 

Service Records

Service records detail the maintenance and repair history of the car. Ask to see receipts and invoices for oil changes, brake jobs, tune-ups, major repairs and any other work done on the vehicle. This will help you identify potential issues or see if any major components have been replaced recently.

 

Registration

Verify the registration is current and matches the seller’s name and address. There should not be any lapses or gaps in registration history. Expired registration could indicate the car was sitting idle for a period of time.

 

Liens

Request a lien search from the provincial government to check if the vehicle has any outstanding loans or is tied to a lien. If it does, the bank will need to release the lien prior to transferring ownership. Do not skip this step, as you don’t want to unknowingly take ownership of a car that still legally belongs to a lender.

 

Transfer Ownership

Once you and the seller have agreed on a price and completed the transaction, it’s time to officially transfer ownership of the used car in New Brunswick. Here are the steps you’ll need to take:

 

Sign the Title Transfer

In New Brunswick, the seller must sign the back of the Certificate of Registration to transfer ownership to you. The form requires your full name, address, and date of birth to be filled out by the seller.

Be sure to verify that the information entered is accurate before accepting the signed title. Keep this documentation safe as you’ll need it for the registration transfer.

 

Change the Registration

Within 30 days of purchase, you must complete the transfer of registration on the used car into your name. This is done by bringing the signed Certificate of Registration to any Motor Vehicle issuing office in New Brunswick.

You’ll need to provide identification and pay any applicable taxes and fees. Once complete, you’ll be issued a new registration under your name showing you as the legal owner.

It’s illegal to drive the used car without transferring the registration, so be sure to take care of this essential step in a timely manner.

 

Insurance & Registration

Once you’ve purchased the car, there are a few final steps to complete the transaction. The first thing you’ll need to do is get insured before driving the vehicle. In New Brunswick, you are required by law to have valid automobile insurance anytime you operate a motor vehicle. Work with your insurance provider to switch the policy over to the new used vehicle. Make sure you have at least basic coverage including liability and collision. Comprehensive coverage is also recommended to protect against theft, vandalism, fire, and animal collisions.

Next, you’ll need to officially register the used car in your name. This transfers legal ownership into your name. To register a used car in New Brunswick, you need to submit the proof of insurance, bill of sale, vehicle registration certificate, and applicable taxes and fees to Service New Brunswick. The fees to register a used car typically range from $140-$240. Once registered, you will receive the new registration card and license plates for the car. Remember to place the new plates on your car and keep the registration documents in the glove compartment. With insurance and registration taken care of, you can hit the open road in your new ride!

 

Have a Mechanic Inspect Thoroughly

Even if the used car looks great and seems to drive well, it’s essential to have a trusted mechanic do a thorough inspection before finalizing the purchase. A mechanic can spot issues that may not be obvious to the untrained eye.

Some key things a mechanic will inspect include:

 

  • Engine compression
  • Fluid levels and condition
  • Battery and electrical system
  • Exhaust system
  • Suspension and steering components
  • Brakes
  • Tires and wheels
  • Transmission and drivetrain

 

A thorough inspection can reveal leaks, worn parts, previous damage or inadequate repairs. Having a mechanic check over the major systems and components can help avoid expensive repairs down the road. It’s a good final verification before committing to the vehicle.

Some used car dealers will allow you to have the vehicle inspected by your own mechanic on or off the lot. If not, you may need to pay a small fee to have the dealer’s mechanic inspect it. This expense is well worth it for the peace of mind of knowing what mechanical condition the car is actually in.

 

Consider an Extended Warranty

An extended warranty can provide added protection and peace of mind by helping cover repairs after the manufacturer’s warranty expires. This can be especially valuable for a used car where the original warranty may have already lapsed.

Extended warranties help pay for expensive repairs related to the engine, transmission, electrical system, air conditioning, steering, etc. They can save you money in the long run by avoiding costly repair bills.

Research warranty options to find the best coverage for your needs and budget. Third party warranties from reputable providers can offer similar coverage to the manufacturer at a lower cost. Make sure to read the fine print to understand exactly what’s covered and any exclusions or limitations.

While an extended warranty adds to the overall cost, it may be worthwhile if you plan to own the vehicle for several years. Repair costs down the road will likely be more than the price of the extended coverage. This added protection gives you confidence in the reliability of your used vehicle.

 

Detail the Interior & Exterior

Once you’ve purchased your used car in New Brunswick, it’s a good idea to get it professionally detailed or do a thorough DIY cleaning yourself. This will make your new ride look its best and help you spot any issues that may need addressing.

 

Professional Detailing

Taking your used car to a professional auto detailer is the best way to thoroughly clean the interior and exterior. They have industrial-strength cleaners and tools that can lift dirt from every nook and cranny. Detailing services include:

 

  • Shampooing upholstery and mats
  • Vacuuming and scrubbing floor mats
  • Cleaning wheels, wheel wells, undercarriage
  • Polishing and waxing paint
  • Applying protectants to vinyl, rubber, plastic
  • Steam cleaning headliner and seats
  • Sanitizing HVAC system

 

This deep clean will make your used car look and smell brand new. Prices vary depending on the size of vehicle and services requested.

 

DIY Cleaning

You can also tackle detailing your used car yourself. Focus on cleaning every inch inside and out. Vacuum and shampoo carpets and seats. Scrub floor mats. Wipe down all surfaces with a multi-purpose cleaner. Don’t forget the cup holders! Polish paint and apply wax for protection. It will take some elbow grease but you’ll save money.

Be sure to use automotive-specific cleaners, not household products. Clean glass inside and out. Dress tires and shine wheel rims. Look for any leaks or stains that may indicate issues. Take time with this final step to ensure your used car in New Brunswick looks and feels clean.

 

Accessorize

One of the best parts about getting a used car is being able to customize and accessorize it to your liking. Here are some great accessories to consider for your new used ride in New Brunswick:

 

Floor Mats

High-quality, custom-fit floor mats are a must for any used car. They’ll protect your carpets from dirt, mud, snow and everyday wear and tear. WeatherTech and Husky Liners make excellent laser-measured floor liners that will keep your carpeting looking new. They have deep channels to trap moisture, debris and snow and keep it off your shoes and clothes. For a more budget-friendly option, universal or semi-custom fit mats from companies like MaxLiner and Motor Trend work well too.

 

Phone Holder

A phone holder or mount is crucial for safe driving and using navigation apps. There are many options like dashboard and windshield mounts or even CD slot holders. Choose one that positions your phone in your line of sight and is easy to take on and off. Popular brands are iOttie, Anker and Beam Electronics.

 

Tint Windows

Adding window tint makes your car more comfortable, private and stylish. Window tint blocks UV rays and glare, helps regulate interior temperatures and just makes your car look cool. New Brunswick permits tint darkness up to 50% in the front side windows and any level of tint in the rear and back. A 20-35% tint all around is ideal for visibility and heat reduction. Any professional tint shop can install high-quality film from brands like Llumar for you.

 

Stay On Top of Maintenance

Buying a used car is just the first step – maintaining it properly is key to getting the most value. Here are some tips for staying on top of maintenance:

 

Follow the maintenance schedule

Consult your owner’s manual and follow the recommended maintenance schedule. This will outline when to change the oil, inspect brakes, replace filters, check transmission fluid, inspect belts and hoses, rotate tires, and more. Don’t skip recommended services – they keep your car running smoothly.

 

Keep detailed records

Keep a dedicated log or file for your car where you track mileage, dates/costs of service visits, parts replacements, and repairs. This will help you stay organized and provide documentation down the road if needed.

 

Extend the life of your car

Proper maintenance helps avoid major repairs down the road. Changing fluids and filters regularly, replacing worn parts early, and addressing any issues right away can add years to your car’s life. This protects your investment in the long run.

 

Conclusion

Buying a used car in New Brunswick can be a great way to find affordable transportation, but it does require you to do your homework. By setting a realistic budget, thoroughly researching different makes and models, carefully inspecting any car you’re interested in, and taking other important steps, you can feel confident you’re making a wise purchase.

Some final tips: don’t let the excitement about a car cloud your judgment, don’t rush into any deal until you’ve verified the condition and history of the car, make sure to properly transfer ownership and register the vehicle, and consider investing in an extended warranty for additional peace of mind. With the right used car, you’ll enjoy many years of trouble-free driving.

We hope this guide has helped you feel prepared when buying a used car in New Brunswick. Take your time, trust your instincts, and you’ll end up with a great vehicle that fits your needs and budget perfectly.

Common Questions About Buying a Used Car in New Brunswick

When buying a used car in New Brunswick, there are a few key things to look out for:

 

– Get a Carfax report – This will show you the vehicle’s history including any accidents, owners, service records, open recalls, registration history and more.

 

– Inspect the vehicle thoroughly – Check for any signs of damage, rust, leaks, etc. Take it for a test drive and pay attention to any unusual noises or handling issues. Have a trusted mechanic do a pre-purchase inspection.

 

– Check ownership and registration – Make sure the seller has the vehicle’s registration with their name on it. Confirm there are no liens or flags on the title before purchasing.

 

– Know your consumer rights – New Brunswick has laws regarding warranty, returns, false advertising and more when buying from a dealer. Do your research so you know what protections apply.

 

– Get all paperwork – Ensure you get a bill of sale, ownership transfer papers, service records, etc. when you purchase the vehicle.

When buying or selling a used car in New Brunswick privately, there is some key paperwork you need to legally transfer ownership:

 

– **Ownership Certificate** – Also known as the vehicle registration, this must be signed over to the new owner during sale.

 

– **Bill of Sale** – Details the vehicle information, seller & buyer details, date of sale, purchase price, payment terms, and a statement that the vehicle is being sold “as-is”.

 

– **Safety Inspection Certificate** – Vehicles in New Brunswick require a valid safety inspection every 2 years. Make sure it will pass before buying.

 

You’ll also need valid auto insurance and registration transferred to the new owner’s name right away after purchase. Failing to update paperwork can result in fines.

When registering a used car in New Brunswick, there are a few typical fees to be prepared for:

 

– **Provincial Sales Tax** – 15% of the purchase price of the used vehicle

 

– **Registration Fee** – $172 for passenger vehicles, or higher for trucks/vans based on weight

 

– **Inspection Fee** – $47.50 for the mandatory safety inspection

 

– **Title Transfer Fee** – $29.25 to move ownership from seller to buyer

 

There may also be applicable late registration penalties or recycling fees depending on the situation. Your Autopac agent can outline all fees at time of registration. Make sure to budget accordingly!

No, unlike dealers the Used Vehicle Information Package (UVIP) is not required by private sellers when selling a used car in New Brunswick. However, having a UVIP completed with details on the car’s history can give buyers added confidence. Sellers should disclose any information they have on accidents, major repairs, liens and provide service records if possible. Buyers should still do their due diligence by getting a Carfax report.

New Brunswick’s Harmonized Sales Tax (HST) applies to all used car purchases in the province, unless it meets certain exemption criteria. The HST rate is 15% of the purchase price for private sales between individuals. For dealer sales, the vehicle must be sold for over $700 to be subject to HST. The tax is calculated based on the full purchase price minus any rebate or trade-in amount.

No, New Brunswick’s 15% Provincial Sales Tax (PST) does not apply to private sales of used cars between individuals. Rather, the HST (Harmonized Sales Tax) is charged in private sales. Only dealers have to charge PST on the sale of used vehicles in addition to the HST. As a buyer or seller in a private sale you do not charge or collect PST.

Yes, in New Brunswick all vehicles on the road require a valid safety standards certificate, also called an inspection certificate. When selling a used vehicle, the seller must provide the current certificate to show the car passed inspection in the prior 2 years. As a buyer, inspect the certificate expiry date and ensure there are no defects preventing certification. Without this safety certificate, the vehicle cannot be registered.

The average auto insurance premium for a used car in New Brunswick is approximately $1,100 annually, or about $91 per month. However, there are many factors that affect insurance costs including:

 

– Age, driving record and credit rating of the driver

 

– Where the vehicle is registered and primarily driven

 

– Year/make/model of vehicle

 

– Coverage types and deductible amounts

 

Your own insurance costs could be higher or lower. Get quotes from providers like Wawanesa, Intact Insurance, TD Insurance and others to find the best rate.

New Brunswick has a mandatory Used Vehicle Information Package (UVIP) and some return protections on dealer sold used cars, unlike private sales. You may return a used dealer vehicle within 2 business days or 500km if you find a defect not declared on the UVIP. You can also return within 30 days with a 50% refund if unable to certify emissions standards. There is no return period simply because you changed your mind though. Always inspect used vehicles closely first!

When buying a used car in New Brunswick from a private seller, the licence plates stay with the seller, they cannot be transferred. Even if you buy from a dealership, used vehicles must be registered and plated in the new owner’s name. Standard plates cost $172 annually while graphic plates range $172-$250. Personalized plates also start around $172 per year along with a one-time $56.50 set-up fee. Expect to purchase new plates as part of your used car transaction.

Yes, all used vehicles sold by dealers in New Brunswick must show a PPSA search as part of the Used Vehicle Information Package (UVIP). This shows any outstanding loans, liens, theft reports or other issues. Private sellers are not required to show PPSA info but buyers should still search the used car’s VIN themselves for $20 to confirm it is clear of registered security interests before purchase.

Used car prices vary across New Brunswick, here are average listings for some major cities:

 

– Moncton – $18,000

– Saint John – $16,500

– Fredericton – $19,000

– Bathurst – $12,000

– Miramichi – $10,000

 

Of course, averages change based on vehicle age, model, mileage and condition. But in general, you may pay a bit more on average for a used car in cities like Moncton and Fredericton compared to rural areas.

There are pros and cons to both dealers and private sellers when buying New Brunswick used cars:

 

**Dealers**

 

– More consumer protections and ability to return in some cases

– Often provide vehicle history reports

– May offer certified pre-owned model with warranty

 

**Private Sellers**

 

– Usually cheaper pricing than dealers

– Can negotiate more on price

– No need to pay dealer doc or admin fees

 

Do your research to decide what best suits your budget and risk tolerance. Get any used car independently inspected first.

Some of the best places to find good deals on repossessed and seized used cars in New Brunswick include:

 

– www.govdeals.ca – Government site with vehicles from repo agents and police seizures

 

– www.adesa.ca – Auto auction site with inventory from banks, credit unions and dealerships

 

– Dealership clearance lots – Many have dedicated sections for bank repossessed vehicles

 

– Classified sites like Kijiji and autotrader.ca – Some private sellers list repossessed vehicles

 

Inspect thoroughly and confirm ownership status on any repo vehicle before purchase. Deals can be found if you know where to look!

When registering an out-of-province used car in New Brunswick, you typically need:

 

– Out-of-province registration signed over to you

 

– Used vehicle information package

 

– Bills of sale or ownership transfer forms

 

– Safety standards certificate from a NB inspection

 

– Proof of valid insurance

 

– Mileage and VIN verifications

 

– Any lien releases from previous province

 

Ensure everything is in order before heading to Service NB. Fines can apply for late registration.

The best approach for searching multiple sites for used car deals in New Brunswick is to use a search aggregator tool like AutoTempest. This tool allows you to search local listings from sites like Kijiji, Craigslist, Facebook Marketplace and more, all in one place. You can customize by location, max price, vehicle specs and other filters to easily hone in on the best deals. Checking both individual classifieds sites and an aggregator is an efficient way to maximize your chances of finding the perfect used car.

Some key questions to ask private sellers of New Brunswick used cars:

 

– Why are you selling the vehicle?

 

– How long have you owned it?

 

– Has it been in any accidents?

 

– What is the general maintenance history?

 

– Are there any mechanical issues or repairs needed that I should know about?

 

– Can I take the vehicle for an independent inspection?

 

– Do you have any service records you can share?

 

Asking strategic questions will help you determine the vehicle condition, history and ownership situation to uncover red flags. Dig deeper on any vague or concerning responses before buying.

When test driving used cars in New Brunswick, watch for:

 

🔎 Strange noises from engine or other mechanical parts

 

🔎 Issues smoothly changing gears or any transmission slipping

 

🔎 Any electronics, lights or features not working properly

 

🔎 Brake vibration, pulling left/right, or uneven tire wear

 

🔎 Fluids leaking underneath the vehicle

 

🔎 Steering wheel vibration or poor alignment

 

🔎 Smoke from tailpipe or issues accelerating

 

Pay attention to all vehicle behaviors so you can identify problems early and negotiate price accordingly or walk away. Don’t ignore red flags just because you really want that vehicle!

 

Decide Your Budget

Setting and sticking to a budget is one of the most important steps when buying a used car in New Brunswick. Determining how much you can afford to spend on a vehicle will help narrow your search and avoid overspending on a car that stretches your budget too thin.

Before even beginning to shop for a used car, get preapproved for auto financing from a bank, credit union, or other lender. Preapproval will give you a maximum loan amount you are qualified to receive based on your credit, income, and other factors. This allows you to focus your search on vehicles in your approved price range.

There are a few key factors that determine your used car budget:

 

  • Your monthly income – Consider your take home pay after taxes and expenses. Avoid a car payment over 15-20% of your monthly income.
  • Down payment amount – The more money you can put down, the lower your monthly car loan payments will be.
  • Interest rate – Check current auto loan rates and aim for the lowest rate possible.
  • Loan term – Longer loan terms (5-6 years) mean lower monthly payments but higher overall interest paid.
  • Insurance costs – Get insurance quotes before buying to factor this into your budget.
  • Running costs – Gas, maintenance and repairs should be considered.

 

Having a realistic used car budget in place from the start will set you up for success when shopping and make the process less stressful.

 

Research Makes & Models

Before you start looking for specific used car listings, it’s important to research different makes and models to find ones that suit your needs. When researching, consider factors like reliability, costs, features, safety ratings, and fuel efficiency.

 

Reliability

Reliability is key when buying a used car, since you don’t want to end up with a lemon. Consult reliability ratings and reviews from experts and owners to get a sense of which models have durable engines and components that will go the distance. Brands like Toyota, Honda and Subaru have a reputation for reliability.

 

Costs

Beyond just the sale price, look at ownership costs like insurance, fuel, maintenance and repairs. Some brands tend to be more expensive to insure. Check fuel economy ratings to estimate annual fuel costs. And research maintenance schedules and parts costs to get an idea of upkeep expenses.

 

Features

Consider what features are must-haves or nice-to-haves for you. Modern tech features like touchscreens, Bluetooth and backup cameras are popular. But also think about practical factors like cargo space, seating capacity and ground clearance. Make a list of your top priorities.

 

Safety Ratings

Safety is paramount, so check an agency like the Insurance Institute for Highway Safety for crash test ratings. Other ratings like those from NHTSA can indicate how well a vehicle protects occupants. Focus on models with high marks across the board.

 

Fuel Efficiency

With gas prices fluctuating, fuel efficiency makes a big difference in ownership costs. Compare EPA ratings for combined MPG, as well as city and highway efficiency. Opt for the most fuel-efficient model that meets your other needs.

 

Find Listings & Test Drive

Once you’ve settled on the makes and models you’re interested in, it’s time to start searching for specific vehicles for sale. There are a few places to look for used car listings in New Brunswick:

Online Listings

Websites like AutoTrader, Kijiji and Craigslist allow you to search locally for used vehicles for sale by owner or dealers. You can filter by factors like price, mileage, location and features. Online listings offer lots of choice and make it easy to identify vehicles matching your criteria.

Local Dealerships

Visiting local dealership websites and inventory pages allows you to see what used cars they currently have in stock. Dealerships will often thoroughly inspect and recondition used cars before selling. However, their pricing may be higher than private sellers.

Private Sellers

Buying from a private seller can sometimes yield deals, but comes with more risk. Be sure to still have any used car inspected by a mechanic prior to purchasing. Facebook Marketplace and bulletin boards are places to find private seller listings.

Once you’ve identified some promising used car options, it’s time to test drive them. Take your time inspecting the interior and exterior before hitting the road. Pay attention to any issues or strange noises. Bring the vehicle up to highway speeds and test acceleration and braking. A thorough test drive will help you determine if a used car is right for you.

 

Inspect Thoroughly

When you go to check out a used car you’re interested in, be sure to inspect it thoroughly before making any commitment to buy. There are some key things to look out for:

 

Look for Red Flags

As you inspect the car, keep an eye out for any red flags that could indicate larger problems. Check for things like rust, paint bubbles or overspray, mismatched panels, and uneven tire wear. Be suspicious of new parts that don’t match the rest of the vehicle – they may be hiding damage. Give all buttons, switches and features a test to make sure they work. Look for stains, damage or excessive wear inside the car as well.

 

Take It to a Mechanic

Always have a used car professionally inspected by an independent mechanic you trust. They will put the car up on a lift and inspect systems like the engine, transmission, suspension, brakes, exhaust etc. A mechanic can spot problems or issues you may miss through a basic inspection. This will give you peace of mind about the car’s condition before purchase.

 

Get a Carfax Report

Run a Carfax or equivalent vehicle history report to check for any accidents, damage or other problems with the car’s history. Make sure the mileage looks accurate and matches the condition of the car. Accidents and repairs can be warning signs of underlying issues. Review the number of previous owners as well.

 

Negotiate the Price

When negotiating the price of a used car in New Brunswick, it’s important to know the vehicle’s fair market value. Resources like Kelley Blue Book and Canadian Black Book can give you an idea of what the car is worth based on factors like make, model, year, mileage, options and overall condition.

Keep in mind that the seller has likely priced the vehicle above fair market value to leave room for negotiation. It’s expected that you’ll counter their asking price with a lower offer. Aim to negotiate the lowest price that the seller will reasonably accept.

Some negotiation strategies include:

 

  • Pointing out any flaws or issues with the vehicle to justify a lower offer.
  • Being ready to walk away if you can’t agree on a fair price.
  • Making a strong first offer at least 10-15% below asking price.
  • Raising your offer slowly in small increments if needed.
  • Seeking seller discounts like throwing in new tires or a tune-up.
  • Offering to pay in cash to avoid financing fees.

 

Remain calm, flexible and persistent in negotiating. But avoid high-pressure tactics that could sour the deal. A fair price should satisfy both parties.

 

Check the Paperwork

Before finalizing the used car purchase in New Brunswick, you’ll want to thoroughly check all the paperwork. This includes reviewing the title, service records, registration documents, and checking for any liens on the vehicle.

 

Title

The title shows legal ownership of the car. Review it closely to make sure there are no discrepancies and that it matches the seller’s name. Make sure it has been signed by the previous owner if the car is being sold by a private party. If the owner can’t produce a title, do not buy the vehicle.

 

Service Records

Service records detail the maintenance and repair history of the car. Ask to see receipts and invoices for oil changes, brake jobs, tune-ups, major repairs and any other work done on the vehicle. This will help you identify potential issues or see if any major components have been replaced recently.

 

Registration

Verify the registration is current and matches the seller’s name and address. There should not be any lapses or gaps in registration history. Expired registration could indicate the car was sitting idle for a period of time.

 

Liens

Request a lien search from the provincial government to check if the vehicle has any outstanding loans or is tied to a lien. If it does, the bank will need to release the lien prior to transferring ownership. Do not skip this step, as you don’t want to unknowingly take ownership of a car that still legally belongs to a lender.

 

Transfer Ownership

Once you and the seller have agreed on a price and completed the transaction, it’s time to officially transfer ownership of the used car in New Brunswick. Here are the steps you’ll need to take:

 

Sign the Title Transfer

In New Brunswick, the seller must sign the back of the Certificate of Registration to transfer ownership to you. The form requires your full name, address, and date of birth to be filled out by the seller.

Be sure to verify that the information entered is accurate before accepting the signed title. Keep this documentation safe as you’ll need it for the registration transfer.

 

Change the Registration

Within 30 days of purchase, you must complete the transfer of registration on the used car into your name. This is done by bringing the signed Certificate of Registration to any Motor Vehicle issuing office in New Brunswick.

You’ll need to provide identification and pay any applicable taxes and fees. Once complete, you’ll be issued a new registration under your name showing you as the legal owner.

It’s illegal to drive the used car without transferring the registration, so be sure to take care of this essential step in a timely manner.

 

Insurance & Registration

Once you’ve purchased the car, there are a few final steps to complete the transaction. The first thing you’ll need to do is get insured before driving the vehicle. In New Brunswick, you are required by law to have valid automobile insurance anytime you operate a motor vehicle. Work with your insurance provider to switch the policy over to the new used vehicle. Make sure you have at least basic coverage including liability and collision. Comprehensive coverage is also recommended to protect against theft, vandalism, fire, and animal collisions.

Next, you’ll need to officially register the used car in your name. This transfers legal ownership into your name. To register a used car in New Brunswick, you need to submit the proof of insurance, bill of sale, vehicle registration certificate, and applicable taxes and fees to Service New Brunswick. The fees to register a used car typically range from $140-$240. Once registered, you will receive the new registration card and license plates for the car. Remember to place the new plates on your car and keep the registration documents in the glove compartment. With insurance and registration taken care of, you can hit the open road in your new ride!

 

Have a Mechanic Inspect Thoroughly

Even if the used car looks great and seems to drive well, it’s essential to have a trusted mechanic do a thorough inspection before finalizing the purchase. A mechanic can spot issues that may not be obvious to the untrained eye.

Some key things a mechanic will inspect include:

 

  • Engine compression
  • Fluid levels and condition
  • Battery and electrical system
  • Exhaust system
  • Suspension and steering components
  • Brakes
  • Tires and wheels
  • Transmission and drivetrain

 

A thorough inspection can reveal leaks, worn parts, previous damage or inadequate repairs. Having a mechanic check over the major systems and components can help avoid expensive repairs down the road. It’s a good final verification before committing to the vehicle.

Some used car dealers will allow you to have the vehicle inspected by your own mechanic on or off the lot. If not, you may need to pay a small fee to have the dealer’s mechanic inspect it. This expense is well worth it for the peace of mind of knowing what mechanical condition the car is actually in.

 

Consider an Extended Warranty

An extended warranty can provide added protection and peace of mind by helping cover repairs after the manufacturer’s warranty expires. This can be especially valuable for a used car where the original warranty may have already lapsed.

Extended warranties help pay for expensive repairs related to the engine, transmission, electrical system, air conditioning, steering, etc. They can save you money in the long run by avoiding costly repair bills.

Research warranty options to find the best coverage for your needs and budget. Third party warranties from reputable providers can offer similar coverage to the manufacturer at a lower cost. Make sure to read the fine print to understand exactly what’s covered and any exclusions or limitations.

While an extended warranty adds to the overall cost, it may be worthwhile if you plan to own the vehicle for several years. Repair costs down the road will likely be more than the price of the extended coverage. This added protection gives you confidence in the reliability of your used vehicle.

 

Detail the Interior & Exterior

Once you’ve purchased your used car in New Brunswick, it’s a good idea to get it professionally detailed or do a thorough DIY cleaning yourself. This will make your new ride look its best and help you spot any issues that may need addressing.

 

Professional Detailing

Taking your used car to a professional auto detailer is the best way to thoroughly clean the interior and exterior. They have industrial-strength cleaners and tools that can lift dirt from every nook and cranny. Detailing services include:

 

  • Shampooing upholstery and mats
  • Vacuuming and scrubbing floor mats
  • Cleaning wheels, wheel wells, undercarriage
  • Polishing and waxing paint
  • Applying protectants to vinyl, rubber, plastic
  • Steam cleaning headliner and seats
  • Sanitizing HVAC system

 

This deep clean will make your used car look and smell brand new. Prices vary depending on the size of vehicle and services requested.

 

DIY Cleaning

You can also tackle detailing your used car yourself. Focus on cleaning every inch inside and out. Vacuum and shampoo carpets and seats. Scrub floor mats. Wipe down all surfaces with a multi-purpose cleaner. Don’t forget the cup holders! Polish paint and apply wax for protection. It will take some elbow grease but you’ll save money.

Be sure to use automotive-specific cleaners, not household products. Clean glass inside and out. Dress tires and shine wheel rims. Look for any leaks or stains that may indicate issues. Take time with this final step to ensure your used car in New Brunswick looks and feels clean.

 

Accessorize

One of the best parts about getting a used car is being able to customize and accessorize it to your liking. Here are some great accessories to consider for your new used ride in New Brunswick:

 

Floor Mats

High-quality, custom-fit floor mats are a must for any used car. They’ll protect your carpets from dirt, mud, snow and everyday wear and tear. WeatherTech and Husky Liners make excellent laser-measured floor liners that will keep your carpeting looking new. They have deep channels to trap moisture, debris and snow and keep it off your shoes and clothes. For a more budget-friendly option, universal or semi-custom fit mats from companies like MaxLiner and Motor Trend work well too.

 

Phone Holder

A phone holder or mount is crucial for safe driving and using navigation apps. There are many options like dashboard and windshield mounts or even CD slot holders. Choose one that positions your phone in your line of sight and is easy to take on and off. Popular brands are iOttie, Anker and Beam Electronics.

 

Tint Windows

Adding window tint makes your car more comfortable, private and stylish. Window tint blocks UV rays and glare, helps regulate interior temperatures and just makes your car look cool. New Brunswick permits tint darkness up to 50% in the front side windows and any level of tint in the rear and back. A 20-35% tint all around is ideal for visibility and heat reduction. Any professional tint shop can install high-quality film from brands like Llumar for you.

 

Stay On Top of Maintenance

Buying a used car is just the first step – maintaining it properly is key to getting the most value. Here are some tips for staying on top of maintenance:

 

Follow the maintenance schedule

Consult your owner’s manual and follow the recommended maintenance schedule. This will outline when to change the oil, inspect brakes, replace filters, check transmission fluid, inspect belts and hoses, rotate tires, and more. Don’t skip recommended services – they keep your car running smoothly.

 

Keep detailed records

Keep a dedicated log or file for your car where you track mileage, dates/costs of service visits, parts replacements, and repairs. This will help you stay organized and provide documentation down the road if needed.

 

Extend the life of your car

Proper maintenance helps avoid major repairs down the road. Changing fluids and filters regularly, replacing worn parts early, and addressing any issues right away can add years to your car’s life. This protects your investment in the long run.

 

Conclusion

Buying a used car in New Brunswick can be a great way to find affordable transportation, but it does require you to do your homework. By setting a realistic budget, thoroughly researching different makes and models, carefully inspecting any car you’re interested in, and taking other important steps, you can feel confident you’re making a wise purchase.

Some final tips: don’t let the excitement about a car cloud your judgment, don’t rush into any deal until you’ve verified the condition and history of the car, make sure to properly transfer ownership and register the vehicle, and consider investing in an extended warranty for additional peace of mind. With the right used car, you’ll enjoy many years of trouble-free driving.

We hope this guide has helped you feel prepared when buying a used car in New Brunswick. Take your time, trust your instincts, and you’ll end up with a great vehicle that fits your needs and budget perfectly.

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Common Questions About Buying a Used Car in New Brunswick

When buying a used car in New Brunswick, there are a few key things to look out for:

 

– Get a Carfax report – This will show you the vehicle’s history including any accidents, owners, service records, open recalls, registration history and more.

 

– Inspect the vehicle thoroughly – Check for any signs of damage, rust, leaks, etc. Take it for a test drive and pay attention to any unusual noises or handling issues. Have a trusted mechanic do a pre-purchase inspection.

 

– Check ownership and registration – Make sure the seller has the vehicle’s registration with their name on it. Confirm there are no liens or flags on the title before purchasing.

 

– Know your consumer rights – New Brunswick has laws regarding warranty, returns, false advertising and more when buying from a dealer. Do your research so you know what protections apply.

 

– Get all paperwork – Ensure you get a bill of sale, ownership transfer papers, service records, etc. when you purchase the vehicle.

When buying or selling a used car in New Brunswick privately, there is some key paperwork you need to legally transfer ownership:

 

– **Ownership Certificate** – Also known as the vehicle registration, this must be signed over to the new owner during sale.

 

– **Bill of Sale** – Details the vehicle information, seller & buyer details, date of sale, purchase price, payment terms, and a statement that the vehicle is being sold “as-is”.

 

– **Safety Inspection Certificate** – Vehicles in New Brunswick require a valid safety inspection every 2 years. Make sure it will pass before buying.

 

You’ll also need valid auto insurance and registration transferred to the new owner’s name right away after purchase. Failing to update paperwork can result in fines.

When registering a used car in New Brunswick, there are a few typical fees to be prepared for:

 

– **Provincial Sales Tax** – 15% of the purchase price of the used vehicle

 

– **Registration Fee** – $172 for passenger vehicles, or higher for trucks/vans based on weight

 

– **Inspection Fee** – $47.50 for the mandatory safety inspection

 

– **Title Transfer Fee** – $29.25 to move ownership from seller to buyer

 

There may also be applicable late registration penalties or recycling fees depending on the situation. Your Autopac agent can outline all fees at time of registration. Make sure to budget accordingly!

No, unlike dealers the Used Vehicle Information Package (UVIP) is not required by private sellers when selling a used car in New Brunswick. However, having a UVIP completed with details on the car’s history can give buyers added confidence. Sellers should disclose any information they have on accidents, major repairs, liens and provide service records if possible. Buyers should still do their due diligence by getting a Carfax report.

New Brunswick’s Harmonized Sales Tax (HST) applies to all used car purchases in the province, unless it meets certain exemption criteria. The HST rate is 15% of the purchase price for private sales between individuals. For dealer sales, the vehicle must be sold for over $700 to be subject to HST. The tax is calculated based on the full purchase price minus any rebate or trade-in amount.

No, New Brunswick’s 15% Provincial Sales Tax (PST) does not apply to private sales of used cars between individuals. Rather, the HST (Harmonized Sales Tax) is charged in private sales. Only dealers have to charge PST on the sale of used vehicles in addition to the HST. As a buyer or seller in a private sale you do not charge or collect PST.

Yes, in New Brunswick all vehicles on the road require a valid safety standards certificate, also called an inspection certificate. When selling a used vehicle, the seller must provide the current certificate to show the car passed inspection in the prior 2 years. As a buyer, inspect the certificate expiry date and ensure there are no defects preventing certification. Without this safety certificate, the vehicle cannot be registered.

The average auto insurance premium for a used car in New Brunswick is approximately $1,100 annually, or about $91 per month. However, there are many factors that affect insurance costs including:

 

– Age, driving record and credit rating of the driver

 

– Where the vehicle is registered and primarily driven

 

– Year/make/model of vehicle

 

– Coverage types and deductible amounts

 

Your own insurance costs could be higher or lower. Get quotes from providers like Wawanesa, Intact Insurance, TD Insurance and others to find the best rate.

New Brunswick has a mandatory Used Vehicle Information Package (UVIP) and some return protections on dealer sold used cars, unlike private sales. You may return a used dealer vehicle within 2 business days or 500km if you find a defect not declared on the UVIP. You can also return within 30 days with a 50% refund if unable to certify emissions standards. There is no return period simply because you changed your mind though. Always inspect used vehicles closely first!

When buying a used car in New Brunswick from a private seller, the licence plates stay with the seller, they cannot be transferred. Even if you buy from a dealership, used vehicles must be registered and plated in the new owner’s name. Standard plates cost $172 annually while graphic plates range $172-$250. Personalized plates also start around $172 per year along with a one-time $56.50 set-up fee. Expect to purchase new plates as part of your used car transaction.

Yes, all used vehicles sold by dealers in New Brunswick must show a PPSA search as part of the Used Vehicle Information Package (UVIP). This shows any outstanding loans, liens, theft reports or other issues. Private sellers are not required to show PPSA info but buyers should still search the used car’s VIN themselves for $20 to confirm it is clear of registered security interests before purchase.

Used car prices vary across New Brunswick, here are average listings for some major cities:

 

– Moncton – $18,000

– Saint John – $16,500

– Fredericton – $19,000

– Bathurst – $12,000

– Miramichi – $10,000

 

Of course, averages change based on vehicle age, model, mileage and condition. But in general, you may pay a bit more on average for a used car in cities like Moncton and Fredericton compared to rural areas.

There are pros and cons to both dealers and private sellers when buying New Brunswick used cars:

 

**Dealers**

 

– More consumer protections and ability to return in some cases

– Often provide vehicle history reports

– May offer certified pre-owned model with warranty

 

**Private Sellers**

 

– Usually cheaper pricing than dealers

– Can negotiate more on price

– No need to pay dealer doc or admin fees

 

Do your research to decide what best suits your budget and risk tolerance. Get any used car independently inspected first.

Some of the best places to find good deals on repossessed and seized used cars in New Brunswick include:

 

– www.govdeals.ca – Government site with vehicles from repo agents and police seizures

 

– www.adesa.ca – Auto auction site with inventory from banks, credit unions and dealerships

 

– Dealership clearance lots – Many have dedicated sections for bank repossessed vehicles

 

– Classified sites like Kijiji and autotrader.ca – Some private sellers list repossessed vehicles

 

Inspect thoroughly and confirm ownership status on any repo vehicle before purchase. Deals can be found if you know where to look!

When registering an out-of-province used car in New Brunswick, you typically need:

 

– Out-of-province registration signed over to you

 

– Used vehicle information package

 

– Bills of sale or ownership transfer forms

 

– Safety standards certificate from a NB inspection

 

– Proof of valid insurance

 

– Mileage and VIN verifications

 

– Any lien releases from previous province

 

Ensure everything is in order before heading to Service NB. Fines can apply for late registration.

The best approach for searching multiple sites for used car deals in New Brunswick is to use a search aggregator tool like AutoTempest. This tool allows you to search local listings from sites like Kijiji, Craigslist, Facebook Marketplace and more, all in one place. You can customize by location, max price, vehicle specs and other filters to easily hone in on the best deals. Checking both individual classifieds sites and an aggregator is an efficient way to maximize your chances of finding the perfect used car.

Some key questions to ask private sellers of New Brunswick used cars:

 

– Why are you selling the vehicle?

 

– How long have you owned it?

 

– Has it been in any accidents?

 

– What is the general maintenance history?

 

– Are there any mechanical issues or repairs needed that I should know about?

 

– Can I take the vehicle for an independent inspection?

 

– Do you have any service records you can share?

 

Asking strategic questions will help you determine the vehicle condition, history and ownership situation to uncover red flags. Dig deeper on any vague or concerning responses before buying.

When test driving used cars in New Brunswick, watch for:

 

🔎 Strange noises from engine or other mechanical parts

 

🔎 Issues smoothly changing gears or any transmission slipping

 

🔎 Any electronics, lights or features not working properly

 

🔎 Brake vibration, pulling left/right, or uneven tire wear

 

🔎 Fluids leaking underneath the vehicle

 

🔎 Steering wheel vibration or poor alignment

 

🔎 Smoke from tailpipe or issues accelerating

 

Pay attention to all vehicle behaviors so you can identify problems early and negotiate price accordingly or walk away. Don’t ignore red flags just because you really want that vehicle!

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