What to consider when buying a car

Last updated 19 June 2026

New or used? Big or small? Fuel or electric? With so many decisions to make, the process of buying a car can be overwhelming. We break down some choices that can help future-proof your purchase.

Buying a car is a big deal. Most people will keep their car for close to a decade before they think about changing or upgrading. It’s important, therefore, to consider a range of future factors when making a major purchase like this – both to ensure you get what you need out of it now, and that it continues to suit you over time. 

A key question for anyone purchasing a new car is what fuel or energy type to go for: petrol, diesel, hybrid or fully electric. As society moves towards clean energy sources and a lower carbon future – and petrol prices and supply are uncertain – does it make sense to switch now? While a hybrid or electric car could have a higher upfront cost, the benefits and cost savings might more than offset that, which may ultimately make it a more sustainable decision. For a fully electric car, you need to know that you’ll continue to have a dedicated home charger and a household electricity supply that can support it safely. 

Consider repairs, safety and extra costs 

Taking into account future costs and repairs is important too. The popularity and volume of the car type affect parts availability and price, so common makes and models are typically cheaper to keep on the road. Knowing that the parts are readily available and that there is a network of places across the country where your car can be serviced and repaired may make your life easier.  

Whether or not you choose to buy a new or a used car may come down to budget, but one of the pros of buying a new car, as opposed to an older model, is that they usually have fewer unexpected repairs in the first 3–5 years, and a warranty which keeps maintenance costs a bit more predictable. 

Good safety ratings are always an important factor. Not only do they bring peace of mind, but often result in reduced premiums in your car insurance. Cars with good security systems will also help keep premiums down, so put that on your consideration list too.

Future-proof your car purchase

As well as questions around the car itself, don’t forget to factor in how your own life might evolve in the next decade. If you plan to start a family at some stage, or there could be grandchildren in the coming years, will the car comfortably and safely fit child seats in the back? Is there easy access for lifting babies and toddlers in and out? Check for ISOFIX, a universal system designed for fitting child seats that uses an attachment point in the car rather than a seat belt. It’s been mandatory since 2014 in all new cars, but some earlier models may not have it. While babies might be small, the gear that comes with them can be a major deal. Is there plenty of room for a pram, pushchair and other infant paraphernalia in the boot, if needed? 

If your kids or grandkids are still young, consider how their needs might change in the coming years. Are you likely to be taking multiple kids to school or sports practice, in which case, is it worth considering a 7-seater? Will you be carrying bikes or needing to tow a trailer or a caravan to a campsite? Then tow rating and trailer brake control compatibility might be important. 

Finally, how might your commute change over time? Maybe you have a short daily hop right now, but if you’re thinking about changing jobs or houses in the next few years, keep comfort factors in mind in case your travel time significantly increases.

Tips for maintaining the value of your car

While it’s true that a car starts depreciating as soon as you drive it out of the dealership, there are a few choices you can make and things you can do to help preserve its value:  

• Choosing popular colours and features means it might be easier to find buyers when you come to sell. Hot pink or lime green may be harder to resell. 

• Stay up to date with servicing and keep records, check oil and water regularly, fix damage promptly with quality repairs and avoid risky modifications. 

• Park off-street and ideally under cover if possible. New Zealand’s wild weather conditions – and the debris that comes with them – can take their toll on paintwork, glass, rubber seals and wiper blades. 

MAS Motor Vehicle Insurance

MAS offers different types of car insurance based on your needs, with Comprehensive being the most popular. This option includes full cover for the insured vehicle as well as legal liability cover for damage caused to other people’s property. It also has additional benefits such as no excess on lock and key replacements, no excess on windscreen glass repairs and the ability to choose your own repairer. Get in touch with MAS on 0800 800 627 to find the right cover for you and your vehicle.