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Used car buying guide - Quebec

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buy a used car in quebec

For ease of reading, we use the masculine or the feminine, which are used in a generic sense. They refer without distinction to all genres 💙 🙌

This buying guide describes the steps to buy a used car in Quebec with confidence. I will share with you the essential tips to avoid scams and get a good deal 💡.

I forgot to introduce myself ! My name is Edward. Several years ago, I started working in a dealership automobile in Montreal.

With my experience as a car broker and my entourage who very often asks me for advice on buying a car, I quickly understood that it was not so simple for ordinary mortals, with all the scams present on the market. 

Through this guide, I hope to help you with a bunch offruity info 🥝 and de warnings 🙅‍♂️.

Feel free to share this guide around you if it helped you, and to send us your comments/questions if you have any. If we can make this guide better, that's great for future readers, and that's what we want! 😊 

GO ON, LET'S GO TO SERIOUS THINGS  🚀

Summary (click on the step that interests you!)

Automotive inspection

Discover the Kiwiz car inspection:

  • No travel required: our inspectors are mobile 
  • Inspection and receipt of the report in less than 48 hours! 
  • Purchase in confidence with objective inspectors
  • Google review: 5/5

1. Determine your budget

Before you even start shopping for a used car in Quebec on Kijiji Auto and AutoHebdo, we will define your budget.

At Kiwiz, when shopping for your car, we recommend dividing your overall budget in half:

  1. your purchasing budget (i.e. the amount you will spend the day you buy your car).
  2. your annual budget (maintenance, registration, fuel, etc…).

I can't tell you the number of people I know who bought a car “within their budget” and had to sell it a few months later, because they hadn't taken into account the annual costs when purchase, far too high for their overall budget… 

 

So believe me, it is important that you make this distinction! ⚠️ ☝️

The idea is not to spend all your budget at all costs. $500 more to will not necessarily lead to a better car. Conversely, imagine that a good deal at $300 more than your initial budget will make you money by buying it at the right time and selling it for more a few years later.

You do not believe me ? 🤔

 

5 years ago, I was driving a 2005 Honda Civic with 190 000 kilometers purchased for 1$. 

After several car changes, I now drive a 30 000$ car without increasing my initial car budget. 

For that, I didn't have to tinker with the car, the mechanics, nor the aesthetics, I simply followed the recommended maintenance and analyzed the market!

Buying and selling at the right time can help you at least pay for your insurance, fuel, and more. 

But in short, again, it all depends on your priorities.

 

We will start by listing the different expenses that should not be forgotten, because yes, the purchase price of a car is far from the final price. (I.e.

Costs:

 

Purchase budget:

  • Sale price (price displayed on the ad)
  • Taxes (9,975% if you buy between individuals or 14,975% in concession)
  • Mechanical inspection 
  • Immediate repairs (if applicable)

     

Automotive budget:

  • License fees (approximately $ 70 taxes included)
  • Registration (approximately $ 205, in 2021)
  • Car insurance 
  • Future maintenance  
  • Required equipment (tires, mats, etc.)
  • Fuel 
  • Extended warranty (optional)
  • Parking (optional)

     

🙅♂️ Warning warning 

Please note that adding administration fees, transport fees or other additional fees not included in the display price of the advertisement is strictly illegal, and it is a common practice among dealers! If you want to know more, this article to says more about illegal processes.

 

💡 How can Kiwiz help you?

On your Kiwiz customer area, you can discover the fees listed above for each of the ads found. This is what Kiwiz calls the “budget calculator”.

It is based on the maintenance menus recommended by the manufacturers, the price of parts online and the hourly rate of one hour of labor in a car garage.

 

car mechanic

“Without in-depth mechanical knowledge, buying a used vehicle was a source of stress.

I had bad luck twice (a lemon then a hidden fee scam) but I finally found a great car.

The Kiwiz team is responsive and offers very good advice. my three inspections were all done within 24h. The reports provided are extremely detailed. I highly recommend their services! »

–Adeline

2. Determine your needs

Last step before choosing your future car: you must know your needs. 

This step is unique to everyone, so to save you time, we'll break it down.

 

a. Rent or buy?

Rent

 The decision to buy or rent is yours, there is no right answer. The rental allows you to drive a recent car, without worrying about mechanical or functional breakdown. Unfortunately, that peace of mind wears off when you have to return the vehicle, as the cost of even minor cosmetic defects can quickly add up. This is why many people purchase additional insurance to avoid these hassles. In conclusion, renting will cost you more than buying in the long run.

Shop now

The other option is to buy cash or finance. 

🙅‍♂️ Warning warning Often in dealerships you will see that the cash purchase supposedly allows you a “discount”, but this is false.Dealers love to talk about discounts, promotions and other marketing tools that are actually expense shifts (you haven't seen that one huh🙄). 

Take the example of a new car sold for $25. You hesitate between financing and cash purchase. The all too often present mention “$ 1500 discount for any cash purchase ” makes you want to take advantage of this (fake) promotion.

Here is the truth:

The real price of the new car is 23 500$ (25 000$ - 1500 1500$) and the XNUMX XNUMX$ discount is actually hidden interest! 

And yes, 0% financing rates (Hello Volkswagen) do not exist. It would be too good to be true.

 

🙅‍♂️ Warning warning

For the purchase of a used car:

NEVER apply for financing at a concession! 

If the dealers offer to take the steps for you, it is because they take the opportunity to add their commission before sending you the final rate. 

You read correctly, the rate communicated by the dealership is NEVER the rate obtained at the bank. So, you might as well take the steps yourself to get the best rate and have the choice of shopping at a dealership or between individuals.  

Again, there is no solution better than the other.

It all depends on your situation, your cash flow and your debt ratio. 

If you want more information on the subject, here is a Kiwiz article that might interest you.

 

a. Between individuals or at the dealership?

Buying from a dealership is reassuring at first glance. There is a mandatory warranty (the duration depends on the age and mileage of the car).
And then, we think that a professional knows what he is selling.

So we think it's worth paying 14,975% tax on the purchase price rather than 9,975% between individuals.

First, let's make the difference between a brand dealership (Example: Subaru dealership) and the multi-brand dealership.

The brand dealership often offers “certified” used vehicles. I bought a "certified" Subaru myself. I made this choice because it was the best deal when I bought it and not because I was hopeful that the car would be more reliable or better inspected. It did not fail! I had significant charges soon after purchase that were not covered by the “certification”. I have also bought cars from multi-brand dealerships and had significant costs quickly after the purchase... same with a purchase between individuals. 

???? Fruity Info: Buying from private individuals is the only way to know the previous owner. It is useful to have an idea if the car has been well maintained or if it has been "shaken".

So, where to buy a used car in Quebec? 

Even if I would tend to advise you a purchase between private individuals, the answer is that it is better not to dismiss any leads, good deals can be made everywhere, but the important thing is to carry out a mechanical inspection by a third party which ensures the good working order (I insist on this word, it is very important not to have the car inspected in the owner's garage for a neutral and transparent inspection. Why not? Faking a report with Photoshop: it's already seen ... 😑)

🙅‍♂️ Warning warning : A piece of advice, never buy financial products (guarantee, financing, insurance of any kind, etc.) during the first visit.
“The promotions of the day” in dealerships exist every day… Because once financing is requested in a dealership, you cannot shop elsewhere! 


For more information, here is an article that we have written on the subject.

Automotive inspection

Discover the Kiwiz car inspection:

  • No travel required: our inspectors are mobile 
  • Inspection and receipt of the report in less than 48 hours! 
  • Purchase in confidence with objective inspectors
  • Google review: 5/5

c. Usage & preferences

Ask yourself questions about the desired use of your future car:

  • Is it for city trips or mainly on the highway? 
  • Do you plan to use it every day or only on weekends?
  • Another relevant point: what are your preferences: comfort, reliability, driving pleasure, safety or low fuel consumption?
 

Do you tell yourself that this information is not very relevant to your choices?

Think again, each car is designed for specific needs. So, of course, you can buy any car and drive it every day. But don't be surprised to have mechanical problems afterwards! 


???? Fruity Info: For example, he Hyundai Santa Fe, which is an overall very reliable car today, has had problems with its four-wheel system in the past. If you are looking for an efficient 4X4, this is a bad choice. On the other hand, for use in town it is an excellent car.

💡 How can Kiwiz help you? Let Kiwiz do it by indicating your preferences and essential criteria on your client space , and immediately discover the cars that best suit your needs.

In addition, you will have access to a gigantic autothèque with all the existing vehicles that you can compare between them to make your choice.

 

d. Types of fuels

Gasoline

The most common fuel, it is unnecessary to describe it. There are different grades of gasoline, from regular to premium. The vehicles that need 'super' are the big ones or sporty vehicles and you should expect higher costs. 

Diesel

Fuel suitable for long journeys. Less greedy than gasoline engines, diesel is a smart choice for those who do 20 km or more per year. A diesel has a much longer lifespan than a gasoline provided you have the right use. For use in town, with journeys of less than 000 km, we do not recommend diesel. 

Electric ⚡

With the government aid when purchased, the electric is suitable for short-distance travel use, mainly in town.
This committed and responsible choice requires great rigor before the purchase ????

???? Fruity Info: The main cost of an electric car comes from the batteries. It is essential to inspect an electric car (such as combustion) with specific points such as the residual capacity of the battery.

Hybrid and Plug-in hybrid 🔋

The perfect compromise that combines the advantages of electric and gasoline. Hybridization allows you to drive electrically for daily trips and for long trips, gasoline removes the constraint of battery autonomy.
For those who want to consume or have an eco-responsible sports car, the hybrid is the solution.

Hydrogen

Hydrogen vehicles are still little known and yet they have already proven their worth. Mainly present on trucks, Hydrogen is becoming more and more popular thanks to car manufacturers like Hyundai. Without going into details, hydrogen is ecological, offers a great autonomy and Filling the tank is almost as fast as filling it with gasoline.
Its downside? The lack of infrastructure to fill up with hydrogen. 

e. Automatic or manual

A manual car generally has a lower value than an automatic, not to mention that it has a higher time to sell.
Of course, we cannot generalize! Some models will have better value if they are equipped with a manual transmission, such as the Subaru WRX STI for example. As you will have understood, this exception is mainly aimed at sports or atypical cars.

La automatic transmission exists with different technologies. 

There is the semi-automatic transmission, double clutch or even the continuously variable transmission (CVT). If you want more information, read our detailed article on the subject !

f. Indispensable options?

It is important to define your essential options. It is sometimes better to buy an older car with more miles in order to have a more equipped version. 

Be careful not to confuse essential options with superfluous options. 

Is the sunroof really necessary? A simple question to which many answer yes! This is why manufacturers offer option kits at exorbitant prices. 

🙅‍♂️ Warning warning: Keep in mind that the fewer purchase criteria you have, the more likely you are to find a great deal. Be aware that many options can be added with “aftermarket” parts such as the Bluetooth for $ 25 or a reverse camera for $ 125.

💡 How can Kiwiz help you? On your Kiwiz space, enter your essential options and Kiwiz is responsible for selecting the versions of used cars that meet your criteria. Among our 50 car files, you can list all the options up to Apple Carplay and / or Android Auto, we will find them!  

car mechanic

“Thank you for your impeccable customer service and expertise! Without hesitation, I confirm that you offer one of the best services before/during/after inspection that I have obtained, all fields combined. 100% satisfied!"

-Joelle

g. Driving wheels

« It takes 4 wheel drive for the winter❄️

No it is wrong! You need high-performance winter tires in good condition.
To choose your traction system, refer to your use.
Here is a reminder of the differences.

Traction

  • The most common motor skills
  • Suitable for city driving
  • Front wheel traction 
  • Low consumption and light car
  • Correct grip in winter 

Propulsion

  • The choice of technique
  • Not recommended for all-season use
  • Rear wheel traction
  • Playful behavior on the road, even dangerous on the snow 😉
  • Expensive annual insurance

All-wheel drive (also called 4-wheel drive)

  • Suitable for driving in town and on the outskirts 
  • 4-wheel drive (4WD)
  • Maximum grip at all times
  • Higher consumption and weighs down the car

 

As an owner of front-wheel drive, rear-wheel drive and four-wheel drive cars, my feedback is that for commuting to work or school, traction is sufficient and even for going to the mountains in winter. I will repeat myself, but the most important thing is your tires, they are the only component between the car and the road!

Propulsion in winter is fun, but let's be serious, it's unusable every day.

Finally, four-wheel drive is peace of mind. Having two Subarus, the all-wheel drive is a joy when it has snowed 50cm in the night. When I see my neighbors shoveling snow, I just turn the key of my Subaru and move forward... It's still amazing. As for fuel consumption, the main factor that will increase it is between the seat and the steering wheel (I'm talking about you).

And yes, if you have a smooth ride and avoid hard acceleration, you will save gas.

 

h. Mileage and maximum age ⌛

“After 100 km, the car will have lots of problems” or even “after 000 winters, it's a lemon”… Here are the sentences uttered by those who rent their vehicle or who have just bought a new car. And guess what? It's wrong!
Yet even the CAA Quebec supports this argument stating "Breakage and replacements to be expected" and "Sometimes less safe".

The “breakage and replacement to be expected” are the consequence of a maintenance menu poorly followed by some owners.
And yes, changing the oil and the oil filter is not enough, manufacturers don't create detailed service guides for fun.

A well-maintained used car with mostly highway mileage is a godsend. Know that starting a car is a major wear factor and this is accentuated in winter, so it all depends on the previous owners, if they were careful or not. 

When I worked in the dealership, I saw used cars of 100 km with an engine failure and others with +000 km in excellent condition. 

Without going into details, believing that a new car will have no mechanical or electronic problems is imaginary.

As for saying that a new car is safer, the multitudes of manufacturer recalls following incidents demonstrate the absurdity of the myth of new cars being more reliable.  

The mileage and the year of the vehicle actually has little impact on the reliability of the used car. 

 

 

🥝 Fruity Info
Take a look at this picture of my Audi A6 Allroad with almost 430 km.

Audi A6 dashboard view

How is it possible ? Simply by following the maintenance menu recommended by the manufacturer.

And for you the automotive connoisseur who knows that this generation of the A6 was not marketed in Canada, it's a long story... 

 

In conclusion, ask yourself what is the maximum age you want for your used car: 

  • 3 years and under
    This is recent used, ideal if you want a recent car without paying the cost of depreciation of a new car. Most often, you will find certified offers in dealerships.
    Be careful, these are mostly rental returns. Needless to say, rental car drivers tend to skip maintenance if they know they won't be buying the car at the end of the contract.
  • 6 years and under
    In my opinion, it's the choice of reason when you have little automotive knowledge. The value of the used car is approaching the floor price and the “major maintenance” of 100 km – 000 km has been carried out.
  • The most expensive maintenance in the life of a car is generally around 110 km: gearbox oil change, timing belt change, etc.
    The good deal is the used car that has just passed this maintenance!
  • 10 years and under
    Used cars have reached their floor price, that is to say that their value should not decrease or only slightly over time. There are many cars of this age, in good condition and ready to drive for many more years.
  • 10 years and older 
    Ideal if you are looking for an inexpensive used car in Quebec or a “beater” for the winter. The car I drive every day is a great driving 2003 Subaru Legacy. I'm not afraid to add miles to it and lower its value, because I bought it for $1! On the insurance side, I pay $500/month and that's great!
 
 
Automotive inspection

Discover the Kiwiz car inspection

  • No travel required: our inspectors are mobile 
  • Inspection and receipt of the report in less than 48 hours! 
  • Purchase in confidence with objective inspectors
  • Google review: 5/5

3. Determine your brands and models 🚗

 

Each of the previous steps allow you to find the models that suit you. For example, depending on the essential options you have chosen, you can determine which model and more precisely which version has the options you desire.

how to find a car

🙅‍♂️ Warning warning: The equipment included in a version also depends on the year! For example, the 2015 Subaru WRX version of “Base” does not include a multimedia screen unlike the “Sport” and “Sport tech” version. Then from 2016, the version of “Base” includes the screen. The options included in the versions are constantly changing, because they are above all a marketing argument for the manufacturers.  

 

To find the models, you can navigate to Auto123 or even The Car Guide. Let's be realistic, consulting the various car data sheets is painstaking work.

Otherwise, you can ask those around you for their opinion. Although I think if you're reading this guide you'd rather make up your own mind and that's to your credit. 

Our team has written several articles according to different categories of cars (for young drivers, family cars, with the best value for money, the most reliable, etc.). I invite you to take a walk on our blog !

💡 How can Kiwiz help you? The Kiwiz recommendation algorithm!

Just like Netflix, which offers you movies and series that you might be interested in, we have developed a comparable tool for cars.
You can enter the criteria as you wish and instantly receive the results 🙂

4. Search for ads 🔍

You now have all the information you need. The search for a used car in Quebec can finally begin!

You know the models you are looking for, maybe one, two or more.

It is sometimes necessary to try several models to make a choice. As for a house, it is by seeing it for yourself that you will know if it interests you or not. 

To find the best deals, I strongly recommend that you check out several platforms such as  KijijiAutoAutoweeklyPACsTogo (formerly Occasion en or), Facebook Marketplace, etc. 

car inspection

 

 

car mechanic

“Exceptional, fast and efficient service. In less than 24 hours Kiwiz provided us with a full report on the vehicle and the inspector called us to give us his opinion on the vehicle. I recommend it to everyone. It's wonderful that the inspectorr moves to the seller, that's a big plus in my opinion. »

-Vincent

5. Call the owner 📞

At the dealership, as with private parties, it is common to pay a deposit to 'reserve' the vehicle. We recommend that you pay a deposit of approximately 5% of the sale price by Interac transfer (avoid cash payments).

If you're buying from an individual, it's time to sign the contract.

a. Questions about the owner

 

1- Reason for the sale (only applies between individuals)

This question allows you to better understand the profile of the owner. Does he want to sell to buy a new car? Or because there are repairs to be made? 

 

2- Is there a credit on the car? (Applies only to a purchase between individuals)

Here are the options:

Option 1 : If the sale price is less than the credit remaining to be paid by the owner, I advise you to make payment for the car directly to the creditor, and the owner will pay the balance of what remains to be paid to the creditor.

Option 2 : If the sale price is higher than the credit remaining to be paid by the owner, I advise you to make the payment of the remaining credit to the creditor and to pay the difference to the owner. You can also pay the full amount directly to the landlord. 

When transferring ownership to the SAAQ, the credit must absolutely be repaid in full!

🙅‍♂️ Warning warning: Il generally takes 3 to 5 working days between payment to the creditor and receipt of payment.

3- Number of previous owners?

It will be possible to check the number of owners in the "Check history" step. The idea is to know if the owner knows the history of the car and if he is the 1st owner, then it is an asset! 

4- Vehicle Identification Number (VIN)?
This number is present on the vehicle registration card, or in 3 places on the vehicle:  

  • At the bottom of the driver's side windshield
  • On the driver's side door 
  • On the engine block
 

🙅‍♂️ Warning warning: Pay attention that these 3 numbers are identical! If this is not the case, it is because the engine does not belong to the chassis which does not belong to the car...

The VIN is essential, because it makes it possible to verify the history of the car and therefore to ensure that the car has not been damaged and / or stolen. 

5- Number of keys?

In theory, there are 2 keys to start the car and 1 key to unlock it.

Make sure you have both keys to start the car. If the owner only has one key, then you must check that it has a code written on it. This code is required to make a new key. 

???? Fruity Info: The cost to get a new key is around $ 1,200 + tax.

b. Questions about the vehicle

1. Aesthetic and functional defects?

On the ads, owners tend to say that the car is in perfect “9/10″…”A1” condition (by the way, the term A1 means nothing…🤪).

 

By asking this question, you will be informed about the real condition of the car and its defects. And yes, a used car will inevitably have faults and repairs to be expected, it's completely normal!

2. Up-to-date maintenance and invoices for the latest repairs?

Often, we see on the ad "no repairs to do".

Excellent, but is the maintenance up to date? It's not just the oil and filter changes that need to be done… a car needs specific maintenance depending on its mileage!

???? Fruity Info: If the reliability of a Toyota Corolla is no longer up for debate, like any car, the Corolla must undergo rigorous maintenance at the risk of losing its reliability, here is its maintenance menu.

If the owner has the invoices, it is a big asset for the resale. A used car with a maintenance booklet (invoices) sells for 10% more on average. So, check with the owner that he has them!

3. Equipment provided? (summer and winter tires, floor mats, other)

You should know that all the equipment included are less costs for you! 

6. Road test and inspection 🧑‍🔧

As pointed out by CAA Quebec, « It is essential to learn about the model and to have your future car inspected by a professional. ».

A complete inspection must include at least a mechanical inspection, a functional inspection and a test drive.

The mechanical inspection will determine the state of the mechanics but especially if the car is up to date in its maintenance.

An engine oil and oil filter change is not sufficient maintenance. Even a Toyota Corolla will break down if it doesn't follow the car manufacturers' maintenance menus!

Hence the importance of inspection!

 

For this, several options are available to you: an inspection in a garage or an inspection with Kiwiz, guaranteed in less than 48 hours.

 

used car buying guide

To. Garage inspection

 

🙅‍♂️ Warning warning: Je strongly advises you to have the mechanical inspection done by a third party (who is not the owner of the vehicle). For a car in a dealership, the mechanical inspection must be done in another garage. Between individuals, the used car must be inspected in a garage other than the one where it is maintained.

I recommend that you avoid Canadian Tire (I'm not generalizing, it's just the feedback from hundreds of our customers), and avoid all garages that have received bad reviews on Google.

Another point, remember to do a search at the OPC (consumer protection office) to check that the garage has no complaints. You will be surprised at the percentage of garages that have them! Again, I'm not generalizing. As in any profession, there are honest professionals and others who are not.

Unfortunately, the professions of the automobile is ranked last in the ranking the level of confidence in Quebec for a long time.

🙅‍♂️ Warning warning: Each garage has its own “home inspection”. Some won't even bother to take a test drive and just check out a few aesthetic points ... I've seen too many "inspected" cars not even started... a classic! 

 

That's why I'm going to give you some tips for carrying out the road test and the aesthetic and functional inspection (not mechanical!) by yourself. 

During a test drive, take the time to drive the car around town and on the highway. Some mechanical faults only appear from 80km/h. 

Do an emergency brake, i.e. drive at 30km/h and brake hard. The car is supposed to brake quietly and in a straight line. 

Similarly, accelerate gradually and see if the acceleration is linear. If you feel jerks, there is a problem (or a turbo!).

To help you make sure you don't miss a thing, you can download our test drive and inspection checklist:

English: Checklist Essai Routier
English: Test Drive Checklistt

b. Inspection with Kiwiz

When I was a salesman in a dealership, I remember a gentleman who refused to test drive the car before buying it. He explained to me that he knew nothing about cars and would not be able to determine the condition of the car. It surprised me. How can you buy a car without testing it?

With hindsight, If you are not able to interpret an abnormal rear axle rolling noise or a clutch bearing that is not working properly, what is the point of a road test?  

This is why I told myself that the market lacked a complete and trustworthy inspection offer that would allow people who are not automotive experts to be referred and to buy with confidence without being fooled. 

That's why I founded Kiwiz, a service offering comprehensive and transparent vehicle inspections including a road test, a functional, aesthetic and mechanical inspection, as well as a complete report including photos.

Our network of inspectors across Quebec is made up of experts in the field who have many years of workshop experience and are trained by us in Kiwiz inspection.

In 4 steps, here's how it works: 
– You share with us the car you want to have inspected 
– We mandate one of our inspectors 
- The inspection is carried out within 48 hours
– You receive the full report, the expert's opinion (does he recommend the vehicle to you?), and the amount of repairs to be made if necessary.

If you want more information about our inspections, do not hesitate to visit our page.

7. CARFAX report (history check)

The purchase of a used car in Quebec, even if it seems healthy and in good condition, still requires additional verification. 

As explained in the “Appeal to the owner” paragraph, if you buy a used car on credit, you become the owner of the debt!

It's up to you to make sure the car is debt free.

You can do the research yourself, but it's time-consuming and tedious. You can find information in the “Don't Be Fooled” section of the SAAQ (yes, that's its name!).

Know that the form to obtain the history of the car with the SAAQ must be sent by post. Yes yes, no electronic sending accepted ... 

🙅‍♂️ Warning warning: Besides the dimension of the car credit, it is necessary to check its origin, if it is not stolen, damaged in the past or worse, that its mileage has been reduced. 

Although a full inspection is the best way to analyze if the mileage is reduced, the Carfax report is a complementary tool. It is much better than the SAAQ's history report, because everything is done online, and the searches are done in Quebec, but also in the rest of Canada and the United States 🙌.

Buy the CARFAX report without hesitation!

Automotive inspection

Discover the Kiwiz car inspection:

  • No travel required: our inspectors are mobile 
  • Inspection and receipt of the report in less than 48 hours! 
  • Purchase in confidence with objective inspectors
  • Google review: 5/5

8. Negotiation and payment

At the dealership, as between individuals, it is common to pay a deposit to "reserve" the vehicle. We recommend that you pay a deposit of approximately 5% of the sale price by Interac transfer (avoid cash payments).

For a purchase between individuals, it is time to sign the contract.

used car buying guide

 ???? Fruity Info:  Le CAA Quebec sales contract between individuals is complete and legally recognized. If you are not a CAA member, take advantage of the Kiwiz contract which is free (and just as comprehensive). 

The difference between the sale price and the deposit can be paid by certified check during the appointment at the SAAQ for a purchase between individuals, and when the car is received at the dealership.


🙅‍♂️ Warning warning: Pay attention to the nice words of the dealer. He is a sales professional! When I was a dealership salesman, I had plenty of selling points to convince. The reality is that of cars, there are +3 million that are sold each year in Canada. You are bound to find a shoe that suits you. If you find the price too high, or the seller seems to be hiding information, or you're just hesitant, stop there! You don't buy a poutine, but a car, it's quite normal to want to be in total confidence.

9. Administrative procedures

a. Assurance

You have now purchased your new used car (congratulations). Before you even drive it, the car must be insured. If you call an insurer or even your bank directly, negotiate over the phone. You can easily lower the annual premium.

Kiwiz Insurance

 

💡 How Kiwiz can help youOur Comparator of insurers offers you the best price without even having to negotiate. How is it possible ? Insurers know they are in competition and directly offer the lowest price.
And little additional advantage, you can subscribe online, without having to call. You can have more information about the insurance here.

 

b. Registration - Dealer

At the dealership you pick up your car with a transit. This is a paper that serves as a temporary license plate. You have 10 days to go to the SAAQ. There, you will be able to pay the road charges (approximately $275 for Montreal) and receive your permanent license plate. To do this, you must make an appointment on the SAAQ website.


🙅‍♂️ Warning warning:  Si you use your car with an expired transit, you risk a $483 fine. Trust me I was in tabarouette the day it happened to me. I know it's my fault and I have no excuse.

 

vs. Registration - Individuals

Between individuals, the transfer of ownership for a used car takes place at the SAAQ.

 

  1. Make an appointment on the SAAQ website (“Service points”> “registration”> “transfer of ownership)
  2. Prepare your papers: Driver's license, ID, debit or credit card, screwdriver (you will need to remove the previous owner's license plate and affix yours).
  3. Be present with the seller or have power of attorney. 
 

🙅‍♂️ Warning warning: On the website, it is written that an appointment lasts 15 minutes. In my experience, this can be true or false. Sometimes I've spent over an hour waiting for my turn… (even with a date!), so be prepared!

Regarding the payment of taxes, they are calculated on the sale price. 

Between individuals: 9,975%
At the dealership: 14,975% 

There you go, all you have to do now is enjoy your new car!

 

If you are buying a car right now, we advise you to browse our website. You can find there:

  1. Un purchase guide which brings together the best advice for making a good deal.

  2. If you have already found your self, book an inspection with a Kiwiz expert ! It's the best way not to get scammed 🙂

If you have any questions or recommendations, feel free to share them in the comments!

We hope to have helped you 😊

See you soon !

used car buying guide
car mechanic

“Kiwiz is like an essential when you don't know much about cars. I made myself accompanied by an expert, j'I was able to negotiate a much better price and I was sure I was not buying a wreck. I was warned about several mistakes I could have made! So I recommend this service without hesitation for the confidence they bring! »

– Cecile

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