Buying any sort of new car can be a daunting task with so many makes and models out there today. The choices are no less abundant when it comes to new 4wd’s on the market – add to this trying to figure out what factory and aftermarket accessories and options to get can make the whole experience overwhelming.

Here are some simple tips that can help you make this journey a little easier.

What do you want to use your new 4wd for?

The intended purpose of your new 4wd is the single most important consideration when it comes to looking at purchasing. The 4wd that you need for that one trip a year to Fraser Island verse towing a 3 tonne van around the country are streets apart. Every car dealer will tell you that their 4wd is the best one for what you want to do but don’t take their word for it. Once you understand what the predominate use of your new 4wd is do your own research – get onto internet forums and read the experiences other owners of the car you are considering have had.

What spec level best suits your needs?

Once you have narrowed down the 4wd that best suits your needs you then need to consider the spec level of the vehicle. Once again a lot of this comes down to what your intended use for the vehicle is. One of the other considerations should be to what accessories you will be adding to the vehicle – this is important as by choosing an up spec model may mean you are paying more for accessories such as side steps or special bumpers that you will simply removing when you fit accessories that better suit your needs.

Don’t be afraid to shop around

As with when you are considering what 4wd is best for you it pays to do your research. Shop around and find the deal that best suits you.


Consider second hand

Looking at second hand could save you thousands. There are plenty of near new 4wd’s out there that still have factory warranty and very few kilometres – consider both dealer and private seller cars.

Don’t let your guard down just because you have signed the contract.

Once you sign a contract at a dealership you will be introduced to the Aftermarket Products person and the Business manager. The Aftermarket products person will be trying to sell you everything from floor mats to paint protection – these are normally at inflated pricing to what you could get shopping around. The Business Manager will be offering you finance deals to finance with them and while theirs deals are normally competitive still shop around – it pays to be educated and often they will be able to negotiate on the rate. The dealer makes money out of both of these areas of the business.


Get your TJM gear bundled with your new car finance!

Step 1: Find the TJM gear you want in-store or online

Step 2: Get a quote from your local TJM Store

Step 3: Ask your finance broker to add it to your new car finance

Did you know Aftermarket Accessories won’t void you new car warranty?

One of the biggest myths around is that fitting accessories to your vehicle will void your manufacturers warranty – this is simply not the case. It is a tactic employed by motor dealers to try and scare consumers into buying their accessories.


When you fit and aftermarket accessory as a rule of thumb the part you have replaced is no longer covered by the manufacturers warranty, however reputable aftermarket products will be covered by their own warranties which in most cases match that of the manufacturer.


Genuine Accessories Vs Aftermarket

Motor dealers will always tell you their product is the best option for your vehicle however you should always compare with other available options on the market. In our experience genuine accessories are designed to a price point as a priority over functionality.

In most cases Genuine Accessories are more expensive than aftermarket also. How is this possible you ask? It is simple. The Car Company contracts a third party to make the parts. The part manufacturer sells those parts to the Car Company who then sells them to the motor dealership. The motor Dealership’s parts department then marks them up to the sales team who then in turn mark them up to you – everyone making a margin on the way through.

It is important to consider functionality when comparing Genuine and Aftermarket accessories. Take bull bars for example – when considering a genuine bar as is it winch compatible? Does it have inbuilt rated recovery points? Will the driving lights I want fit in the bar? How will it stand up to an animal strike?

Another little known fact is that some accessories sold as Genuine Accessories are actually Aftermarket Accessories simply rebadged as Genuine. Towbars and roof racks often fall into this category with companies such as Rhino Rack and Hayman Reece manufacturing Roof Racks and Towbars for both the Genuine and Aftermarket Sector.

When you consider facts like these it makes scare campaigns like the one below seem silly.

Why pay stamp duty on your accessories?

Now that you have decided to purchase your dream 4wd you are looking at not only the vehicle but also the accessories that you need to turn it into you ultimate family tourer. Many people look at rolling some or even all of these accessories into their finance with the purchase of the vehicle. Did you know that when the dealer adds these accessories to your contract at the very least you are paying stamp duty on them (up to 3.5%) and in some cases the dealer is adding their own margin on top?

There is a simple way to avoid this from happening to you – get quotes on your accessories just as you would with your new vehicle and then use a finance broker to organise your finance. They will be able to organise for two payments – one for the car to the dealer and one to the accessory supplier all on rolled into the one repayment. This is something that the car yard won’t be able to offer you.

Finance My Ride offer this service and work closely with TJM 4×4 Megastores to ensure you get the best deal from the car and accessories right through to the finance.