The cost of owning a car. Calculation of cost

Many people in Russia dream of getting their own car, not always realizing what consequences this entails. Before buying, you should clarify the cost of ownership of the car. Namely, how much money the driver will annually give out of his pocket for the maintenance of the car.

Calculating the cost of owning a car

Some drivers believe that the most important thing is to find money to buy a car, but this is far from being the case. The car needs periodic maintenance of high quality, replacement of spare parts and other materials. Not everyone has enough knowledge to repair the car on their own, and they have to turn to special salons, which only increases the cost.

In addition, every year it will be necessary to pay the transport tax, extend the policies of CASCO and OSAGO, not to mention the cost of gasoline. It is based on this list of costs calculated the total cost of ownership of the car. In some cases, this amount is so high that it can exceed the price of a new car.

Statistical information

Annually specialists of various magazines form, trying to find out the cost of owning a car, a rating according to which Russian drivers can see how much their colleagues from other countries spend on the average. Recently, statistics are very depressing, experts say that keeping a car in Russia is much more expensive than in the US or in Europe.

On the assurances of representatives of agencies that conducted polls among drivers, the average cost of which is 700 thousand, annually, about 300 thousand rubles. For comparison, American drivers have an average of 220 thousand rubles in translation per year for an average year.

What expenses should the owner of the car be prepared for?

To calculate the cost of 1 year of ownership of a car, it is necessary to take into account several items of expenditure. The largest costs will come at the time of purchase of the vehicle. After buying a car, its new-born owner will have to purchase OSAGO - a compulsory civil insurance policy, if desired, he can acquire CASCO. When buying CASCO, the cost will depend on the accident-free experience of the driver.

Important and logical costs are those that are allocated for the purchase of fuel. The financial costs in this case will be affected by the volume of the engine, as well as the state of the internal systems of the car. If you have purchased second-hand transport, there is a high probability that it will "eat" too much gasoline due to the fatigue of some internal systems.

Additional costs for maintenance of the machine: maintenance

The following costs are related to maintenance. If you purchased a brand new car with a mileage of zero, there is a technical regulation for it, according to which the maintenance intervals are allocated. When you buy a new machine, you can calculate the cost of its maintenance even two or three years in advance, since the repair work is indicated in the warranty conditions, the cost of replacing certain materials can be checked with the dealer.

If we are talking about the purchase of a used car, then it is most likely to need either complete recovery, or in carrying out major maintenance, which includes the replacement of most consumables. Thus, the cost of owning a car will depend on the condition of the vehicle.

Replacement parts - another expense item

All the parts and components in the car have a certain strength resource, which sooner or later ends. In this regard, the vehicle will periodically need to replace the suspension, transmissions, engine parts, etc. These replacements should be attributed to another item of expenditure - "repair".

Even new machines will need to be repaired, since they can also cause malfunctions and breakdowns, which can not be repaired with the help of warranty service. When buying a new car, ask the dealer what exactly is included in the warranty service in order to calculate the cost of ownership for the year in the future.

Other maintenance costs

There is one more expense item, which sooner or later will affect any car owner. It is a question of other expenses for the maintenance of the car - purchase of sets of seasonal rubber, payment of necessary taxes for a vehicle, payment of CASCO and OSAGO, costs for washing services, etc.

Some owners also take care of the interior decoration of their vehicle, buying plaids and pillows for it, which is important when traveling long distances. As ornaments are used souvenirs, miniature deodorants, original covers and much more. All this applies to the article "other expenses", this can save a little.

How to calculate the cost of ownership of a car?

To calculate the costs that will need to be spent on car maintenance per year, it will take a little research. To start, you will need to calculate the cost of compulsory motor TPL insurance (mandatory), as well as CASCO (if you decide to insure the car in addition), it can be done in the insurance company. You can also calculate this amount yourself, using the online calculators.

The cost of ownership of a car, the rating of which directly depends on the cost of its maintenance, also depends on how much money will constantly go to gasoline. To perform the calculations, you need to know how much a liter of fuel is suitable for the car (at least approximately), the gas mileage per 100 km of travel, and the distance that the car will overcome within a specified period of time.

For example, the cost of a liter of gasoline is 30 rubles, the car uses about 10 liters of fuel per cycle, and every month 800 kilometers pass, the annual mileage is thus 9600 kilometers. To overcome this distance, the car will need to spend about 960 liters of fuel, the purchase of which will need to spend 28.8 thousand rubles. This amount should be included in the cost of the year of ownership of the car.

Helpful Tips

If you buy a used car, it is recommended to consult with experienced car owners in advance, to clarify the presence of weaknesses and advantages in the model. Also they will be able to tell you how much the components for this car cost, and what will be the cost of possible repairs, if necessary.

Buying a vehicle, you must not only accumulate the right amount for purchase, but also calculate the cost of owning a car in advance so that you do not have any problems in the future, and you did not look for panic for repair money. If you consider all possible items of expenses, then you can immediately decide whether you will be able to maintain a car that you want to buy, or you should stop at a more budget option.

After buying a car it is recommended to immediately install a CASCO on it, especially if your driving experience is not too great. In the case of an accident, you can expect compensation, according to the ratio specified in your contract. OSAGO in this case is a mandatory requirement, without it no driver has the right to drive.