Meet the Other Phone. Flexible and made to last.

Meet the Other Phone.
Flexible and made to last.

Buy now

Please or to access all these features

Living overseas

Whether you're considering emigrating or an expat abroad, you'll find likeminds on this forum.

Advice on buying cars in New York

139 replies

MovingtoUSmum · 21/09/2017 21:47

Hi there,
So it's a 3 week countdown until our move from the UK to New York (westchester county). DH and DC getting very excited!
Could do with a little advice re buying a car. Luckily our new house is v close to the station into GCT so we only need one car for our family.
Current plan is to hire a car for a couple of weeks and then buy. We've read in our 'moving to America' book that car sales in the US are very different to the UK in that there are not so many checks like there are in the uK in terms of the cars being serviced/ MOT etc. What's the best plan, buying privately or going to a showroom and buying a 'certified' car? Little worried about naively buying a dud!
Any ideas or previous experience welcome.
Many thanks!

OP posts:
claraschu · 23/09/2017 05:49

Get a manual if you want one.

Get a Prius- ours is great and gets great gas mileage. Just because gas is cheap in the US doesn't mean that using gas in the US has a less devastating effect on the planet.

I hate the attitude that in the US you drive a big gas-guzzler, just because it is cheap to run. I realise that no one has said this outright, but also no one has mentioned driving a car that is a bit less harmful to the environment.

claraschu · 23/09/2017 05:50

Oh and we have had very good luck with second hand cars in NY, though we have bought upstate, so can't recommend a dealer in Westchester.

JWrecks · 23/09/2017 08:11

I lived in America (Texas, then briefly DC) for many years, and I have spent quite a bit of time in New York, so I hope I can offer helpful info. Cars are not handled by the federal government, so laws and requirements will vary by state, county, and city, but they are generally quite similar across the nation. Pretty much everywhere, however, obtaining and registering a car are both complicated and painful processes.

You will need to consider where you will store the car when not in use (if you are in or near the city, or go into the city) and that can be very expensive. In general, simply having a car in NY is prohibitively expensive.

Parking a car, wherever it is that you drive it, will always cost something if you go into NYC. It's very difficult to find free parking anywhere. You will have to pay to park at home (unless you live in a detached with a driveway and/or garage), you will have to pay to park at work, and you will have to pay to park everywhere else you go.

Don't buy anywhere near NYC. The price of a car itself is much higher in and around NYC, as most people there simply don't have them. If you can manage it, drive well outside the city (perhaps upstate New York or even Pennsylvania or one of the surrounding states) to buy or even lease a car. The further you get from NYC, the lower the prices (which goes for just about everything as well), and IMO it would totally be worth a 3-4 hour sight-seeing drive in a rented car to save several thousand dollars. Depending on the car, you can find them for 5 or 10k less outside of the city.

There is always the option to lease, rather than buy outright, which is something like a 3 or 5 or 7 year term of making payments that are basically what you'd pay to buy, only you trade it in for a newer model at the end rather than pay it off and keep it. Those who always want to have a brand new car often go that route, as they'll always have a car payment anyway. The prices on leasing will be higher nearer the city as well, so if you can manage it at all, get far away from the city even to lease.

I also recommend buying USED rather than brand new. The second you drive a car off the dealership's lot, it's worth thousands of dollars less. You can find fantastic deals on new, reliable, low-mileage cars from car hire companies like Hertz, Enterprise, etc., because they sell as soon as they reach about 30-40k miles for a nicely reduced rate. There are also reliable resale dealerships like CarMax which do extensive testing, offer warranties, and are much more affordable than brand new cars. Also, if you buy a used car, the inspection is good until the sticker runs out, so that's one less thing to do right away. Used car dealers have a LOT of wiggle room on price, so never, ever pay the full sticker price. Ever.

---> If you buy from a dealership (new or used) you must haggle, HARD. It's absolutely harrowing. Car dealers are extremely slimy and will take you for everything you've got. They will pressure you, they will be rude to you, they will belittle you, they will laugh at you, they will intimidate you, they will frighten you, they will pass you around, they will outright lie to your face, they will keep you in a little room and refuse to let you leave, they will leave the room repeatedly to "talk to their manager" while just trying to make you sweat, they will use police interrogation methods on you, and they will just generally bully you into paying the most they can squeeze out of you. They're notorious for this! The MSRP or sticker price is ABSOLUTELY NOT the price you pay for a car, ever. You should expect at LEAST 10% off that price, if not more, and the more cash you have to put down, the more they should take off the top.

---> In fact, I HIGHLY RECOMMEND taking a local friend who has experience buying cars WITH YOU, and letting them do as much of the talking as possible. Honestly, act like you don't speak English or something, as car dealers (especially used car dealers) are some of the pushiest people in America, and buying a car is genuinely one of the most harrowing experiences you'll go through over there!! I really cannot recommend strongly enough that you take somebody with you who has experience with car dealers!!

You are in for a bureaucratic nightmare. Whether you lease or buy, new or used, you will have to carry insurance, register the vehicle, obtain licence plates, pay property tax annually (may coincide with registry), undergo inspection, and obtain a driving licence. Insurance can be bought from any company that will cover you. You can have the inspection done at any garage that offers inspections (they will have a sign outside). The rest, however, cannot be done anywhere outside the city or county in which you live. Also your licence will double as your identification card and is accepted as such everywhere.

Carrying liability insurance that covers any damage to others' property that you cause is compulsory by law, and you will be ticketed or fined or have points removed if you are caught without insurance, but if you can afford it, full coverage is always best. If you buy a brand new car, or if you finance at all, the lender will almost always require that you carry full coverage insurance. You will be responsible for finding an insurance company on your own, within [a certain number of days] of the purchase.

Insurance can be obtained online fairly easily, but it can be a crapshoot. If you carry home owner's or renter's insurance, ask them if they will do a bundle. Otherwise (and even if you do already carry insurance), you'll want to do lots of research on insurance companies. They will all offer basically the same coverage, but their prices, discounts, etc., will vary. You are also able to haggle with these people somewhat and ask for discounts, etc., however you may get shafted because they "cannot" access your UK driving records. It could be a pain in the arse, due to just having arrived there.

Your car will need to be registered and taxed with the city or county annually, and additionally you will have to take it for an emissions/safety inspection annually as well. It's expensive, and it can even be more painful than the buying process. You may need to take and pass a driving test to obtain a licence, though it's possible that you could simply "transfer" if you've got one now. Check with the city and county websites to find out what you need, and where you've got to go to complete it. Find out how much you can do online, and DEFINITELY see if you can "check in" or "get in line" online, because... well... see below.

Renewing your licence, as well as renewing your registration and tax, can be done online subsequent years, but I'm pretty sure you will have to go in person the first time to get the licence (and possibly take the test), register the car, prove the inspection, anything else required and to prove your identity for each. Each of these services may require you to visit different departments in different locations, as well. The DMV is another notorious butt of American jokes as it's the picture of bureaucracy and red tape, so expect to be there all day long, just sitting and waiting, and make arrangements for the DC as such. It is a long, slow, totally unforgiving process that often requires you to start at the very beginning for one paperwork mistake, and the people who work there are usually rude and terse, indifferent to your troubles and aggressively apathetic, so read everything as carefully as you possibly can, and genuinely plan to be there for several hours.

Look online to find out which offices you need to go to, check their office hours, AND check with the county AND city well in advance to make sure that you have all the necessary documents in your hands and every scrap of information and identification you'll need before you go to the building. Then ask locally if there is more than one location, and, if so, whether any particular office location that is quicker or less crowded. There may be only one place in a county where you can get each of these things done, so it's always overflowing with people, but even if there are more, they will still all be crowded. Some people actually line up hours before the place opens, because if it happens to be particularly crowded their number may never be called before closing and must return the next day. Some locations have a longer day each week, where they stay open an hour or two later. ALSO! Depending on the city and county, you may have to visit two (or more) different offices to complete the process. In Texas, for example, you go to the county DMV office to get your licence, the county tax assessor to register the car, another office entirely to obtain licence plates for the car, and a garage to have your car inspected. It really is a nightmare!

Perhaps I missed it, but are you 100% absolutely positively CERTAIN that you really and truly need a car? You are moving to the only area in America with good public transport, where most people do not drive, so it's really a massive expense. In fact, in the City, they actually (passively) discourage car ownership. Less than half of New Yorkers even own a car at all, as the public transport there is world class and it's a city built for walking and there are plenty of other options like day-rentals and as-you-go borrowing companies. It's entirely possible that you simply won't ever need a car in that area, and if you're not absolutely CERTAIN that you do, I would highly recommend trying your best to get by without one.

I apologise for the long post, but I do hope it's helpful. I'll post again if I think of anything else, and I'm happy to answer any specific questions, too! I wish you the best of luck (and the best of patience!), and congratulations on the move! I hope you and the family enjoy it!

newbian · 23/09/2017 09:16

JWrecks she's moving to Westchester not NYC, I think she will definitely need a car!

MovingtoUSmum · 23/09/2017 09:58

Yes will definitely need a car - got 3 kids to ferry about!
Thanks for the advice though!

OP posts:
JWrecks · 23/09/2017 10:45

Aww, oh well. I was hoping maybe you could get out of it. The registration and all that is a nightmare to navigate, and I really can't say awful enough things about the process of buying itself, so do be careful with that - don't let them take advantage of you!

But then once it's all done, it's all done and you won't have to think about it again! :D

It looks like you're in a great place, too. Quick hop to and from Manhattan with no end of things to see and do, but without the constant bustle of actually living there. I think you're gonna love it, and I hope you do!

Congratulations, and best of luck!

Kursk · 23/09/2017 11:14

claraschu

Genuinely interested, have you ever had problems with the battery freezing in winter?

Also what's the towing capacity of a Prius?

Want2bSupermum · 23/09/2017 11:25

The Prius is a nightmare with children. You can't do 3 with that car. I tried and it just doesn't work.

jwrecks is 100% correct about this process being a bureaucratic nightmare which is why I strongly suggest going with a proper dealer who sells new cars. If they only sell used cars run don't walk.

Want2bSupermum · 23/09/2017 11:43

I drove a golf as a single then married with two DC. The number of times other drivers just didn't see me was scary. As the OP will be in westchester they will be on 95. The paving on that road isn't great and you have lots of trucks.

Finally this will be their only car. It needs to something that is reliable and functions for the whole family for where they live. In winter I put bricks in the back of my car as it was like Bambi on ice. A bigger car that is heavier is needed as is AWD. Today I wouldn't consider anything without AWD.

No one and I mean absolutely no one drives a manual. You would never be able to resell the car. My understanding is that the OP is on a 3 year assignment. That is why I think a lease is a much better option for them. They really do not need the headache of trying to sell a car when managing an international move. Also if thing go bad and they need to leave early they are only on the hook for the lease payments to the end of their lease. Used cars are not heavily discounted here and Americans do not maintain their cars. This is not the U.K. The weather is much harsher and the roads not always in great condition so maintenance is vital.

The discount on used cars was not worth it. The golf was $15k new and the dealer wanted $10k for a car that was almost 4 years old with 60k miles on it. The Mercedes was $80k new and for a 3 year old car they wanted at least $55k. Past 6 years and the car becomes hard to sell second hand. The OP will have this as their primary car and buying a 6 year old car is not something I would recommend.

blueberrypie0112 · 23/09/2017 15:22

Kursk, I never really had a problem with battery freezing but then again, I live in the blue ridge part of VA (where it doesn’t snow as much but does get cold. Our winter issue is that the snow will melt and freeze again which gave us a lot of black ice)

claraschu · 23/09/2017 15:24

Hi Want2Be no we have had no frozen batteries, and we have left it unused for fairly long periods. It has been great! I have never tried to tow anything with it, though, so don't have any first hand experience with that.

It is a comfortable car, and I don't see why you couldn't fit 3 children in the back seat. Perhaps not 3 large car seats, but from 4-8 kids in NY just need a booster seat, and after 8 they can just use the seat belt, so I can't imagine this would be a problem unless you have 3 kids under 4 years old.

Kursk · 23/09/2017 15:27

claraschu

I like the idea of a Prius but in practice we would be replacing a Sierra pickup so it wouldn't really be practical.

A Diesel electric 2500 Sierra would be perfect for us

Reppin · 23/09/2017 16:01

I live in Westchester want2b and I drive a small manual. As do loads of people, there are tons of fiats and minis here. (and even quite a lot of smart cars) Many Americans can drive stick you know!

blueberrypie0112 · 23/09/2017 16:11

I seen minis and fiats here too. It is finding someone who will service it that’s difficult but like I wrote, it depends how common it is, so if it is common, mechanic from anywhere know how to work with them otherwise the owner have to go to a specialized shop (more $$). they told my sister they couldn’t work on her Saab because they didn’t even have the tools for it.

But yes it is true, many Americans can drive a stick(manual)

blueberrypie0112 · 23/09/2017 16:16

(I don’t drive it because I am deaf and scared I can tear up the transmission, but I was taught how to drive a stick)

Want2bSupermum · 23/09/2017 17:18

Yes there are Americans who can drive manual but there are many many more who would buy an automatic for a family car. Most minis and fiat 500s are automatic. Yes people are more likely to buy manual versions of these cars but I don't know anyone with 3DC who would pick out either a mini or a fiat 500 as their one and only car in westchester. Your information about manual cars seriously risks leaving the OP misinformed and vulnerable to making a poor decision that could cost them thousands. The OP has 3DC and has asked about what type of car and how to sort it out.

Yes you can fit 3 children who are out of car seats in a Prius but it doesn't have AWD and it's got a tiny boot.

I think something like the GMC Acadia with captain seats or the Volvo XC90 on a 36-38 month lease is a far more practical option for the OP. You can fit your kids, their sports and school stuff and shopping in the back with both options plus if you are having kids over you can fit them in your car. I wouldn't discount a Toyota Sienna AWD either.

If you have a child who plays hockey a Prius isn't going to cut it. Even the Q5 is too small!

Want2bSupermum · 23/09/2017 17:21

Also there is the skiing to consider too as well as golf. DH will be happy to get something bigger so he can fit four sets of golf clubs in the back.

Reppin · 23/09/2017 18:12

Yes, I doubt someone with 3 kids would buy a fiat. But I still don't think that buying a manual is problematic. I choose to drive my manual in the snow because I have far more control. Never had a problem with resale either. Although for a shorter period leasing is a good option (I would still go for manual there too!)

Want2bSupermum · 23/09/2017 18:41

OP another good option for the area is Subaru. Their cars are great and lots of them are on the road.

misssmilla1 · 23/09/2017 19:12

I second Want2be on the bigger car thing, especially driving on the 95 - that road scares the SHIT out of me!

DH has a BMW X1 that I sometimes drive and its so low compared to the Mazda I'm pretty sure trucks etc don't even see it.

We're in southern westchester and I know the nearest volvo dealership / garage is across the line up in connecticut.

Regarding buying in a different state, you can, but then you will have to register the car back in NY state as you're a resident there - not sure how much extra work that is

Want2bSupermum · 23/09/2017 19:18

Dealerships just over the state line will most probably know how to do both states. DH got his last car up in Orangeberg NY and they registered it for him in NJ. Have the dealership deal with the DMV.

BeALert · 24/09/2017 05:31

Kursk, my Maine friends with diesels do have problems with starting them when it's very cold, just FYI.

I haven't had the bureaucratic nightmares that other people describe here. We go to a DMV in a smaller town that doesn't have long queues. Our town hall is really helpful and quick with the annual renewal stuff.

I have found repair prices very expensive and we now lease new cars so we have more predictable costs.

With 3 kids that age I'd probably get something with 7 seats. The Odyssey or Sienna are v nice and reliable.

I managed 10 years in a very cold snowy state without AWD and just got very good snow tyres.

Having said that my next car will be an AWD because I now have to do fairly regular drives up to the Canadian border in all weathers.

I think it's harder to find good insurance deals by comparison shopping online here. We found an insurance agent who does a much better job of finding good deals than I can.

We've bought across state lines a couple of times - it wasn't at all complicated but do be aware you pay sales tax in your state at your state's rate, not the rate where you bought it from.

mathanxiety · 24/09/2017 07:14

Go to Carmax. Don't buy from a private seller. I second the advice to find someone to go with you to haggle.
Buy a SUV. Or lease one.

Buy a sturdy windscreen scraper and a bag of salt and a few cheap kitchen type floor mats to use for getting out of snow ruts. Keep a snow shovel in your trunk. Buy extra windshield fluid.

Registering and getting title in NY state:
dmv.ny.gov/registration/register-and-title-vehicle

The dealer will probably help with paperwork.

You will need auto insurance. Shop around. Ask for the minimum legal coverage. You can compare better coverage rates from there.

Depending on your municipality, you may have to buy a city vehicle sticker also. You go to your city/village/municipal/town hall to do this normally. It is basically an annual tax on vehicles. Usually the tax/sticker renewal falls due in summer. You may be charged a late payment amount. If this is the case, you will just have to suck it up.

I drive a 13 year old Honda Pilot. We get a good deal of snow here and it has never let me down. I park outside and it always starts. It seats 8, and both rear rows of seats can be folded completely for heavy duty schlepping. It has AWD at the switch of a button.

It felt like driving a treehouse at first, but I really appreciate the high clearance in winter and the fact that it is a large vehicle gives me a lot of confidence in the crazy Chicago area traffic.

It did a lot of carpooling and fit a lot of sports equipment. It was absolutely fantastic for road trips as the five DCs had a bit of room and we could fit our luggage easily. Decent mileage too.

mathanxiety · 24/09/2017 07:18

ExH has always driven a manual. I hate them because of the start/stop driving in a very built up area full of 4-way stops. Nice for the open road, but in an area with traffic lights or a lot of stop signs a stick is a waste and very inconvenient, and I suspect hard on the clutch too.

Reppin · 24/09/2017 08:20

Not if you are a good driver Wink

Please create an account

To comment on this thread you need to create a Mumsnet account.

This thread is closed and is no longer accepting replies. Click here to start a new thread.