馃攳
How To Buy Your First Car In Canada + Insurance | Step By Step Process + Our Experience | - YouTube
Channel: Baanipreet Kaur
[1]
hello everyone welcome to the channel
[18]
I'm Bonnie and yes the same person so
[23]
husband's about how really you can find
[31]
your first find me by how really you can
[33]
buy your first car and then this video
[36]
was requested by a lot of people that
[37]
they want to know like how they can go
[39]
ahead and buy their first car in Canada
[41]
what are the options what what they
[42]
should choose second a new one so we
[44]
will be discussing all the benefits all
[46]
right on that and I'm not gonna let her
[47]
speak in this video
[48]
oh we interfere okay so we will be also
[52]
covering the part of the insurance the
[53]
cost that you go ahead and bear how you
[55]
can go ahead and decide the major factor
[57]
of your pocket expense the insurance
[59]
because my you can easily afford the
[61]
insurance that is something you need to
[62]
think about yeah whether we should go
[64]
for a new car or an second-hand car so
[66]
we will be clearing all that doubts in
[67]
this video it's very many steps non-iron
[69]
okay so there's no gender next steps to
[72]
it but she has made the process step so
[74]
you can follow that or you can made your
[75]
own steps so the first step obviously to
[77]
you know to get a car is to get a
[80]
license so the first step to buy a car
[88]
is obviously to buy the license
[93]
[Laughter]
[100]
[Laughter]
[106]
you
[109]
so the first step is obviously to have
[111]
the dragging extract from your own
[113]
country if you know driving so that's
[115]
the condition
[116]
he knows driving so he has got his
[118]
driving start from India I had no idea
[121]
about driving so I don't have it so
[123]
that's the facility these people can
[124]
have now the second step is now you have
[127]
the extract I'll tell you where exactly
[129]
you can use that extract and have the
[131]
benefit of it so now comes the license
[133]
so to have the license before getting a
[136]
car there are three steps G 1 G 2 G G 1
[140]
is computerized test there is this
[141]
application and I put in the description
[143]
box you'll have to study from that
[145]
application and go and give the
[147]
computerized test exactly and that'll
[150]
cost you somewhat around 116 dollars
[153]
like the total plus if you fail and then
[156]
if you want to relive the test that can
[158]
happen on the same day or some other day
[160]
for that TB 16 dollars yeah these are
[162]
approximate right so this is the cost of
[165]
the Toronto region yeah a second step is
[167]
G 2 for that you will have to practice
[169]
for 8 to 12 months hire an instructor
[172]
depending for how long you want to pay
[174]
for the instructor and how long you can
[175]
hire for the instructor hire that person
[177]
practice for 8 to 12 months now you can
[180]
totally omit this whole section of G to
[183]
get rid of it if you have the driving
[185]
extract so people like him who knows
[187]
driving don't really have to go to G to
[190]
level and directly jump o G happy cut
[193]
clear
[194]
up Gmail G is like few weeks of practice
[197]
this one poor giant work so basically
[199]
you you will also eliminate the month
[201]
waiting period like the 8 months or
[203]
minimum 12 month waiting period you will
[204]
also eliminate that if you have the
[206]
extract after G 1 you can immediately
[208]
book the next appointment date to give
[210]
it to you and if you fail in G then you
[212]
have to gives you 2 thing yeah so you
[214]
make sure you practice enough you make
[217]
sure that once you are confident enough
[218]
then only go for the final exam of G so
[221]
this is how you can get your license G 1
[223]
G 2 G for people who know driving and
[226]
have the writing extract from the
[228]
country then G 1 and dump jump to GG
[231]
without wait time now for the instructor
[233]
the fees here in Toronto
[234]
is 35 to 40 dollars per hour totally
[237]
depends on the person totally depends on
[239]
the local
[239]
he has taken six licenses take six with
[246]
the instructor and then he was confident
[248]
enough Zagal Anika melanoma happy person
[251]
oh god oh but fit G may fail over G to
[254]
come up is much John huh because this is
[256]
the kind of thing that you need to
[257]
follow now if you want to go now you're
[260]
finally going for the final exam the
[262]
final practical test you will need a car
[264]
so in that case you'll have to talk to
[266]
the instructor or a friend and then take
[269]
their card if you will go to the
[270]
instructor the price is $100 just for
[273]
the rent for that car only for an hour
[276]
or so and then the online fees is 125
[278]
dollars for the G exam tomorrow 140 130
[282]
it's it it's between 125 to 150 P no
[286]
licenses G 1 G 2 and G will be 10 to
[289]
you're who will be parcel will be
[291]
courier you know it will not be given to
[293]
you like in person yeah over there they
[295]
will give you the receipt only which
[297]
will be saying that you know you can
[298]
drive once you clear G or T 2 they will
[301]
give you a receive that you are
[302]
qualified t1 or t2 or GG license but the
[306]
real license will come to you by post
[308]
now you have the final license which is
[310]
the Z license now let's talk about how
[312]
do you really get the car the my
[314]
preference is always new car reason
[315]
being you make it just like that you are
[317]
making your life so you are making your
[319]
car's engine so basically that doesn't
[321]
make a difference because the car engine
[322]
is the heart of the car so I'd always
[325]
prefer Newgarden I have my personal
[327]
opinions but obviously if you're getting
[328]
in a second-hand car and depending on
[330]
your pocket as well so you can go for a
[333]
second-hand car there are a lot of you
[335]
know showrooms which deal with the
[337]
second-hand car they give you great
[338]
deals to be honest great beads like
[340]
mouth-watering gives people like me who
[342]
are fascinating about the cars so you
[344]
will get like slip over there like you
[346]
are getting a BMW in $20,000 and because
[348]
the EMI which they will be converting
[350]
into will be coming in the same ratio of
[351]
a new car so you cut off less range less
[356]
range like Toyota Corolla or in entrar
[358]
you know island so the the lesser value
[361]
cars so they will be going out and
[363]
converting the same email issue but my
[366]
preference was always to go ahead and
[367]
buy a new car because I am the one who
[369]
is responsible for anything
[371]
to my car so for us it's like buy a
[373]
smaller car with this lesser range but a
[376]
new car second-hand car we really didn't
[378]
water it but if you guys really want to
[380]
go for it there is no like problem in
[383]
that exactly so let's get it checked
[384]
properly exactly there's another thing
[386]
is basically which is the major factor
[388]
the why you want to use a car I wanted
[390]
to keep the for my first car for a
[391]
longer duration if you don't want to
[393]
keep a car like you are someone who
[394]
changed car every two years three years
[396]
so normally there is no point of buying
[397]
a new car for you you should definitely
[399]
go for a second-hand car because you
[400]
will be changing the car very soon at
[402]
which point which comes up why you are
[404]
using the car the purpose of the car
[405]
exactly so if you want to do over lift
[407]
and you know these kind of things there
[409]
were certain time lags to it that you
[411]
your car should be newer model it should
[413]
be like not five years older than the
[415]
current year
[416]
so these kind of restrictions are there
[418]
so then you have to look for these kind
[419]
of privileges and the car key is me
[421]
regarding a home or Bousquet bathroom
[423]
car decide Cairo but again all this it
[427]
has to undergo some Cairo test oh yeah
[430]
so we're in a lift kind of driving if
[433]
you are doing so there is a car
[434]
examination like that they will go ahead
[436]
and you look into your car whether your
[437]
car is good enough for that it has all
[439]
the safety features or not so this is
[441]
kind of a examination that they do off
[443]
your car and it cost you some $100 or
[446]
$120 so for that I think you will have
[448]
to go for the new car but totally
[450]
depends I have seen a lot of people
[451]
going ahead and buying the all luxury
[454]
and beautiful cars but secondhand and
[456]
then they're also driving uber and stuff
[458]
so you'll have to do your own research
[459]
and then it depends on your preference
[462]
yeah now we will talk about how to get a
[463]
car what you got and you got how you can
[465]
get a car now old car like I told you
[468]
here like there are places here where
[469]
there are big show rooms which are
[472]
dealing with only secondhand cars so
[473]
like there are or you know auto parks
[476]
these kind of things are there which is
[477]
a big brands and they're dealing with
[479]
only secondhand cars they will give you
[480]
financing options over there everything
[482]
is there so like buying a second-hand
[485]
car from the air is just like you're
[486]
buying a new car everything is under one
[488]
roof you can get your car checked and
[489]
everything will be there then the other
[490]
option which comes up as the small
[492]
dealers so you will find yeah small
[494]
small small dealer so you will find like
[497]
roadside dealers here also implemented
[500]
car yeah they have shops and they have
[501]
very limited cars so you
[504]
options they really get it arranged for
[505]
you if you if you want to get it done
[507]
and all sort of things they can go ahead
[509]
and look into that aspect but all the
[511]
formalities and it can be easily
[513]
financed so all this they will they will
[515]
arrange it for ya soul option a third
[517]
option is directly buying it from an
[519]
owner so basically like some you know
[521]
someone who has a car and he wants to
[523]
set it out so you can go ahead and
[525]
directly talk to him then if you want to
[526]
finance it then you have to arrange your
[528]
own financing stuff and everything you
[529]
have to talk to your bank or you can go
[531]
ahead and call any agents or like
[533]
there's a lot of long lists in the
[535]
online when you do a detail part of it
[537]
this is this is the third option that
[539]
you can directly go ahead and buy it
[540]
from someone the fourth option is the
[542]
online thing so online things is like
[544]
again in marketplace you will be the
[546]
face book marketplace feature it will
[548]
show you the cost if you want to look
[549]
for a car then there's a different
[551]
websites of different from brand like
[553]
even Honda they have they run their own
[555]
franchisee change which deals in second
[557]
cars you can go online on their websites
[559]
and we will find the Honda second and
[561]
kazooie same goes with different
[563]
different brands here also on KGC you
[565]
will find cars
[566]
exactly selling cars furniture and
[567]
houses so you can go and go ahead and
[569]
find it all keeps you yes but make sure
[571]
why again I'm saying it once you are
[574]
buying a second-hand car make sure it is
[576]
the life and the the heart of the car
[578]
which is the engine it should be good
[580]
easily Guardi and I have normal skin
[582]
like me hair mousse kill hair what
[583]
another year insurance after Joe
[586]
basically the collector when it comes to
[588]
giving the money monthly yeah now we
[590]
talk about how to do car new car is a
[592]
very cynical process which which you
[593]
which we are following from our
[595]
countries as well from all the native
[597]
countries like there are showrooms that
[599]
you go to and there are people that you
[601]
meet only showroom is the only option
[603]
exactly there are people that you meet
[605]
you tell you about that you tell you our
[606]
selective options like this is the
[607]
option I want to go for they will show
[609]
you the car that'll make you test-drive
[610]
it and then you can easily if you if you
[612]
like it you can go and you know ask the
[614]
options that how you want to go for it
[616]
they will arrange everything for you for
[618]
you like they will be going at and
[620]
filling the financing options for you
[621]
basically what I tell you is there are
[624]
online websites for different brands I
[627]
will explain what I am saying depending
[629]
on your budget supposedly if you want to
[631]
buy from you and I Honda more City
[633]
whatever you are budget
[635]
your budget is go online search and here
[638]
whichever car you like then go visit the
[640]
show shows individually go to Toyota go
[643]
to Honda Volt in your diet or go to
[644]
Mercedes whatever BMW whatever is your
[646]
budget yeah talk to them tell them that
[649]
this is my budget sample our budget
[651]
would be twenty five thousand dollars
[652]
for a car so they would show you all the
[655]
cars under that budget so then you will
[658]
have to choose and discuss with that
[660]
person what are the formalities for that
[661]
car what are their financial stuff that
[663]
goes under it what are the documents
[664]
that you that these people need from you
[667]
exactly and then if the car is for
[669]
$25,000
[670]
that person would ask you so you want to
[672]
do the down payment so there are some
[674]
really basic and minimum that you have
[676]
to do sometimes is thousand dollars
[678]
sometimes it's two thousand dollars and
[680]
if you know exactly sometimes they even
[683]
advise uses like paid three thousand
[684]
dollars and so that they can go ahead
[686]
and get your reference if you have and
[688]
if you have a lot of cash and if you
[690]
have a lot of money whether it's cash or
[692]
like in your account and if you want you
[694]
can pick me a big chunk of amount out of
[696]
the total budget out of the total car
[699]
money like if it is for $25,000 you want
[702]
you pay for ten thousand you pay ten
[703]
thousand dollars if you have it yeah so
[705]
then Joe gives to Panaji the money that
[708]
you have to give monthly it will be way
[710]
less and it won't hurt your pocket that
[712]
much exactly so as so as per your budget
[715]
you can discuss with the person and the
[717]
person that riser would ask you that do
[720]
you want the lease to be continued for
[721]
how many years so if the loan the loan
[724]
to be continued for how many years
[726]
technically the standard is seven years
[729]
so if you want you can give it in three
[731]
years if you have money or if you're
[732]
earning good if you have the job so
[734]
maximum is seven years and then every
[736]
month your bi-weekly the chunk will be
[738]
extracted from your account and will be
[741]
you know extracted into you know what I
[743]
mean yeah ticket so now you have decided
[746]
the model of your car you of the net and
[748]
decided that any order of enhancing and
[749]
everything then you need to submit your
[751]
documents based ABS PR cards and you are
[754]
any employment letter that would be fine
[756]
as well so once you submit these letters
[758]
then they will go ahead and process your
[760]
file because as per depending on your
[762]
credit score your loan need to be
[763]
approved so they will run a credit check
[765]
the first time it is
[767]
at credit check do remember it they will
[770]
run it hard credit check on your account
[772]
when I say hard and soft hard means
[774]
there it will once they will run a
[776]
credit check your points look at their
[778]
there will be some point which will be
[780]
deducted from your credit score
[781]
supposing your your credit score about
[783]
700 it will drop down to six seventy six
[785]
eighty softer is like it will still the
[788]
doctor credit you know but it will be
[789]
very less numbers so they will first
[791]
time they will run a hard credit check
[792]
on your account just because it's a big
[794]
amount it's gonna be like something
[795]
about $25,000 or $30,000 or $40,000
[798]
depending on your choice so once it gets
[800]
a proof from the bank then they will go
[803]
ahead and tell you that the loan is a
[804]
proof please go ahead and buy an
[805]
insurance our first car got rejected
[808]
from human then we had gone to Toyota
[810]
too good ten days and then it was
[813]
rejected and into oppa it got approved
[814]
would they know today whether a day
[817]
maybe two days man a day next day I got
[819]
a call and surprisingly your Nike Tom
[822]
Cali lady they which was cheaper than
[824]
what we are what we got in town right
[826]
now
[827]
Tom Adam Hikari provably 16 are approved
[829]
nearly three years our companies for
[831]
dependence upon key from Ankara sided
[833]
rules / depend Carter second thing is
[835]
job to my phone either your car has been
[837]
approved you can come and do all the
[839]
formalities go do all the formalities
[841]
and also they'll tell you we will not
[844]
give you the car till the time you won't
[845]
have the insurance of this car Soto
[847]
showrooms a guard Parnell is a big
[849]
effect on insurance later than here way
[851]
insurance key marker pay insurance case
[854]
Alania garita mariachi to chilled out
[855]
room I was Harry gauri karnik insuring
[858]
suta Harry gari kagari economic model
[860]
carne Correa purana gary hurry cock
[862]
along insurance Capri Hotel insurance
[866]
castle a nosegay Tariq ahead okay so
[868]
basically the the first thing that you
[870]
can do is you can obviously set up with
[872]
your laptop and research online like TD
[874]
u TD insurance is one of the major
[876]
factor that people go for TDC insurance
[879]
Liana gives car an online calculator
[880]
once you like the code obviously you can
[883]
give them a call they will go ahead and
[884]
call you back regarding the same and you
[885]
can discuss the matters this is the term
[887]
I am agreeing to other are there are
[889]
companies like bel-air intact lot of
[892]
companies are their insurance company so
[894]
you can always look for their website
[895]
and there's a lot of calculators
[897]
online this is the first point of way
[900]
that you can do your research for the
[901]
insurance code the second thing is agent
[904]
agents way come come now may go cook so
[907]
many agents Illya so I don't I didn't
[908]
make movies minook Sam blog on eco he
[910]
has a commission a lobectomy because
[911]
they have the direct dealing with the
[912]
company as well so my experience with
[915]
the agent was much better than doing
[916]
online because agent Gomez some job I
[919]
agree this is the thing that I wanted
[920]
what are the factors that impact your
[922]
insurance price Insurance Code co-consul
[924]
factors impact occur Campanella to
[926]
kidney God is relative to most men -
[928]
Taizo Cooper - and he got to tune garlic
[930]
he slay you scare away
[931]
Kabir just everyday commute Kyrgyz gotta
[934]
say don't get announced co-anchor yes a
[936]
factor so they were both effect car
[938]
there a many so finally agents about
[940]
curry to know some job I like him a
[942]
office leakage Allah only Sarah Dessen
[944]
disregarding my use curve one took my
[945]
karma will use my car will be on
[947]
Saturday Sunday when we family get that
[949]
any family personally usually got used
[953]
obviously wanna take Nicole Binaca dat
[955]
ha is a subset off you got own a
[956]
calculation the Yankees is up a hunk in
[958]
the our campus's argument of the
[960]
guerrilla okay who says upset me in
[961]
Charles Fort Worth you do you take
[963]
happily evaluate he get to hung Yi a
[965]
calico City then the second benefit they
[967]
gave me like online app Mary kooky I was
[970]
a new driver in Canada so owner Dominic
[972]
awake online app install that nigga bula
[974]
to me right now I mean I'm enrolled with
[976]
intact insurance okay happy that they
[979]
will go where it keeps a track or the
[981]
way you are driving how hard you are
[982]
breaking your car and all that kind of
[984]
stuff but immensely may go up to so many
[987]
athletes is that it's a kind of customer
[989]
you know keeping a customer with with
[991]
them oh it database run Conigliaro
[993]
kneecap install kuraki that's it it's a
[995]
very simple thing you will get somewhere
[997]
around 10% discount for that so do many
[999]
would unfairly insurance pros are
[1001]
cambogia so the major if factors that
[1003]
impact your code is keep negative it is
[1006]
our schools allow again
[1008]
make idea piranha guard against Kansas
[1010]
yep another dollar difference other then
[1013]
katana co-op kidney if safety features
[1016]
equipped Paraguay was my winter tile
[1017]
install Caribbean yoga is called $30
[1019]
square difference on out there then.who
[1021]
Skokie see a used car away Carrasco
[1023]
a liar you left le use Carolla
[1026]
well if Kaliyuga obviously the insurance
[1030]
prices are going to be higher
[1031]
sorry factors could depend they're gay
[1032]
or was came back to me the impact of
[1034]
hooker thank you octopus can and again
[1036]
the yeah us can the insurance keys three
[1039]
hair got a key
[1040]
now that man he had to obviously a for
[1041]
higher price million who yeah maybe in
[1043]
bacteria meta wada but by just that he
[1046]
thought Assam lockira ago many things
[1047]
Aussie agree insurance so which I pay
[1050]
and it's good so my name is going to
[1053]
limit the Ricky does that does activity
[1055]
sorry
[1056]
that's it so basically I'm the agency
[1058]
here my insurance agent car number
[1059]
honeybee akka advisor making Jojo has a
[1062]
McGarry leader would buyer Joe theme of
[1064]
water to a Pakistani thing so uh no Neha
[1067]
Mary Hill confusion agent they will be
[1069]
Pakistan is a so alone maybe car
[1070]
features that help could be on the
[1071]
online peeker up insurance car
[1073]
calculation but her Java Mengele in fact
[1075]
II may be Manasa Dodi a subsea tree
[1078]
manager denied insurance cool a cantar
[1080]
Mohammed he mangaka to thankfully my
[1082]
agency reasonable Melia as you get the
[1085]
insurance happening insurance insurance
[1087]
clearly tell me has the octopus
[1088]
insurance confirmation of yeah insurance
[1090]
confirmation key copy either agent or
[1093]
either the person you are getting from
[1095]
you need they will go and send the
[1097]
insurance confirmation to the person you
[1098]
are buying the car to the company from
[1100]
where you're buying the car exactly once
[1101]
they go out and send it there then the
[1103]
insurance the car car guy will call you
[1106]
and they will tell you like we have got
[1108]
the confirmation of insurance
[1109]
oh and take the car monthly that the
[1113]
amount that we pay for the car including
[1115]
the gas is $800
[1118]
so while twice if it will be deducted
[1120]
for the car loan in a month and once for
[1123]
the insurance exactly so they will ask
[1125]
you for the insurance for the loan part
[1128]
that how you want to go ahead and you
[1129]
know to tuck the EMI I do you want to go
[1131]
ahead and do it bi-weekly or you want to
[1133]
keep it monthly
[1134]
I chose by weekly because made a $10 but
[1137]
sedatives may because there's a fees
[1138]
that get attached when you go ahead and
[1139]
do monthly
[1140]
everything is sorted initially her
[1142]
cheese make whole easy problem Ikey her
[1144]
cheese Nova hawala trees the magnetic
[1146]
classically but then everything will be
[1148]
sorted once you get in a flow of it so
[1151]
don't really get panic or worried about
[1153]
the whole situation this come to Canada
[1156]
and you know play along with the whole
[1157]
thing
[1158]
we find don't worry at all but yeah this
[1161]
is the thing if you still have any
[1162]
doubts related to the car the insurance
[1164]
or anything you want to ask you can go
[1167]
ahead and ask us in the comment section
[1169]
and we'll be happy to help you
[1171]
so do share subscribe and like the video
[1173]
and share with your friends and let us
[1176]
know if you liked the video yeah do tell
[1177]
us that in the comment section that
[1179]
appreciate us yeah yeah so let us know
[1183]
if you have any concerns orange and bye
[1185]
bye bye take care
[1191]
you
Most Recent Videos:
You can go back to the homepage right here: Homepage