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Used Vehicle Buying Guide

Used Vehicle Buying Guide

Why so many Quebecers have trusted us for over 25 years

If you have made it to this page, you have probably taken the time to read through a good part of this guide.

You have learned how to choose a vehicle, how to read a Carfax report, how to understand a mechanical inspection, how to avoid the most common pitfalls, and how to protect your investment.

One question remains now.

Why buy your next vehicle at Auto Durocher?

The answer is simple.

Because every day, we apply the very same advice we have just shared with you.

A family business for three generations

The story of Auto Durocher is, above all, a family story.

For over 25 years, our family has been operating in the automotive field with the same vision: to treat every client with honesty, respect, and transparency.

Today, the company is managed by the third generation. Two sisters who are passionate about cars continue this family adventure with the same commitment to offering a different buying experience.

Over the years, we have developed recognized expertise in used vehicles and have supported thousands of clients throughout Quebec.

Our reputation was not built on a single transaction, but on relationships of trust that are often passed down from one generation to the next.

A human approach above all

Buying a vehicle represents a significant investment.

We know that this decision can be stressful.

That is why we have chosen to offer an environment where clients feel listened to, respected, and well-advised.

With us, you are not a number.

We take the time to understand your reality, your budget, your needs, and how you will use your future vehicle before making a recommendation.

Our goal is not to sell the most expensive vehicle.

Our goal is to help you buy the right vehicle.

This philosophy is also reflected in the way we compensate our team.

At Auto Durocher, our representatives are paid a fixed commission, whether they sell a $5,000 vehicle or a $75,000 vehicle.

Why did we choose this approach?

Because we want our representatives to be advisors above all else.

Their compensation remains exactly the same, regardless of the price of the vehicle you choose.

Therefore, they have no financial interest in steering you toward a more expensive vehicle if it does not match your needs or budget.

In the automotive industry, every business chooses its own compensation model. Some use a system based on a percentage of the sale price or profit margin. At Auto Durocher, we made a different choice.

We believe an advisor should recommend the vehicle that genuinely suits their client, not the one that provides the highest commission.

We prefer to see a young family drive away with an $18,000 vehicle perfectly adapted to their needs rather than a $35,000 vehicle that stretches their budget.

We prefer that a student can make their payments without difficulty rather than experiencing financial stress.

We prefer that a retiree maintains some financial breathing room in their budget rather than unnecessarily increasing their monthly payments.

This philosophy is at the heart of every single one of our transactions.

Prices set according to the market, not your bargaining skills

For a long time, buying a vehicle meant having to haggle.

Today, that is no longer our philosophy.

Thanks to our artificial intelligence and market analysis tools, we review our entire inventory every week.

Specifically, we analyze:

  • comparable vehicles sold over the last 45 days;
  • prices posted by our competitors;
  • how long a similar vehicle remains on the market;
  • price drops observed at other dealerships;
  • the demand for each model.

This information allows us to adjust our prices based on market reality.

We prefer to invest our time analyzing the market every week rather than spending all day negotiating prices.

This way, every client gets the best price available, whether they are a great negotiator… or not.

Transparency begins with the Carfax report

When you buy a vehicle, you have the right to know exactly what you are purchasing.

That is why we systematically provide a Carfax report to each of our clients.

We believe a buyer must know the full history of the vehicle before making their decision.

For us, transparency is not a sales strategy.

It is a fundamental value.

An inspection… but above all, completed repairs

Many dealers advertise that their vehicles are inspected.

At Auto Durocher, we believe that this is only the first step.

An inspection serves to identify items that need to be corrected.

But the repairs still need to be done.

We prepare our vehicles to ensure they are safe before putting them up for sale, and we hand over the inspection report to the client.

We prefer to invest in mechanical preparation rather than letting the client discover repairs that need to be made a few weeks after their purchase.

This way of doing things represents a significant investment for our business.

But it allows us to sleep soundly at night.

We know we are selling used vehicles, and we want to have the certainty that they are ready to hit the road.

True financing expertise

Automobile financing has become much more complex than it was a few years ago.

In a large used vehicle center like ours, we deal with extremely varied files every day.

Excellent credit.

First-time purchase.

Self-employed worker.

Newcomer.

Bankruptcy.

Consumer proposal.

Credit rebuilding.

Our finance managers are trained in both traditional financing and specialized credit.

This expertise makes all the difference.

We understand our clients’ realities.

We know the requirements of each financial institution.

And above all, we always look for the best possible solution for your situation.

We never judge a file.

We look for solutions.

No hidden fees

Transparency is part of our values.

The price displayed is the price of the vehicle.

We do not add hidden administrative fees or extra charges because a client requires specialized financing.

The regulations of the Office de la protection du consommateur are very clear regarding price advertising.

And we believe a client has the right to understand exactly what they are paying for.

If you choose to add an extended warranty, an accessory, or a set of tires, each of these amounts will appear clearly on your contract.

A transparent transaction is one where the client understands every single line they sign.

Why our clients recommend us

For over 25 years, a large part of our growth has come from word-of-mouth.

Many families come back to see us for a second, third, and sometimes even fourth vehicle.

What comes up most often in their comments is our human approach, our transparency, our vast selection of used vehicles, our financing expertise, and our way of treating every client like a member of the family.

We know that trust cannot be bought.

It is earned, one transaction at a time.

Why did we write this guide?

The answer is simple.

Because we realized that the majority of problems encountered when buying a vehicle could have been avoided with a little more information.

Buying a vehicle is not something you do every day.

The automotive industry is constantly evolving.

Vehicles change.

Technologies change.

Warranties change.

Financing methods change.

Therefore, we decided to share our experience free of charge to help consumers make an informed decision.

If this guide helps you avoid a mistake, even if you buy your vehicle elsewhere, we will consider our goal achieved.

And if, after reading these pages, you decide to come meet us, we will put into practice the exact same advice we have shared with you throughout this guide.

Because in the end, our greatest pride is not just selling vehicles.

It is building relationships of trust that have lasted for over 25 years.


Chapter 1 – Before you begin your search

Buying a used vehicle is often one of the best financial decisions you can make. However, before visiting a dealership or starting your search on the Internet, it is important to clearly understand your needs, your budget, and the real costs associated with vehicle ownership.

Taking a few minutes to properly plan your purchase will allow you to avoid many mistakes and find a vehicle that will suit you for several years.

Why buy a used vehicle?

The main reason is simple: you avoid the vehicle’s steepest depreciation.

A new vehicle loses a significant portion of its value in the first few years. By purchasing a two- or three-year-old used vehicle, it is generally the first owner who absorbed that loss in value.

You can thus take advantage of a vehicle that is often still very recent, well-equipped, and much more affordable.

The main benefits are:

  • A lower purchase price.
  • Lower monthly or weekly payments.
  • Much slower depreciation.
  • Better value for money.
  • The opportunity to access a better-equipped model for an equivalent budget.

For example, for the same payment, you could choose a high-end used vehicle rather than an entry-level new model.

Is it really more cost-effective than a new vehicle?

In the majority of cases, yes.

The purchase cost is generally much lower and the payments are often more affordable.

However, it is important to look at the total cost of ownership and not just the payment.

A used vehicle will usually require certain maintenance or repairs sooner than a new vehicle.

Eventually, you should budget for expenses such as:

  • tire replacement;
  • brakes;
  • the battery;
  • certain suspension components;
  • manufacturer-recommended maintenance.

This does not mean a used vehicle costs more in the long run, but it is important to plan a maintenance budget to avoid unpleasant surprises.

Our advice: if your budget is very tight, set aside a small amount each month to create a maintenance fund. Even $25 to $50 a month can make a big difference when an unexpected repair comes up.


Chapter 2 – Defining your needs

Before falling in love with a vehicle, take a few minutes to think about your actual needs.

One of the most common mistakes is buying a vehicle simply because it looks good or because it is on sale. However, the right vehicle is the one that adapts to your lifestyle, budget, and daily use.

By answering the following questions, you will have a much easier time choosing the vehicle that will suit you for years to come.

Should you buy an SUV, a car, or a truck?

Before comparing brands, models, or payments, it is essential to answer a very simple question:

What type of vehicle do you actually need?

At Auto Durocher, we regularly see clients arrive with a very specific idea of the vehicle they want to buy… and then completely change their minds after analyzing their needs.

Our role is to help you choose the vehicle that will suit your lifestyle, today and for years to come.

First step: analyze your needs

Before even looking at available vehicles, ask yourself a few questions.

  • How many people travel with you on a daily basis?
  • Do you have children or do you plan to grow your family?
  • Do you do a lot of highway driving?
  • Do you live in the city or in a rural region?
  • Do you often drive in the snow?
  • Do you own a cottage?
  • Do you transport a lot of equipment?
  • Do you need to tow a camper, a trailer, or a boat?
  • How many kilometers do you drive each year?

The answers to these questions will often guide your choice much more effectively than the vehicle’s brand.

Why are SUVs so popular?

At Auto Durocher, SUVs make up by far the largest part of our inventory.

Why?

Because they meet the needs of a huge majority of Quebec drivers.

The advantages of an SUV

  • Raised driving position offering better visibility.
  • Easy access for children and older individuals.
  • A trunk that is much more practical than a car’s.
  • More space for strollers, hockey bags, luggage, or dogs.
  • Excellent versatility.
  • Many models are offered with all-wheel drive (AWD), which is particularly appreciated during Quebec winters.
  • Very good resale value.

Today, you can find SUVs in virtually every price category.

Whether your budget is $20,000, $30,000, or $50,000, there is an SUV that can meet your needs.

Who is an SUV for?

An SUV is often the best choice for:

  • families;
  • outdoor enthusiasts;
  • cottage owners;
  • drivers who do a lot of winter driving;
  • individuals who want a versatile vehicle.

For many consumers today, the SUV represents the best compromise between comfort, safety, space, and resale value.

Why choose a car?

Even though SUVs dominate the market, cars still offer several advantages.

The advantages of a car

  • Generally lower fuel consumption.
  • Often lower purchase price.
  • Sometimes lower maintenance cost.
  • More dynamic driving experience.
  • Easier parking in urban environments.
  • Payments are often more accessible.

For students, young professionals, or people who primarily commute within the city, a car remains a great decision.

Who is a car for?

  • Students.
  • First vehicle.
  • People living alone or as a couple.
  • Drivers looking for the best fuel economy.
  • Buyers with a more limited budget.
  • Fans of sportier driving.

A modern car beautifully meets the needs of many drivers who do not require the extra space of an SUV.

Why choose a truck?

A truck is an exceptional vehicle… when it truly matches your needs.

The advantages of a truck

  • Large towing capacity.
  • Very practical cargo bed.
  • Excellent work capability.
  • All-wheel drive or four-wheel drive available on most models.
  • Often very high resale value.

Who is a truck for?

A truck is particularly recommended for:

  • camper owners;
  • camping enthusiasts;
  • entrepreneurs;
  • construction workers;
  • owners of trailers or boats;
  • people who regularly transport heavy loads.

Do you actually need a truck?

This is an important question.

If you tow a camper only a few times a year, certain SUVs might meet your needs while offering lower fuel consumption and better daily comfort.

The best choice always depends on your actual usage.

Which type of vehicle holds its value best?

As a general rule:

  • SUVs retain their value very well thanks to their high popularity.
  • Trucks also show excellent resale value, especially the most sought-after models.
  • Certain cars, like Japanese compacts, also hold their value very well, especially when they are known for their reliability.

However, the brand, mileage, maintenance, and overall condition of the vehicle remain equally important factors.

Our Auto Durocher advice

Do not choose a vehicle simply because it is popular.

Choose it because it truly meets your needs.

A student commuting mainly in the city won’t have the same expectations as a family of five or an entrepreneur towing a trailer every day.

At Auto Durocher, we always take the time to understand your reality before recommending a vehicle.

Our goal is to find the model that will best suit your lifestyle, your budget, and your projects, so that you are just as satisfied in five years as you are on the day of your purchase.

Front-wheel drive or all-wheel drive (AWD)? What is the best choice in Quebec?

One of the questions we get most often is:

“Do I really need an all-wheel drive (AWD) vehicle, or is a front-wheel drive enough?”

The answer is simple:

It all depends on your reality.

At Auto Durocher, we do not recommend the same vehicle to a client living in Montreal as we do to a family living in the Laurentians who drives on snowy roads every day.

Before choosing between front-wheel drive and an AWD system, you first need to analyze your needs.

The right questions to ask yourself

Before buying your next vehicle, ask yourself:

  • Where do you live?
  • Are the roads you take often snowy or icy?
  • Do you regularly drive on secondary or country roads?
  • Do you have to climb steep hills during the winter?
  • Do you drive a lot of kilometers?
  • Do your children play hockey or practice winter sports that force you to hit the road despite storms?
  • Do you own a cottage or travel frequently to rural regions?

The answers to these questions will guide you much more effectively than the vehicle’s spec sheet alone.

The advantages of front-wheel drive

Front-wheel drive remains an excellent choice for many drivers.

The benefits
  • Generally lower purchase price.
  • Lower fuel consumption.
  • Often less expensive to maintain.
  • Excellent handling with good winter tires.
  • Perfect for city driving.

For a driver living in Montreal, Laval, or another large city where roads are quickly plowed, front-wheel drive often meets their needs perfectly.

The advantages of an AWD vehicle

An all-wheel drive system provides additional safety when conditions become difficult.

The benefits
  • Better traction in snow.
  • Greater confidence when starting on an icy road.
  • More efficient on hills.
  • Highly appreciated on secondary roads.
  • Excellent choice for regions with harsh winters.

This is why SUVs have become so popular in Quebec.

They offer a higher driving position, easier access on board, more space, and, in many cases, highly efficient all-wheel drive.

If your budget allows it…

If your budget permits, we generally recommend an all-wheel drive (AWD) SUV.

Why?

Because in Quebec, we have to deal with:

  • winters that are sometimes very harsh;
  • snow-covered roads;
  • black ice;
  • potholes;
  • country roads;
  • and conditions that change quickly.

For many Quebec families, an AWD SUV provides extra peace of mind, especially when hitting the road early in the morning or late at night.

But AWD does not work miracles

This is probably the biggest myth in the automotive industry.

Many buyers believe that an AWD system will stop them from sliding.

That is false.

The AWD system mainly helps the vehicle accelerate better and maintain traction.

On the other hand, it does not reduce braking distance.

When it comes time to brake, your tires are doing all the work.

That is why a front-wheel drive vehicle equipped with excellent winter tires will often be safer than an AWD SUV with worn or poorly suited tires.

The AWD system is a great tool, but it never replaces:

  • good winter tires;
  • a well-maintained vehicle;
  • and driving adapted to the conditions.

What about fuel consumption?

This aspect must also be taken into account.

As a general rule, an AWD vehicle consumes slightly more fuel than an equivalent front-wheel drive model.

Why?

Because the AWD system adds weight and involves more mechanical components.

The difference is often modest, but it can represent a worthwhile saving for people who drive a lot of kilometers each year.

It is therefore important to evaluate whether the benefits of the AWD system truly match your usage.

So, what to choose?

Front-wheel drive is often sufficient if:

  • you live mostly in the city;
  • roads are quickly plowed;
  • you mostly do short trips;
  • you are looking for the best fuel economy.

An AWD vehicle is generally recommended if:

  • you live in the Laurentians, Lanaudière, Eastern Townships, or any other region with harsher winters;
  • you regularly take secondary roads;
  • you go to the cottage often;
  • you transport your family all over Quebec;
  • your children play hockey or practice winter sports and you must hit the road regardless of the weather;
  • you are looking for extra peace of mind during the cold season.

Our Auto Durocher advice

There is no single right answer.

The best choice is the one that matches your reality.

However, if your budget allows it, we generally recommend an all-wheel drive (AWD) SUV for the majority of Quebec drivers.

It is better suited to our climate, the condition of our roads, potholes, and the winter conditions we experience for several months of the year.

That said, a front-wheel drive vehicle equipped with quality winter tires remains an excellent choice for many drivers, especially those who drive primarily in urban areas.

The important thing isn’t to choose the most expensive vehicle.

It’s to choose the one that truly meets your needs, your budget, and your driving style.

Gas or hybrid vehicle? How to make the right choice?

With the rising price of gas, many consumers are wondering:

Should I buy a gas vehicle or a hybrid vehicle?

The answer is much less simple than you might think.

At Auto Durocher, we believe you shouldn’t choose a vehicle solely based on its fuel consumption.

You need to analyze the total cost of ownership and, above all, your daily usage.

First step: analyze your usage

Before choosing between a gas vehicle and a hybrid vehicle, ask yourself a few questions.

  • How many kilometers do you drive each year?
  • Do you mostly drive in the city or on the highway?
  • How long do you plan to keep your vehicle?
  • Is your budget tight?
  • Are you willing to pay a bit more at purchase to save on gas in the long run?

The answers to these questions will guide your decision much more effectively than the fuel economy numbers advertised by the manufacturer.

The advantages of a gas vehicle

The gas engine remains an excellent choice for many buyers.

The benefits

  • Generally more affordable purchase price.
  • Larger selection on the used market.
  • Maintenance that is well known to mechanics.
  • Purchase cost often lower than that of a hybrid model.
  • Very interesting for people who drive few kilometers each year.

For many drivers, the savings realized at purchase easily offset the difference in fuel consumption.

The advantages of a hybrid vehicle

The main advantage of a hybrid vehicle is obviously its fuel economy.

In city traffic, where stop-and-go driving is frequent, the savings can be very significant.

The benefits

  • Reduced fuel consumption.
  • Quiet driving experience.
  • Excellent choice for city commuting.
  • Reduction in CO₂ emissions.
  • Generally very attractive resale value.

For individuals who drive a lot of kilometers each year, fuel savings can become significant.

Is a hybrid vehicle always more cost-effective?

Not necessarily.

This is probably the biggest mistake we observe.

A hybrid vehicle generally costs more to buy.

If you only drive a few thousand kilometers a year, gas savings could take several years to offset the difference in price.

In some situations, an excellent gas vehicle represents a better financial decision.

City or highway?

How the vehicle is used drastically changes the cost-effectiveness of a hybrid model.

You drive mainly in the city

A hybrid becomes highly attractive.

Frequent slowing down allows the hybrid system to capture energy and considerably reduce fuel consumption.

You drive mainly on the highway

The gap in consumption between a hybrid vehicle and a gas vehicle often becomes much less significant.

In this situation, it is sometimes more advantageous to choose an excellent gas engine.

Think about the total cost of ownership

The purchase price and fuel consumption are only one part of the equation.

Before making your decision, also consider:

  • insurance;
  • maintenance;
  • resale value;
  • financing cost;
  • purchase price;
  • annual mileage.

The vehicle that uses the least gas is not always the one that will cost you the least in the end.

What about batteries?

This is a question many clients ask us.

Modern hybrid vehicle batteries are much more reliable than they were several years ago.

For the majority of owners, they do not represent a source of concern.

Like any mechanical component, they may eventually require replacement, but they are designed to last for many years under normal use.

Choose a gas vehicle if:

  • you drive few kilometers each year;
  • you drive mainly on the highway;
  • you are looking for the best purchase price;
  • you want to maximize your budget.

Choose a hybrid vehicle if:

  • you drive a lot;
  • you mostly commute within the city;
  • you want to reduce your gas consumption;
  • you plan to keep your vehicle for several years.

Our Auto Durocher advice

At Auto Durocher, we do not automatically recommend a hybrid vehicle to all our clients.

We first analyze your actual usage.

For some drivers, a hybrid vehicle will save several hundred dollars a year in fuel.

For others, an excellent gas vehicle will offer better value for money and a lower total cost of ownership.

The goal isn’t to buy the vehicle that consumes the least.

The goal is to buy the one that will actually cost you the least based on how you drive.

That is why we always take the time to evaluate your annual mileage, your driving habits, your budget, and your projects before recommending a vehicle.

The best choice is the one that matches your reality, not necessarily the one that is most popular.

Our advice

Take the time to draw up a list of your needs before you start shopping.

By choosing a vehicle adapted to your lifestyle rather than an emotional impulse, you will increase your chances of being satisfied with your purchase for many years while respecting your budget.


Chapter 3: Determining your budget before you start shopping

This is probably the most important step… and yet, it’s the one many buyers neglect.

At Auto Durocher, we regularly see clients arrive with a specific vehicle in mind, without knowing if it truly fits their budget.

Our advice is simple: determine your budget first, then choose your vehicle.

Too many consumers do the opposite.

The “reverse” transaction

At Auto Durocher, we often prefer what we call a reverse transaction.

Instead of choosing a vehicle first and then checking if the payment fits your budget, we do the exact opposite.

We start by determining:

  • the weekly, bi-weekly, or monthly payment you are comfortable with;
  • the maximum amount you want to spend on your vehicle;
  • the financing term that suits your situation;
  • and then we look for vehicles that actually respect your budget.

This approach avoids disappointment and concentrates your search on vehicles you can truly afford.

Get a pre-approval before you begin your search

Even if you are not yet certain which vehicle you want to buy, it can be highly advantageous to get a financing pre-approval.

This step allows you to know:

  • the maximum amount you could borrow;
  • an estimate of your interest rate based on your credit file;
  • the payment that respects your budget;
  • the vehicles that match your financial capacity.

This way, you shop with much more confidence and avoid unpleasant surprises.

At Auto Durocher, this service is offered free of charge and with no obligation to purchase.

Watch out… 80% of buyers change their minds

According to our experience, about 80% of clients change their initial choice once they arrive at our warehouse.

Why?

Because they often discover a newer, better-equipped, more comfortable vehicle, or one that offers better value for money than what they had seen on the Internet.

This is completely normal.

The important thing is simply not to lose sight of the budget you set for yourself before starting your visits.

The vehicle can change.

Your budget, however, should stay the same.

Don’t forget the real cost of ownership

The car payment is only one part of your budget.

Before buying a vehicle, remember to factor in the expenses related to its use.

For example:

  • insurance;
  • gas or charging costs;
  • winter tires;
  • oil changes;
  • brakes;
  • manufacturer-recommended maintenance;
  • registration;
  • eventual repairs as the vehicle gets older.

A well-maintained vehicle often costs much less in the long run than one whose maintenance is neglected.

Our Auto Durocher advice

The best vehicle isn’t necessarily the most expensive one or the one with the most features.

It’s the one that respects your budget and allows you to maintain a good quality of life.

We always recommend that our clients determine their budget first, then choose a vehicle that will allow them to respect that budget for several years.

A car purchase should be a source of satisfaction, never a source of financial stress.


Chapter 4 – Where to buy a used vehicle?

One of the first decisions to make is choosing where to buy your next vehicle. Each option comes with advantages, disadvantages, and certain risks. There is no single right answer: it all depends on your budget, your needs, and the level of security you are looking for.

Buying from a franchised dealership

A franchised dealership represents a specific brand, such as Mazda, Toyota, Honda, or Ford. In addition to new vehicles, many also offer used vehicles, often certified by the manufacturer.

The advantages

  • Vehicles are often certified by the manufacturer.
  • Mechanical inspection following the brand’s standards.
  • Many vehicles are repaired before being put up for sale.
  • Access to manufacturer warranties on certain recent models.
  • Technicians specifically trained for the brand.
  • Good selection of recent vehicles.

The disadvantages

  • Prices are often higher than at many independent dealerships.
  • Profit margins can be larger.
  • Vehicles from other brands are sometimes fewer in number.
  • Trade-in values might be less advantageous when dealing with another brand.

Financing

The majority of franchised dealerships work with several banks for traditional credit files.

Some also offer specialized financing, but this is generally not their specialty, and many direct these files to external partners.

For whom?

Franchised dealerships are particularly suitable for buyers looking for a recent vehicle from the brand represented and who want to take advantage of manufacturer programs.

Buying from an independent dealership

Independent dealerships specialize in used vehicles from multiple brands.

However, there is a big difference between a small dealer with a few vehicles and a major used vehicle center.

The advantages

  • Large selection of brands and models in one place.
  • Often very competitive prices.
  • Ability to compare multiple vehicles without changing dealerships.
  • Many work with numerous financial institutions.
  • Large centers often offer financing solutions for all types of profiles, including specialized credit.
  • Many have an on-site mechanical shop to provide after-sales service.
  • The best independent dealerships know the rules of the Office de la protection du consommateur very well and apply them rigorously.

The disadvantages

Quality varies enormously from one dealer to another.

Some inspect their vehicles without carrying out the recommended repairs before delivery. It is therefore important to ask for:

  • the inspection report;
  • the Carfax report;
  • the list of completed repairs.

The risks

The risk is generally low when dealing with an established, recognized independent dealership with a good reputation.

Conversely, very small dealers with few vehicles can sometimes offer fewer services after the sale and have fewer resources.

Before buying, always take the time to check Google reviews, verify the dealer’s reputation, and ask all your questions.

Our advice

A large, recognized independent dealership often represents an excellent compromise between price, vehicle selection, services offered, and financing possibilities.

Buying from a private seller

Buying directly from a private seller can save you money, but this option involves more responsibilities for the buyer.

The advantages

  • Price is sometimes lower than at a dealership.
  • Ability to negotiate directly with the owner.
  • Some owners possess all maintenance records.

The disadvantages

  • No financing offered.
  • No mandatory mechanical inspection.
  • No commercial warranty.
  • Administrative steps are entirely your responsibility.
  • The seller does not always know the full history of the vehicle.

The risks

You are buying the vehicle in its current condition.

If a major repair comes up shortly after purchase, legal recourse is generally more limited and may require going to small claims court.

That is why we strongly recommend having the vehicle inspected by an independent mechanic before purchasing.

For whom?

This option can be interesting for people looking for a low-priced vehicle, particularly in the under-$5,000 range, and who are willing to take on more risk.

Buying on Marketplace or Kijiji

Marketplace and Kijiji have become very popular tools for selling used vehicles.

You can find both private sellers and commercial dealers there.

The advantages

  • Very large selection of vehicles.
  • Quick search according to your budget.
  • Ability to communicate directly with the seller.
  • Some vehicles are posted at very attractive prices.

The disadvantages

  • It is sometimes difficult to distinguish a serious seller from a casual one.
  • Descriptions can be incomplete or inaccurate.
  • Many vehicles do not have a Carfax report or mechanical inspection.
  • Financing is rarely available when dealing with a private individual.

The risks

Marketplace and Kijiji are also used by some ill-intentioned people.

Be particularly vigilant if:

  • the price seems much too good to be true;
  • the seller refuses a mechanical inspection;
  • they refuse to provide the vehicle identification number (VIN);
  • they ask for a deposit before the visit;
  • they avoid answering certain questions.

Before concluding a transaction, always demand a test drive, a Carfax report, and an independent mechanical inspection.

Our recommendation

Each solution has its advantages.

If your priority is the lowest possible price and you are willing to take some risks, buying from a private individual can be an option.

If you are looking for peace of mind, a mechanical inspection, a Carfax report, tailored financing, after-sales service, and recourse in case of a problem, buying from a recognized dealership remains generally the safest option.

Regardless of your choice, always take the time to compare vehicles, ask questions, and verify the history before signing.


Chapter 5 – First inspection: what to check even before the test drive?

You have just found a vehicle you like. Before even asking for the keys for a test drive, take a few minutes to do a visual inspection.

This first check can reveal a lot of information about how the vehicle was maintained by its former owner.

Good news: you don’t need to be a mechanic to spot certain important clues.

Walk completely around the vehicle

Take a few minutes to walk slowly around the vehicle.

Observe it from multiple angles and, if possible, in daylight.

Look specifically for:

  • Color differences between panels.
  • Traces of rust.
  • Dents.
  • Major scratches.
  • Misaligned panels.
  • Unusual gaps between doors, the hood, and the trunk.

Small cosmetic defects are normal on a used vehicle, but multiple body repairs warrant a few questions.

Don’t hesitate to ask what was repaired and to check the Carfax report.

Check the tires

Tires represent one of the most important elements for your safety.

Look carefully:

  • Is the wear uniform?
  • Are all four tires the same brand?
  • Do they show cracks?
  • Are they worn on one side only?

Also measure the tread depth.

A tire with a tread depth under 3/32 of an inch is considered at the end of its lifespan and will need to be replaced soon.

Unevenly worn tires can also reveal an alignment, suspension, or steering issue.

Take the opportunity to also ask:

  • Is the vehicle sold with winter tires?
  • Is it sold with two sets of wheels?
  • Is a spare tire present, if the vehicle came equipped with one?

Inspect the windshield

Examine the windshield carefully.

Check for the presence of:

  • chips;
  • cracks;
  • impacts.

Always ask if the chips have been repaired.

A small chip repaired quickly is generally of no consequence, while a major crack can require a full windshield replacement.

Check all electronic equipment

Modern vehicles are equipped with many electronic systems.

Take a few minutes to try them all.

For example:

  • power windows;
  • power mirrors;
  • heated seats;
  • heated steering wheel;
  • touch screen;
  • backup camera;
  • 360° cameras;
  • USB ports;
  • wireless charging;
  • Bluetooth;
  • Apple CarPlay or Android Auto;
  • audio system;
  • steering wheel controls;
  • windshield wipers;
  • automatic headlights.

It is much simpler to note a problem before the purchase than a few days after delivery.

Test the air conditioning… especially in summer

If you are shopping for your vehicle during the hot season, turn on the air conditioning system immediately.

The air should become cold quickly.

Air conditioning that blows lukewarm air can sometimes need a simple recharge, but it can also hide a much larger repair.

In winter, it is unfortunately much more difficult to check its real effectiveness.

Start the engine

Before even leaving for a test drive, start the vehicle.

Pay attention to:

  • how easily it starts;
  • unusual vibrations;
  • abnormal noises;
  • warning lights on the dashboard.

All lights should turn on at startup and then turn off a few seconds later.

If a light stays on, ask why immediately.

Check if both keys are included

This is a detail that many buyers forget to check.

When buying a used vehicle, it is not uncommon for the former owner to hand over only a single key.

This is not necessarily a bad sign, but it is important to know before signing the documents.

Today, smart keys cost much more than they used to. Depending on the vehicle, replacing and programming them can cost several hundred dollars, sometimes even over $1,000.

Always ask:

  • Is the vehicle sold with one or two keys?
  • Do both keys work correctly?
  • Do the remotes unlock the doors properly?
  • Is the emergency key present, if there is one?

If only one key is available, you can budget for the cost of a second key or factor it into your negotiation.

Sit behind the wheel

You will probably spend several hundred hours in your next vehicle.

Take the time to check your comfort.

Adjust:

  • your seat;
  • your steering wheel;
  • your mirrors.

Make sure your driving position feels natural and comfortable.

If you use a child car seat, don’t hesitate to bring it along to make sure it installs easily.

Check seat functionality

Try all available adjustments.

Check specifically:

  • forward and backward movement;
  • backrest recline;
  • height adjustment;
  • lumbar support;
  • power seats;
  • heated seats;
  • ventilated seats, if equipped;
  • seat memory, if applicable.

Take the opportunity to also verify that seatbelts work properly and that headrests are well adjusted.

Pay attention to odors in the cabin

Your sense of smell can sometimes detect a problem before a mechanic even opens the hood.

When you get into the vehicle, take a few seconds to smell the interior.

Be attentive to odors such as:

  • cigarette smoke;
  • humidity or mold;
  • pets;
  • gasoline;
  • coolant;
  • burning smell.

Certain smells disappear after a full cleaning, but others can reveal a water leak, a fluid leak, or neglected maintenance.

If an odor seems abnormal to you, ask questions.

Check the rear seats

Even if you travel alone most of the time, take a moment to sit in the back.

Look at:

  • legroom;
  • headroom;
  • ease of access;
  • child seat anchors;
  • rear USB ports or air vents.

Open the trunk

The trunk is often smaller… or larger… than it appears.

Check:

  • its depth;
  • its width;
  • its height;
  • ease of loading.

If you regularly transport a stroller, hockey bags, suitcases, or work equipment, visualize them in the trunk to make sure the space truly meets your needs.

Fold the seats down

Try the mechanism yourself.

Make sure that:

  • the seats fold down easily;
  • the floor becomes relatively flat;
  • the cargo volume is sufficient for your needs.

This check is particularly important if you often carry bulky objects.

Our Auto Durocher advice

Take your time.

A used vehicle represents a major investment. A few minutes dedicated to a visual inspection can save you from many surprises.

Never be afraid to ask questions. A professional dealership will take the time to answer them, show you available documents, and explain the vehicle’s history.

At Auto Durocher, we always encourage our clients to try out all functions of the vehicle before their purchase. We believe a well-informed client is a satisfied client, and that a successful transaction begins with a meticulous and transparent inspection.


Chapter 6 – How to do a good test drive

The test drive is probably the most important step before buying a used vehicle.

Yet, many buyers spend less than ten minutes behind the wheel before making their decision.

A vehicle can look magnificent, have an excellent Carfax report, and an impeccable mechanical inspection… but if you aren’t comfortable behind the wheel or if a mechanical issue shows up during the drive, you risk regretting it for several years.

Take your time. A good dealership will never put pressure on you.

Test the vehicle in the city and on the highway

A vehicle does not behave the same way depending on where it is driven.

In the city, you can check:

  • the smoothness of the transmission;
  • ease of handling;
  • turning radius;
  • visibility;
  • suspension over bumps;
  • comfort in traffic.

On the highway, you can check:

  • the stability of the vehicle;
  • wind noise;
  • vibrations;
  • behavior at high speeds;
  • acceleration for passing.

A test drive purely in the city or purely on the highway does not give you a complete picture.

If there are two drivers… both of you should drive

If your spouse, partner, or another family member will use the vehicle regularly, it is important that everyone gets to drive it.

We often see couples where only one person does the test drive. A few days later, the other driver realizes that the seat is uncomfortable, the visibility doesn’t suit them, or they don’t feel at ease behind the wheel.

Take a few minutes to swap drivers. You will avoid a lot of disappointments.

Turn off the radio

This is a very simple piece of advice… but very important.

During the test drive, keep the radio off.

This will allow you to hear:

  • suspension noises;
  • a worn wheel bearing;
  • vibrations;
  • creaks;
  • whistling sounds from the wind;
  • engine noises;
  • sounds coming from the transmission.

The music can always be tested before or after the drive.

While driving, focus on the vehicle.

Make a few turns

When traffic permits and it is safe to do so, make a few left and right turns.

You can also make slight changes of direction to check the vehicle’s behavior.

Pay attention to:

  • steering precision;
  • suspension reactions;
  • noises from the front end;
  • clunks;
  • vibrations in the steering wheel.

Obviously, these maneuvers must always be carried out prudently and in compliance with the Highway Safety Code.

Try the brakes

Brakes are an essential element of your safety.

When conditions permit, perform a few progressive brakings.

The vehicle should:

  • brake straight;
  • remain stable;
  • not vibrate;
  • not produce abnormal noises.

If the steering wheel vibrates when braking or if you hear a metallic sound, ask the seller for explanations.

Check acceleration

Accelerate normally, then a bit more firmly when traffic allows.

The engine should respond quickly, without hesitation or vibration.

The transmission should shift gears smoothly.

Try parking

Take advantage of the test drive to perform a few parking maneuvers.

This is the best time to check:

  • the backup camera;
  • parking sensors;
  • visibility;
  • turning radius;
  • ease of maneuvers.

You will quickly see if the vehicle is easy to drive on a daily basis.

Test the driving aids

If the vehicle is equipped with them, take advantage of the drive to try:

  • adaptive cruise control;
  • blind spot monitoring;
  • lane keep assist;
  • 360° camera;
  • front and rear sensors;
  • heads-up display;
  • different driving modes.

These technologies often represent a significant investment. Make sure they function correctly and meet your needs.

Ask questions during the drive

Don’t hesitate to ask the advisor to explain certain features.

For example:

  • How does the multimedia system work?
  • How do you connect your phone?
  • How do you activate Apple CarPlay or Android Auto?
  • How do you use the different driving modes?
  • What maintenance has been done recently?

A good advisor will take pleasure in answering all your questions.

Never make your decision too quickly

After your test drive, take a few minutes to think.

Ask yourself the right questions.

  • Am I comfortable behind the wheel?
  • Do I have good visibility?
  • Does the vehicle meet my needs?
  • Do I see myself driving this vehicle every day for several years?

If a doubt persists, do not hesitate to try a second or a third vehicle before making your decision.

Our Auto Durocher advice

A test drive is not just about making sure the vehicle runs well.

It serves primarily to confirm that this vehicle is the right one for you.

At Auto Durocher, we always encourage our clients to take the time necessary to try the vehicle in different driving conditions. We prefer that a client be completely convinced of their choice rather than regret their decision a few days after delivery.

After all, you may spend several years behind the wheel of this vehicle. A few extra minutes today can save you from many disappointments tomorrow.


Chapter 7: How to read a CARFAX report before buying a used vehicle?

If there is one document you should absolutely check before buying a used vehicle, it is the CARFAX report.

At Auto Durocher, we believe that a well-informed buyer will always make a better decision.

That is why we systematically provide the CARFAX report to our clients, at no extra charge.

Unfortunately, some dealers still charge for it separately or simply do not provide it.

Our opinion is simple:

If a dealer refuses to show you the CARFAX report or tells you they don’t have it, we recommend being very careful.

Transparency should always be part of the buying process.

What is a CARFAX report?

The CARFAX report is a history of the vehicle.

It aggregates various pieces of information coming notably from:

  • insurance companies;
  • participating dealerships;
  • provincial registries;
  • government agencies;
  • and certain financial institutions.

Even if it does not tell the absolute whole story of a vehicle, it remains one of the best tools for knowing its past.

Accidents

This is generally the first section that buyers check.

The CARFAX report can indicate:

  • the date of an accident;
  • the estimated amount of damage;
  • the region where it occurred;
  • certain details about the claim.

This details allow for a better understanding of the vehicle’s history.

Do all accidents appear on CARFAX?

No.

Even though the report is extremely comprehensive, it does not contain absolutely every accident.

For example, if an owner has their vehicle repaired without opening a claim with their insurer, it is possible that this event will never appear on the report.

Fortunately, this type of situation remains relatively rare.

That is why we always recommend having a vehicle inspected by a professional in addition to consulting the CARFAX.

Maintenance

In some cases, the CARFAX report also presents the history of maintenance carried out at a participating dealership or workshop.

You might find, for example:

  • oil changes;
  • recommended maintenance;
  • certain repairs;
  • recalls completed.

However, it is important to know that not all garages and dealerships automatically transmit their information to CARFAX.

The absence of service history in the report does not necessarily mean the vehicle has never been maintained.

Mileage

The CARFAX report also allows you to check different mileage readings recorded over the years.

This information comes notably from:

  • registrations;
  • inspections;
  • certain transactions;
  • and data recorded with the SAAQ.

This section makes it possible to detect anomalies.

For example, if a vehicle showed 150,000 kilometers two years ago and only 110,000 kilometers today, this should immediately raise questions.

At Auto Durocher, we always check the consistency of the mileage before offering a vehicle to our clients.

Liens (financial claims)

Another very important section concerns liens.

What is a lien?

When a vehicle is financed, the financial institution can register a lien against it.

This means the lender holds a right over the vehicle until the loan is fully repaid.

Why is it important?

If this lien is not cleared before the sale, it can lead to legal and administrative complications.

That is why it is essential to ensure that any financial lien is fully settled before delivery.

At Auto Durocher, this verification is an integral part of our process.

Our clients drive away with a vehicle completely free of any liens.

The date of first registration

The CARFAX report also indicates the vehicle’s date of first registration (in-service date).

This information is important since it allows you to know:

  • the true age of the vehicle;
  • the start date of certain manufacturer warranties;
  • and the ownership history.

A vehicle manufactured in 2024 but put into service only several months later will not necessarily have started its warranty on the date of manufacture.

What CARFAX won’t tell you

Even though the CARFAX report is an excellent tool, it never replaces a mechanical inspection.

The report cannot tell you:

  • brake wear;
  • tire condition;
  • suspension condition;
  • vibrations;
  • mechanical noises;
  • or the general quality of the ride.

That is why we always recommend:

  • consulting the CARFAX report;
  • performing a test drive;
  • and having the vehicle inspected when necessary.

The three steps are complementary.

Our Auto Durocher advice

The CARFAX report is an indispensable tool when buying a used vehicle.

It allows you to better understand its history, check mileage, know declared accidents, spot potential liens, and get a wealth of useful information before making a decision.

At Auto Durocher, we believe this information should always be provided to the client free of charge.

That is why we systematically provide the CARFAX report, free of charge and without the client having to ask.

Our goal is simple: to allow you to buy your next vehicle with complete confidence, maximum transparency, and the fewest surprises possible.


Chapter 8 – Should you buy a vehicle that has been in an accident?

This is probably one of the questions we get most often.

Our answer sometimes surprises clients.

Yes, it is entirely possible to buy an excellent vehicle that has already been in an accident.

But you have to take the time to properly analyze it.

Not all accidents are the same.

A high dollar amount doesn’t always mean a major accident

A few years ago, a $5,000 accident already represented a significant repair.

Today, that is no longer necessarily the case.

Modern vehicles are packed with technology.

A simple LED headlight can cost several thousand dollars.

Bumpers now contain radars, parking sensors, cameras, and various driver assistance systems.

Even a relatively minor impact can quickly lead to a claim of several thousand dollars.

It is therefore important not to judge a vehicle solely based on the dollar amount listed on the Carfax report.

Up to around $7,500, there’s no need to panic

In our experience, a vehicle with a claim of approximately $7,500 or less can very well represent an excellent purchase.

Of course, every case is different.

But today, this amount could simply correspond to replacing a bumper, a headlight, a fender, or a few electronic components.

So it’s not necessarily a major accident.

Beyond this amount, simply be more cautious

When the damage is more extensive, we recommend making a few extra checks.

Ask specifically:

  • which parts were replaced;
  • if the airbags deployed;
  • if the work was carried out at a recognized workshop;
  • if the vehicle was inspected after the repairs.

You can also ask your mechanic or an independent workshop to examine the vehicle.

This inspection will allow you to buy with complete confidence.

The price must reflect the history

A vehicle that has previously been in an accident generally has a slightly lower market value than a comparable vehicle with no accidents.

This is completely normal.

When shopping, always compare the price with other similar vehicles.

If a vehicle has an accident history, its price should normally take this reality into account.

It can then represent an excellent opportunity to save several thousand dollars.

Repairs are often of very high quality

Many consumers imagine that an accidented vehicle is automatically poorly repaired.

In the majority of cases, that is not the reality.

Insurance companies generally require that repairs be carried out according to very strict standards.

Body shops use specialized equipment and follow repair methods recommended by the manufacturers.

Obviously, as with any used vehicle, it remains important to check the quality of the repairs.

But a well-repaired vehicle can offer several years of service without any issues.

What is more important than the dollar amount

When we analyze an accidented vehicle, we pay closer attention to:

  • the nature of the impact;
  • the parts replaced;
  • the quality of the repairs;
  • the behavior of the vehicle during the test drive;
  • the mechanical inspection report;
  • the alignment;
  • the absence of noises or vibrations.

These elements are often much more revealing than the claim amount.

Our Auto Durocher advice

Do not automatically reject a vehicle just because it shows an accident on the Carfax report.

Instead, take the time to understand what actually happened.

Analyze the Carfax report.

Ask questions.

Ask for available documents.

Consult the mechanical inspection report.

And if the damage is more significant or you have a doubt, have the vehicle inspected by your trusted mechanic.

A vehicle that has been in an accident can represent an excellent deal… provided its history is transparent, repairs were carried out correctly, and its price reflects this reality.


Chapter 9: Always ask to see the mechanical inspection report

When buying a used vehicle, many consumers think immediately about the price, the payment, or the CARFAX report.

Yet, there is a document that is just as important:

The mechanical inspection report.

Before signing a contract, always ask to consult this document.

If it is not available, we strongly recommend having the vehicle inspected by an independent mechanic before finalizing your purchase.

An inspection can save you from very bad surprises.

Why is the inspection so important?

A mechanical inspection checks several essential components of the vehicle, notably:

  • brakes;
  • tires;
  • suspension;
  • steering;
  • leaks;
  • the exhaust;
  • safety components;
  • the general condition of the vehicle.

It identifies the repairs that must be carried out to ensure safe driving.

An inspection does not guarantee that repairs have been made

This is a point that many buyers are unaware of.

In the automotive industry, there are different ways to prepare a vehicle before its sale.

Some dealers inspect the vehicle and carry out necessary repairs before putting it up for sale.

Others also inspect the vehicle, but certain repairs might be proposed separately at the time of the transaction or remain the responsibility of the future owner, depending on the terms of sale.

That is why it is important to ask the right questions.

Always ask:

  • Have the recommended repairs been completed?
  • Can I consult the inspection report?
  • What exactly does the advertised price cover?

These few questions can save you from many surprises.

Why do some vehicles seem cheaper?

When you compare several similar vehicles, it is normal to notice price differences.

Before concluding that a vehicle is a better deal, make sure you are comparing equivalent elements.

For example:

  • Are the brakes new?
  • Are the tires in good condition?
  • Has maintenance been done?
  • Are recommended repairs included in the price?

A vehicle posted at a very low price can end up costing more if multiple major repairs must be done after purchase or added at the time of the transaction.

The purchase price is therefore not always the best indicator of a vehicle’s true value.

Our way of doing things at Auto Durocher

At Auto Durocher, every vehicle is inspected before being put up for sale.

When repairs are required so that the vehicle meets our standards of quality and safety, they are completed before delivery.

We also hand over the mechanical inspection report to our clients so they can know the work performed and the general condition of the vehicle.

We believe transparency is essential when buying a used vehicle.

Our Auto Durocher advice

Never stop solely at the advertised price.

Before buying a used vehicle, always make sure you know:

  • its history (CARFAX);
  • its mechanical condition;
  • the repairs that have been completed;
  • and those that might be required in the short or medium term.

A slightly more expensive vehicle, but fully inspected, repaired, and ready to hit the road often represents a much better investment than a vehicle posted at a very low price that will quickly require several thousand dollars in repairs.

At Auto Durocher, we believe that a used vehicle should be sold with maximum transparency. That is why we provide our clients with the mechanical inspection report, prepare our vehicles before delivery, and display a fair price right from the start, so you can buy with total confidence.


Chapter 10 – The 25 questions to ask before buying a used vehicle

You have found the vehicle you like.

The price suits you, the test drive is conclusive, the Carfax report is satisfactory, and the mechanical inspection seems thorough.

Before signing the documents, take a few minutes to ask the right questions.

A professional dealer will answer each of them transparently.

These questions will allow you not only to learn more about the vehicle, but also to evaluate the reliability of the dealer you are doing business with.

1. Why is this vehicle for sale?

This question sometimes allows you to get interesting details about the history of the vehicle.

For example, it could be:

  • a lease return;
  • a vehicle traded in for a newer model;
  • a change in family situation;
  • a change in work vehicle.

The answer is not always known, but when it is, it can be very useful.

2. How long has the vehicle been in inventory?

A recently arrived vehicle is not the same thing as a vehicle that has been in inventory for several months.

Don’t hesitate to ask why.

3. Has the vehicle been inspected?

A mechanical inspection is essential.

Always ask to consult the report.

4. Have all the repairs recommended by the inspection been completed?

This is an extremely important question.

Some dealers inspect vehicles but do not carry out all the repairs before the sale.

Make sure you know exactly what was repaired and what wasn’t.

5. Can I have the vehicle inspected by my own mechanic?

A transparent dealer will generally have no problem accepting an independent inspection.

If the dealer refuses without a valid reason, ask yourself questions.

6. Can I consult the Carfax report?

The Carfax report is one of the most important documents when buying a used vehicle.

Take the time to read it before signing.

7. Has the vehicle ever been in an accident?

Not all accidents have the same importance.

Ask about:

  • the nature of the damage;
  • the cost of the repairs;
  • if the repairs have been completed.

8. Has the vehicle ever been used for commercial purposes?

A commercial vehicle is not necessarily a bad purchase.

However, it is preferable to know its previous use.

9. How many owners has it had?

The number of owners sometimes helps to better understand the history of the vehicle.

10. Is maintenance up to date?

Ask if the primary maintenance recommended by the manufacturer has been carried out.

11. Are the brakes in good condition?

Brakes represent a significant expense.

Ask about their current condition and if work has recently been done.

12. What is the condition of the tires?

Ask about:

  • the remaining depth;
  • if they will need to be replaced soon;
  • their approximate age.

13. Are winter tires included?

If they are, check their condition as well.

Two sets of tires often represent attractive value.

14. How many keys are included?

It is common for a used vehicle to be sold with only a single key.

Since smart keys can cost several hundred dollars, it is important to know this before purchasing.

15. Is there any manufacturer warranty remaining?

On certain recent vehicles, a portion of the original warranty is still in effect.

Ask for the details.

16. Is an extended warranty available?

With no obligation to buy, it can be interesting to know the protections offered.

17. What work was done before it was put up for sale?

A good dealer will be able to explain the work completed during reconditioning.

18. Does all equipment work?

Before delivery, make sure all electronic equipment has been checked.

19. Does the vehicle have both sets of mats, its cargo cover, or its original accessories?

Depending on the model, certain accessories represent significant value.

20. Have all manufacturer recalls been completed?

Recalls are generally carried out free of charge by the manufacturer.

It is good to check that the vehicle is up to date.

21. What fees are to be expected in addition to the advertised price?

Always ask for a full breakdown of the transaction before signing.

The seller should be able to clearly explain all the amounts that will appear on your contract.

You will thus avoid unpleasant surprises and can compare offers from different dealerships on an equitable basis.

22. Does the advertised price genuinely include all fees?

This is a question that very few buyers ask… yet, it can save you several hundred dollars.

In Quebec, when a dealer advertises the price of a used vehicle, this price must generally include all fees they require to sell the vehicle, with the exception of applicable taxes and registration fees.

Be particularly vigilant if, at the time of signing, someone attempts to add mandatory fees such as:

  • preparation fees;
  • administration fees;
  • inspection fees;
  • in-service fees;
  • or any other fee that was not included in the advertised price.

If these fees are mandatory and they were not included in the displayed price, demand an explanation. You have the right to understand exactly what you are paying for.

At Auto Durocher, we believe transparency is essential. The price displayed on the window sticker is the price of the vehicle. We do not add preparation fees, administrative fees, or other hidden fees at the time of signing. Only applicable taxes and government fees are added to your transaction.

23. Can I do a second test drive?

If you are hesitating between two vehicles, a second test can help you make a more informed decision.

A dealer who has confidence in their vehicles will generally accept this request.

24. What is the approximate cost of upcoming maintenance?

Ask what will need to be done in the coming months to better plan your budget.

For example:

  • brakes;
  • tires;
  • fluid changes;
  • the battery;
  • manufacturer-recommended maintenance.

You will thus have a better idea of the true cost of ownership of your future vehicle.

25. Why should I choose this vehicle over another?

This last question is often the most revealing.

A good advisor will not simply seek to sell a vehicle.

They will take the time to explain why this model meets your needs, your budget, and your daily use. In some cases, they will even recommend another vehicle better suited to your situation.

This is often what distinguishes a simple salesman from a true automotive advisor.

Our Auto Durocher advice

Never be afraid to ask questions.

Buying a vehicle represents one of the most important investments of your life after a house. You therefore have the right to get clear, honest, and complete answers.

At Auto Durocher, we believe that a well-informed client always makes a better decision. That is why we answer all your questions with pleasure, hand over important documents, explain each stage of the transaction, and take the time necessary so that you leave with full confidence.

Our goal is not just to sell a vehicle. We want you to be just as satisfied with your purchase in five years as you are on the day you take possession of it.


Chapter 11 – Can you still negotiate the price of a used vehicle?

For many years, buying a vehicle meant almost automatically… negotiating.

You had to compare multiple dealerships, make offers, leave the salesperson’s office, wait for a callback, and try to get a few hundred, or even a few thousand dollars off.

Today, the market has changed a lot.

With the Internet, consumers can compare hundreds of vehicles across Quebec in a matter of minutes.

This new reality has completely transformed the way dealers establish their prices.

The Internet has changed the way vehicles are sold

Before the Internet, a dealer could display a vehicle at a higher price and count on negotiation to close the sale.

Today, buyers consult specialized sites before even moving.

In a few clicks, they can compare:

  • the price;
  • the mileage;
  • the year;
  • the equipment;
  • the distance;
  • the dealer reviews.

If a vehicle is posted way too high, it runs the risk of simply never being looked at.

Dealers must therefore be very competitive right from the moment their vehicles go online.

Why large centers negotiate less than before

Large used vehicle dealerships often sell a high volume of vehicles each month.

To remain competitive, they continually analyze the market to position each of their vehicles at the right price.

The price is adjusted based on several factors, notably:

  • comparable vehicles available;
  • the mileage;
  • the equipment;
  • the general condition;
  • current demand;
  • time spent in inventory.

When a vehicle is already posted at the best price possible, the margin for negotiation becomes much more limited than it was a few years ago.

At Auto Durocher, why did we choose fixed prices?

At Auto Durocher, we have made the choice to display our best price right from the start.

Why?

Because we believe that all clients deserve to be treated fairly.

Thanks to our artificial intelligence and market analysis tools, we are now capable of tracking the evolution of the automotive market with impressive precision.

Every week, we specifically analyze:

  • comparable vehicles that have sold over the last 45 days;
  • the speed at which each model sells;
  • the average time a similar vehicle remains in inventory;
  • the positioning of our prices relative to those of our competitors;
  • price drops implemented on the market;
  • supply and demand in real time.

Every week, our team goes through our entire inventory with a fine-tooth comb, vehicle by vehicle.

If the market moves, we adjust our prices so they reflect market reality. When a price drop is necessary to remain competitive, we make it quickly.

Our goal is not to be the cheapest dealer at all costs, but to offer the best value for money based on the vehicle’s condition, history, equipment, and real market value.

We prefer to invest our time analyzing the market every week rather than spending all day negotiating prices. This way, every client benefits from the best price available, whether they are an excellent negotiator… or not.

This approach has several advantages.

You don’t have to wonder:

  • if the previous client paid less;
  • if you should have negotiated more;
  • if you got a worse price because you don’t like to negotiate.

Every client benefits from the same transparency, the same respect, and the same best price available at the time of their purchase.

Does that mean there is never any negotiation?

Not necessarily.

Every dealer has their own policy.

In many large used vehicle centers, the margin for negotiation on the price is much smaller today than it used to be.

On the other hand, it is sometimes possible to discuss other elements of the transaction, for example:

  • an extended warranty;
  • floor liners;
  • winter tires;
  • a remote starter;
  • certain accessories;
  • aesthetic protection.

Every situation is different.

Should you always ask for a better price?

There is no harm in asking the question.

However, it is important to understand that if a vehicle is already listed among the best prices in the market, the dealer often has very little room to maneuver.

Before negotiating, always compare the vehicle with other similar models.

A slightly more expensive vehicle can represent a better deal if it offers:

  • a better history;
  • a complete inspection;
  • repairs already completed;
  • tires in better condition;
  • remaining warranty;
  • a higher equipment level.

The advertised price never tells the whole story.

Why don’t two identical vehicles have the same price?

It is common to see two vehicles that seem identical posted at different prices.

Yet, several elements influence their real value:

  • the number of owners;
  • accidents declared on Carfax;
  • maintenance history;
  • body condition;
  • tire wear;
  • brake condition;
  • features;
  • the color;
  • remaining warranty;
  • the popularity of the model;
  • supply and demand.

That is why it is important to compare the entire vehicle and not just its price.

The best purchase is not always the cheapest vehicle.

It is often the one that will cost you the least in the long run.

Our Auto Durocher advice

The used vehicle market has evolved enormously with the Internet.

Today, dealers who wish to attract buyers must display competitive prices as soon as their vehicles go online.

At Auto Durocher, we have chosen a simple approach: offer our best price immediately, without pressure and without negotiation games.

We prefer to dedicate our time to analyzing the market, preparing our vehicles according to high standards, answering your questions, and guiding you through your purchase rather than spending hours negotiating.

In our view, a successful transaction is one where the client drives away convinced they have obtained a quality vehicle, at a fair price, in a climate of confidence, transparency, and respect.


Chapter 12: Is it better to pay cash or finance your vehicle?

Once your budget is determined, another important question arises:

Is it better to pay cash for your vehicle or finance it?

Contrary to what many think, there is no single right answer.

The best decision depends on your financial situation, your goals, and your budget.

At Auto Durocher, we analyze each situation individually to recommend the most advantageous solution for our clients.

Buying cash

Payer cash for your vehicle means you become the owner immediately.

The advantages

  • No monthly payments.
  • No interest to pay.
  • The vehicle belongs to you immediately.
  • Peace of mind for many buyers.

This option is particularly interesting for individuals who have substantial savings and want to avoid any financing.

The disadvantages

The main disadvantage is that you tie up a significant amount of money.

For example, if you use $30,000 or $40,000 of your savings to buy a vehicle, that money will no longer be available for:

  • an emergency fund;
  • renovations;
  • an investment;
  • vacations;
  • or any other unforeseen expense.

It must also be remembered that a vehicle is an asset that loses value over time.

Financing a vehicle

Financing allows the cost of the vehicle to be spread over several years.

The advantages

The main advantage is preserving your liquidity.

You can keep your money available while enjoying your new vehicle immediately.

Financing also allows you:

  • to buy a newer vehicle;
  • to reduce your weekly or monthly payment;
  • to maintain your emergency fund;
  • to better manage your budget.

In many cases, a newer vehicle will also require fewer major repairs than an older vehicle.

The disadvantages

The main disadvantage is the cost of interest.

The longer the term, the more the total cost of financing increases.

That is why it is important to choose a term adapted to your situation rather than automatically selecting the longest financing term.

What we recommend at Auto Durocher

We believe it is important not to look only at the cost of interest.

You must also consider:

  • your monthly budget;
  • your financial stability;
  • your savings;
  • your future projects;
  • vehicle maintenance costs;
  • your peace of mind.

We often prefer to see a client maintain a good emergency fund rather than completely empty their bank account to avoid interest.

Every case is different.

Financing is not a prison

A question that comes up often:

“If I finance over 84 or 96 months, am I obligated to keep my loan for that entire period?”

The answer is no.

The majority of car loans are open loans.

This means you can generally:

  • make additional payments;
  • repay a portion of the principal;
  • or fully pay off your loan before maturity,

without penalty, according to the conditions of your contract.

You can thus enjoy a more comfortable payment while maintaining the ability to pay off your vehicle faster if your financial situation evolves.

You don’t know your borrowing capacity?

This is a very frequent situation.

At Auto Durocher, we offer a free personalized evaluation of your borrowing capacity.

In a few minutes, our team can help you find out:

  • the maximum amount you could borrow;
  • your ideal payment per week, bi-weekly, or per month;
  • an estimate of your interest rate based on your file;
  • the financing term best suited to your budget;
  • the vehicles that truly correspond to your financial situation.

This service is entirely free and under no obligation to purchase.

Our Auto Durocher advice

The best choice isn’t necessarily paying cash or financing.

The best choice is the one that allows you to buy a reliable vehicle while maintaining a healthy financial situation.

We believe that a vehicle should be a source of freedom, and not a source of financial stress.

Before making your decision, take the time to evaluate your overall budget, your goals, and your ability to face unexpected events. You will thus be able to choose the solution that will truly suit you, today and for years to come.


Chapter 13: What financing term should you choose? 60, 72, 84, or 96 months

After determining your budget and deciding whether you want to pay cash or finance your vehicle, one important decision remains:

What financing term should you choose?

At Auto Durocher, this is a question that comes up every day.

Many buyers automatically think that they must choose the shortest term possible to pay the least interest.

In theory, that is true.

In practice, reality is often different.

We believe that good financing is first and foremost financing that respects your budget and allows you to maintain a good quality of life.

The biggest mistake: looking only at interest

Yes, financing over 60 months will generally cost less in interest than financing over 84 or 96 months.

But that is not the only element to consider.

If your payment is too high, you risk:

  • exceeding your budget;
  • lacking breathing room for unexpected events;
  • postponing certain maintenance;
  • or experiencing unnecessary financial stress.

A vehicle must adapt to your budget, and not the other way around.

Financing over 60 months

Financing over 60 months is often considered the ideal scenario.

The advantages

  • You pay less interest.
  • You pay off your vehicle faster.
  • You build equity faster.
  • You become the owner sooner.

The disadvantages

  • Payments are much higher.
  • Your choice of vehicles may be more limited.
  • You might have to buy an older vehicle to stay within budget.

Who is it for?

For individuals who have a comfortable income and want to minimize the interest paid.

Financing over 72 months

The 72-month term often represents an excellent compromise.

The advantages

  • More affordable payments than over 60 months.
  • Total cost is still reasonable.
  • Often allows access to a newer vehicle.

The disadvantages

  • You will pay more interest than with 60-month financing.

Who is it for?

For buyers looking for a good balance between the monthly payment and the total cost of financing.

Financing over 84 months

At Auto Durocher, this is one of the most popular terms.

Why?

Because it often allows for the purchase of a newer, more reliable, and better-equipped vehicle while keeping a comfortable payment.

The advantages

  • More accessible payments.
  • Access to newer vehicles.
  • More flexibility in your budget.
  • Fewer risks of major repairs compared to an older vehicle.

The disadvantages

  • The total cost of financing is higher.
  • It is important to choose a vehicle that holds its value well.

Our opinion

We often prefer to see a client buy a newer, low-mileage, reliable vehicle over 84 months rather than a much older vehicle that risks requiring several thousand dollars in repairs.

Financing over 96 months

Financing over 96 months often sparks several questions.

Can any vehicle be financed over 96 months?

No.

This option is generally reserved for recent vehicles that meet the criteria of financial institutions.

The year of the vehicle, its mileage, its market value, and your credit file will influence approval.

The advantages

  • Lowest payments.
  • Greater budgetary flexibility.
  • Ability to buy a newer and better-equipped vehicle.

The disadvantages

  • Higher total cost of financing.
  • Commitment over a longer period.

Our opinion

Financing over 96 months is not a bad decision when used intelligently.

For example, if a few extra dollars a week allows you to move from an 8-year-old vehicle to a 2- or 3-year-old vehicle, with much lower mileage and still partially covered by the manufacturer’s warranty, this option can be highly advantageous.

Remember: your loan is generally open

Many buyers believe that financing over 84 or 96 months forces them to keep their loan until the very end.

This is generally not the case.

The majority of car loans are open loans.

This means you can usually:

  • make additional payments;
  • repay a portion of the principal;
  • or fully pay off your loan before maturity,

without penalty, according to the conditions of your contract.

You thus benefit from a lower payment while maintaining the ability to reduce the actual duration of your financing if your financial situation improves.

Think about the total cost of ownership

The car payment is only one part of your budget.

Before choosing your financing term, also think about:

  • insurance;
  • gas;
  • winter tires;
  • oil changes;
  • brakes;
  • recommended maintenance;
  • eventual repairs.

In many cases, a newer vehicle financed over a longer period will cost less in the long run than an older vehicle purchased with shorter financing, simply because it will require fewer repairs.

Our Auto Durocher advice

There is no perfect term.

The best financing is the one that allows you:

  • to buy a reliable vehicle;
  • to respect your budget;
  • to maintain an emergency fund;
  • and to drive with peace of mind.

At Auto Durocher, we don’t just look to get an approval.

We take the time to analyze your budget, your goals, and your financial situation to recommend the financing term that will truly suit you.

If you do not yet know your borrowing capacity or the payment that would respect your budget, our team can perform a free personalized evaluation of your file.

You will find out:

  • your maximum loan amount;
  • your ideal payment per week, bi-weekly, or per month;
  • an estimate of your interest rate;
  • as well as the vehicles that truly correspond to your budget.

Our goal is simple: help you choose financing that will allow you to enjoy your vehicle without compromising your financial health.


Chapter 14: I am having credit difficulties. What is the best way to buy a vehicle?

Receiving a financing refusal or experiencing a difficult financial situation does not mean you will have to keep your current vehicle for years.

Every week, we meet clients who have gone through:

  • a bankruptcy;
  • a consumer proposal;
  • late payments;
  • a separation;
  • a job loss;
  • or simply a less favorable credit history.

The good news is that solutions often exist.

But you still need to know how to proceed.

First mistake: choosing your vehicle before knowing your options

This is probably the most common mistake.

Many people spend hours looking for a vehicle on the Internet before even knowing:

  • if they will be approved;
  • how much they can borrow;
  • what payment will respect their budget.

When financing is more complex, doing things this way often leads to disappointment.

Our approach: the “reverse” transaction

At Auto Durocher, we prefer what we call a reverse transaction.

Instead of choosing a vehicle first, we start by analyzing your situation.

We determine:

  • your borrowing capacity;
  • your budget;
  • your ideal payment;
  • the financial institutions likely to approve your file.

Once this stage is completed, we propose the vehicles that truly correspond to your situation.

This approach saves you time and increases your chances of obtaining financing tailored to your needs.

Not all dealerships work the same way

Many dealers primarily handle traditional credit files.

When a file presents specific challenges, they sometimes have less experience or less access to specialized programs offered by certain financial institutions.

At Auto Durocher, specialized financing has been part of our expertise for several years.

We work daily with clients having different financial profiles and we adapt our recommendations to each situation.

Why is it important to consult a specialist?

In a more complex credit file, the way a application is presented can make a real difference.

Each financial institution has its own criteria.

Some will be more comfortable with:

  • a bankruptcy;
  • a consumer proposal;
  • a self-employed worker;
  • a new job;
  • a newcomer;
  • or a limited credit history.

The goal is therefore not to send your application everywhere, but rather to present it to the most appropriate institution right from the start.

Can you rebuild your credit through car financing?

Yes.

In many situations, well-structured car financing can contribute to progressively improving your credit file.

Provided, of course, that payments are made on time.

A history of regular payments demonstrates to financial institutions that you manage your obligations well.

Over time, this can allow you:

  • to improve your credit score;
  • to obtain better interest rates;
  • and to regain access to traditional financing programs.

For many clients, the vehicle thus becomes a tool to rebuild their credit.

How long does it take to rebuild your credit?

Every situation is different.

However, with payments made on time and good management of your other financial obligations, many clients notice a significant improvement in their file after a period of 18 to 36 months.

The important thing is to choose a payment that you can respect easily.

If your credit is difficult, do not choose your vehicle first

We always recommend proceeding in this order:

  1. Have your situation analyzed.
  2. Determine your budget.
  3. Know your borrowing capacity.
  4. Identify the most appropriate financial institutions.
  5. Choose the vehicle next.

This method generally increases your chances of obtaining financing tailored to your situation.

Our Auto Durocher advice

Having a more difficult credit file should never prevent you from getting professional advice.

At Auto Durocher, we regularly guide clients from the North Shore, Laval, Montreal, the Laurentians, and several other regions of Quebec who wish to regain financial stability while buying a reliable vehicle.

Our goal is not only to obtain an approval.

We want to help you choose a vehicle adapted to your budget and implement a strategy that can allow you to rebuild your credit over time.

Every file is different.

That is why we always take the time to listen to your situation, analyze your needs, and propose the most adapted solution, with respect to your financial reality.


Chapter 15 – Warranties: which ones are truly important?

When you buy a used vehicle, you will often hear about several types of warranties.

  • The legal warranty.
  • The good working order warranty.
  • The dealer warranty.
  • The manufacturer warranty.
  • The extended warranty.

It is normal to get confused.

Yet, properly understanding these protections can save you several thousand dollars in repairs… or avoid paying for protection you might not need.

Let’s look together at the primary warranties offered in Quebec.

The legal warranty from the Consumer Protection Act (CPA)

Contrary to what many think, a used vehicle sold by a dealer is never sold “without a warranty.”

In Quebec, the Consumer Protection Act automatically protects buyers.

This warranty applies even if it is not written into the sales contract.

In short, the vehicle must:

  • be able to serve the use for which it is intended;
  • have a reasonable lifespan given its age, mileage, and the price paid;
  • be free of hidden defects;
  • correspond to what was presented to you at the time of sale.

This protection is provided by law, and no dealer can absolve themselves of it simply by writing “sold as is” on a contract when the Consumer Protection Act applies.

The good working order warranty

In addition to the legal warranty, several used vehicles sold by a dealer also benefit from a good working order warranty, provided under the Consumer Protection Act.

This warranty is determined according to the age and mileage of the vehicle at the time of sale.

Category Vehicle Good working order warranty
A 4 years or less and 80,000 km or less 6 months or 10,000 km
B 5 years or less and 100,000 km or less 3 months or 5,000 km
C 7 years or less and 120,000 km or less 1 month or 1,700 km
D Over 7 years or over 120,000 km No good working order warranty

This warranty covers several important components of the vehicle during the period provided by law.

It is different from the legal warranty, which continues to protect the buyer even when the good working order warranty has ended.

An obligation of the dealer

Few consumers are aware of this obligation.

When a vehicle is eligible for a good working order warranty, the dealer must obligatorily inform the client of the applicable category.

In compliance with articles 37 and 38 of the Consumer Protection Act, the dealership must provide the client with a document indicating the applicable category of warranty and have this document signed at the time of the transaction.

Before buying a vehicle, make sure you:

  • know the applicable category of warranty;
  • receive the document required by law;
  • understand the duration of this warranty;
  • know exactly what is covered.

A professional dealership will always take the time to explain these protections to you.

The warranty offered by the dealer

In addition to the protections provided under the Consumer Protection Act, some dealers offer additional warranties.

In the majority of large used vehicle centers, the protections provided by the Consumer Protection Act are fully respected.

Some dealerships choose to also offer extra protections depending on the vehicle sold.

Before buying, always ask the following questions:

  • What warranty is included?
  • How long does it last?
  • What components are covered?
  • Is there a deductible?
  • Where can repairs be carried out?

The better you understand your warranty, the fewer surprises you will have if a repair becomes necessary.

The manufacturer warranty

When you buy a relatively recent vehicle, it is possible that a part of the manufacturer warranty is still in effect.

Many consumers are unaware of this possibility.

With the help of the vehicle’s date of first registration — which your advisor can generally find thanks to the Carfax report — it is possible to check if a portion of the manufacturer’s warranty is still valid.

This warranty is often transferable to the new owner at no cost.

It therefore represents a very interesting advantage since it is recognized across the manufacturer’s network throughout Canada.

Never hesitate to ask your representative to verify this information before your purchase.

The extended warranty

The extended warranty is an optional protection that generally takes over when the manufacturer’s warranty has ended.

Depending on the plan chosen, it can cover several important components of the vehicle, notably:

  • the engine;
  • the transmission;
  • the air conditioning system;
  • the steering;
  • the suspension;
  • electronic systems;
  • multimedia screens;
  • driver assistance systems;
  • several other mechanical components.

Every warranty is different.

Always take the time to read the exclusions and understand exactly what is covered.

Is an extended warranty really worth it?

This is probably one of the questions we are asked most often.

The answer depends on several factors.

Notably:

  • the age of the vehicle;
  • its mileage;
  • its reputation for reliability;
  • the number of years you plan to keep it;
  • your financial capacity to absorb a major repair.

Modern vehicles are much more reliable than they used to be.

On the other hand, they are also much more complex.

Today, a multimedia screen, an electronic module, a camera, a radar, or a driver assistance system can cost several thousand dollars to replace.

If you are financially disciplined and put money aside each month to handle repairs, an extended warranty might not be essential.

On the other hand, if an unexpected repair of $3,000, $5,000, or even more would put your budget in difficulty, an extended warranty can provide you with very appreciable peace of mind.

In our opinion, you shouldn’t think of an extended warranty as an expense.

You should see it as insurance against the unexpected.

Our Auto Durocher advice

At Auto Durocher, we do not automatically recommend an extended warranty to all our clients.

We first analyze your situation.

If you are buying a recent vehicle, recognized for its reliability, that you plan to keep for a short time, or if you already have an emergency fund for repairs, an extra warranty is not always necessary.

Conversely, if you want to keep your vehicle for several years or prefer to protect your budget against unexpected repairs, an extended warranty can represent an excellent investment.

Our role isn’t to sell you a warranty at all costs.

Our role is to clearly explain the different protections available, to inform you about your rights provided under the Consumer Protection Act, and to help you choose the solution that best matches your needs.

Because in the end, the best warranty is the one that allows you to drive your vehicle with total confidence and total peace of mind.


Chapter 16 – Protection products: which ones are truly worth it?

Buying a vehicle often comes with several protection products proposed by the dealer.

Some are very useful.

Others are much less so, depending on your situation.

There is no single choice. The right decision depends mainly on your budget, the type of vehicle you are buying, and the number of years you plan to keep it.

Here is our opinion, based on thousands of vehicles sold over the years.

1. Mechanical protection (extended warranty)

Our recommendation: ⭐⭐⭐⭐⭐ (Choice number 1)

If there is a single product we recommend when buying a used vehicle, this is it.

Why?

Because today, vehicles are much more reliable… but also much more complex.

A simple multimedia screen, an electronic module, a camera, a driver assistance system, or a transmission can represent repairs costing several thousand dollars.

If your budget is limited, ask yourself just one question:

If a repair of $4,000, $5,000, or even $8,000 occurred tomorrow, would I be capable of paying it without putting my finances in difficulty?

If the answer is no, an extended warranty seriously deserves your attention.

One of its great advantages is that it can generally be rolled into the financing.

In many cases, it represents only a few extra dollars a week, but this protection can save you from a very bad surprise.

For this reason, it is the product we recommend most often at Auto Durocher.

2. Rust proofing

Our recommendation: ⭐⭐⭐⭐

Quebec is recognized for its harsh winters, the road salt used on highways, and significant temperature variations.

All these elements accelerate corrosion.

Rust proofing is particularly interesting if:

  • your vehicle is currently free of rust;
  • you plan to keep it for several years;
  • you want to protect its resale value.

On the other hand, if you are buying a very recent vehicle, recognized for resisting corrosion well, and you plan to replace it in two or three years, its utility is less obvious.

Today, treatments have evolved a lot.

You can find notably:

  • permanent treatments;
  • transparent products;
  • biodegradable treatments;
  • products that no longer drip on your driveway;
  • treatments that no longer turn your vehicle completely black all winter long.

The important thing is to choose a recognized product and respect the manufacturer’s recommendations.

3. Fabric protection

Our recommendation: ⭐⭐⭐

This product can be very interesting…

…but not for everyone.

We recommend it primarily if:

  • you have young children;
  • you often transport pets;
  • you regularly eat in your vehicle;
  • you want to preserve the interior appearance for several years.

Current treatments facilitate cleaning spilled liquids and limit permanent stains.

If you are very careful and travel alone most of the time, this protection is less essential.

4. Leather protection

Our recommendation: ⭐⭐⭐

Leather remains a beautiful material…

…provided it is maintained.

Protections for leather notably help limit:

  • drying out;
  • cracking;
  • fading;
  • premature wear.

They are particularly interesting if your vehicle parked outside or is often exposed to the sun.

Just like fabric protection, it all depends on your use.

5. Paint protection film (PPF)

Our recommendation: ⭐⭐⭐⭐

Paint protection film is one of the best ways to protect a vehicle’s paint.

We recommend it primarily:

  • on a new vehicle;
  • on a very recent used vehicle;
  • on a high-end vehicle;
  • when you wish to keep your vehicle for several years.

With Quebec roads, abrasives, gravel, and numerous roadworks, stone chips are practically inevitable.

The bumper, hood, fenders, and mirrors are particularly exposed.

It is an investment, but it can contribute to preserving the vehicle’s appearance for a very long time.

6. Ceramic coating

Our recommendation: ⭐⭐

Ceramic coating is an excellent product…

…but we recommend it more for a new vehicle.

On a used vehicle, its value depends a lot on the condition of the paint.

Personally, if our budget is limited, we would invest first in other protections.

We would prioritize instead a good hydrophobic treatment for the windshield, such as Aquapel or Iteck.

These products considerably improve visibility in the rain, facilitate water runoff, and increase driving comfort.

7. Wheel and tire protection

Our recommendation: ⭐⭐⭐⭐⭐ (Choice number 2)

If we had to choose a second product after the extended warranty…

…it would be wheel and tire protection without hesitation.

Why?

Because in Quebec, our roads put wheels to a harsh test.

Potholes, cracks, bridge joints, and curbs can quickly damage a wheel or a tire.

Moreover, modern aluminum wheels are very expensive.

Large-diameter tires are too.

A single repair or replacement can sometimes represent several hundred, even several thousand dollars.

For drivers who cover a lot of kilometers or who regularly drive on damaged roads, this protection can quickly become cost-effective.

Replacement insurance and debt insurance

Our recommendation: ⭐⭐⭐⭐

Many consumers confuse these protections.

Replacement insurance (or replacement value) allows, according to the conditions of your contract, to replace your vehicle with an equivalent vehicle in the event of a total loss, rather than receiving only its market value.

This protection is particularly interesting for recent vehicles.

There is also debt insurance (sometimes called gap insurance or “GAP”) which can be very advantageous in certain situations.

For example, if your car loan is greater than the value of your vehicle — what is often referred to as a “balloon” or negative equity — your insurance company might not reimburse the entirety of your debt in the event of a total loss.

You could then have to pay the difference out of your own pocket.

Debt insurance can protect against this risk.

Before making a decision, ask your advisor to clearly explain the difference between these protections.

Which products to choose if your budget is limited?

If we had to establish an order of priority, here is our recommendation.

🥇 1. Extended warranty (mechanical protection)

Because a major mechanical repair can quickly cost several thousand dollars.

🥈 2. Wheel and tire protection

With the condition of Quebec roads, this is protection that can be written off quickly.

🥉 3. Rust proofing

Especially if you want to keep your vehicle for a long time.

Next come:

  • paint protection film;
  • replacement or debt insurance, depending on your situation;
  • fabric or leather protection;
  • ceramic coating.

Our advice Auto Durocher

Not all protection products are indispensable.

The best choice always depends on your budget, how you use your vehicle, and the number of years you want to keep it.

At Auto Durocher, we prefer to explain the advantages and limits of each protection rather than trying to sell you all available products.

Our goal is simple: recommend the protections that will truly be useful to you.

In our experience, the extended warranty and wheel and tire protection are the two products that generally offer the best ratio between their cost and the peace of mind they provide, particularly for a used vehicle in Quebec.


Chapter 17 – The errors we see most often at dealerships

After thousands of vehicles sold over the years, we have noticed that the same mistakes come back continually.

These are not mistakes made due to a lack of intelligence. Very often, people are simply rushed, excited about buying a new vehicle, or they simply do not know what questions to ask.

If we wrote this guide, it is precisely to save you from these situations.

Buying a vehicle without really trying it

This is probably the situation we encounter most often.

Each year, clients come to Auto Durocher to ask us to take back a vehicle they bought a few weeks prior from another dealer.

The problem is not mechanical.

The vehicle runs beautifully.

The problem is that they simply do not like their vehicle.

Some find the seats uncomfortable after a few days of use.

Others realize that the trunk is much too small for their needs.

Sometimes, it’s the spouse or partner who drives the vehicle for the first time after delivery and doesn’t like the driving position or visibility at all.

Unfortunately, once a vehicle is purchased, it immediately loses a portion of its value. If financing is already in effect, it is not possible to simply cancel it.

The client finds themselves wanting to change vehicles after only a few weeks, but they must absorb a significant financial loss.

That is why we insist so much on the test drive.

Try the vehicle in the city.

Try it on the highway.

And above all, if two people will use the vehicle, both should take the wheel before signing.

Buying solely based on the payment

Another situation we encounter very often involves clients shopping solely for a payment.

They arrive saying:

“I absolutely want to stay under $100 a week.”

To achieve this goal, they sometimes choose a vehicle that is much older or has much higher mileage.

The payment is indeed lower.

But a year later, a transmission breaks or a major repair occurs.

Since they refused the extended warranty to save a few dollars a week, they must now absorb a bill of several thousand dollars.

Very often, they do not have the means to repair their vehicle.

They therefore wish to trade it in.

The problem is that their loan is not finished. They find themselves then with negative equity that is rolled into their next vehicle.

In the end, the savings realized at the start cost them much more.

It would sometimes have been preferable to slightly increase the payment right from the start to buy a newer, better-protected vehicle, or one benefiting from an extended warranty.

Trusting a simple verbal promise rather than documents

We often hear a client tell us:

“The salesman told me the vehicle was inspected.”

We don’t doubt it.

But the real question is rather:

What does the inspection report say?

A mechanical inspection is an extremely important document.

It indicates the real condition of the vehicle at the time of sale.

Are the brakes still at 8 mm… or only at 3 mm?

What is the thickness of the pads?

Will the tires need to be replaced in a few months?

What repairs were actually carried out?

Never be shy to ask for a copy of the inspection report.

A transparent dealer will be happy to hand it over to you.

Waiting until delivery day to call your insurance company

This situation is surprisingly frequent.

The financing is approved.

The vehicle is ready.

Delivery is scheduled for the next day.

Then the client finally calls their insurer…

And discovers that the premium is much higher than what they had imagined.

In some cases, the budget no longer works and the client must cancel their purchase.

This disappointment could yet be avoided very easily.

As soon as a model seriously interests you, call your insurance company and ask for a quote.

You will know immediately the real cost of your future vehicle.

Waiting before doing a credit pre-approval

This mistake is particularly common among clients with a more complex credit file.

Many fall in love with a vehicle before even knowing if it will be possible to finance it.

When the application is finally analyzed, they discover that the chosen vehicle does not match their borrowing capacity.

They have to restart their search and often experience a great disappointment.

A pre-approval is free and obligates you to absolutely nothing.

It simply allows you to know your real budget and the vehicles that correspond to your financial situation.

You will thus shop with much more confidence.

Signing documents too quickly

Delivery day is often filled with emotion.

Clients are eager to leave with their new vehicle.

They want to quickly sign the documents and take possession of their purchase.

Yet, a car purchase contract represents a major financial commitment.

Take the time to read the documents.

Ask questions.

Ask for explanations if something is not clear.

You will notice there are many signatures to provide.

It isn’t because the dealer makes things complicated.

It’s also because the Consumer Protection Act imposes several obligations on the dealer. The documents serve as much to protect your rights as to demonstrate that the dealer properly explained each step of the transaction to you.

We often compare this to a marriage contract: it’s probably not the most exciting part of your day, but it is certainly one of the most important.

A few extra minutes can avoid a lot of misunderstandings.

Choosing a dealership without checking its reputation

Today, a few minutes are enough to consult a dealer’s Google reviews.

Yet, many buyers still forget to do so.

We always recommend reading comments before moving.

In the used vehicle market, a rating of 4.0 stars and up is generally a good indicator. Unlike the new vehicle market, used vehicles already have a history. They are older, have more mileage, and despite a full mechanical inspection and repairs carried out before the sale, it can happen that a problem arises after delivery.

No dealer is perfect, and it is completely normal that a business selling several hundred, or thousands of vehicles each year occasionally encounters certain more difficult situations.

That is why we advise you not to look only at the global score.

Take also the time to read the comments and, above all, observe how the dealer responds to negative reviews.

A dealer who takes the time to respond professionally, who seeks to understand the problem, and who tries to find a solution generally demonstrates that they attach great importance to client satisfaction.

In the end, it’s not just the number of stars that counts, but indeed the general reputation of the business, its honesty, its transparency, and the quality of its after-sales service.

Our Auto Durocher advice

After thousands of transactions, we can tell you one thing with certainty: most bad experiences could have been avoided by taking a bit more time before signing.

Take the time to try the vehicle.

Read the documents.

Ask for the Carfax report.

Ask for the mechanical inspection report.

Verify the cost of your insurance.

Get a pre-approval if your credit file is more complex.

And above all, never be afraid to ask questions.

A good dealer will always take the time to answer them.

A car purchase is an important investment. A few hours of preparation before signing can save you from several years of regrets.


Chapter 18 – How to maintain the resale value of your vehicle

Buying a vehicle represents one of the most important investments of your life.

Yet, many owners forget that a well-maintained and well-preserved vehicle could be worth several thousand dollars more at the time of resale or trade-in.

Over the years, we have evaluated tens of thousands of vehicles.

Very often, two identical vehicles can have a value difference of several thousand dollars simply due to their condition or history.

The good news is that many of these elements are under your control.

Accidents almost always decrease value

Even when a vehicle is perfectly repaired, an accident declared on the Carfax report generally influences its resale value.

Of course, a simple bumper replaced will not have the same impact as a major accident.

However, when it is possible to avoid an accident, you protect not only your safety, but also the future value of your vehicle.

Repair windshield chips quickly

A small chip can seem of no importance.

Yet, with temperature changes and vibrations, it can quickly turn into a crack.

A repair generally costs much less than the full replacement of a windshield.

By acting quickly, you will save money and preserve the value of your vehicle.

Keep your vehicle clean

Appearance enormously influences a vehicle’s value.

A clean vehicle immediately gives the impression that it has been well maintained.

Wash the body regularly, particularly during the winter to eliminate accumulated salt.

Don’t forget the interior either.

A clean cabin, without stains or bad odors, will be much more attractive to a future buyer.

Have your vehicle rust proofed

In Quebec, the salt used on roads accelerates corrosion.

If your vehicle is still in excellent condition and you want to keep it for several years, a rust proofing treatment can contribute to protecting its body and chassis.

It is also an element appreciated during an eventual resale.

Keep all your maintenance invoices

Few owners do this.

Yet, a complete service record inspires tremendous confidence.

Keep invoices concerning:

  • oil changes;
  • brakes;
  • tires;
  • mechanical repairs;
  • recommended maintenance;
  • rust proofing treatments.

At the time of resale, these documents demonstrate that the vehicle was maintained seriously.

Avoid smoking in your vehicle

The smell of cigarettes is one of the main causes of cabin depreciation.

Even after a professional cleaning, certain odors remain embedded in fabrics and ventilation ducts.

Many buyers will simply refuse a vehicle with a strong tobacco smell.

Repair small damage quickly

A small scratch, a dent, or a paint chip sometimes seem benign.

Yet, these small defects can lead to the appearance of rust over time.

Repairing them quickly often costs much less than waiting several years.

Keep your two keys

Today, a smart key can cost several hundred dollars.

A vehicle sold with its two keys inspires more confidence and generally holds a better resale value.

When you lose a key, have it replaced as soon as possible.

Keep your winter tires

If you buy a new set of winter tires, keep them with the vehicle.

In Quebec, a vehicle sold with two sets of tires represents a major advantage.

It is often an argument that facilitates the sale or slightly increases the trade-in value.

Avoid unnecessary modifications

Modifications do not please everyone.

Lowered suspensions, very loud exhausts, excessively tinted windows, or certain aesthetic modifications can reduce the number of interested buyers.

In many cases, a vehicle kept in its original configuration will retain better value.

Do the recommended maintenance

Respecting the manufacturer’s maintenance schedule remains one of the best ways to preserve the value of your vehicle.

A vehicle maintained regularly inspires confidence.

Conversely, an incomplete maintenance record can make a buyer hesitate or decrease the value offered during an evaluation.

The 20 things that make a vehicle lose value the most

In our experience, here are the elements that most often decrease a vehicle’s value during a trade-in or a sale.

  1. A major accident recorded on the Carfax report.
  2. Rust on the body or chassis.
  3. A strong cigarette smell.
  4. A very dirty or poorly maintained cabin.
  5. Worn tires.
  6. Brakes to be replaced.
  7. A cracked windshield.
  8. Only one key available.
  9. The absence of maintenance invoices.
  10. Significant modifications.
  11. Damaged paint.
  12. Heavily scratched wheels.
  13. A warning light illuminated on the dashboard.
  14. Torn or stained seats.
  15. Electronic equipment that no longer works.
  16. A noisy suspension.
  17. A defective air conditioning system.
  18. A vehicle that has seen very little maintenance.
  19. A bad reputation for certain engines or transmissions.
  20. A very dirty vehicle at the time of evaluation.

Our Auto Durocher advice

The resale value of a vehicle does not depend solely on its year or mileage.

It depends above all on how it was maintained.

A clean, well-maintained vehicle, accompanied by its invoices, its two keys, its winter tires, and a clear history will almost always fetch a better value than a similar neglected vehicle.

We notice it every day during the evaluations we perform.

Taking care of your vehicle today is investing in its value tomorrow.


Automotive Glossary

Down payment

Sum of money paid down at the purchase of a vehicle to reduce the amount to finance. A down payment generally helps decrease monthly payments as well as interest paid.

Declared accident

Accident recorded on the Carfax report following a claim with an insurance company. The amount entered generally represents the estimated cost of repairs, but does not always reflect the real severity of the accident.

AWD (All-Wheel Drive)

Also called all-wheel drive. This system automatically distributes power among the four wheels to improve traction on snowy, wet, or slippery roads.

Balloon (negative equity)

Remaining amount to pay on a car loan that is higher than the market value of the vehicle.

Example:

  • Loan balance: $28,000
  • Vehicle value: $23,000

You have negative equity of $5,000.

Carfax

Report detailing the history of a vehicle.

It can notably contain:

  • declared accidents;
  • certain service history;
  • previous owners;
  • mileage;
  • liens;
  • the date of first registration.

Certified

Vehicle meeting the criteria of a manufacturer or a specific certification program. It is generally inspected according to defined standards and can benefit from additional warranties.

Depreciation

Loss of value of a vehicle over time.

This is the primary reason why many consumers choose a used vehicle over a new one.

Deductible (insurance deductible)

Amount you must pay yourself during an insurance claim.

Example:

Repair of $4,000

Deductible of $500

The insurance will pay $3,500.

Positive equity

Situation where the value of your vehicle is higher than the amount remaining to pay on your financing.

This difference can serve as a down payment when buying another vehicle.

Negative equity

Situation where the amount remaining to pay on your loan is higher than the value of the vehicle.

This difference must generally be paid off or added to the financing of the next vehicle.

Good working order warranty

Warranty provided under the Consumer Protection Act for several used vehicles sold by dealers.

Its duration varies based on:

  • the age of the vehicle;
  • its mileage.

The dealer must inform the consumer whether this warranty applies or not and have them sign the document provided for this purpose.

Dealer warranty

Warranty offered directly by the dealership.

It can vary from one dealer to another and is sometimes added to protections provided by law.

Manufacturer warranty

Warranty offered by the car manufacturer.

On certain recent vehicles, a portion of this warranty is still transferable to the new owner.

Legal warranty

Protection provided under the Consumer Protection Act.

Even without an additional warranty, a vehicle must notably:

  • be usable normally;
  • be free of hidden defects;
  • correspond to what was advertised.

Extended warranty

Additional protection allowing for the coverage of certain mechanical repairs after the end of the manufacturer warranty.

It can often be rolled into the financing.

GAP (Guaranteed Asset Protection or gap insurance)

Protection that covers the difference between the amount paid out by insurance and the balance of financing if the vehicle is declared a total loss.

Highly attractive when the vehicle is financed over a long period or when negative equity exists.

Hybrid

Vehicle utilizing a gas engine combined with an electric motor.

It generally reduces fuel consumption, especially in the city.

Plug-in Hybrid (PHEV)

PHEV stands for Plug-in Hybrid Electric Vehicle.

This is a hybrid vehicle that can be recharged at an electrical station.

It allows for covering several dozen kilometers in fully electric mode before the gas engine takes over.

Mechanical inspection

Comprehensive inspection aiming to verify the general condition of the vehicle.

It notably evaluates:

  • brakes;
  • tires;
  • suspension;
  • steering;
  • safety components.

Annual mileage

Number of kilometers driven each year.

This element is important for determining:

  • the right type of vehicle;
  • the cost-effectiveness of a hybrid vehicle;
  • the future value of the vehicle.

Lien

Right registered by a financial institution against a financed vehicle.

The lender remains holder of this right until the loan is fully repaid.

Before buying a used vehicle, it is important to check that this lien will be cleared before delivery.

RDPRM

The Registre des droits personnels et réels mobiliers (RDPRM) is a public registry in Quebec allowing notably for checking if a vehicle is burdened by a financial claim.

This check is essential to ensure that no creditor still holds rights over the vehicle.

Car line of credit

Amount that a financial institution agrees to lend to finance a vehicle.

It depends notably on:

  • income;
  • the credit file;
  • the vehicle purchased.

Bi-weekly payment

Highly popular financing method in Quebec.

The amount is withdrawn once every two weeks.

Weekly payment

Payment made every week.

It often allows for better management of a family budget.

Car loan

Amount borrowed to finance the purchase of a vehicle.

It is repaid according to a set term with interest.

Advertised price

Price announced by the dealer.

In Quebec, it must generally include all mandatory fees, with the exception of applicable taxes and registration fees.

Delivery appointment

The moment when the client takes possession of their new vehicle.

It is also at this stage that documents are signed and explanations on the operation of the vehicle are provided.

All-wheel drive

See AWD.

Interest rate

Percentage paid to the financial institution to borrow the money necessary for the purchase of the vehicle.

Fixed rate

The rate remains the same for the entire duration of the financing.

Your payments do not change.

Variable rate

The interest rate can increase or decrease based on the evolution of the benchmark rate.

Payments or the duration of financing can therefore vary.

Financing term

Duration planned to repay the car loan.

The most frequent terms are:

  • 36 months;
  • 48 months;
  • 60 months;
  • 72 months;
  • 84 months;
  • sometimes 96 months on certain recent vehicles.

Front-Wheel Drive (FWD)

The engine transmits its power solely to the front wheels.

This is the most common type of drive system on cars.

All-wheel drive (AWD)

See AWD.

Replacement insurance

Insurance protection allowing, under certain conditions, to replace a new vehicle with an equivalent new vehicle in the event of a total loss.

Market value

Real price at which a vehicle can be sold on the market at the present moment.

It depends notably on:

  • the year;
  • the mileage;
  • the condition;
  • the equipment;
  • accidents;
  • supply and demand.

Residual value

Estimated value of a vehicle at the end of a lease contract.

It is fixed at the start of the contract and serves notably to calculate lease payments.

Hidden defect

Major defect that existed before the sale, but which was not apparent at the time of purchase and which renders the vehicle unfit for the use for which it is intended.

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Disclaimer – Payment Estimator Tool

Payment Calculator

This payment estimation tool is for informational purposes only and does not constitute a credit offer within the meaning of the Consumer Protection Act (CQLR c. P-40.1). The amounts displayed are estimates only and may differ from the actual terms that will apply to the credit contract.

The selling price, credit rate, and actual payments will be determined at the time a written contract is concluded in accordance with applicable legal requirements.

Any financing offer is subject to credit approval by a third-party financial institution, in accordance with applicable lending criteria. The consumer may not qualify for the estimated credit rate displayed.

Base Price

The displayed price is based on the base price established by Auto Durocher. It excludes, among other things:

  • applicable sales taxes (GST and QST),
  • specific duties, including the air conditioning tax and environmental levies (if applicable),
  • transportation and preparation fees (if applicable),
  • options, equipment, and accessories,
  • dealer administration fees,
  • security registration fees (RDPRM) in the case of financing,
  • and any other fees payable under the contract.
    In accordance with the Consumer Protection Act, the total price to be paid will be clearly indicated in the sales or credit contract.


While we make every effort to ensure the accuracy of the information, errors may occur. Consumers are encouraged to contact Auto Durocher directly for complete and up-to-date information.

Credit Rate

The credit rates displayed are provided for information purposes only. The actual annual percentage rate (APR) will be disclosed in accordance with the Consumer Protection Act in the credit contract.
The applicable rate will depend, among other factors, on:

  • the consumer’s credit profile,
  • the terms of the financing,
  • and the selected financial institution.


Not all consumers will qualify for the lowest available rates. Certain conditions, restrictions, and eligibility requirements apply.

Estimated Payment – Financing

The estimated payment represents an approximation of periodic payments (principal and cost of credit) for an instalment credit contract relating to a used vehicle.
The actual payments will be set out in a written contract specifying, in particular:

  • the amount of credit,
  • the annual percentage rate (APR),
  • the cost of credit,
  • the number and amount of instalments,


in accordance with applicable provisions of the Consumer Protection Act.

The displayed amounts do not include certain fees, including administration fees, security registration fees, and other fees permitted by law.

Weekly payments are calculated based on the equivalent monthly payments using an annualization method, divided over fifty-two (52) weeks. This method is provided for estimation purposes only and may differ from the method used in the final contract.

Consumers are encouraged to consult Auto Durocher to obtain full disclosure in compliance with legal requirements before entering into any agreement.

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