Buying a Car for the First Time? Here’s What to Expect

So, you’ve finally decided to get your first car—congratulations! Whether you’re rolling with a sleek saloon or a bulky SUV, becoming a car owner is an exciting but eye-opening experience. 

Before you picture yourself speeding past other drivers on the road like Baldev Chager in his Safari Rally heydays, let’s break down what it really means to be a new car owner in Kenya. 

It’s not all about the fuel gauge and a full tank of gas—there’s a lot more to it!

1. Financial Commitments? Oh Yes!

Buying a car is one thing; maintaining it is a whole different ball game. Ask that neighbor who always visit the garage – si kupenda kwake by the way.

Here are a few key areas you should be prepared for:

• Insurance Costs:

Car insurance is not just a suggestion—it’s the law. In Kenya, you’ll need at least third-party insurance to be on the road legally. Comprehensive coverage is also a great idea because it covers theft, fire, and accidental damage. 

Of course, the cost varies based on your car’s make, model, and your driving history. Expect to budget between Kshs 30,000 and Kshs 140,000 annually depending on the vehicle model you own.

• Maintenance and Repairs:

Your car is going to need regular check-ups. Think of it as your car’s version of going to the gym—it needs to be in good shape to avoid breaking down. 

Oil changes, tire rotations, brake checks, and the occasional battery replacement will be part of your life now. 

A quick tip: Always keep some cash on the side for those surprise repairs that have a knack for showing up right after payday.

• Fuel Costs:

Fuel prices in Kenya can be unpredictable, but you can manage your fuel expenses by being smart with your car choice. 

A fuel-efficient car will save you more money than you think. And let’s be honest, no one enjoys seeing that “Low Fuel” light come on during Nairobi traffic.

• Registration and Taxes:

Registering your car is another cost you’ll need to factor in. Depending on your vehicle’s value and the region you’re in, these fees can vary, so it’s good to plan ahead for these as well.

(PS: If you’re still figuring out your car options, Peach Cars can help you find the perfect match within your budget!)

2. The Learning Curve

Owning a car comes with its fair share of learning moments. Here’s what you need to know:

• Driving Dynamics: If you’re used to borrowing a friend’s car, driving your own feels different. You’ll learn the car’s quirks over time—how it accelerates, brakes, and handles. And yes, it’s completely normal to take those speed bumps too fast in the beginning. You’ll quickly learn that Nairobi roads will teach you a thing or two about patience.
• Routine Checks: You’ll need to keep an eye on things like tyre pressure, oil levels, and engine performance. It’s like babysitting, but for a car. Set a schedule for maintenance to avoid surprise breakdowns. 

Pro tip: Learn how to change a tire and check your oil. Trust me, it will save you on a random rainy day along Thika Road.

• Parking Woes: Parking can be a real pain, especially in city centres. Make sure you’ve got your parking game strong—both in tight spots and crowded places. Alternatively, you could start making friends with security guards—just in case.

3. Expect Some Freedom, But Also Responsibilities

The freedom of car ownership is real. You no longer need to rely on matatus or those overly-priced rides from your favourite ride-hailing app. However, this newfound freedom comes with a few added responsibilities.

• Traffic Rules (They’re Not Just Suggestions!):

As tempting as it is to beat the lights, follow traffic rules. Besides avoiding hefty fines, driving responsibly ensures your safety and that of others. 

Remember, you now have to be the responsible road user you’ve always criticised from the passenger seat or when walking down the road.

• Road Trips? Yes, Please!

Having a car opens up endless possibilities for impromptu road trips. The beautiful Kenyan coast, the scenic Rift Valley… all within reach.

 But before you hit the road, always check that your car is in good condition. Nothing ruins a weekend getaway like a breakdown in the middle of nowhere.

(If you want peace of mind before any long journey, let Peach Cars inspect your car. We provide a comprehensive 288-point vehicle inspection!)

4. Hidden Costs (Surprise. You’re Spending More!)

Buying the car might be the biggest single expense, but the spending doesn’t stop there. Beyond insurance and fuel, there are a few hidden costs every new car owner should prepare for:

• Car Washes: Your car will need regular cleaning, especially if you’re driving on dusty roads. A proper car wash once a week or bi-weekly is a must to keep your ride looking fresh. Plus, clean cars just drive better—okay, maybe not, but they sure feel that way!
• Depreciation: The moment you drive off the lot, your car starts losing value. It’s just a fact of life. But don’t worry too much—if you keep it in good shape, it will hold its value better over time. Routine maintenance will help you retain some of that value when it’s time to sell or trade-in.
• Accessories and Modifications: Whether it’s new seat covers, a killer sound system, or fancy rims, these extras can add up fast. And once you start, it’s hard to stop. Just be careful not to blow your entire budget on mods, or you’ll be driving a sweet-looking ride with an empty wallet.

Ready to Take the Wheel?

Owning a car is a rewarding experience, filled with a balance of freedom and responsibility. From the financial commitment to learning your car’s quirks, every part of this journey shapes you into a more seasoned driver. The key is to be prepared for the unexpected and keep your car in top shape with regular maintenance. If you’re still in the shopping phase, Peach Cars is here to help you find the right car for your needs and budget. We offer high-quality new and used cars, along with financing options that can make the process even smoother. Check out our platform or call us today for your next car—because who said buying a car should be stressful?