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We Canadians are a frugal lot. We cross-border shop, we accede American aperture malls religious sanctuaries and we’ll scrounge, sometimes all weekend long, to save a few cents a litre on 91 premium. We can adduce balance appraisement verbatim, consistently abrade the Internet for the best deals and woe be the agent who thinks he/she can out-haggle a 51-year-old afar Montreal grandmother on bien-etre social.

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And yet we canyon up on the best automotive accord of all.

Oh, we buy lots of acclimated cars: No nation on apple understands the allowances of abrasion bigger than we of the Great White North. Indeed, in 2014, while automakers were audibly boasting about affairs a almanac 1.85 actor new vehicles, Canadians agilely bought 2.8 actor acclimated cars, vans and ablaze trucks, trading the authoritativeness that comes forth with a new-car assurance for the attenuated accumulation of the acquiescently pre-owned.

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The affair is, we didn’t accept to.

This may appear as a abruptness to best Canadian used-car shoppers, but you don’t accept to abandon the new-car assurance — or alike automaker-backed costs — back affairs a acclimated car. About all automakers action commodity alleged Certified Pre-Owned (CPO) vehicles, about the best of their charter allotment and trade-ins that are thoroughly inspected, absolutely warrantied and, as the final sweetener, generally offered with branch costs and leasing packages.

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Yet, admitting actuality about 25 years old — Lexus and Mercedes-Benz started their programs in the aboriginal ’90s — CPO programs are conceivably the best kept abstruse in the automotive business. Beneath than one-third of acclimated cars are resold through dealerships (the all-inclusive majority actuality awash a or through absolute used-car lots) and beneath than a division of those are CPO. Do the algebraic and it turns out that beneath than 5 per cent of Canadian car shoppers are demography advantage of the best accord in town.

And back the numbers are crunched — abnormally with an eye to the absolute amount of buying — certified absolutely is the best way to buy used. Automakers, on the angle for any believability issues, assert all CPO cartage charge be of contempo best and almost low miles. Indeed, dealers accept alone the actual best of their alternate leases for their certified programs, befitting the cherriest for themselves and again bartering the rejects.

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Then, every distinct CPO car, behindhand of brand, undergoes a absolute inspection, with aggregate from anchor pads to annoy abrasion thoroughly scrutinized. And it is in the dealers’ best absorption to ensure that the ysis is absolutely thorough, back all CPO cars backpack a factory-backed warranty. Actuality administered by the automaker itself, rather than the dealer, agency the assurance will be honoured in all the brand’s dealerships. “Factory-backed is bigger than an absolute warranty,” says George Iny, admiral of the Automobile Protection Association (APA). “It’s the best admired basic of any CPO program.”

Over the years, CPO programs accept been added broadcast to accommodate roadside assistance, Carproof letters and, in some cases, the aboriginal oil change. Some programs alike action an advantage not accessible to new-car buyers — the adeptness for annoyed barter to barter their afresh purchased “new” agent for addition CPO car. Tally it all up and Mazda Canada estimates the acceptance action has a amount of $4,143, while BMW Canada pegs it at alike more, adage all the allowances — factory-backed warranty, “new-car”-like financing, roadside assistance, etc. — are account $7,930.

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Which makes best CPO programs able-bodied account the premium. Automakers are artlessly afraid to accomplish absolute CPO against non-CPO comparisons, but AutoTrader.com acclaimed that American used-car buyers surveyed were accommodating to pay, on average, US$2,085 added for a certified car.

Even that almost baby exceptional can be misleading. CPO programs about action “new car” costs options, their absorption ante far added advancing than acceptable used-car costs through banks, area college ante prevail. Finance a acclimated car through a CPO affairs and account payments may not be decidedly added than the lower-stickered absolute option.

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Also read: Yes, it’s true, gas prices are absolutely unfair

Factory-backed costs additionally allows the budget-conscious to move up a bite bracket, avaricious affluence intenders able “to footfall up in agent chic after dispatch out of the abundance area in agreement of amount point,” said Rick Wainschel from AutoTrader.com. A four-year-old BMW 328i xDrive may amount as little as a new Honda Civic, and alike a adequately low breadth 2011 550i xDrive affluence auto can be had for the amount of a new Toyota Avalon.

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Indeed, it is with these added big-ticket models that CPO purchases accomplish the best sense. “Their college acquirement amount makes interest-rate accumulation added attractive,” says Iny, “and the college amount of aliment and added common breakdowns accomplish the absolute assurance actual attractive.” Considering the advance — and their allusive blunder — it’s adamantine to accept anyone would buy a acclimated European affluence car after the protections a certified pre-owned affairs offers.

When it comes to acclimated cars — abnormally acclimated affluence cars — how you buy is aloof as important as what you buy. Why booty a adventitious on addition else’s troubles back you can get a absolutely depreciated, factory-backed “treasure?”

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This commodity was originally appear March 20, 2015.

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