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Buying a Car

Buying a Car

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Buying a Car (Guide for Newcomers)

Introduction

Buying a car is a significant step for newcomers in Saskatoon, offering freedom and easier access to work, school, and daily activities. Understanding the steps, requirements, and best practices will help you make a confident and safe purchase.

Step 1: Obtain Your SGI Customer Number

To purchase and register a vehicle in Saskatchewan, you must have an SGI (Saskatchewan Government Insurance) customer number.

  • If you already have a Saskatchewan driver's licence, this number is printed on your licence.
  • If you do not have a local driver's licence, you can obtain a customer number by applying for a Saskatchewan Photo ID Card (government-issued photo identification).

Note: This customer number is essential for registering a vehicle, getting insurance, and completing any car purchase.
Make sure to obtain a local driver's licence or Photo ID before shopping for a car.

Step 2: Mechanical Inspection Before Purchase

It is strongly recommended to have any used car inspected by a trusted, independent mechanic before buying.

  • Mechanical inspections can uncover hidden technical issues, accident damage, or future risks.
  • Even when buying from a dealership, an independent inspection adds peace of mind.
  • The small cost of a pre-purchase inspection is minor compared to the potential financial risk.

You can find several Iranian mechanics on the Business Directory of this website.

Step 3: Explore Special Programs for Newcomers

Many car dealerships in Saskatoon offer special financing programs for newcomers who may not have a Canadian credit history.

These programs typically require:

  • Immigration documents (CoPR, Work Permit, or Study Permit)
  • A valid government-issued ID (such as a driver's licence or Photo ID)
  • Proof of income or financial capacity

Tip: When visiting dealerships, always ask about “Newcomer Programs” to benefit from flexible financing or lower down payments.

Step 4: Understand Additional Costs

When buying a car in Saskatchewan, budget for the following additional expenses:

  • Provincial Sales Tax (PST): 6% provincial tax due at purchase. For new vehicles, add 5% federal sales tax (GST).
  • Car Insurance: Mandatory in Saskatchewan. Can be paid monthly or annually. Optional package policies are available.
  • Vehicle Inspection: Imported or out-of-province vehicles may need to pass a mechanical inspection.
  • Vehicle Registration Fee: Varies depending on the vehicle's year and type. Paid to SGI at registration.
  • Winter Tires: If the car doesn't include winter tires, consider budgeting for a set—essential for Saskatchewan winters.

Step 5: Where to Shop for Cars

You have several options to find suitable vehicles:

Always review the vehicle's condition, warranty terms, and purchase agreement carefully before finalizing your decision.

Additional Tips for a Smart Purchase

  • Compare prices and options from several sources before making a decision.
  • Ask for a vehicle history report (such as Carfax) to check for past accidents or major repairs.
  • Ensure that all paperwork (ownership, insurance, registration) is completed properly.
  • Be cautious of deals that seem “too good to be true.”

Conclusion

By obtaining your SGI customer number, consulting a qualified mechanic, and taking advantage of newcomer-friendly dealership programs, you can buy a car in Saskatoon with greater security and confidence.

Careful planning, asking questions, and comparing multiple options will help you make the best choice for your needs and enjoy your new car with peace of mind.