Owning a Car for the First Time? Here’s What You Need to Know

Being a first-time car owner is an exhilarating experience. For sure you’ve spent months, even years, planning, researching, and saving for this important purchase, and now you finally hold the keys! Now what?

Whether you purchased a brand new car or a second-hand one, you need to know how to care for it. Proper car care means less need for repairs, which means fewer expenses down the road. Here are a few tips for first-time car owners like you.

Start by taking the time to read the owner’s manual
Manuals of anything are long and boring, which is why most of us skip it. Your car’s manual may not be the most interesting read, but it contains vital information about your car such as its features, maintenance schedule, the fluid or oil to use, and tire pressure, among others. If you have a second-hand car and the manual did not come with it, search the Internet for an online copy.

Organize your car documents
As early as now, keep your car documents organized and tidy. Put all your receipts for car maintenance services and repairs in a filing folder or envelope so that when the time comes when you decide to resell your car, you have proof that your car is well taken care of.

Keep your tires properly inflated
The ideal pressure level for your tires is indicated in the owner’s manual, so yes, it’s really important that you read it. Tires that are not properly inflated will wear your car faster, waste gas, and degrade the car’s handling. Check your tire’s pressure at least once a month and before going on a long trip.

Don’t skimp on carwashes
Regularly having your car washed preserves the integrity of your car. Have your car waxed after every wash, too. Your car is vulnerable to bird droppings, road grime, and splatters among others, so it’s best that you give it a proper cleaning on a regular basis to maintain the quality of your car paint.

Follow your maintenance schedule
The owner’s manual suggests how often you should avail maintenance services such as oil change and timing belt replacement. You can prolong the life of your car by staying on top of car maintenance.

Join the club
Being a member of a motor club has a lot of perks like discounts at partner establishments. Aside from that, they also offer 24-hour roadside assistance in the event that you get a flat tire or your car breaks down. Some auto insurance companies have an affiliated motor club. Give your agent a call to ask about it.

Secure your emergency roadside kit
This should include a first aid kit, fire extinguisher, three reflective triangles, flashlight, jumper cables, gloves, extra batteries, rags, duct tape, tire gauge, foam tire sealant, and tow rope, to name some of the most important things. You should also have a rain poncho, warm blanket, and drinking water in your car at all times.

Get a good local mechanic
Ask around, get recommendations, and research on well-qualified mechanics around your area. A good and reliable mechanic is hard to come by, so if you’re lucky enough to find one, keep a good relationship with them and make sure that every transaction is done with trust and respect.

We’re All In This Together!

A message from Payment 1 Financial Corporate Office

The ongoing Covid-19 health crisis is having a dramatic impact on our communities, from the health of our friends and families to our schools and workplaces. 

During these challenging times, Payment 1 Financial is committed to taking action to help you and your family. We’re making every effort to keep our stores open, and our people are following a strict regimen of cleanliness and sanitation. We are standing by, ready to do whatever it takes to help you get through this. 

Payment 1 Financial is limiting our lobbies to two people at a time to help prevent the spread of the virus, but we are also delivering curbside service by appointment. All you have to do is call to schedule your visit—we bring the paperwork to you in your car! Click here to view our locations.

If you find yourself facing financial difficulties due to Covid-19, rest assured that we are here to help. Just contact your local Payment 1 Financial office, and let’s discuss ways that we can assist. 


  • Additional cleaning and sanitization at all locations

  • The health and well-being of our customers, staff, and families is our priority

  • Schedule curbside service by calling ahead for an appointment

For the latest information about Covid-19 and what you can do to protect yourself, visit the Centers for Disease Control online at www.cdc.gov