Finding the ideal car involves more than looking at photos or visiting dealerships: it requires an objective analysis of costs, financing, maintenance, insurance and resale value. Many consumers end up paying too much for lack of comparison and study.
If you want a car with economy, safety and practicality, it's essential to compare models, understand financing rates and evaluate the cost-benefit ratio before making a deal. Want an even smarter way? Participate in car raffles could be your chance to buy a new car without having to spend a lot of money. In this article, we guide you to the best opportunities on the market, analyzing everything from the reliable car raffles even how to simulate financing, analyze the FIPE table and calculate the total cost of owning a car.
Top recommended models
Selecting the best vehicle is the first step towards a smart purchase or strategic participation in car sweepstakes. Check out the highlights among city cars, SUVs and economical options, all evaluated by cost-benefit, maintenance, consumption and performance.
Chevrolet Onix
- Description: Brazil's leading hatchback, ideal for urban use, it stands out for its fuel economy and resale value.
- Main specifications: 1.0 turbo engine (116 hp), average consumption of 13 km/l (petrol), updated FIPE price from R$ 77,000 (2024).
- Advantages: Low maintenance costs, good equipment list, affordable insurance, excellent for those looking for financing or a consortium.
- Limitations: Small trunk, basic interior finish in entry-level versions.
- Official links:
Hyundai HB20
- Description: Compact hatchback with modern design, focus on technology, suitable for those who want resale value and driveability.
- Main specifications: 1.0 turbo engine (120 hp), consumption of 12.5 km/l (petrol), FIPE chart close to R$ 79,000.
- Advantages: Standard equipment, multimedia center, low depreciation and good insurance acceptance.
- Limitations: Firm suspension, limited rear space for adults.
- Official links:
Fiat Pulse
- Description: Compact SUV, a highlight among current models, combines robustness, interior space and connectivity, great for families.
- Main specifications: 1.0 turbo engine (130 hp), average consumption of 12.2 km/l (petrol), FIPE list from R$ 101,000.
- Advantages: Ground clearance, large trunk, affordable maintenance and competitive insurance in the first quotes.
- Limitations: Devaluation slightly above the category average, multimedia center as standard on intermediate versions onwards.
- Official links:
Toyota Corolla
- Description: A benchmark mid-size sedan in terms of comfort, durability and resale value, ideal for those who prioritize low maintenance costs over the long term.
- Main specifications: 2.0 flex engine (177 hp), average consumption of 11.6 km/l (petrol), updated FIPE price from R$ 150,000.
- Advantages: Mechanical reliability, low depreciation, great for financing with reduced rates at traditional banks.
- Limitations: High initial cost, more expensive insurance for young drivers, above-average original parts.
- Official links:
Volkswagen Polo
- Description: Premium hatchback, great urban performance, renowned for its on-board technology and extensive service network.
- Main specifications: 1.0 TSI engine (116 hp), average consumption of 14 km/l (petrol), FIPE price from R$ 92,000.
- Advantages: Connectivity, good interior space, easy maintenance and financing options with quick approval.
- Limitations: Slightly higher insurance, more expensive servicing after 30,000 km.
- Official links:
A comparison of the best vehicles
Before entering a car lottery or buying your next car, it's essential to compare models. Analyze consumption, performance, updated price according to the FIPE table and strengths/weaknesses. The table below makes your decision easier and can be consulted on any mobile device.
| Model | Average price (FIPE) | Consumption (km/l) | Strengths | Weaknesses |
|---|---|---|---|---|
| Chevrolet Onix | R$ 77,000 | 13 | Economy, resale, cheap maintenance | Trunk, basic finish |
| Hyundai HB20 | R$ 79,000 | 12,5 | Technology, affordable insurance | Suspension, rear space |
| Fiat Pulse | R$ 101,000 | 12,2 | Space, headroom, reasonable insurance | Devaluation, multimedia |
| Toyota Corolla | R$ 150,000 | 11,6 | Reliability, resale, comfort | Initial cost, young insurance |
| VW Polo | R$ 92,000 | 14 | Technology, space, easy maintenance | Insurance, servicing after 30,000 km |
Notice how some models, such as the Chevrolet Onix and VW Polo, combine fuel economy with good resale value and low maintenance costs, making them great for those looking for low interest rate financing and installments that fit your pocket. SUVs like the Fiat Pulse offer more space and robustness, with a higher starting price and greater depreciation.
Financing: rates, banks and installments
To avoid compromising your income, it is essential to simulate installments, analyze up-to-date financing rates and compare banks. This way, you can avoid pitfalls and guarantee approved credit with the best conditions for buying a new or semi-new car.
Itaú Bank
- Description: One of the largest private banks, it is heavily involved in car loans, financing and consortiums for new and used vehicles.
- Main conditions: Down payment from 20%, interest rates of 1.39% p.m. (see update), terms of up to 60 months, fast approval.
- Advantages: Online simulation, fixed installment options, wide network of partners.
- Limitations: Rates may vary according to credit analysis and customer profile.
- Official links:
Santander Bank
- Description: Traditional bank with financing solutions for cars, including used models and consortia with flexible bidding.
- Main conditions: Input
- 20%, interest from 1.29 to 1.45% p.m. (depending on profile), up to 60 months to pay, initial grace period option.
Leasing
- Description: Alternative to traditional financing, where the car remains in the bank's name until the end of the contract.
- Main conditions: Down payment from 20 to 30%, competitive rates (check with banks), no IOF, terms similar to traditional financing.
- Advantages: Lower taxes can be advantageous for companies.
- Limitations: Vehicle cannot be sold before the end of the contract, less flexible for individuals.
- Official links:
Consortium
- Description: Collective system where participants pay monthly installments and compete for letters of credit to buy a vehicle.
- Main conditions: No interest, just an administration fee, terms of up to 84 months, possibility of bidding to anticipate contemplation.
- Advantages: No interest, flexible plans, a good alternative for those not in a hurry to buy a car.
- Limitations: There is no immediate guarantee of credit, and contemplation can take time.
- Official links:
Before defining the best path, compare before you financeUse online simulators, check rates at the main banks and consult your credit score. In the case of a consortium, analyze the regulations, administrative fees and the administrator's track record.
How to choose the right car
The best model for you should suit your usage profile, monthly budget, cost of car insurance and maintenance. Consider:
- Daily urban use: Models like the Chevrolet Onix and Hyundai HB20 are great for fuel economy, low maintenance and affordable insurance.
- Families or trips: Compact SUVs like the Fiat Pulse offer more space, a large trunk and robust suspension, making them ideal for those transporting children, pets or luggage.
- High resale value: Toyota Corolla is a benchmark for durability and low depreciation - perfect for those planning to change their car after a few years.
Don't buy before analyzing these points: always consult the FIPE table for an up-to-date price, evaluate the annual cost of insurance, overhaul expenses and taxes, and test drive different versions. Simulate installments and see which one fits your pocket before signing any contract.
Car insurance and annual costs
Car insurance is a fundamental part of the cost structure for anyone who buys a car or wins a lottery. More cost-effective models generally have cheaper insurance, but factors such as the driver's profile, location and type of vehicle directly influence the price. Here are some tips for saving money:
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- Quote insurance with multiple insurers at the same time: Use portals such as Minute Insurance to compare offers.
- Consider essential cover: Theft, collision, 24-hour assistance and third-party cover.
- Larger franchises reduce the portion: Analyze how much you are willing to pay in the event of a claim.
- Vehicle protection: Alternative to traditional insurance, with lower costs and joint cover - check the association's reputation.
The “best cars of the moment” have more affordable insurance and a lower claims rate. Always check the up-to-date financing rates, calculate the total annual cost (IPVA, insurance, revisions and fuel) and don't forget to enter this data into your comparison spreadsheet before deciding.
Documentation and transfer
Regularizing your car involves mandatory costs. Whether you've won a car raffle or bought a new car, make sure your vehicle has no outstanding RENAVAM registration, its annual license is up to date and its IPVA has been paid. You can check your vehicle's debts, fines and status on the Denatran.
- Transfer of ownership: Requires notarization, inspection and issuance of a new CRV. Cost varies per state (on average R$ 300 to R$ 600).
- Raffle car: Check the regulations to see who pays the transfer and initial licensing fees - some draws offer exemption.
- Used cars: Consult history (claims, legal restrictions and auction) via Checkauto or Detran of your state.
Avoid surprises: check all the documentation before making a deal or accepting a raffle vehicle.
Maintenance, revisions and consumption
The secret of best value for money is preventive maintenance. Cars with up-to-date servicing, low fuel consumption and affordable parts give you fewer headaches and increase in value when they are resold.
- New cars: Mandatory dealer servicing, factory warranty and lower risk of failure.
- Semi-new: Lower cost of ownership, but require a full service history - check the situation in the vehicle's handbook.
- Consumption: 1.0 turbo models and urban hatchbacks lead the fuel economy ranking.
Use portals such as KBB Brazil to compare service costs and actual consumption. To save money, schedule oil, filter and brake pad changes according to the manual. Recommended cars for fuel economy are ideal for those who drive a lot in the city or want to reduce the monthly cost of gasoline or ethanol.
Advantages and limitations of each model
The cheapest car is not always the best. Always evaluate:
- Onix and HB20: Ideal for those looking for savings, a good price for car insurance and simple preventive maintenance.
- Fiat Pulse: Better for families, trips and those who need space, but with a slightly higher depreciation in the short term.
- Corolla: A benchmark sedan in terms of comfort and durability, but it requires a greater initial investment and proportionally more expensive insurance.
- VW Polo: Optimum balance between performance, technology and maintenance costs.
If you choose a car raffle, If you are looking for a safe draw, choose reliable promotions, read the regulations and check that the model on offer really meets your needs. An example of a safe draw is Link to Good, with transparency and ease of participation. In this mode, you can compete for new cars without worrying about down payments, installments or interest rates. However, the chance of winning depends on the number of participants.
For all profiles, compare before you financeThe most important thing is to: analyze the total paid at the end of the financing, consult up-to-date financing rates, make simulations with multiple banks and consortia, and always use the up-to-date price from the FIPE table so as not to pay above market value.
Finally, remember: both direct purchases and sweepstakes, making smart choices is the best way to get your new car with safety, savings and satisfaction. Simulate installments, check annual costs, research the vehicle's history and always look for the best value for money in the Brazilian automotive market.
