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Cars naturally drop in worth the moment you drive them off the lot — and that’s perfectly normal. This decline in value is known as value loss, and it’s the most significant unseen financial burden of car ownership. Right off the lot, a brand-new vehicle can lose up to 20 percent of its value in the first 12 months. By the time it’s five years old, it may have lost more than half its original price. This isn’t unusual — it’s how the market works. Cars are mechanical assets that degrade, innovation accelerates, and newer models come out every year. Buyers gravitate toward the modern conveniences, improved mileage, and next-gen protection tech, which reduces demand for bil med körförbud – kan man få ersättning? older models.

Knowing how fast your car depreciates can help you make wiser money choices. Specific vehicle types hold their value significantly longer. For example, full-size pickups and crossovers with strong reputations for reliability often depreciate slower than luxury sedans or electric vehicles with quickly outdated batteries. If you intend to resell or exchange your vehicle, choosing a model with a consistent high retention rate can net you major savings long-term.

It’s more than just dollar amounts in a chart — it’s also about when to let go. Many people keep driving aging cars because they’re emotionally invested or afraid of the next payment. But keeping a car beyond its peak worth can cost you more in repairs through increased coverage costs and inefficient engine performance. A car that’s 10 years old or older might need major component replacements that cost more than it’s worth. At that point, the money you’re pouring into maintenance could be allocated to a safer, more efficient model.

A practical guideline is to evaluate selling when the cost of fixes surpasses half its trade-in price. If you’re spending hundreds every month on maintenance, or if your car is posing safety risks, it’s past due for a change. Also, if you’re paying more in interest on a loan than your car is worth, you’re at serious risk.

Walking away isn’t giving up — it means being practical. Cars are functional machines, not investments. The most savvy owners don’t try to hold on until the engine dies — they know when to move on. Upgrading before depreciation spikes can reduce out-of-pocket expenses, ease anxiety, and enhance your driving security and lower running costs. It’s not about chasing the latest trend, but about aligning your vehicle with your financial goals. When you act is everything, and recognizing the right exit point is as crucial as your initial purchase decision.