Expert answer

Hi Sean,

There are no hard and fast rules when it comes to such things. That looks like a good, desirable car so I wouldn't expect the dealer to have too much difficulty selling it. Hence, they're not likely to discount by very much, perhaps a fraction under €15,000. Still, go in there with an offer of about €14,000 to get the ball rolling. Don't mention you're a cash buyer until the next stage of the negotiation!

Let us know how you get on.

Expert answer

Hi Rory,

I'm sure you're aware that your budget will get you any number of relatively new regular cars such as the Volkswagen Golf, Toyota Corolla and Ford Focus, along with bigger models like the Ford Mondeo and Toyota Avensis.

However, given your current choice of car I'd suspect that you'd like to retain the elevated driving position and your mileage dictates a diesel engine. Most cars can take a tow bar and you don't have heavy towing needs so that's not a major consideration. Likewise, all SUVs etc. will have room for your golf clubs.

So the logical choices based on all that include:

BMW X3: Good diesel engine, spacious, but your budget may only get you an older example.

Citroen C-Crosser: Great 2.2-litre diesel engine; rest of car built on Mitsubishi mechanicals.

Honda CR-V: Bomb-proof reliability, but again may have to settle for older example.

Hyundai Santa Fe: Big and comfortable, though running costs higher than smaller SUV.

Mitsubishi Outlander: Spacious, well made, ok diesel, if loud.

Nissan X-Trail: Strangely forgotten, but plenty around at this price.

Peugeot 4007: Shares its engine and underpinnings with the Citroen above.

Suzuki Grand Vitara: Very reliable.

Toyota RAV4: Another with impressive reliability. Possibly the choice of the lot at this price.

There are loads of older, bigger SUVs for sale at that price too, but they'll cost you more to run for no real benefit.

If you're willing to change body styles completely it's worth checking out something like a BMW 120d Coupé or a diesel 3 Series Coupé. There are also plenty of great estates on the market for that budget, including the Audi A4 Avant and BMW 3 Series Touring. I know you don't need that space for a family, but it's useful for a lot of other things.

Come back to us with more information and we'll help to narrow your search further.

Expert answer

Hi Kevin,

That's a bit of a black art in itself and of course will depend on whether the seller is private or a dealer. Assuming an asking price in the region of €11,000 to €13,000 go in with an offer €1,500 below and see what they say. Don't take their first offer either - haggle.

Let us know how you get on.

Expert answer

Hi Antoinette,

First of all it's always worth remembering to focus on the 'cost to change' rather than the trade-in value alone. Your current car is unlikley to be worth quite €1,000 to a dealer so bear that in mind. If that gives you €5,000 in total to spend then you could potentially afford a 2005 Toyota Avensis. However, that price will get you a high mileage example so it may be worth going for a 2003/2004 example in good condition with low mileage.

I reckon you're better off with a petrol version if you're looking at an Avensis of that age. It was before the changeover to emissions-based taxation in July 2008, so the 1.6-litre petrol model was very popular - and is therefore in plentiful supply on the used market. Tax is cheaper too than the diesel of the same age due to it being calculated on engine size.

Along with that, 11,000 miles per year is not quite high enough to justify the potential extra cost of a diesel car in my opinion.

Hope that helps

Expert answer

Hi Steve,

We are not aware of any issues with this engine as yet. Most problems would have been rectified under warranty so far in any case, making it too early to say for sure.

Prices vary around the country and of course between dealers and private sellers, but the car you're describing is worth somewhere in the region of €13,000 to €15,000.

Hope that helps.

Expert answer

Hi Andrew,

The key point you make here is 'properly maintained' and to be honest if you really take care of it and are prepared to invest money into it then you could expect 200,000+. It isn't all that unusual to see Focus diesels with mega mileage. See this one on sale in a dealership in Carlow with 190,000 miles on the clock. So it is really up to the owner. I wouldn't expect it to last much over 200,000 though, before it would become uneconomic to own it. 

Expert answer

Hi Dave,

There is no simple answer to this - but as a rule of thumb, on a new car (average Ford Focus or Golf) you should expect to get around €700-€1,000 off the new price if buying straight. Much more than this is unlikely unless it is a Renault, or a luxury car! Shop around and don't be afraid to look outside of Dublin for the best deal.

Expert answer

Hi Wayne,

You would probably get offered around €3,800 from a main dealer for your car and you could expect to sell it privately for around €4,300, so you should advertise for around €4,600. Remember if you are trading in then concentrate on the 'cost to change' rather than the value of your car. 

I hope this helps?

Expert answer

Hi Tony,

Given your shortlist, I'd be inclined to go for the new Ford Focus saloon - presumably you mean a 1.6 TDCi version. It's more economical than the BMW and Audi and it'll be four years newer, meaning the security of a manufacturer's warranty. Older BMWs and Audis, as lovely as they are, do start to cost a bit to maintain.

Another car to consider is the relatively new Volkswagen Jetta. It compares well to the Focus.

Come back to us if you need more help deciding.

Expert answer

Hi Annmarie,

Well you aren't expected to know everything! When we talk about 'cost to change' we mean that lots of people go into a dealership and are fixed on how much the dealer is giving them for their car.

When you do this, you are ignoring any potential discount there might be on the car you are buying. In the case of the Honda FR-V you show here, the car is €18,950. Let's say your Jazz is worth €5,000, which is probably about right, if the dealer says it will be €13,950 to change he is not really giving you any discount off the FR-V. 

When pricing a used car, a dealer is trying to figure out how much it will cost him to prep it for sale, which is often around €800. There is no major science to this, all we mean is that if you fixate too much on the price the dealer is offering you for your car you might not see the whole picture. Focus instead on how much it will cost you to get into your next car instead. 

Bear in mind that they do have to make some money, but use this as a guide when you are choosing your next one. If all this is still a mystery to you, come back to me again. 

I hope this helps!