What is the best way to pay for a car?
What is the best way to pay for a car?
Con Hegarty (Cork)Apr 2016 Filed under: finance
Expert answer
Hi Con,
Cash. You get the best discounts and the minimum of fuss if you pay for the car up front. PCP plans are great (and hugely affordable), but only really work if you plan to trade your car in for a new one every three years. More traditional hire purchase is probably the best compromise – it’s more expensive than a PCP, but often easier to arrange than a personal car loan from a high street bank and at the end of the loan period you own the car completely.
What's my Ford Focus worth as trade-in?
What is a Ford Focus 1.8 diesel with 130,000 miles on it worth as trade in against 2015 diesel 1.6 with 8,000 miles on the clock?
Ted Lawton (Killeagh Co Cork)Apr 2016 Filed under: used car values
Expert answer
Hi Ted,
Well, it’s a little hard to say. You haven’t given me a year for your Focus 1.8, but assuming it’s a 2009 model then I’d take a stab at it being worth around €6,000 as a trade in. However, it’s impossible for us to predict how much a dealer is going to offer you against a specific car – it depends how much they have invested in the sale of that car, and how many other cars similar to your own that they already have on their lot.
Which compact MPV suits us best?
Hi,
My wife, daughter Daisy (four years old) and myself are thinking of updating our 2005 Ford Focus C-Max 1.6 with 105,000km in the next few months. We recently test drove a 2012 C-Max 1.6 diesel Titanium with about 40,000km on the clock. It was a nice car at €17,500 with a €2,000 trade in for our own so really €15,500. I said we were paying cash, but we could not get more discount. Do you think that’s a fair offer or do you think I could haggle more, as most websites say Ford will barter with you?
Second question. The Ford B-Max seems to be cheaper than the C-Max. Apart from the sliding doors and height of the cabin on the B-Max, is there any other difference? To a layman they both offer the same inside and out. I have read and seen reviews for both cars and there are no major negatives there.
Third Question. We are thinking of trading up and not spending more than €15,000. What is the best option realistically for us in your opinion? Should we consider a different vehicle altogether? We like the higher ride in these cars because it's easier for both adult and child to get in.
Regards,
Ben O’Connor
Ben O Connor (Dundrum, Dublin)Apr 2016 Filed under: choosing used car
Expert answer
Hi Ben,
Well, you can always haggle more and if the dealer isn’t budging, then simply shop around. There are plenty of examples of the C-Max out there to choose from, so don’t get hung up on just the one car if you feel like you’re not getting a good deal. While that does seem like a fair enough price, €17k is top end for a 2012 C-Max, so it had better (a) be perfect, (b) have a full service history and (c) come with a decent warranty.
As for the B-Max, yes there’s quite a big difference. The B-Maxis based on the Fiesta, the C-Max on the Focus so you can see from just that fact that the levels of space on the inside and in the boot are significantly different. Plus the C-Max is a far more comfortable car on a long journey than the B-Max, which can also be sluggish to drive as those sliding doors are actually pretty heavy for such a small car.
As for other cars worth looking at (and I’m assuming you mean against the five-seat C-Max, not the seven-seat Grand C-Max), the Volkswagen Golf Plus offers lots of space and plenty of comfort, as does the five-seat version of the Citroen C4 Picasso.
Here are a few reviews to help you decide:
Which of these cabriolets to go for?
Hi,
I'm looking at three secondhand folding roof hard top coupes for my partner (Ford Focus CC, Astra cabriolet and Volkswagen Eos). Leaning towards an Eos. Can you advise of any potential pitfalls to this regarding reliability or known issues, insurance costs etc? Plus, which in your opinion is the more usable vehicle for everyday use? Also as a curve ball can you suggest an alternative to the above?
Cheers, Alan
Alan Burke (Dundrum, Dublin)Apr 2016 Filed under: choosing used car
Expert answer
Hi Alan,
All are, in general, pretty solidly reliable cars as you would expect, but the issues come with the added weight and complexity of those folding hard-tops. All three can suffer roof failure (often at the point of being half way up or down) and all three suffer equally from increased tyre and suspension wear relative to their hatchback cousins, not to mention higher fuel consumption. None, to be honest, are especially pleasant to drive.
Of the three, I’d say the Eos is the best built, the Focus by a slim margin the best to drive and the Astra fractionally the roomier in the back seat. As an alternative, what about an Audi A4 Cabriolet? You’d have to go for an older one to match the price, but it’s a better car and a better convertible than any of these. Alternatively, if you don’t need the back seats, get a Mazda MX-5 – literally the only small convertible that’s actually worth buying.
Changing company car with €40k to spend...
Hi guys,
Just changing company car, ballpark of €40k ish to spend, but could push if needed more for correct car. Have two children and baby en route. Was thinking seven-seater, but afraid we will loose driving style and enjoyment because of this. Finally, live in country and the idea of 4x4 even in car just seems like right thing to look for, but am I just being crazy?
Any advive would be great, need to make decision this week as soon as possible to get car ordered.
Thanks
Dan
Dan Duffy (Louth)Apr 2016 Filed under: choosing new car
Expert answer
Hi Dan,
Easy answer to this… Ford S-Max. Lots of space for you and the kids, not at all bad looking and, crucially, fun and engaging to drive so you’re not having to hand in your youthful driving exuberance at the MPV door.
When do I change my Ford Focus timing belt?
Does my 2008 Ford Focus Titanium Estate 1.6 TDCi have a timing belt? If so, when should it be changed?
Jorg Lenk (Clonmel)Apr 2016 Filed under: servicing
Expert answer
Hi Jorg,
Yes it does and the recommended change interval is 125,000 miles (210,000km) or every 10 years.
What's the new automatic Tiguan like?
New Volkswagen Tiguan 2.0 diesel automatic: what are they like?
Larry Loughnane (Clonmel Co Tipperary )Apr 2016 Filed under: choosing new car
Expert answer
Hi Larry,
The seven-speed DSG automatic works very well with the 2.0-litre TDI engine. Around town and in traffic is makes driving relaxed and easy while the long top gear means the engine revs remain low on longer motorway journeys. In fact, the noise insulation in the new Tiguan is very good and you'd almost forget that you're driving a diesel.
I also drove the manual version, and to be fair it drive very well too. If you can afford the price jump to get the DSG automatic though I would recommend it.
What's depreciation on the new Ford Ranger?
Is depreciation bad on the new Ford Ranger?
Tim Kennedey (Mallow)Apr 2016 Filed under: resale value
Expert answer
Hi Tim,
No, not too bad. A three-year old Double-Cab Limited model will cost you about €23-26,000 to buy, which suggests a trade-in value of about €19-20,000. That indicates depreciation of a little more than 50 per cent in the first three years, which is basically what you’d expect from any car.
Thinking of buying a high-mileage Mondeo.
Thinking of purchasing an 09 Ford Mondeo diesel diesel with 184,000km on the clock. Should I be worried about the mileage? Is there a better saloon car that you would recommend for long distance driving?
Laura Brown (Dublin)Apr 2016 Filed under: mileage
Expert answer
Hi Laura,
No, the mileage isn’t an issue in and of itself. It all depends how well the car has been cared for. If it comes with a full service history and a stack of paperwork showing how much care and attention the previous owner has lavished on it, then the mileage simply isn’t a worry. If it comes with a sparsely stamped service book and no paperwork, walk away.
What cars are best-suited to importing?
In terms of VRT, what are the best value used cars to import (from the UK) in the large family saloon/mid range exec range?
Brian Quinn (Drogheda)Apr 2016 Filed under: importing
Expert answer
Hi Brian,
Well, it's all down to the CO2 emissions because it's that on which the rate of VRT will be applied. You need to do your homework though as cars that can be quite affordable in the UK can be wildly over-priced in the Irish market leading to you paying more VRT than you really should do.
Ideally, you need to be spending above €30k on a car to make it truly worth your while on importing a car, thanks to the exchange rate. The BMW 3 Series, Audi A4 and Mercedes-Benz C-Class are all well worth looking at, as well as higher-spec versions of the likes of the Skoda Superb, Volkswagen Passat and Mazda6.
