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I need a newer car with lower running costs. Help!

Hi,

I am currently driving a 2002 Peugeot 307 three-door 1.6 petrol with 63,000 miles on the clock. Having a son now makes the three doors pretty impractical and the car is expensive to run. I was taken in by Renault's recent ad campaign for the 'Carculator'. It compares all your outgoings on your car with the costs of running a brand new Renault. The problem is, although I could probably purchase say a new Mégane for about the same money per month as my current outgoings on the Peugeot, this involves a deposit of about €6-7k. The Peugeot is only worth about €1,500-2k at best in trade in and I don't have that much extra cash to throw at it.

This got me thinking though, I should be able to purchase a 2-3 year-old car that is substantially cheaper to run and still be able to make repayments on a loan. My current costs on the Peugeot are €514 on tax, about €900 on petrol to cover 4,500 miles annually, approx €600 on servicing plus it needs two new tyres at €130, and €55 on NCT. This comes in at €2,200 for the year. This is where I would like your help. I am sure there are cars that would cost €800-900 a year to run including all these costs, which leaves me with €1,300-1,400 to cover loan repayments for the year.

Can you suggest a car with low tax, far better fuel efficiency, low servicing costs that won't need an NCT for a few years and that with a €2k trade-in, will have relatively low monthly repayments over say five years? I know it's asking a lot but with your knowledge of the market, I hope there might be some possibilities for me.

Thanks,

Rowland (Dublin 5)

Rowland Crawte (Raheny)

Mar 2014 Filed under: choosing used car

Expert answer

Hi Rowland,

OK, there are a lot of parameters to go with here, but the basics are that you need a car that's cheap to buy (so it can't, sadly be too new), has affordable running costs and won't break down every time it rains. I reckon that gives you a choice of three or four key models: Honda Civic, Toyota Corolla or Auris, Kia cee'd or Hyundai i30.

Have a shop around and you should be able to find several of those all well within your purchase price range, while they all have efficient engines and excellent reliability records. In the case of the Kia and the Hyundai, they also have lengthy warranties, which, even if there's none left on the one you buy, at least means that they're more likely to have been looked after. My personal choice would be the Honda. Track down a nice 1.4 petrol Civic and I don't think you'll look back.

Let us know how you get on


Ford C-Max or Toyota Verso?

Hi guys,

Which one of these family cars is better? Ford C-Max 1.6/1.8 or Toyota Corolla Verso?

Mossy King (Ennis)

Mar 2014 Filed under: choosing used car

Expert answer

Hi Mossy,

Close call really. Both are excellent and the C-Max is far sweeter to drive than the Toyota. But, the Toyota is bigger inside and Japanese reliability means you'll be shelling out less for running costs. Go for the Verso.


Which insurable starter car should I go for with €3,000?

Hi, I have about €3,000 to spend on a starter car. Most of my driving would be on the weekends sight-seeing. Insurance would be a factor with the engine size. The 1.4 petrol Golf seems to the most reasonable with insurance.

Thanks

Gary Fitz (Dublin)

Mar 2014 Filed under: insurance

Expert answer

Hi Gary,

Very, very hard to go wrong with a Golf for your starter car. Cheap to buy and maintain, but if you get a nice one, clean it and care for it, it'll look every bit as classy and desirable as a brand new one. The 1.4 has all the performance of a slow moving glacier, but that's probably why the insurance is so cheap. It's also worth having a look for a nice 1.4-litre MINI One, if only for the sheer fun of the thing, or if you wanted to be really, really sensible (and shave even more off the insurance) you could track down a 1.0-litre Toyota Yaris.

Let us know how you get on


With €4,000 what will I upgrade my Peugeot 206 CC to?

Hi, I have a 2002 Peugeot 206 CC, which I love but need a slightly bigger car. I am looking at a 2006 Peugeot 207 CC at €4,000 with low mileage (22,000 kilometres). Is this a good car to change to? Alternatively a small SUV would be good, but my max budget is €4,000. What do you think?

Many thanks!

Emma Webb (Dublin)

Mar 2014 Filed under: choosing used car

Expert answer

Hi Emma,

It's not bad, and the 207 represented a major leap in quality over the old Peugeot 206. That said, it's heavier (to the detriment of fuel consumption) and that folding roof mechanism can be worryingly unreliable. Keep an ear out too for any unhappy noises from the suspension - wheel bearing and suspension damper failures are common while a malfunctioning radio LED display in the cabin is an expensive, and all too common fix. 

In terms of a small SUV, that kind of budget will get you in to a Hyundai Tucson (very, very reliable but you'll only get a petrol version for that budget) or a Toyota RAV4 (likewise), both of which are fine purchases. You could think about going up a size to, perhaps, a BMW X3 or Mercedes-Benz ML-Class, but at that money you're into a world of potential unreliability so tread carefully.

Let us know what you go for


Can I import a commercial SUV and save money?

What is story regarding Toyota and Land Rover new five-seater commercial SUVs? Is it possible to buy a second hand SUV in England and bring it over and make it a commercial and keep five seats? That would be a big cost saving.

Noel Kelly (Galway)

Mar 2014 Filed under: importing

Expert answer

Hi Noel,

You can indeed get a lower rate of VAT and VRT when importing a commercial vehicle from the UK. For VRT you'll pay 13.3 per cent of the Open Market Selling Price (OMSP) - the price that Revenue reckons the car is worth in Ireland, not what you paid for it. Buying second hand in the UK and having the car converted is also a fine idea, but best to have the conversion done in the UK so that the car is already in commercial form when it lands here.

By the way, all this only applies if you're bringing in a commercial vehicle to use for work purposes. If you're using such a vehicle for social, domestic or pleasure use and paying VRT, VAT and motor tax at the commercial rate, you're technically breaking the law.

Here's our full guide to importing a car from the UK


What would be the best second hand SUV to go for?

What would be the best second hand SUV to go for?

Ash Crossan (Portlaoise)

Mar 2014 Filed under: choosing used car

Expert answer

Hi Ash,

It very much depends on your price bracket and what your requirements are in terms of size. If you want something small, cheap and fun to drive, why not try either a Nissan Juke or MINI Countryman? Need something with a bit more space and practicality? Nissan Qashqai then, or better yet, a Skoda Yeti. Want to get something with a lot more size and some proper 4x4 ability? Go for a Honda CR-V, a Hyundai Santa Fe (you can get those with seven seats by the way) or, a Nissan again, this time the under-appreciated X-Trail. Want something seriously big and impressive? Well, a Range Rover Sport is always a good buy but be sure to put aside plenty to cover the running costs. A Toyota Land Cruiser is rather less exciting to drive or to look at but its reliability is little short of legendary. Or, if you want something really cheap and old that can pack some abuse and come back for more, try either a Suzuki Grand Vitara (smallish) or a Mitsubishi Pajero (big). Both are reliable, both can off-road properly and both can be tracked down at bargain prices, as long as you buy according to condition, not age or mileage.

Come back to us if you need more help


Ford Focus or Toyota Avensis?

Which would be a better buy, a 2001 Ford Focus diesel 1.8 with 177,000 miles on the clock or a Toyota Avensis 2.0 diesel with 155,000 miles?

Thanks

Andy Burnett (Roscommon)

Mar 2014 Filed under: choosing used car

Expert answer

Hi Andy,

Well, they're two quite different cars. The Avensis is significantly bigger than the Focus, so if it's space you're looking for, that's the one to go for. To be honest, I think it's the Avensis to go for anyway. Assuming the prices are similar and condition and history are good, then Toyota's build quality and reliability is just that little bit ahead of Ford's, so its long-term longevity should be better.


How economical is the Toyota Yaris diesel?

I'm looking to downsize my car, and am leaning towards a Toyota Yaris 1.4 diesel. I do a lot of miles, and am a single mum, so need something reliable, with cheap tax and good economy. Can you tell me roughly the mpg I can expect from an 08 model?

Thanks

Dawn Higgins (Edenderry)

Feb 2014 Filed under: diesel

Expert answer

Hi Dawn,

Well, according to the official figures, a 2008 Yaris 1.4 D-4D should give you about 62mpg. But, it's a car you're probably going to have a deal of trouble tracking down as few will have been sold here in the first place because of the price premium over the 1.0 and 1.3 petrol versions. A 1.0 petrol Yaris won't be quite so economical on a long run, but the fact that it will be easier to find and cheaper to buy may well outweigh that.


How to improve my Toyota Corolla's radio?

Hi,

I have a 2002 Toyota Corolla and of late the reception on the radio is very intermittent. I was going to buy a new aerial but I am wondering what would you suggest to improve this?

Regards,

Eamonn

Eamonn McDermott (Limerick)

Feb 2014 Filed under: fault

Expert answer

Hi Eamonn,

It sounds as if you have a loose connection, which is quite common with newer designs of aerial that use small and often fiddly antennae. Anyway, your best bet is to bring it to your nearest Toyota dealer, as they’ll more than likely have a pretty simple fix for it.


Tell me about the 2004 Toyota Corolla.

Tell me about the 2004 Toyota Corolla.

Jason O'Connell (Limerick)

Feb 2014 Filed under: choosing used car

Expert answer

Hi Jason,

A really good car, that 2002-2007 Corolla. 'Quiet' looking inside and out it may be but the strength of the engineering underneath is palpable. The sheer quality of the cabin was vastly ahead of any other contemporary rival (even the supposedly tank-like Volkswagen Golf Mk IV) and the primary engine, a 1.4 petrol VVT-i unit, out punched most rivals by about 15- to 20hp while also being more economical.

It's also surprisingly good to drive. It'll never set your shoes on fire, so to speak, but in a former life I thrashed one around Mondello Park and it showed a depth of competence in the chassis that would surprise most Corolla drivers. 

On the reliability front, there's little or nothing to worry about. The only recurring complaints seem to be rear lights that allow condensation to build up inside and annoyingly squeaky brakes.