Expert answer

Hi Anthony,

You should be fine, actually. Your 3 Series should (emphasis on SHOULD) be worth around €22-25,000 as a trade-in, and a 171 4 Series Gran Coupe starts at around €30,000-ish, so adding €10k of change-up budget should put you in the right ballpark. Ditto the A5 Sportback, although you will find examples of both on a 171 starting with a €4 rather than a €3… Shopping around a bit should do the trick, though. Both cars are excellent choices, and go for the Audi if you want maximum reliability.  

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Hi Colm,

OK, first off, with that kind of mileage you’re well into the sort of levels that would justify a diesel engine, although the best of the down-sized turbo petrols are still certainly worth looking at. Of the three cars you’ve selected, I’d leave the Astra, as your €10,000 budget won’t get you into a new-shape model, and the older Astra was pretty dull. Of the other two, the Focus is the best, by far, to drive, and has solid reliability, but the i30 is better for interior space, and would be the more reliable in the long run.

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Hi Anita,

A Credit Union loan is still, to be honest, a very good idea. As long as you’re getting a decent interest rate and the repayments are comfortable, it allows you to go into the dealership, cash in hand, and argue a better deal for yourself. You will need to do your research ahead of time to make sure that you’ll be able to get the specification you want. PCP is a good option for keeping monthly repayments lower, as it defers part of the repayment to a ‘bubble’ payment, theoretically covered by the value left in the car, at the end of the deal. PCP is really only good for you, though, if you want to go back in every 2-3 years to change your car for a new one. If you’re intending on keeping the car for longer, then Hire Purchase or the good old Credit Union makes more sense.

Read the CompleteCar.ie guide to car finance here

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Hi Shane,

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Hi Andy,

While I don’t think a diesel car is going to be worthless by the time you trade it in, it might well be worth less, if you see the distinction. That said, with your mileage, I’d say you should be looking at petrol or hybrid all the way. A 2.0 TFSI A6 Avant sounds ideal if you can find one and assuming that you’re already happy that all three kids can fit safely and comfortably in the back. A BMW 520i Touring would be the most obvious alternative (and a darned fine one at that) and a Mercedes-Benz E-Class Estate even better again (assuming you can find one with a petrol engine) and you can find them with seven seats. Volvo’s old-shape V70 is also worth a look, not least from the safety point of view. That said, make absolutely sure you check out a current-shape Skoda Superb Combi estate too — they’re actually roomier inside than any of the premium-badge stuff, and very comfortable too.

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Hi Barry,

The problem with electric cars is that, generally, they’re not rated for towing (I think that the new Nissan Leaf is one of the first with a towing rating), so you’re probably going to have to switch back to petrol or diesel for this one. Probably your best bet is to go for something very conventional, such as VW Golf or Ford Focus, and maybe go for the estate version of one of those to give yourself a little extra versatility. A Toyota Auris Hybird would also work well, and would at least keep you going on half-electric power. Plenty of them around in your price range.

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Hi Vis,

There’s plenty of choice at that price level for a 2008-onward diesel, but the mileage you’ll get will vary hugely according to how you drive. For instance, you could get a 1.6 HDi diesel Citroen C5 saloon within your budget, and that’s capable of doing 60mpg or better, but again that comes down to how you actually drive it. In terms of reliability, you’ll never beat a Japanese brand for that, so go for a Honda Civic 2.2 CDTi, a Mazda3 1.6 D, or a Toyota Auris or Corolla 1.4 D-4D.

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Hi James.

Your best bet here is to look at some high-quality aftermarket suspension parts for your car, such as from Eibach or Bilstein. Fitting Mercedes Comfort suspension to a CLA 45 through the main dealer network is going to be prohibitively expensive, and maybe even impossible.

Our recommendation, which is easy enough to find from online sellers (some might be in the UK, but shipping to Ireland should be no problem), is the Bilstein B16 (PSS10) suspension kit (part number Bilstein 48-230971), a kit that lowers the car by 30mm, but which also has ten-way adjustable dampers, with the softest setting said to provide the maximum ride comfort. Having tried Bilstein’s aftermarket dampers before, we will happily say that the company is an exemplar of its trade and the PSS10 kit should, hopefully, make the ride on your Mercedes-AMG just a little more tolerable.

Budget a few thousand Euro for the kit itself, then the cost of fitting at a decent specialist garage.

Let us know how you get on

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Hi Lee,

It depends on what you want. I reckon that the best new plugin hybrid on the market right now might be the Kia Niro Plugin, which has very good electric only range, and yet manages to do over 60mpg on long motorway runs. An excellent car. The new Prius Plugin is also very good,  but only recently launched so will be beyond your budget unless you buy nearly-new.

If you fancy something a bit classier, the BMW 330e is a really good choice, but bear in mind it’s not as economical as the Kia or Toyota on longer journeys. Here are our reviews for you to read:

Toyota Prius Plug-in Hybrid review

BMW 330e review

Kia Niro review (not the plug-in model, apologies)

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Hi Hago,

Of the three you’ve mentioned, we’d discount the SX4 first. It’s a decent car, but a bit tiny and noisy for long motorway hauls. A Mazda3 would be much better, and hugely reliable, but the Skoda will have a slight edge in terms of comfort (really good seats) so go for one of those would be our advice. Here are our reviews to help you decide:

Suzuki SX4 reviews

Mazda3 reviews

Skoda Octavia reviews