Expert answer

Hi Ashlene,

In the past the Toyota might have been the automatic choice, but Kia has come on leaps and bounds. Toyota still has the reputation for longevity and troublefree motoring, but Kia is catching up, and its seven-year warranty is real peace of mind for a new car buyer.

Looking at the price lists (of the five-door models - the best-sellers), the Rio is available as a 1.25 petrol model for €15,550 to €16,775 or a 1.4-litre diesel for €18,190. They are all in Band A for tax with emissions of less than 120g/km.

The Toyota Yaris can be had with 1.0- or 1.33-litre petrol engines and a 1.4-litre diesel. Toyota offers far more trim levels, and pricing varies from €15,585 (1.0 Terra) to €19,725 (1.33 Sol). All versions appear to be in Band A as well.

Unless you plan on travelling more than say 12,000 kilometres a year it's best to stick with the petrol versions. The 1.0-litre Toyota is the most efficient, but not by much and the Kia 1.25 engine and Toyota 1.33-litre are largely comparable, though the Yaris engine has a little more go in it.

Kia is more generous with its equipment, but only a bit, and there are more Toyota trim levels to choose from so you can tailor your needs. We'd urge you not to go for the entry-level versions of either though (LX and Terra respectively), as the step up to the next model is well worth it for what you get.

So that's the overview. In terms of our personal opinions we prefer the Kia Rio. It feels and looks more substantial and it drives well. Best bet is to go to a Kia and Toyota dealer and try them both out for yourself.

Let us know how you get on.

Expert answer

Hi Patrick,

That's a lot of questions! Let's start with the Santa Fe. Your budget is likely to limit you to the last of the older generation. It's a tough piece of kit, but not great on the road in terms of comfort. It's reliable, though expensive enough to maintain. Early versions had clutch judder, but this should have been fixed in later versions with a new flywheel. We've not heard about diesel pump and injector trouble.

Given that budget we'd rather the Hyundai Tucson. There are plenty of them about and it's much nicer to drive on the road. Saying that, it's a good deal smaller than the Santa Fe. It's not as expensive to service however. It's the same story with the older Sportage, though we'd prefer the Tucson.

The RAV4 is a fine choice all-round. It's generally reliable and good on the road. I wouldn't be very worried about extra wear and tear in the driveline.

Don't forget about the Nissan X-Trail, Honda CR-V and Suzuki Grand Vitara. All worth a closer look.

Has that helped you create a shortlist?

Expert answer

Hi Barry,

Thanks for confirming via email that the total budget including trade-in is about €15,000.

One car that immediately comes to mind is the Honda Jazz. They're utterly reliable, easy to drive and park and are available with a decent enough CVT (continuously variable transmission) automatic gearbox. Here's an example on Carzone.ie. Emissions are in Band B so annual road tax is €225. The seating position is more upright in the Jazz than in most small cars so it's easier to get in and out of.

Another option is the Nissan Note. The automatic version's engine is 1.6-litre in size so emissions are higher, putting it into Band D for tax - costing €481 per annum. Otherwise it compares well with the Jazz, with easy access and good reliability in a compact package. Here's an example on Carzone.ie.

The Nissan Qashqai may also fit the bill, though it's a larger car overall, which I suspect is not what you're looking for.

If you need help narrowing the search down further come back to us - and let us know what you go for.

Expert answer

Hi Rob,

For that budget we are assuming you are looking for a second-hand car. The Honda CR-V springs to mind, but the tax could be a little high for you as your budget will get you a pre-2008 version, which came with 2.0- and 2.2-litre engines. How about a five-door version of the Honda HR-V instead? We found this example on Carzone.ie and it looks the part. The 1.6-litre engine means it's not too much to tax either.

There are loads of Hyundai Santa Fes and the smaller Tucson around at that price too, though again their age and engine size might rule them out for you in terms of tax costs. Same story with the previous generation Kia Sportage.

Don't be tempted by older Land Rover Freelanders.

Another good option is the Suzuki Grand Vitara. A quick search showed that there are several 1.6-litre petrol versions with four-wheel drive within your budget, though most seem to be the less practical three-door body style, so you may need to look around to find a five-door example that suits your needs.

The Toyota RAV4 would be a great option, but keeping your tax bill down on a four-wheel drive version with five doors might be tricky. Recommeded though.

Hope all that helps. If you narrow down your search a little come back to us and we'll help you choose!

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 Samanta,

Since this car was registered before July 2008 its tax is based on engine size. Its engine falls between 1,901- and 2,000cc so annual road tax is €614.

Hope that helps.

Expert answer

Hi Mike,

The only reason you would specifically buy the efficient dynamics version of the BMW 520d is if you want to pay €104 in road tax, you want the best possible fuel economy and you don't mind changing gears yourself. I'd always prefer by luxury saloon car to come with an automatic transmission and in general, the used car market prefers if you do to. 

We could of course, give our opinions as to what is the best of these cars - but the fact is that they are all in and around the same price, they are all very good and they all offer different things. The BMW is regarded as the drivers car amongst the group although increasingly this is being matched by the excellent new Audi A6. The Mercedes is without doubt the most comfortable of these three cars so if have a very relaxed style of driving then the Mercedes might suit best. 

It does really come down to personal choice. The BMW is the best-seller and that probably won't change for some time. Also you have left out the excellent Jaguar XF, and now with a 2.2-litre diesel it is excellent value. That needs to be considered too. 

Expert answer

Hello Mary,

You will probably get offered in and around the €15,000 mark for your S40 Flex Fuel model, but this could stretch to €16,000 if you traded it in against a new car. You didn't mention if you wanted a new or a used small automatic to replace your Volvo, but I will assume that you want a new car. 

I am not sure how small you want to go, but there are a few decent small automatic cars around, but not that many. The best of them would probably be the automatic Ford Fiesta, which is a really great little car for the money. We quite like the Hyundai i20 1.4 Deluxe Auto too. This is a fine little car. My top choice and the one I would buy is the Skoda Fabia 1.2 TSI Sportline with the excellent DSG gearbox, which is simply superb. 

Hope that helps

Expert answer

The arguement for petrol is growing Brendan. While everyone is fixated on diesel the petrol engines are getting cleaner and will come back into fashion. When it comes to fuel economy the gap between petrol and diesel is getting closer and in a lot of cases there is little difference between the road tax.

The 1.4-litre petrol engine in the Passat is more than good enough. So if you want a Passat then you could go for it. There could and perhaps will be less value in the petrol model later on, but if you keep it long enough suddenly this won't become that much of an issue and since you go low mileage then you could keep it for 5 or more years. 

Expert answer

Hi Brendan,

Having just come out of a Volkswagen Golf long-term test car I feel like I can speak with some authority on the car. For a start, it really depends on where you are driving and how far, when it comes to your engine choice.

The 1.6-litre TDi diesel is really good, but it probably isn't worth the extra cost unless you commute is quite long. Otherwise the 1.2 TSi is fine and while it isn't a rocket, it is perky enough. In terms of the the car being big enough, well yes it is. The Golf is fine for one baby and the boot is big enough to take the truly obnoxious buggy I put into it. 

With your budget of €20,000, you would really have your choice of petrol or diesel models so it is really down to what you prefer. I really like this one. And although it is over your budget you would probably come in under as a cash buyer.