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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


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


Help: I need a small MPV to carry my three granddaughters!

Hello,

For financial reasons I have to sell my 2005 Citroen Xsara Picasso diesel. I really like the style of the car and therefore I would like to stick with Citroen. Vitally important though is: it MUST have three seat belts in the back. So I am looking for a smaller and cheaper to run vehicle. I will have about €2,000 to spend. Can you tell me what cars of under 1.6-litre have the required three seat belts? I have three grand-daughters!!!

Many thanks,

Sinéad L. Rush, Co. Dublin

Sinead Lamont (Rush)

Mar 2014 Filed under: choosing used car

Expert answer

Hi Sinead,

Okay, so you want to stick with Citroen, need three across the back and an engine under 1.6 litres. That's a tricky combination, but why not try a C3 Picasso? That's a crackingly good small MPV and it comes with Citroen's super economical 1.6 diesel. Or, with a bit of searching, you may be able to track down a 1.4 petrol version. 

As for the back seat, I've personally managed to get three child seats in, but it can be a bit of a squeeze. Depending on the age of your granddaughters though I may have a solution. Have a look online for a company called Bubble Bum. They make inflatable booster seats that both store flat when you don't need them and which are usually a little narrower than the bigger boosters. That could save you a crucial bit of space.

Let us know how you get on


What cars should I consider for a 17-year old girl's birthday?

What cars should I consider for a 17-year old girl's birthday? It has to be safe and with lowest insurance class possible?

Kal Ell (Rush)

Mar 2014 Filed under: learner

Expert answer

Hi Kal,

Right, you need to be aiming for an engine under 1.0 litres to keep the insurance costs as low as possible. If you're buying new, how about a Volkswagen up! or a Hyundai i10? Both excellent, both very safe. If you're buying used, stretch the insurance budget to a 1.2-litre engine and track down a nice, well cared for Nissan Micra - safe, easy to drive and ultra-reliable.

What do you think?


Help me choose a small, reliable, economical car to run.

Help! I'm looking at buying a new car - I currently have a 1.0-litre petrol Nissan Micra and I have a 110km round trip commute to work five days a week. I am looking for a small, reliable, economical car to run.

Any help would be greatly appreciated.

Elaine Henry (Sligo)

Mar 2014 Filed under: choosing used car

Expert answer

Hi Elaine,

If you want to stay with a small car then can I suggest tracking down a nice Ford Fiesta? Your €8k budget won't quite stretch to a new EcoBoost model, but the older 1.25 petrol engine is still a sweet, economical and reliable unit.

If it's maximum economy you're after then you need to think of a small diesel. How about a Peugeot 207 1.4 HDi? Hard to track down but 65mpg is easy.

Better yet, you could trade up altogether. €8k should get you into a nice 2008 SEAT Leon 1.9 TDI - hugely reliable, spacious, economical and really good to drive.

Let us know what you think


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


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.


Is this Ford Focus a good buy for my daughter?

I'm thinking of buying a 2002 Ford Focus 1.4 for my daughter. The seller is looking for €1,950; do you think I'd get it for cheaper?

Brid Sexton (Cork)

Feb 2014 Filed under: learner

Expert answer

Hi Brid,

You might be able to but I'd suggest if you're buying it for your daughter you may not want to! Make sure you get a good one and be aware that the Focus didn't have anti-lock brakes (ABS) as standard back then and many cars were sold without it. Worth tracking down one with that life-saving tech.

Let us know how you get on or if you need more help


Does the Volkswagen Bora have an NCT-failing problem?

Why there is so many 2000 Volkswagen Boras on the market at decent prices, but without an NCT? Is there any problem with getting an NCT for this car? Something about emissions maybe?

Rafal Krakowiak (Dublin)

Feb 2014 Filed under: NCT

Expert answer

Hi Rafal,

There are no problems that suggest themselves as a likely culprit. The Bora is more or less mechanically identical to the Golf, so has the same solidity and suffers the same basic niggles - if there were a problem causing Bora NCT failures, it would be happening to Golfs too. Certainly, Volkswagen Ireland is unaware of any particular Bora issue when we asked for a comment. 

The only thing we can think of is that the Bora has slightly stiffer, sportier suspension than the Golf and that could potentially lead to wear and tear on things like bushings and track rod ends. Given the age of the cars you're looking at, that could be the problem, although in fairness, any 10 to 14-year old car could be suffering from that kind of problem, especially if it's an original Irish car.


I want to replace my Yaris with a MINI.

I currently drive a 2008 Toyota Yaris Luna, 1.0, five-door, petrol. I've had the car since 2008 but didn't buy it new; I'm the second owner. It has never given me a minutes trouble, I've had it serviced most years at a main dealer, no major issues have ever come up - just new brake pads and other small things that you'd expect when you've been driving the car for years. I bought the car with a loan from the credit union, which I've paid back so there's nothing owed on it.

All that being said I'm really bored of it! I've wanted a MINI since I was in my teens and I would absolutely love one! I can probably only afford to spend an extra €1k max on top of trading in my Yaris. Do you have an idea roughly what the trade-in value for the Yaris would be? Seeing as I'd have to buy an older MINI would I be opening myself up to a bigger chance of expensive things going wrong with the car? All I've ever had to spend on the Yaris is service costs and new tyres so am wary of changing for that reason.

Stella Greene (Dublin)

Jan 2014 Filed under: choosing used car

Expert answer

Hi Stella,

OK, the good news is that your Yaris is an in-demand model and values for cars from around that era are holding up well because of the scarcity of new car sales since the financial crash. I'd hope that you'd get around €8,000 for it, but let's play safe and assume you get €7,000 and you can add your €1k to that. That opens up an entire world of MINIs to you, and not just old models - you should be able to get into the second-generation post-2006 model, which is noticeably more refined and well made. I'd suggest trying to track down a nicely specced 1.6 Cooper and enjoy the heck out of it. As a MINI owner myself, I can tell you that they're great fun to drive and not quite as impractical as you might think.

Now, reliability. There's no two ways about it - Toyotas are staggeringly reliable and break very rarely. MINIs aren't bad, not bad at all, but they're just not quite as bank-vault solid as the Japanese car. Buy carefully, make sure you get one with a full and complete service history and you should be fine. Regular servicing isn't too pricey (about €190 for a normal service) and fuel economy should be pretty good too.

Hope that all helps