Car advice please.

Kimberley

I wanna buy a car next year

I'm in the process of saving £40 a week for a year towards a car and first time insurance which will be high as i will hopefully have passed my driving test by then.

I want to ask all car owners how much they spend each month towards the running of their car, so that i can get a rough idea of how much i would have to spend out and whether or not it is worth me paying out for driving lessons only to find out i can't afford to keep a car at the end of it all.

To get my first time insurance as cheap as possible i want to buy a small car with an engine of 1.3 or smaller and spend out about £1000-£1500 for a good runner. The car would have to run good on petrol. So any advice on the type of car that would be ideal for a small budget would be ideal. What sort of reg would i need etc?

MrsM_4

not sure what I spend a month, only on insurance, my costs are low because I don't do many miles. I would mention the car tax tho, these have changed just recenlty and are quite varied depending on your choice of car.

There is a banding system from a - the new G band. To find out which band your car would be in you need the CO2 emission figure from the logbook. Mine is 145g and is a C banding. This is also offset because it is newer than mar 2001 and is differently priced to a petrol car of this model.

So a fair bit to take in now on this.

This site will probably explain it better than me.

http://www.dvla.gov.uk/vehicles/taxation.htm

My friend has the same car as me but it is 2 years older. My tax is £110 per year and his is now £175 - get my point!

I admire your forethought and planning :A

mm

Need_More_Money_2

Kimberley wrote:

I wanna buy a car next year

I'm in the process of saving £40 a week for a year towards a car and first time insurance which will be high as i will hopefully have passed my driving test by then.

I want to ask all car owners how much they spend each month towards the running of their car, so that i can get a rough idea of how much i would have to spend out and whether or not it is worth me paying out for driving lessons only to find out i can't afford to keep a car at the end of it all.

To get my first time insurance as cheap as possible i want to buy a small car with an engine of 1.3 or smaller and spend out about £1000-£1500 for a good runner. The car would have to run good on petrol. So any advice on the type of car that would be ideal for a small budget would be ideal. What sort of reg would i need etc?

Depends how many miles you do. In a small petrol car, you will probably spend about 10p/mile on fuel but depends on if you do mostly local or motorway driving. Diesel cheaper per mile and for road tax but might cost more to buy a diesel car.
Have a look at confused.com, type in some details to get some ideas of insurance costs

Kimberley

I would only use it local for work as i pay out £8 a week on bus fares as it is and for two London journeys a month and some seaside runs in school holidays etc. Oh and some supermarket runs and taking kids to town for swimming etc. I won't use it heavy, it's just to get me out and about as i live in a small community area and need a small car really, otherwise the bus fares do mount up.

highguyuk

Firstly, there is a dedicated motoring thread where this question would be better asked. Im sure that a moderator will eventually move your thread over ...

Secondly, you want as small an engine as possible. Apart from that £1000-1500 isn't going to give you lots of room but enough! Do you want to buy private/garage/auction? Anything specific you would like? 5 door maybe?

Nile

Hello Kimberley


I'll move your thread over to the 'Motoring & Public Transport' board, where it should get more views and responses.

Hi, Martin’s asked me to post this in these circumstances: I’ve asked Board Guides to move threads if they’ll receive a better response elsewhere(please see this rule) so this post/thread has been moved to another board, where it should get more replies. If you have any questions about this policy please email [email="abuse@moneysavingexpert.com"]abuse@moneysavingexpert.com[/email].

Regards

Nile

vansboy

Think Fiesta & you'll not go far wrong.The smaller petrol engines are economical enough, without going the diesel choice. Plenty around, so don't buy the first one you see.

Diesels of most makes at this price range, could be a bit of an unwise choice, unless you can be sure of it's history - they do last well, engine wise, but can be expensive to sort out, if you did have an engine problem & you might also move into higher road tax costs.

http://www.honestjohn.co.uk clik The Backroom Discussion & ask there

VB

Need_More_Money_2

vansboy wrote:

Diesels of most makes at this price range, could be a bit of an unwise choice, unless you can be sure of it's history - they do last well, engine wise, but can be expensive to sort out, if you did have an engine problem & you might also move into higher road tax costs.

http://www.honestjohn.co.uk clik The Backroom Discussion & ask there

VB

Why would road tax be higher? From what I've seen diesels are generally lower tax for same engine size, because the emissions per km are lower

Garetha

Don't forget to use Martin's insurance advice
And consider clicking via Quidco to get £80 back if Lloyds TSB is a good quote

In my case Lloyds TSB wasn't the cheapest - but the money back made more than the difference. My actual policy is with Churchil.

Quidco also do a good deal with Zurich, AA, Barclays & Saga!

Also look at Martin's breakdown advice.

Kimberley

highguyuk wrote:

Firstly, there is a dedicated motoring thread where this question would be better asked. Im sure that a moderator will eventually move your thread over ...

Secondly, you want as small an engine as possible. Apart from that £1000-1500 isn't going to give you lots of room but enough! Do you want to buy private/garage/auction? Anything specific you would like? 5 door maybe?

I wouldn't buy from auction and to by private i wouldn't know what to look for to see if the car is worthy or not, so i guess i'd buy from a garage Yes 5 doors

Kimberley

I'd prefer to buy petrol and Unleaded if possible. I'll check out Martins insurance advice etc later, i'll make out i'm buying a car and get some quotes. i want to work out if i can afford to keep a car first before i start driving lessons.

Some of you have cars, so you must know roughly how much a year you spend out on it