Car advice please.

Need_More_Money_2

Kimberley wrote:

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

Just out of interest, can I ask why you prefer petrol? I don't really have any strong feelings either way, but have recently changed to a diesel car and been amazed how much cheaper it is

Kimberley

Need_More_Money wrote:

Just out of interest, can I ask why you prefer petrol? I don't really have any strong feelings either way, but have recently changed to a diesel car and been amazed how much cheaper it is

I don't know nothing about cars, thats why i'm getting ready a year before i intend to buy one. Someone told me not to get diesel thats all Plus i was told it's heavy on the environment

Need_More_Money_2

Kimberley wrote:

I don't know nothing about cars, thats why i'm getting ready a year before i intend to buy one. Someone told me not to get diesel thats all Plus i was told it's heavy on the environment

That's interesting. I thought the same about the environment, but recently found out that the reason that road tax is cheaper on diesels is because they are actually more environmentally friendly than petrol (so far as CO2 emissions go). I think there are other pollutants from diesel though if not properly filtered

I think the only reason not to buy diesel would be if it cost more to buy the car, compared to a petrol one. Then you would have to do quite a lot of miles to get the money back. Suppose another reason might be that it you accidentally put petrol in a diesel car you're scr*wed

Good luck with choosing something.

mini_mad_dad

buy a classic mini... upto a h plate prolly?

upto 1.3 and injected. cheap to insure, cheap to drive and keep on the road...
join a mini owners club found on google, then you have a new circle of friends and resources to be able to keep you and it on the road and have fun too!
there several mini web sites and forums...
then insure thru specialist for angreed valuation.
dirt cheap!

my mini will keep up and out run my wifes clio
all's delcared to insurance and its still cheaper than the clio

Wig

Need more Money, Sorry, but road tax is 10 pound more on diesel in each banding (post 2001, pre 2001 makes no difference). But the Jury is most definately out on which is the cleanest fuel. Diesel use less than petrol, but petrol is a cleaner fuel. Personally (and I am eco concious) I'd go with a diesel, not least because it will run on vegetable oil which is the greenest of all fuels. Oh and if you put petrol in a diesel it's not a problem (except getting it out again) if you put diesel in a petrol that's a problem.

As to the OP,

You can ofcourse get a quote online from nationwide and tesco and directline try these three (and maybe more) for a quote to see how much your premium will be. I'm guessing about 550 fully comp and about 400 TPFT ??? I could be way off base.

For the car I would choose for you a Peugeot 106 1.5 diesel Insurance grp 3 (low) R,S or T reg costing about 1,000 - 1,900 Road Tax 110 per year.
models include (for ins grp 3):
1.5 D Look+ 3d 3
1.5 D Look2 5d 3
1.5 D Zen 3d 3
1.5 D Zen 5d 3
1.5 D Zest2 3d 3
1.5 D Zest2 5d 3
1.5 XLD 5d 3
1.5 XLD Independence 5d 3
1.5 XND 3d (96) 3
1.5 XND 5d

Now running costs obviously depend on your mileage, and will you have free parking at work? Lets assume 100miles a week @ 50 mpg should be 2 gallons which costs 2 * 4.546 * .95 (litre) = 8.63 pounds per week

Fuel = 8.50 pounds per week (assumed mileage 100 miles per week)
road tax = 2 pounds per week
Insurance 10 pounds per week ??? (assumed premium 500 pounds)
Depreciation on value of car 300/ yr = 6 pounds per week
Loss of interest on 1,500 in the bank = 1 pound per week

Rough estimation total = 27 pounds per week
And we haven't looked at repairs and accidents yet.

Need_More_Money_2

Wig wrote:

Need more Money, Sorry, but road tax is 10 pound more on diesel in each banding (post 2001, pre 2001 makes no difference).

The bands are based on the amount of CO2 emitted per km, and since Diesel emits less per mile (because it is more efficient) the band for a diesel tends to be less for the same type of car.

Kimberley

Wig wrote:

Need more Money, Sorry, but road tax is 10 pound more on diesel in each banding (post 2001, pre 2001 makes no difference). But the Jury is most definately out on which is the cleanest fuel. Diesel use less than petrol, but petrol is a cleaner fuel. Personally (and I am eco concious) I'd go with a diesel, not least because it will run on vegetable oil which is the greenest of all fuels. Oh and if you put petrol in a diesel it's not a problem (except getting it out again) if you put diesel in a petrol that's a problem.

As to the OP,

You can ofcourse get a quote online from nationwide and tesco and directline try these three (and maybe more) for a quote to see how much your premium will be. I'm guessing about 550 fully comp and about 400 TPFT ??? I could be way off base.

For the car I would choose for you a Peugeot 106 1.5 diesel Insurance grp 3 (low) R,S or T reg costing about 1,000 - 1,900 Road Tax 110 per year.
models include (for ins grp 3):
1.5 D Look+ 3d 3
1.5 D Look2 5d 3
1.5 D Zen 3d 3
1.5 D Zen 5d 3
1.5 D Zest2 3d 3
1.5 D Zest2 5d 3
1.5 XLD 5d 3
1.5 XLD Independence 5d 3
1.5 XND 3d (96) 3
1.5 XND 5d

Now running costs obviously depend on your mileage, and will you have free parking at work? Lets assume 100miles a week @ 50 mpg should be 2 gallons which costs 2 * 4.546 * .95 (litre) = 8.63 pounds per week

Fuel = 8.50 pounds per week (assumed mileage 100 miles per week)
road tax = 2 pounds per week
Insurance 10 pounds per week ??? (assumed premium 500 pounds)
Depreciation on value of car 300/ yr = 6 pounds per week
Loss of interest on 1,500 in the bank = 1 pound per week

Rough estimation total = 27 pounds per week
And we haven't looked at repairs and accidents yet.

Thanks wig, if i say look at spending £60 a week on my car that should cover any repairs etc so if i put that £60 into a car savings pot each week, i should be ok

Cheers :beer: I do like fords, but when the time comes i'll check out the cars mentioned in this thread

Need_More_Money_2

For an idea about reliability, look at http://www.reliabilityindex.co.uk/
Ford comes out quite well.

You should really look at getting the car serviced at least once a year + there is the MOT. I would guess service and MOT would cost at least £100/year assuming no major work needed

Kimberley

Thank you :beer:

BobToo

I would agree with the Peugeot 106 idea although I would consider petrol too. It's actually quite a roomy car for the size and quite well made. You don't see many rusty ones. The Citroen Saxo is almost the same car so you can regard them as interchangeable. Both are boy racer favourites so walk away from any that have been blinged up.

Don't go near a Rover (i.e. "Classic" or "proper") Mini. They come from an era when it was normal to spend nearly every weekend maintaining and repairing your car. Terrific cars but strictly enthusiasts only these days.

I think at this price you are better going private. The only difference in a dealer car is some polish and, in theory, some protection. In practice you are unlikely to see much protection. You would be best to find somebody who knows a bit about cars to accompany you on a private sale. Don't forget to inspect the owner too, you can get some clues as to how the car's been looked after there.