Is it a keeper?
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Courtney
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im happy paying whatever i have to for my car.
and to say its people like us that are sending the country to pot is a bit unfair considering it is the people who take on such things and then cant afford to repay them - ive never missed a payment EVER for the car so i dont think its fair to tar people who get cars on finance with the same brush as people who happily go into 'bright house' and buy loads of stuff they never will pay back.
i considered buying second hand at maybe 2 or 3 years older before i got the twingo but i just think if im going to be spending 10 grand on a second hand car what is the difference in paying 12 or 13?
if i had eneded up buying an older car then i would have got something more powerful than the twingo with 75 bhp then i would be paying a lot more insurance anyway.
and who is to say you cant buy a house with finance on a car? yeah theres saving money for deposits and stuff but to be honest, i see old cars as more expensive because they are more likely to have problems, i would rather have a new one that is covered under a warranty than have an older one that i have to fork out money on because its gone wrong.
and at the end of my finance deal i have the choice to either buy the car from the ballon payment of just give it back. it will be in immaculate condition so it should be worth more than the gfv that they say when you get the car so i can have a deposit on new one already.
(rant over and excuse my spelling and if it doesnt make sense, i was angry)
and to say its people like us that are sending the country to pot is a bit unfair considering it is the people who take on such things and then cant afford to repay them - ive never missed a payment EVER for the car so i dont think its fair to tar people who get cars on finance with the same brush as people who happily go into 'bright house' and buy loads of stuff they never will pay back.
i considered buying second hand at maybe 2 or 3 years older before i got the twingo but i just think if im going to be spending 10 grand on a second hand car what is the difference in paying 12 or 13?
if i had eneded up buying an older car then i would have got something more powerful than the twingo with 75 bhp then i would be paying a lot more insurance anyway.
and who is to say you cant buy a house with finance on a car? yeah theres saving money for deposits and stuff but to be honest, i see old cars as more expensive because they are more likely to have problems, i would rather have a new one that is covered under a warranty than have an older one that i have to fork out money on because its gone wrong.
and at the end of my finance deal i have the choice to either buy the car from the ballon payment of just give it back. it will be in immaculate condition so it should be worth more than the gfv that they say when you get the car so i can have a deposit on new one already.
(rant over and excuse my spelling and if it doesnt make sense, i was angry)
Insurance companies make losses at the moment. Therefore are unlikely to pay any corporation tax. You paying more in insurance (which suffers IPT but no VAT) is only keeping a few people in jobs indirectly. It's not going towards any benefit other than subsidising companies with poor management and corporate structures designed to benefit a minority of people within it... if that's how you justify spending that much on insurance.
sdr89
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Sharpy":bxpvv1k6 said:
I agree! U only live once so make the most off it
I think in terms of what you're prepared to pay for insurance it's totally up to that person.
I had two different 1.2 Clios until I was 21, the 2nd was virtually brand new and was a great car. Where I was paying under £1k a friend of mine bought a 10 year old Golf GTI but chose to pay nearly £2k to insure it. Fair enough but I was happy with a lower powered car.
By the time i got to 21 the insurance was reasonable on a Clio 172 so I bought a brand new one.
It's all personal choice, I'd never pay more than £1k to insure a car but thankfully being nearly 30 means that I pay £900 for the Megane 225 and Twingo! haha
I had two different 1.2 Clios until I was 21, the 2nd was virtually brand new and was a great car. Where I was paying under £1k a friend of mine bought a 10 year old Golf GTI but chose to pay nearly £2k to insure it. Fair enough but I was happy with a lower powered car.
By the time i got to 21 the insurance was reasonable on a Clio 172 so I bought a brand new one.
It's all personal choice, I'd never pay more than £1k to insure a car but thankfully being nearly 30 means that I pay £900 for the Megane 225 and Twingo! haha
holliedynamique
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I think you will find that the older the car the more insurance is so its actually the cheaper option getting a brand new car
Citroen saxo for me when i was 17 P reg: £2,340
Citroen C1 58 plate brand new: £360
No brainer!!! everyone assumes that old cars are cheaper on insurance but they are actually not
All my friends said why have u brought a new car its ridiculous on money etc. but when i told them the tax cost and insurance they were all astonished!
My mum and dad wanted me to have a safer car instead of a crappy old thing that has no safety features, i also didnt want to worry about the car breaking down all the time and me having to shell out for this
Citroen saxo for me when i was 17 P reg: £2,340
Citroen C1 58 plate brand new: £360
No brainer!!! everyone assumes that old cars are cheaper on insurance but they are actually not
All my friends said why have u brought a new car its ridiculous on money etc. but when i told them the tax cost and insurance they were all astonished!
My mum and dad wanted me to have a safer car instead of a crappy old thing that has no safety features, i also didnt want to worry about the car breaking down all the time and me having to shell out for this
Insurance companies assess the risk of you claiming so the age of a vehicle and value is not always the decider in terms of you insurance premium. Also an insurance company will often think an old cheap car is less likely to be cared about so assume you're more likely to crash.
My 2002 Lupo, insured for £4k cost more to insure than my Twingo Gordini insured for £14.5k.
That said it's not cheaper overall to buy a new car. When you add up the cost to buy, likely finance and probably interest as well as depreciation and even cheaper insurance doesn't compensate for that.
I've often tried to justify buying new cars as being more sensible. Let's face it, it's not. I'll admit that and I've had a few brand new cars.
My 2002 Lupo, insured for £4k cost more to insure than my Twingo Gordini insured for £14.5k.
That said it's not cheaper overall to buy a new car. When you add up the cost to buy, likely finance and probably interest as well as depreciation and even cheaper insurance doesn't compensate for that.
I've often tried to justify buying new cars as being more sensible. Let's face it, it's not. I'll admit that and I've had a few brand new cars.
Lots of things add up to it though. If you buy a car which a lot of young people drive, and say 20% of them crash then it will be higher. If you buy a car primarily owned by older drivers then it will usually be cheaper. Often it pays to ask how many if the car you are insuring they have on their books to make a judgement on how it will affect your insurance. If you buy a rare care but they've got 2 on their books and neither have crashed it will be cheaper.
Also, cost of parts, typical dealer labour costs (regardless of where the car migth actually be sent in the case of an accident) and post code obviously contribute as well as just: "this car is x group". In fact I often ignore insurance groups and just look at the actual cost since they never give a fair guide with so many variables
Also, cost of parts, typical dealer labour costs (regardless of where the car migth actually be sent in the case of an accident) and post code obviously contribute as well as just: "this car is x group". In fact I often ignore insurance groups and just look at the actual cost since they never give a fair guide with so many variables
sdr89
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I was goin to keep the twingo but decided to get some thing different and hopefully next weekend will be sorting out the paperwork for the new car nothing special at the moment but got plans for the future
Mines a Freeway but it's a keeper for eternity (hopefully).
In a few years time I'll probably opt for something bigger with more power and use the Twingo as a weekend/run around car But want to get my worthwhile out of it and as they're such fun to drive it'd be stupid to get rid of it!
In a few years time I'll probably opt for something bigger with more power and use the Twingo as a weekend/run around car
But want to get my worthwhile out of it and as they're such fun to drive it'd be stupid to get rid of it!Mines deffo a keeper now after my experience of the local renault garage being excellent when I first came to test them... I can safely say there's no reason to ever get rid I plan to run this car as long as posisble as the deposit for the next car is actually going to be a house
after my experience of the local renault garage being excellent when I first came to test them... I can safely say there's no reason to ever get rid I plan to run this car as long as posisble as the deposit for the next car is actually going to be a house
Penn
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Had mine for just short of 3 years, loved every minute of it. Fully paid it off 2 years into ownership with the intention of keeping it until it fell apart
However, I very quickly realised I wanted something more refined, with more features, that looked more grown up and naturally, had better performance. I was about to spend approx 2K on the Twingo in servicing, tyres, engine tuning and very quickly decided that's a false economy as you simply cannot get much more performance out of them.
I nearly opted for a second hand sensible option like a 320d or golf GTD etc but quickly realised I'd be bored out my brains so went for the 200. Love it to bits, I haven't missed my Twingo at all because the 200 is just infinitely better in every way
However, I very quickly realised I wanted something more refined, with more features, that looked more grown up and naturally, had better performance. I was about to spend approx 2K on the Twingo in servicing, tyres, engine tuning and very quickly decided that's a false economy as you simply cannot get much more performance out of them.
I nearly opted for a second hand sensible option like a 320d or golf GTD etc but quickly realised I'd be bored out my brains so went for the 200. Love it to bits, I haven't missed my Twingo at all because the 200 is just infinitely better in every way
singlespeed
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Penn":2vyycg28 said:I haven't missed my Twingo at all because the 200 is just infinitely better in every way
[pantomime voice] Oh no it's not [/pantomime voice] :lol:
Granted, the 200 is a cracking motor, but not in every way IMO. But you and me are happy with our current choice, which is all that matters
Penn
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singlespeed":8bb4cfbo said:Penn":8bb4cfbo said:I haven't missed my Twingo at all because the 200 is just infinitely better in every way
[pantomime voice] Oh no it's not [/pantomime voice] :lol:
Granted, the 200 is a cracking motor, but not in every way IMO. But you and me are happy with our current choice, which is all that matters
Honestly, it really is better in every way! Which is saying something as the Twingo is still an amazing car.
OK there's one thing, the tax is more expensive
What would you say the Twingo is better at than the 200 just out interest?
singlespeed
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Tax and insurance are a bit less, but being an old git, the costs weren't a major factor in the decision.
However, the clio is bigger and less of a go-kart rollerskate. Infact, the twingo is the same size and weight as the once fabulous Clio Willy, whilst progress and the usual evolution of things getting bigger have taken their toll on the clios waistline.
As I said, the Clio is a cracking car, but not what I wanted... My alternative to the RS133 was an Alpina D3, untill I drove it and realised it wasn't what I realy wanted to live with. Plus, the Mrs wouldn't want a D3 handed down in 3 years time, but she has already blagged rights to the Twingo :?
However, the clio is bigger and less of a go-kart rollerskate. Infact, the twingo is the same size and weight as the once fabulous Clio Willy, whilst progress and the usual evolution of things getting bigger have taken their toll on the clios waistline.
As I said, the Clio is a cracking car, but not what I wanted... My alternative to the RS133 was an Alpina D3, untill I drove it and realised it wasn't what I realy wanted to live with. Plus, the Mrs wouldn't want a D3 handed down in 3 years time, but she has already blagged rights to the Twingo :?
