Insignia mile muncher?
Discussion
Hello all,
I'm currently driving a Corsa turbo 120 miles a day on my commute. It's not a bad car, quick enough, but I'm looking for something a bit more relaxing and a bit more frugal and after driving my dads diesel Volvo of blandness for the past few days I'm starting to think I don't really need a hot hatch anymore. 98% of my journey is on the A1 and so I might aswell get a car to match the boring drive.
So I've been thinking about a new Insignia Diesel (130hp) in Exclusiv trim(one up from the basic ES trim) with only the infinity sound system option ticked. 0% finance over four years.
Pros:
- 100000 Mile warrenty which should just about stretch over the four years of my around 25k miles a year - no big unexpected bills for four years is a big plus in my mind.
- Fixed amount each month - should be around £350/month according to the website though hopefully try and do better on this. Assuming I get about 4k for my car. I usually get 2 year loans to cover upgrades to my car anyway of about this much/month. Just this is four years.
- Relaxed driving up and down the A1.
- Better on fuel. Currently get about 30mpg out of the corsa on tesco 99 stuff, if I can get anywhere near 50mpg I'll be saveing £150+ a month. Helps out with the finance cost.
- Smart enough to visit customers in. Well, smarter than the corsa.
- Tax should be cheaper and so might be insurance.
- It'll be my first brand new car!
Cons:
- 15k depreciation
assuming it's worth about 4k after the four years
- It's a very boring car, not much fun in it when I do get the chance (although this is very rare these days).
- I'm tied to it for four years and I get bored of cars fairly quickly.
So PH massive....does anyone have any experience of these cars and how are they on the motorway? If it just doesn't have the oomph for a easy drive I'll give it a miss. Yes I know I need to try it myself but I'm not sure if the local Vaux dealership will give me one for the day to try the commute. It'll have the 6 speed manual Also, how economical are they at 80 on the motorway as the better it is the easier it to swallow that 15k depreciation!!
Also, does anyone have any other suggestions? I've looked at leasing but bacause of the miles it always ends up at about the same £350/month but without a car at the end.
ta!
I'm currently driving a Corsa turbo 120 miles a day on my commute. It's not a bad car, quick enough, but I'm looking for something a bit more relaxing and a bit more frugal and after driving my dads diesel Volvo of blandness for the past few days I'm starting to think I don't really need a hot hatch anymore. 98% of my journey is on the A1 and so I might aswell get a car to match the boring drive.
So I've been thinking about a new Insignia Diesel (130hp) in Exclusiv trim(one up from the basic ES trim) with only the infinity sound system option ticked. 0% finance over four years.
Pros:
- 100000 Mile warrenty which should just about stretch over the four years of my around 25k miles a year - no big unexpected bills for four years is a big plus in my mind.
- Fixed amount each month - should be around £350/month according to the website though hopefully try and do better on this. Assuming I get about 4k for my car. I usually get 2 year loans to cover upgrades to my car anyway of about this much/month. Just this is four years.
- Relaxed driving up and down the A1.
- Better on fuel. Currently get about 30mpg out of the corsa on tesco 99 stuff, if I can get anywhere near 50mpg I'll be saveing £150+ a month. Helps out with the finance cost.
- Smart enough to visit customers in. Well, smarter than the corsa.
- Tax should be cheaper and so might be insurance.
- It'll be my first brand new car!
Cons:
- 15k depreciation
assuming it's worth about 4k after the four years- It's a very boring car, not much fun in it when I do get the chance (although this is very rare these days).
- I'm tied to it for four years and I get bored of cars fairly quickly.
So PH massive....does anyone have any experience of these cars and how are they on the motorway? If it just doesn't have the oomph for a easy drive I'll give it a miss. Yes I know I need to try it myself but I'm not sure if the local Vaux dealership will give me one for the day to try the commute. It'll have the 6 speed manual Also, how economical are they at 80 on the motorway as the better it is the easier it to swallow that 15k depreciation!!
Also, does anyone have any other suggestions? I've looked at leasing but bacause of the miles it always ends up at about the same £350/month but without a car at the end.
ta!
I have an 160 Elite Nav Diesel for 60K now and hate it with a passion, poorly made of cheap materials, rattles and squeaks like crazy, radio comes on by itself at random times, good fun at 2am that one !. handbrake has let go twice and car rolled forward into a bush. sat nav freezes, seat heaters have to be replaced every 6 months as they pack up ( drivers side is on third) boots throws water inside when it rains and you lift it up
Only 2 years to go and i can get rid of it
Only 2 years to go and i can get rid of it
Sounds like a rediculous idea. All you're getting out of it is the warranty and at £350/pm you'd be better off buying used and putting money aside for any possible issues, or perhaps getting independent warranty..
Plenty of cars out there for half the initial cost, and certainly half the depreciation that look just as good! If you really wanted an Insignia, sure they're knocking on the 10k line now?
Plenty of cars out there for half the initial cost, and certainly half the depreciation that look just as good! If you really wanted an Insignia, sure they're knocking on the 10k line now?
I use a lot of different diesel mile munchers at work including an estate Insignia. They will do what you need although they are pretty poor to drive when compared to the Mondeo's and Passats we have. I'd test a few of the competition at the same price range first if I were you. You may not mind it but I'd consider almost anything else over one personally.
Madenss I reckon.
4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
dave_s13 said:
Madenss I reckon.
4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
The V70 is the best diesel pool car we have at work. Cracking car.4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
If you are looking at an Insignia, go for the CDTI sri 160, but do not buy new, get a second hand one, you can pick them up for around 8k now.
Vauxhall are clever at their marketing, they make it look like you are getting a great deal by throwing in these extras but in a couple of years you will still owe more than what the car is worth due to depreciation.
Put your 4k from Corsa and a small loan and get something around the 8k mark, that money will get you everything you need.
Vauxhall are clever at their marketing, they make it look like you are getting a great deal by throwing in these extras but in a couple of years you will still owe more than what the car is worth due to depreciation.
Put your 4k from Corsa and a small loan and get something around the 8k mark, that money will get you everything you need.
dave_s13 said:
Madenss I reckon.
4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
This.4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
Probably the best seats for comfort, nice driving environment and superb sound system.
The D5 even sounds pleasant for a diesel and returns decent economy and performance.
Madness.
You could pick up a loan and get one of these:
Volvo V50 diesel £6k
http://www.pistonheads.co.uk/sales/4109186.htm
VW Passat SE TDI £5k
http://www.pistonheads.co.uk/sales/3945941.htm
Keep them serviced and they will happily do 25k a year.
You could pick up a loan and get one of these:
Volvo V50 diesel £6k
http://www.pistonheads.co.uk/sales/4109186.htm
VW Passat SE TDI £5k
http://www.pistonheads.co.uk/sales/3945941.htm
Keep them serviced and they will happily do 25k a year.
dave_s13 said:
Madenss I reckon.
4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
Lovelly way to waft 25k a year! That looks good value too. 4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
Thanks for the quick replies!
And yes....depreciation will be killer! That I think is the worst bit about it. But spread out over four years with the fuel/repairs saving compared to MY CURRENT CAR it's not much more to run.
IWantAVolvo said:
Get something like a 1.9 VW Passat. Old one, say £1500, a friend had one on 240k and sold it two years ago, its still running now. Very little faults. And even if it does go wrong, buy another, you'll still loose less than the depreciation on an Insignia
Not looking for an old old car. I work miles from home and all my spare time is worth more to me than getting car bits fixed and or goin to buy a new(old) car to replace ones uneconomical to repair. Used would be a low milage young car which is the route I would usually look to take.lesstatt said:
I have an 160 Elite Nav Diesel for 60K now and hate it with a passion, poorly made of cheap materials, rattles and squeaks like crazy, radio comes on by itself at random times, good fun at 2am that one !. handbrake has let go twice and car rolled forward into a bush. sat nav freezes, seat heaters have to be replaced every 6 months as they pack up ( drivers side is on third) boots throws water inside when it rains and you lift it up
Only 2 years to go and i can get rid of it
Doesn't sound good. To be fair to the corsa over the past year it's needed nothing other than rear wheels bareing. The cabin is fine...heaters fine etc. Don't know if the build quality is worse on the insignia.Only 2 years to go and i can get rid of it
dave_s13 said:
Madenss I reckon.
4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
Yep the S60 (might be a S70!) I've been driving is great...but to get a newer low milage one it's going to be 20k+ isn't it and add on the finiance costs over the same term and it's pushing it. The stereo in it is definatly epic though. Fantastic sound out of it! I did have a Mondeo estate for a while and it was a great car too....just bits and bobs started failing when it got to 60000 miles and a year out of warrenty. Like I said the 'hassle free' motering out of a 100000 mile warrenty is very apealing. Then again, third party warrenty might be a good idea. Are these particularly expensive and do they actually work?4 years in an Insignia would be properly depressing.
Be a chip off the old block and get yourself a Volvo. S60/V70 - perfect for floating up and down the A1.
The V70 has an epic stereo as standard.
If you can sell your Corsa for 4k and then add to that, then something like this will easily have 100k miles left in it.
http://www.pistonheads.com/sales/4121804.htm
And yes....depreciation will be killer! That I think is the worst bit about it. But spread out over four years with the fuel/repairs saving compared to MY CURRENT CAR it's not much more to run.
chrisp84 said:
...the 'hassle free' motering out of a 100000 mile warrenty is very apealing....depreciation will be killer
It's going to cost you £15k in depreciation. Buying an older car and you may only suffer £5k depreciation. The remaining £10k can either pay the bills when (IF!) they arise, or buy a used car warranty.Lets not forget, new cars will still go wrong sometimes - it's just with the warranty you get someone else to pay for it. So you still have to drop the car off with them etc and it's still hassle. So no better than getting an older car and paying from your own pocket with the money you saved on depreciation.
I'd get a low interest loan, but a car outright and then pay the loan off in monthly payments, and stick some money into a rainy day car fund account for it/when you get bills on it. It will end up costing you less, and you'll have an older car, not a brand new one - but that means you can probably get a better spec, or save buckets of cash on a low spec one. There's always a premium to buying new.
But, buying used isn't for everyone, so there's no universal right or wrong answer. I've just tried to address some of your concerns so you have more balanced info before making your decision.
chrisp84 said:
Yep the S60 (might be a S70!) I've been driving is great...but to get a newer low milage one it's going to be 20k+.....
Just buy the one I linked too. It's only got 55k miles on it. That engine will do north of 200k easy.It's still got a Volvo warranty on it too, I bet you can extend that as required.
You don't need to spend £20k to get a decent car to do 100k miles in.
If your Corsa is worth 4k then 5k loan over 3 years is what £150 odd a month?
If you put the extra £200 per month you were going to spend on the Vx into a savings account it will easily cover your running cost (and then some!!).
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