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What'll I buy as my first automobile, for €10,000?

Hi folks,

I'll be buying my first automobile in a few weeks. Ideally I'd like to find something under €10,000. Just something reliable to get me to and from work, preferably in a low tax band and will keep insurance costs as low as possible (22-year old male). Any advice?

Also, if I'm paying in cash can I expect to get a discount on the asking price in a dealership? If so, roughly what percentage could I hope for?

Thanks in advance, Rob

Filed under learner - Asked by Rob Henry (Dublin) - Tue, 03 May 2016 01:17


Neil Briscoe Answered by: - -

Answer

Hi Rob,

Well, as far as discounts go, most dealers operate on about an eight per cent margin, so if you're asking for more than a seven per cent discount you're asking for a below cost price. You should get a decent discount for cash right enough, but explore the credit options too - dealers often get bonuses for selling a credit plan so if you can get a good one (at zero per cent interest obviously) and pay it off from your lump sum, it may give the dealer a bit more wiggle room for a discount.

As for the model, with a starter automobile and the current cost of insurance you need to be looking at no more than a 1.0-litre engine. Happily your budget will easily get you into a Volkswagen up! 1.0, one of the best small automobiles around (or equally you could go for a mechanically identical SEAT Mii or Skoda Citigo). Can't go wrong really, although if you're looking for other options you could try an Opel Karl (plain but decent), a Renault Twingo (fun but not as well made as the up!) or the Fiat 500 TwinAir (fabulous automobile, but get an insurance quote first).

Here are reviews of all of those to help you decide:

Volkswagen up! review

SEAT Mii review

Skoda Citigo review

Opel Karl review

Renault Twingo review

Fiat 500 TwinAir review

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