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Buying a car

raingirl
August 9th, 2005, 07:59 PM
I know, more questions.

I found out today that my old car is basically on it's last legs. I know someone (a mechanic) who wants to buy it and fix it up. That's fine.

So I need to find a new car asap...at least within a month or two.

I did some insurance quotes with a couple companies for the cars I was looking at (99 to 01 economy cars with Toyota, Honda, and Acura). All the quotes I am gettings are INSANE! The lowest I could get was $5000 a year! Is this outrageous or am I just not up to speed on car insurance costs? I can afford $350 max per month all in for car payments and insurance and gas/maintenance, so this is way out of my price range.

Is it just that high because I'm looking at newer cars? Would older cars be cheaper?

BMDLuver
August 9th, 2005, 08:07 PM
Insurance has to do with your age, if you have another driver, your driving records, the age of car, car use, etc.. it could very well be that you are in the wrong age bracket still and live in GTA so that doesn't help. Try Wawanesa, we found they have the best rates.

happycats
August 9th, 2005, 08:13 PM
That very high! but if you have never had insurance before, they treat you like your a new driver and thus the high rate.
Our insurance only went up $35.00 per month going from a 1990 to a 2002 car! We also get a non-claim discount, for every 5 years without a claim we get a 5% discount.

raingirl
August 9th, 2005, 08:21 PM
But I have had insurance as a listed driver with my parents for close to 10 years (since I was 18), and BF since 1986, just never under our own name. And I didn't think Brampton was condered GTA (I know Caledon isn't and it's only 20 min from here). I'm 27, BF's 34, so not too young, and we have perfect driving records, neither of us have had a ticket or accident ever in our driving records. I will be using the car for to and from work, but that shouldn't make such a HUGE difference should it? And it's not like a 99 or 2001 is too new. And it's small cheap cars I'm looking at like Toyota Echo or Honda Civic.

BMDLuver
August 9th, 2005, 08:34 PM
Work related driving brings up the premium. You were considered a secondary driver on your parents cars so not the primary insured. I don't know if Brampton is considered GTA or not.

Puppyluv
August 9th, 2005, 08:38 PM
:eek:
That's outrageous, considering that you have a spotless record! (My brother's is $9000 a year, but that is 100% his fault, and so he's not allowed to complain :p )
Although it costs a little now, have you considered a drivers-ed course? I mean, clearly you already know how to drive (and safely to boot) but many insurance agencies will charge you less if you have taken a recent class.
Just a thought

raingirl
August 9th, 2005, 08:55 PM
It SUCKS! I have been entering in different vehicles/years in the TD insurance quote generator for about an hour, and all are about $4500 to $5000. I think it's because I driver to work 44 km one way. We may move soon and I will get to drive less, but moving closer means I'm in the GTA and rates will go up in that catagory.

What sucks is I am doing it on my own too, because BF can't help as he gets paid a lot less than me. I know technically he is supposed to be listed, but the price goes down if he isn't. I guess I will have to be the only driver. With that I get it down to about $3500...so about $300 a month. Still too expensive for me alone, with car payments and gas/maintenance. I don't want to go much older than 1999 because the car will have more problems.

jjgeonerd
August 9th, 2005, 09:00 PM
Have you ever had to insure a car that you are making payments on before? Here in the US that makes a HUGE difference because you are required to carry different coverages. Those prices sound outrageous either way though. Cars suck sometimes! :mad:

Puppyluv
August 9th, 2005, 09:00 PM
Are the quotes only for Direct Compensation- Property Damage coverage? Or is it more inclusive?
you could always get an old volvo.. .they last forever, but they aren't the sleekest cars in the world

raingirl
August 9th, 2005, 09:02 PM
I've never insured my own car, I've only been listed as a driver on my parents policy. This will be my first car on my own. And unfortunately, I do need it for work. A few times a month I need to make trips outside the office on business, and need the car for that, and it's random (don't get prior notice) so I need to have the car every day, otherwise I would take the bus as I hate driving.

The quote is for the mandatory basic coverages, and I raised the deductibles to $1000 instead of the standard $500, and got rid of all optional coverages.

Puppyluv
August 9th, 2005, 09:05 PM
Also-consider theft rates... the Acura for example is a highly-thieved car, resulting in higher insurance rates.

Lizzie
August 9th, 2005, 09:18 PM
I would suggest you call the insurance companies directly to get a quote--they have no problem doing it for several cars as they just keep your info on file and let you change it up when you want to test out something new. They don't make you get insurance with them either if you find something better...

As we drive a Honda, I can't imagine any reason why you would pay that much in insurance other than the drive to work...and/or they see something in you file that makes them worry. I don't know what that would be, but an insurance person could hopefully explain to you why it is so high.

I wouldn't just use the online one's to do this---they aren't always right as we non auto insurance literate ppl dont always know what is appropriate to select.

coppperbelle
August 9th, 2005, 09:20 PM
We just went through the car insurance hell with my 18 year old son. In Quebec insurance rates have a lot to do with the kind of car you are insuring. Cars like Honda's, Acura's etc... are more expensive because they are stolen more often.
We found American models like Cavalier's, Sunbird's, etc... were much cheaper. When calling a company ask them to tell you which models are less expensive to insure.

Prin
August 9th, 2005, 10:06 PM
Cavaliers and Sunbirds are very unsafe though- they do the worst in all the crash tests, especially the side impact ones. And they're far less reliable and fuel efficient...

I suggest shopping around. My insurance is $850/year for a 1997 Acura 1.6 Sport, and I'm younger than you with speeding tickets on my record (a few). Granted I was first driver since I was 16, but even back then it was only $1300. There are association discounts, so if you are an alumni at a certain university, or even a student there, you may be able to get a discount somewhere. You may also get a discount for being common-law (if you are). My car insurance went down $100/year for being common-law, and I get 15% off for going to university (my school is registered with them). I also get the 10% off for having 2 cars insured with the same company.

I don't know if the TD over there is Meloche too, here it is (TD Meloche Monnex), and they're who insure me.

You have to be more forceful, woman! Tell them it's too expensive!! Tell them you'll go elsewhere!!! I'm this close to calling them for you and kicking their a**es!!! :D (I've been "in charge" of my insurance since I got my licence...)

And yes, usually the older a car is, the less expensive. And the further it is from being a "cool" car, the cheaper it is too. It also depends on who is driving your car. I mean, my car insurance went up last year because too many 1.6 drivers had accidents. Everybody else's went down. :rolleyes: Also, more hp = more expensive. Age is a factor, for sure, but you shouldn't be more expensive than I would be in Ontario, right? (I don't know how much more your insurance is than ours... Maybe we're cheaper because of the "no-fault"...)

Does that help? Or was that a long rant of emptiness? :o

Puppyluv
August 9th, 2005, 10:59 PM
Cavaliers and Sunbirds are very unsafe though- they do the worst in all the crash tests, especially the side impact ones. And they're far less reliable and fuel efficient...
That's why no one steals them Prin :D

Lizzie
August 10th, 2005, 08:32 AM
I just re-read and saw the part about your budget. We have a Honda 01 and pay insurance and for the car on a monthly basis--and I can tell you, that even before gas and upkeep, the monthy price tag on just having the car is at least 100 bucks more per month that your limit of $350.

While I know you mentioned that Toyota's and Honda's are cheap...they really are not that cheap to buy. If you want cheaper, go with a domestic car.

Perhaps you should try for something a little older too...like a 1995. FYI the insurance people deem a 2001 as a NEW CAR. You have to bounce a few years later for insurance to go down.

Writing4Fun
August 10th, 2005, 08:47 AM
My insurance is $850/year for a 1997 Acura 1.6 Sport, and I'm younger than you with speeding tickets on my record (a few).
I found out the hard way that insurance in Ontario and Quebec are VASTLY different! :evil: It's not unheard of for a young driver in Ontario, especially Toronto or GTA, to be paying upwards of $3000/year for insurance. Insuring my motorcycle, for example: in Quebec, because the license plates provide some sort of insurance, I was only paying $75/year. Isn't that incredible? Mind you, the plates were almost $300/year at the time. So, we moved to Ontario, where the plates were only $45/year. Bonus, right? Nuh-uh! Insurance for my 1985 cruiser (not even a sportbike) that I've had for going on 10 years with an impeccable driving record is now costing me - get this - $611/year. That's more than twice as much as Quebec, factoring in the difference in the cost of license plates. Hubby's cost for his much newer, super-sexy, Italian sport-bike, with a couple of speeding tickets under his belt? $639. How the heck do they figure that one out?? I swear they sit in a room thowing darts at a spinning wheel to figure out how much to charge people. And, that's the cheapest we could find! We were actually paying more with our previous carrier! Don't even get me started on the car - or home insurance! Grrrr!!! :evil:

Oh, and in Quebec, your insurance starts to decrease as you get older, right? Nope, not here. My insurance has gone up with every passing birthday. Great! One more reason to hate birthdays. :mad:

Writing4Fun
August 10th, 2005, 08:55 AM
We're with Buckley right now, and they've found us the cheapest car rates with Citadel. I know it's not easy looking for a car. But it sounds like you'll have to bite the bullet and go for something a little older than you had originally hoped. Hubby's is a 1997 Escort wagon, and he's had some minor issues with it. Luckily, he's a pretty good "hobby mechanic", so he's saved us tons of money installing new parts himself. Good luck!

Schwinn
August 10th, 2005, 09:33 AM
Acuras are considered a premium car, so they are going to be more expensive. Also, some Civics will be considered sports cars (like the Si, for example.) I went through this with my old Escort GT. My insurance doubled when they found out it was a GT. I asked my agent, who said, "Well, they consider that a sports car." I replied, "Well, they've never driven it then, have they?" Also, when I went from a 2001 Ranger Edge to a 2003 Ranger Edge, my insurance went up a couple of hundred bucks, just for liability. I asked them to explain why someone driving the exact same truck 2 years newer would drive any different, except they'd be angrier because thier insurance is higher for no reason.

The cheapest to insure are trucks. Sports cars and cars with initials (GT, Z24, etc) are the most expensive. And I agree, I think you're going to have a tough time with your budget. You might want to look at something like the Buy-Back loan at the Royal Bank, where you have a totally open loan, but payments are set up like lease payments. We lease for the cost, but it isn't as effective because of mileage limits. We're doing it right now while Cheryl is off work, then when she goes back we'll be setting up a separate savings to cover the buy-out at the end.

BMDLuver
August 10th, 2005, 09:33 AM
Raingirl, if you get insurance and just put your name on it then maybe your boyfriend could just be listed as an occasional driver? Kind of like you were on your parents policy.

I would go with a domestic car as they are cheaper to insure than Honda's, Toyota's etc..

happycats
August 10th, 2005, 09:49 AM
check out; http://www.vw.ca/vwca/index/0,,40,00.html
volkswagen offers 2 year 40,000km warranty on pre-owned cars, with free roadside assisstance!! they will give you quotes on-line. so if you get a little older one you may be able to afford it with insurance, and they arre VERY reliable!! (my 1990 Jetta is still going strong, just minor repairs needed from time to time)

Beaglemom
August 10th, 2005, 10:52 AM
And I didn't think Brampton was condered GTA (I know Caledon isn't and it's only 20 min from here).
Brampton is considered GTA. Insurance for a car in the Brampton area is not much cheaper than insurance in downtown Toronto. In fact, it may even be higher. By using your car everyday to commute to work puts you in a higher premium bracket. It goes by statistics, the more you use your car, the more likely something will happen. If you let your insurance company know that you will also use your vehicle for work purposes, your insurance premium will increase again.

I went through this a few months ago when I bought my new car. I too live in Brampton. The insurance company I was with wanted a ridiculous amount so I left them and found another insurance company. If you like, you can pm me and I will give you the phone number of an insurance agent that helped me out. They were great and our premiums dropped for my insurance, my parents and their house insurance. We are actually saving money now and we have brand new cars.

Insurance premiums are based on many differnt factors. They look at your driving record as well as the length of time that you have been insured and any claims made. It also depends on the car that you are planning on buying. They rate the cars based on crash tests, theft, repair costs, etc. The Honda Civic is on the hot list and thus is more expensive to insure. Generally speaking domestic cars are cheaper to insure than imports because they are usually cheaper to repair.

My advice would be to make a list of all the car makes and models that you are looking at and calling up some insurance agents or companies and getting quotes. Asking them for advice is also a good idea as they may help you determine how to reduce your premiums.

Lizzie
August 10th, 2005, 11:58 AM
Have you checked this one out:

http://www.attrelltoyota.com/used.html --they have a 1999 Toyota Tercel, which is a great little car at a reasonably low price.

Insurance would be more reasonable, it's also a good sturdy car for a young couple with pretty low KM's considering the age. It's likely one of those one owner cars--a faithful Toyota owner brought it in to get an Echo or a Corolla.

kandy
August 10th, 2005, 12:01 PM
OMG! Those rates are robbery! My son is 22, has numerous speeding tickets and even a couple of wrecks - drives a 2001 Grand Am and I pay $1800 US per year in insurance for full coverage. If he had insurance on his own, it would cost him about $2500 a year. I thought his insurance was high (I pay $480 a year for full coverage on my 96 Intrepid) but that is just flat ridiculous! And around here anyway, a 4 wheel drive truck will cost more to insure than a car. They figure that if it's 4WD, you'll be going off roading which increases your chance of rolling the vehicle.

Any car that is called a 'coupe' or is 2-door will have higher insurance rates. A two door grand am like my son's (his is a 4 door) is $400 more a year and they are the same car. It also depends on where the car will be parked at night since that's when most cars are stolen, and repair costs play a big part in the cost of insurance. Toyota's and Honda's typically cost more to repair - to replace a headlight assembly on a Honda might cost $500 in parts, whereas one for a Cavalier might be $75. Good Luck finding something you can afford!

Prin
August 10th, 2005, 02:20 PM
Just beware, the less you spend on the car, the more you'll spend on repairs. (Especially with domestic cars..) It can be a real headache.

That's pretty expensive car insurance. Sure we have no protection from potholes, almost no health care system, languagism, humidity, etc, but at least we have cheap car insurance and no fault insurance too! Vive Le Quebec!

Oh and Raingirl, for civics, the LX 4 door will probably be the cheapest followed by the EX 4 door. And Acura's might be cheaper to buy than civics if you get a standard car. (Mine was $15000 2 years old, and the civic of the same year was $17000... Higher demand for civics)

nymph
August 10th, 2005, 03:04 PM
$350/month on all car related expenses leaves you with very limited choices.

Some number crunching:
-car insurance: in GTA, it's safe to assume that your monthly insurance would cost about $200/month, for a first-time insurer like youself.

-fuel cost: depending on how much you drive, and the type of car you drive, it's easy to put in about $150-$200/month. I used to drive a small Acura, and quite a bit driving, about 2000KM/month, and I used to put in about $140/month in fuel, but that was back in days when gas was at 60c/L

So already, that leaves no room for your car payment.

Call different insurance companies to find out better rates. From experience, these companies offer better rates:
-PC Insurance (President's Choice)
-ING Direct (through a broker)
-The Personal
-Wawanesa (through a broker)
-TD Insurance

raingirl
August 10th, 2005, 06:53 PM
Thanks for all the advice guys. I actually used to be an insurance adjuster, so I know all the ins and outs and such of premiums. I know not to get 2 doors or sport models or any of those types of things. I'm sticking with plain vehicles.

I absolutely refuse to buy domestic. I won't even consider it. Every single person I know who has had ANY domestic car has had nothing but problems, and everyone I know who has import is problem free. I would rather go the problem free route.

I'm looking at 99 to 2001 because I don't want something too old that will just cost me more in the end. I actually did some quotes for 1999 vehicles, like toyota tercels and such, and the rates were just as high (got down to $299 a month which was for a toyota tercel). I also have a a limit of $7000 I can pay for the vehicle, which isn't completely imposible, as I have seen quite a few 99's in that price range. A loan with my bank for that amount is about $95 a month, which I can afford. It's more the insurance that is the problem.

I don't drive manual, so that doesn't help, which sucks becuase they are cheaper.

How are you spending that much on fuel nymph? I don't even spend that much in my gas guzzler! I spend maybe $60 at most, so it will be a lot less in the new car (I drive a 84 tank...so just imagine the gas there) and I drive a lot less. I drive to work only 3 times a week, and hardly ever the rest of the week, except once on weekends to get groceries.

Anyone have other suggestions for smaller effiecient import cars that I'm missing? I can't only think of toyota tercels/corollas/echos and Honda Civics. I would love a VW, but they don't sell pre-owned older than 2000, and I can't afford the 2000s

jjgeonerd
August 10th, 2005, 07:16 PM
I don't drive manual, so that doesn't help, which sucks becuase they are cheaper.


I don't have any other car recommendations, but I would say don't be afraid to learn how to drive a manual. They're actually very easy...and even can be more fun! The 1st couple days might be a little challenging, but you'll get the hang of it really quick. :thumbs up

happycats
August 10th, 2005, 08:22 PM
I would love a VW, but they don't sell pre-owned older than 2000, and I can't afford the 2000s

Are you sure?? I was just at the dealer yesterday, ans I'm sure I saw some 1999's there.

Another option, is to go through, www.trader.ca. they actually have a european/import autotrader (alot of dealerships also list there) ANd if you do buy private you save the GST!

Prin
August 10th, 2005, 11:41 PM
My man got his 99 tercel with 43 000kms for $7000 over a year and a half ago.. It's possible. :)

Don't forget the Acura 1.6 EL 98-99. They're reliable (mine starts even when it really shouldn't... It's a '97 with 210kms on it...) They might be cheaper than a civic, so even if you're not actively looking for them, don't pass over them either. :) I don't know how much the insurance would be for them though.

Lizzie
August 11th, 2005, 08:43 AM
From my experience just buying an 01 Honda, the only way you will get something like that that in good condition with low KMS is to pay double what you have available....

If you deviate from the actual maker dealerships you may find older cars. I've seen many mint 1995-1997 Hondas and Toyotas on the lots...you'll find the owners of these cars are big on brand loyalty so they are often trading in and up for a new car.

Something you may consider is a Mazda Protege. They are typically on the lots right now as their owner's wanted to trade up for the Mazda 3s. Their price range is much lower, though still foreign cars that are built relatively well. When we were looking, we found a 1999 Protege for 7995 at a Mazda dealership.


You may also consider checking out the Auto Trader web site. It will help you get a feel for what types of cars you can buy with your 7000 dollars.

There are a lot of cars popping up if you punch in your price range, however, they have many KMS. A Honda and/or Toyota may give you a good 200,000 KMS.

www.trader.ca

Check this one out:

http://www.trader.ca/powerpage/details.aspx?vlotid=335008&adid=4566935

happycats
August 11th, 2005, 10:03 AM
Here is a bunch, $7000 and under. also 1997 and newer!!

http://www.trader.ca/search/Results.asp?BFROM=1&BAD=N&BPRICE=N&BTYPE=B&BCAT=1&BOREGION=100&BYEAR1=1997&BYEAR2=2002&BPRICE1=0&BPRICE2=7000&BKEYWORD=&BMAKE=771&BMODEL=&category=1&region=100&makeid=771&adcopy=&multiphoto=N&SortBy=askprice&SortOrder=d&DisplayType=pictures&DisplayRowCount=48&mknm=771&mdnm=&subcategory=&CAT=1

Lizzie
August 11th, 2005, 11:54 AM
I would be cautious buying anything newer than a 2000 with 100,000 or more KMS on it. IMO it would have been driven pretty hard to reach that number in only a few short years.

Schwinn
August 11th, 2005, 12:51 PM
Unless it was a commuter car. Outside of the GTA, I'd be concerned, but inside the GTA/York region, not as much. It is not uncommon for a vehicle to put on 40 000 or more in one year if it is driven up and down one of the 400 series highways every day (learned this when I moved here)

Lizzie
August 11th, 2005, 01:17 PM
Schwinn: It's quite possible for someone to do this. I never thought it wouldn't be. However, I personally would NOT want a young car with that many clicks on it. It's simply something I would avoid if I could, and judging by the number of listings, she can.

Of course, this is entirely my own view on car buying. To each their own! :thumbs up

Beaglemom
August 11th, 2005, 01:27 PM
If this has been said before, I apologize, but one of the most important things when buying a used car is the maintenance that it received and how it was driven. A car with only 50,000 km on it can be in much worse shape than a car with 100,000 km of the same year. It all depends on how the person maintained their vehicle. I commute to work everyday. I use the 407 and I put a lot of km on my car. But, I maintain my car. A car with mostly highway driven km on it is far better than a car with mostly city driving km.

Raingirl, if you can, try to get a car where all the maintenance history can be obtained. They are out there. I always keep all my receipts and enter everything for my car.

happycats
August 11th, 2005, 02:36 PM
Raingirl, if you can, try to get a car where all the maintenance history can be obtained. They are out there. I always keep all my receipts and enter everything for my car.

Very true beaglemom,
We bought a 3 year old car, and called the original selling dealer, who gladly gave us the total maintenance history on the car, including all oil changes :)

Lizzie
August 11th, 2005, 02:47 PM
Try to also get the carfax report on the car to ensure it hasn't been in any accidents. It's VERY hard to tell if it's been banged up and well repaired. Though you'll want to know as it will change the safety of the car's body.

And I agree, get the reports. This matters most.

Kariia
August 11th, 2005, 03:51 PM
"Cavaliers and Sunbirds are very unsafe though- they do the worst in all the crash tests, especially the side impact ones. And they're far less reliable and fuel efficient..."

Great, I have a Cavalier. (I assume you mean a Chevy?) At least I'm a safe driver.

chico2
August 11th, 2005, 05:38 PM
Kariia,I don't think you have to worry :D a friend of mine has had a Chevy Cavalier for many years and swears by it.
IMO,I do not think any Honda,Mazda or whatever is any safer,it all depends what kind of driver you are and watch out for the crazies out there,often driving little Hondas!

Prin
August 11th, 2005, 07:08 PM
"Cavaliers and Sunbirds are very unsafe though- they do the worst in all the crash tests, especially the side impact ones. And they're far less reliable and fuel efficient..."

Great, I have a Cavalier. (I assume you mean a Chevy?) At least I'm a safe driver.
They are very unsafe. Whatever you do, AVOID getting hit in the side. Try everything you possibly can to avoid getting hit in the side. If you get hit at 17mph (slowww) you have a 49% chance of dying. Sorry if that's blunt, but they actually had a documentary about them where the family members of the owners were crying, saying if we had known, we would never have let him/her get that car.

Just for a comparison, a Tercel, that weighs over 500lbs less than a sunfire or Cavalier, in the same accident at 17mph, you have a 15% chance of getting HURT.

They're really unsafe. Be careful. Don't get hit in the side. :fingerscr :)

Schwinn
August 12th, 2005, 10:22 AM
They are very unsafe. Whatever you do, AVOID getting hit in the side. Try everything you possibly can to avoid getting hit in the side. If you get hit at 17mph (slowww) you have a 49% chance of dying. Sorry if that's blunt, but they actually had a documentary about them where the family members of the owners were crying, saying if we had known, we would never have let him/her get that car.

Just for a comparison, a Tercel, that weighs over 500lbs less than a sunfire or Cavalier, in the same accident at 17mph, you have a 15% chance of getting HURT.

They're really unsafe. Be careful. Don't get hit in the side. :fingerscr :)

Personally, I'd like to think one would try to avoid getting hit anywhere... ;)

I used to love GM, then I bought a new one. After they replaced three transmisions, my gas gauge went, the dashboard split, then they wanted to charge me for over-mileage on not give me any deal on a new car, GM is forboden in my house. Loved the Honda, and we're loving the new Mazda (actually had someone leave a note so Cheryl could call and tell them how they liked it). And, of course, we all know I love the RED RANGER!

kandy
August 12th, 2005, 11:58 AM
It's VERY hard to tell if it's been banged up and well repaired. Though you'll want to know as it will change the safety of the car's body.

I worked in a body shop for quite a few years and if the repairs are done correctly, it won't hurt the safety. If the repairs were done half-a$$ed, then yeah, I'd be worried about the car.

Carfax reports are great, if whoever worked on the car reported the information. If you are suspicious at all, look for slight color differences on the body - they can indicate repairs - or if the car isn't plastic you can take a magnet and a piece of paper. The paper is so the magnet won't scratch the paint - rub the magnet over the spot you are suspicious about - if it doesn't stick then the car has been repaired with bondo (dent filler compound).

chico2
August 12th, 2005, 04:31 PM
Prin,I am sure you are right about the safety-thing,but unfortunately with most young people,safety is not their biggest concern,costs are..
As for Honda,Mazda,Toyota or any oriental car,I just cannot make myself go and look at one,it just goes against my grain :D
I am sure they are excellent cars..but not for me.
My oldest son,who by the way drives a 2004 fire-engine red 2002 Mustang :confused: ,tells mom and dad to buy an Accura.He works with different cars and says it's a great car,but there is just no way...
We are in the market for a new car,hubby is taking early retirement and we no more need the cost of two cars.On top of my list is another Volvo,but bigger than the S70 Turbo we now have and you cannot get a much safer car than a 2005-06 Volvo and it probably will be the XC90 SUV,comfort,luxury and the safest SUV on the road....very good for an older couple like us :D And great on gas compared to our Jeep.

Prin
August 12th, 2005, 04:53 PM
Why not take the Acura MDX for a test drive? No harm in trying it out right? You get safety, size AND reliability. I know you don't like them much, but will it hurt that much to take one for a spin? :)
MDX (http://www.acura.ca/AcuraEng/Models/MDX/InfoNav.htm)

chico2
August 12th, 2005, 05:13 PM
Prin,nice try :D :D We will probably stick with the Volvo XC90,it is beautiful and safe.Volvo service has always been excellent,even the one time we drove our Volvo S70 to South Carolina and had trouble with the headlights,nice friendly sotherners fixed it in no time,no charge! :thumbs up
Being a Swedish car(me being Swedish/Canadian),knowing Swedes have safety as their first objective regarding anything really,it's very high on our list of"might buy" :D
The BMW SUV,is not bad..but we'll see!

Schwinn
August 12th, 2005, 05:21 PM
The Civic we just got rid of was built in Aliston. My step-father's Chrysler was built in some other country.

chico2
August 12th, 2005, 05:35 PM
Meaning :confused: Volvo has merged with Ford and I believe it's assembled here,but I could be wrong,but design and safety features are 100% Swedish!
Ford,is another car I have a "thing"against :D
I am very particular about our cars,something we could not afford to be,when the boys were small..and there were other priorities like mortgage,other bills etc...

Prin
August 12th, 2005, 06:22 PM
Prin,nice try :D :D We will probably stick with the Volvo XC90,it is beautiful and safe. Why nice try? :) C'mon!! Test drive it!! It's fun and everybody's doin' it!! :)

raingirl
August 15th, 2005, 08:24 PM
Sorry to revive this thread.

So, getting a car doesn't seem to be too much of a problem. There are 99 tercels in my price range.

But, I was having problems with insurance. So, we decided to take another route. We changed things around and wanted to see what the quotes would be if my BF was the owner of the car. Well, guess what? the quotes were more than 50% less! I went from $300 plus a month to $124 if he buys the car!! (he's had a G since 1986).

So, do you think the bank would still give me a loan to buy a car if it's not in my name? BF can't buy a car or even qualify for a loan right now, so I will be doing all the payments. I will get the loan, he will put it in his name, and the insurance, and I will pay for the car.

Also, anyone know if there are discounts for being married (would premium be less if we were?)

happycats
August 15th, 2005, 09:17 PM
common law "is" married, so is considered when geting insurance. And when getting the loan form the bank say you are common-law, and I don't think it matters whose name it's in. ( I could be wrong on this one though).

We always put our cars in my hubby's name for insurance reasons too (much cheaper in his name) I know I had a loan for a car, and still had the car in his name. I think as long as they don't have to put a lein on the car, it can be in anyones name.

Schwinn
August 16th, 2005, 10:27 AM
Being a former banker...

The bank will want to have his name on the loan with you. You might be able to get an exception, but your personal banker will have a hard time getting it. If you BF can't get a loan only because he isn't strong enough, putting him on the loan with you should cover it. If it's because he has bad credit, then you will have a more difficult time convincing a loans officer to let you get the loan without him. Of course, these are all if they want the car for collateral. If they don't, then no worries. Now, if you get the loan through the dealership, then you probably won't have any problems. They only want a pulse!

Lizzie
August 16th, 2005, 10:34 AM
Actually, when we brought our Honda from the dealership, only the person holding the loan could have their name on the car. So, if you go through the dealership and put your name on the car loan they offer, they may not allow your bf's name on the car. Each brand might be different though--I'd check with them.

You should really just start by finding the car you want and then work your way around that. At this point, without a car, a dealership or any particulars, it's all speculation.

raingirl
August 16th, 2005, 10:12 PM
Yeah, but I hate disappointment, so I don't want to choose a car until I know ALL the little things about buying a car, because if I get all set up on buying one, then someone buys it first, I'll get all sad and discouraged.

If you want a car, and are working out details with loan/insurance, will the dealership hold it for you? That's what I'm mostly worried about. I don't want to go hardcore looking if I need to have all the other stuff worked out first.

As for the loan, I don't mind if it's co-signed or something like that. BF may not have good credit (we probably should check) so that's why it's going in my name, since it's "technically" my car. He just needs to be the official owner for insurance purposes (the insurance has to be in the name of the owner of the vehicle, and to get cheap insurance, it has to be under his name).

Schwinn
August 17th, 2005, 09:34 AM
Most dealerships will ask for a deposit if it's a car they can move quickly. When we bought the Mazda5, it was a six week waiting period if we wanted something different than what was on the lot, so they asked for a deposit to hold the car on the lot. The other cars we had, though, they had lots, so they didn't ask for a deposit.

As for the credit, definitely look into it. Depending on the creditor, depends on when they report you to the bureau. He may be surprised.