Why buy a depreciating car when you can Lease a new one!

These days there is no excuse for getting a bad deal on a car. The internet has forced dealers into being transparent, and gives the consumer power in that they can have access to deals across the country. So the first thing that you have to do is accept that the best way to lease a car, is to take a little bit of time to do some research and make sure you understand exactly, the contractual agreement you are entering into. Thankfully this is easily do, in my case all I did was search contract hire Peugeot 108 and the first result gave me numerous options and lease deals to choose from.

If you are new to the idea of leasing a car, essentially it gives you the chance to drive a brand new car every couple of years. Obviously new cars are a pretty expensive purchase for a lot of people, and the fact that the resale value drops so rapidly puts a lot of people off. However there are so many benefits to driving a new car, mainly everything works! Then obviously there is the luxury of having up to date tech etc, and you shouldn’t have to worry about huge service bills. Obviously there is a cost involved, take my example again, on a personal car lease Peugeot 108, there was a pretty big margin for prices.

The Peugeot offer I got worked out at 47 payments of £130 after an initial payment of £1178. Obviously the £1178 was a hit, but I had saved enough money over the course of the year for a car so I could cover that and had some left over to go towards the monthly payments. So now I have a new Peugeot 108 1.2 PureTech Allure 5dr. To me that seems incredible, and until I researched it I would have thought it impossible for me to afford to drive a car like that. The only thing I would warn is make sure you are looking at the personal deals, at first I was browsing business car lease Peugeot 108 deals, and they are a fair bit cheaper than the personal ones, so I was a little disappointed when I realised I wasn’t eligible for those deals.

Nevertheless my Peugeot 108 personal contract hire is more than affordable and I am loving it. So literally all you need to do is a bit of research on a comparison site and make sure you are clear on the terms of the contract.

Best Economical Car to go for

Fuel efficiency is on most motorist’s mind these days and the UK has a host of economical cars which are masters at saving money on fuel. The cost of running a car is a real burden so I have compiled a list of the most economical cars on sale to help. Identifying the most economical car to run isn’t straightforward and there are many variables to consider as a car which may be cheap to run for one motorist but might not deliver the goods for another.

The first economical car to make my list is the Used Toyota Prius+. This particular car is perfect for a buyer looking for an economical family car. The Prius+ is a large seven-seater MPV version of the popular Used Toyota Prius. The Prius+ Is the only seven-seater on the market emits less than 100g/km of CO2. The ride isn’t the most thrilling and is a car which is mainly driven slowly and smoothly, so if speed is what you’re looking for than look elsewhere. The car comes with high levels of standard equipment you might expect but unfortunately the car has a high price tag and has a short electric-only range so not ideal if it’s for motorway drives.

The next economical car which makes the list is the Honda CR-V. If you’re looking for an SUV than look no further, the interior of the CR-V is spacious, with a big boot and also seats which can fold completely flat to offer extra load space. The car has a quality build and lots of equipment which rivals car such as the Second Hand BMW X3. In terms of economy it can offer 62.8mpg and CO2 emissions which means road tax is only £30 for the year if you go for the two-wheel drive 1.6-litre diesel. The negatives with this car is it’s not as much of an off-roader as it might make out and it’s available in five-seater only.

The Used Renault Grand Scenic is the next car to make the list. Like the Prius+ it’s an MPV but not electric. This also has seven-seats and has an extremely flexible cabin, and perfect for those with large families or for families with lots of baggage. The Energy DCi 110 can get nearly 70mpg and is the model to go for if you want cheap running costs, the emissions mean it’s only £20 to tax each month. The car is also value for money as a whole the only thing letting it down is the styling is a little bland and the reliability of the vehicle.

The Skoda Fabia is one for those looking for a cheap, basic supermini. The Fabia is based on the Second Hand Volkswagen Polo but at a more cut-price (obviously with lower quality interior and without the premium badge). The Second Hand Skoda Fabia is a practical, comfortable drive and in terms of economy the most efficient model will do 83mg and 89g/km of CO2, making it exempt from road tax and is one of the cleanest cars with an internal combustion engine available today. The fabia sounds perfect but it does come with some downfalls such as it has particularly poor handling, cheap looking interior and the equipment levels are poor especially on the base spec.

The Best Lowest Insurance Group Cars

Over the past 5 years insurance costs have rocketed making the allure of cheap-to-insure models even greater.  Low insurance cars are vital for first time drivers, people with no claims bonuses or anyone who is young particularly under the age of 21. I have decided to make a list of a few cars where you are pretty much guaranteed to get the lowest quotes. They’re are obviously factors which can impact the insurance group such as trim level and engine type and also things like postcode, age and driving experience.

The Fiat Panda is one which fits in the low insurance category and is a more practical alternative to the Fiat 500. The Panda offers plenty of storage areas and a rear seat which can be slid backwards and forwards which makes more or less boot space. All Pandas come with five doors for added practicality. Not only are the Panda’s cheap to insure but they’re also very cheap to run and have cheap tax too. The only negatives which might disinterest people are the limited rear legroom and also the interior feels quite basic especially on the cheaper models.

Next is the Skoda Citigo which is Skoda’s take on the Second Hand Seat Mii. The build quality of this car is good enough to compete with the likes of the Kia Picanto. The Citigo offers an excellent drive and not only this but it has great interior quality and it offers excellent economy, while four adults can comfortably sit inside. The Citigo offers great value for money but if its speed or cars for long distance journeys then this car probably isn’t for you.

The Used Vauxhall Corsa is one of the best selling cars in the UK and rivals the Used Ford Fiesta. I would say that the Fiesta is more fun to drive but the Corsa is a perfect car especially as a young driver as it has decent practicality, efficient engine and stylish looks. As mentioned it’s not as fun to drive as the Fiesta and they do come with poor equipment levels and it does have tend to have a fairly noisy engine too.

Last is the Second Hand Citroen C1 its getting a bit old now and it’s starting to get shown up by newer rivals. It’s a pretty basic car which offers low running costs, low equipment levels and low price tags. Its small dimensions make it good fun to drive. So if cheap and basic is what you’re looking for in a low insurance car then you’ve found the one for you. The C1 doesn’t have as good safety ratings as most of the other cars and the build quality is rather poor and can become very noisy especially on a motorway.

Top 5 Cheapest Cars Which Qualify For Free Road Tax

As technology in cars improve, engines become more efficient and manufacturers are forever reducing the emissions of their vehicles.

Cars which emit less than 100g/km of CO2 qualify for free road tax.

Here are the top 5 cheapest vehicles which emit less than 100g/km of CO2.

5. Peugeot 107 – The Peugeot 107 1.0 Access 3dr emits 99g/km of CO2 and costs £8,095

4. Citroen C1 – Identical to the Peugeot 107, both in terms of emissions and price, the 1.0i VT 3dr is Citroen’s cheapest model which is exempt from road tax

3. Kia Picanto – The Picanto 1.0 1 3dr also emits 99g/km of CO2, and is £50 cheaper than the 107 and C1, at £8,045

2. Suzuki Alto – The Suzuki Alto 1.0 SZ costs just £7,199, and again emits 99g/km of CO2

1. Renault Twizy – The cheapest model on the market which qualifies for free road tax is the Renault Twizy, at the bargain price of £6,895, and it emits 0g/km of CO2. More information is at CarSite.co.uk.

Should the national speed limit increase to 80mph?

For several years now the UK government has been debating a potential increase to the national speed limit, which would see the maximum legal speed of many motorways and dual carriageways rise from 70mph to 80mph.

Would this be a positive move, and is it right for the country? It is a difficult question to answer, and this has been proven by the fact that the government has been considering its position on the issue for so long and still not reached a conclusion.

At Top64 we are sitting on the fence in terms of delivering a definitive opinion, but what we have done is made an argument against the proposal by listing our top 5 most obvious reasons why not to increase the speed limit.


Cost More

With the price of road tax, MOT and servicing as well as general maintenance all very expensive, we can certainly do without added cost. How will we end up paying more? Through fuel, because driving faster uses more of it.
More Accidents

The faster you’re driving, the more likely you are to have an accident, fact. There is no getting around this, and despite arguments that 10mph isn’t a huge increase, it will certainly impact on the number of road accidents.

Do we really need to increase the speed limit? It has been at 70mph for long enough now without too many complaints, and increasing it by 10mph really won’t save that much time on many journeys. It will inevitably lead to more wear on the brakes of most vehicles too.


Speeders Will Still Speed

An incredibly large number of motorists already actually do drive above the speed limit, and this will continue to happen if the limit is raised. People who already drive at 80mph in their Audi A3s and Bugatti Veyrons will think it’s acceptable to drive at 90mph, which increases the risk of accidents.
Dangerous For Smaller Cars

Some small cars can take a while to get up to 70mph, let alone 80mph. This could lead to the drivers of them feeling very nervous and intimidated by drivers in faster cars, which again increases the risk of collisions.

Save, Save, Save!

Do you like money? Are you interested in finding out how to save money? Have you been forced to cut back on luxuries and general spending due to the current state of the economic climate in the UK?

If the answer to these questions is yes – which it will be for the overwhelming majority of us – then you’re in luck, because by the time you’ve finished reading this article you could be in a position to make extra savings for the rest of your life.

The recession has forced most of us to limit our spending, but one aspect of life which proves difficult to cut back on is driving. All of us need to drive, but how can we limit the costs? The obvious answer is to get a smaller, cheaper vehicle or start driving less. And when it comes to cheap small vehicles I know a lot thanks to my time at Croydon Used Car Sales.pound_sign_2__large

But saving in this way impacts on quality of life; walking to work may mean earlier nights and earlier mornings, which means less free time. Getting a smaller vehicle will equate to uncomfortable journeys when the whole family is in the car, and might not be as nice to drive as that smooth BMW 3 Series that you’re used to. You may not like the idea that something could go wrong with a used car at any given time and you won’t have any sort of guarantee, and it will end up costing you even more. Well what about pre reg cars which are technically used cars as they have been registered, however buying a pre reg is actually more like purchasing a new car?

Have you ever considered saving money on MOT and servicing? We pay for these every year but most people don’t actually know what a good price is for an MOT or a service. It is important to get a good quote, especially considering the additional costs you might have to pay if there are any issues with the exhaust or the radiator.

But how do you go about saving? The standard protocol is to go down to your local garage and accept the first price put in front of you, because how are you to know if you could get the same service for cheaper elsewhere?
Well fortunately, all of that is about to change thanks to an online service and MOT centre comparison site which has been set up by leading UK automotive website buyyourcar.co.uk.

Users can input the make and model of their car, as well as their address, and within seconds the system will display a list of garages along with pricing structures sorted by proximity to the postcode.

The service is incredibly easy to use and could save you money every year for the rest of your life.