How Much You Charge For Taking An Online Math Class Top 10 Kinds of Cars For 2009

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Top 10 Kinds of Cars For 2009

Looking to buy a new car this year? You may have your heart set on a particular make or model, and you may have scoured the internet for new and used car prices and decided that you can afford to buy the car of your dreams, but a question that you have to do can you afford to run it?

Previously you may have asked this question in passing and not really thought about it, but with the changes to vehicle excise duty in 2009 and spiraling fuel and maintenance costs, along with the credit crunch and recession during the next few years, then running costs become much more important, so making a compromise and choosing a car that not only appeals to you, but will save you money in the long run is a sensible thing to do.

What about the changes in excise duty on vehicles? Cars are now classified according to the amount of carbon dioxide they emit, so more environmentally friendly cars will be charged less vehicle excise duty than more polluting vehicles. At the time of writing, the least polluting cars will be exempt from paying tax, while the most polluting cars (M class), such as large, high-engine 4x4s, will have to pay £440 a year. In 2010-11 this cost rises further to £455 per year.

If you’re looking to buy a new car, there’s another shock to your wallet and it’s been dubbed the ‘showroom tax’. If you want to take the M-Class car out of the showroom, you’ll also face a bill for a one-off ‘showroom tax’ payment of £950.

To help you choose the right car in today’s environmental and financial climate, we’ve compiled a list of the top ten cars and car-related schemes to consider that could save you money.

1. Buy a small family hatchback. Small family hatchbacks are generally cheaper to run and are usually large enough to meet most people’s needs. For example, the VW Polo Bluemotion 1.4 Tdi is an economy runabout that falls into the Group A tax bracket. Not only do you not have to pay any tax on this vehicle, you can also avoid paying showroom tax , as this diesel car is so cheap that it is exempt. This car also boasts around 70mpg, making it very cheap to run.

2. Buy a diesel. When it comes to budget cars, vehicles with diesel engines are the first that pop into most people’s minds. While historically this was usually true, with the cost of diesel at the pump increasingly higher than the cost of petrol, buying a diesel may not be the best way to save money. For drivers who typically need to drive a lot of miles each year, a diesel will still be more cost-effective than its gasoline equivalent. However, if you don’t drive a lot of miles, this may not be true. You’ll need to do the math before taking the plunge to buy a diesel car. On the other hand, a diesel vehicle’s mileage is usually much higher than gas cars, so at least you’ll be doing more for the environment. Diesel vehicles are also normally classified in a lower tax bracket which saves money on vehicle excise duty.

3. Bi-Fuel cars. Liquefied petroleum gas (LPG) as a method of driving a car or van is becoming a popular way to drive a vehicle that is greener and more economical. Although you can buy a bi-fuel car new, many people pay to convert their current car to support LPG. The cost to convert a car is typically around £1,500 and a real saving of 30% can be made on fuel costs with every fill up at the pumps. Finding a gas station that sells LPG can be one of the most difficult aspects of owning an LPG vehicle, as at least 10% of yards stock this type of alternative fuel.

4. Electric cars. – For many years, electric cars have been presented as the salvation from spiraling fuel costs and saving the environment from car pollution. Unfortunately, in reality the electric vehicle hasn’t really lived up to the hype, with slow vehicles and a short battery limiting range. There are a number of vehicles on the market that may be suitable for your circumstances. If you live in the center of a major capital like London, a vehicle like the G-Wiz may be the right vehicle for you. Owning a G-Wiz in London could make a lot of sense as they are exempt from Westminster parking charges, don’t have to pay Central London congestion charge and are exempt from both road tax and gasoline costs. However, there are some catches. The G-Wiz is a small vehicle and feels very cramped inside. The car has a top speed of 50-60 miles per hour, which may not be the end of the world in a city where traffic barely moves faster than a snail’s pace. Another limiting factor is that the range of the vehicle is only 70 miles and it takes a while to recharge the batteries, which is not as simple as filling up at a gas station! A less extreme version of the G-Wiz is the Toyota Prius, a hybrid electric vehicle that runs primarily on gasoline, but uses electric power at low speeds and recharges the batteries at faster speeds. The Prius can do about 65 mpg, making it an extremely economical car to drive.

5. Big cars for the family and the dog. If you’re single and want to save money on your car’s running costs or do your bit for the environment, you have a lot more options than families who need a bigger vehicle for everyone. there are some larger vehicles that have been designed with space and economy in mind. Take the Ford Focus C-Max 1.6 TDCI LX, a minivan that has been designed to give plenty of space inside. It is a five-seater car that has a trunk of 1,620 liters and a top speed of 115 mph. With fairly low emissions helping to save money on vehicle excise duty and decent economy at 58mpg, this vehicle is a good bet for a family looking to save money.

6. Sports performance in a ‘green car’. Traditionally being green means you also have to sacrifice something. However, car manufacturers, aware of this, have tried to reach a compromise: a car that performs well, but can also give decent MPG performance. For example, the Honda Accord 2.2 I-CTDI Sport is one such car with 52.3 MPG and a top speed of 129 miles per hour, a great combination of efficiency and performance that can meet all your expectations.

7. Buy a classic car. If you are afraid of losing a lot of money on the value of your car, buying a classic car may be the best option for you. Try to avoid fads like VW Beetles and camper vans that inflate the cost of these vehicles in the short term only to crash later. Instead, choose a car that pure enthusiasts desire, as most classic cars tend to hold their value or indeed increase over time as long as they are taken care of. Maintenance costs are likely to be much higher with a classic vehicle and they may not be the cheapest on the market, but for pure return on investment if you choose the right vehicle, you’ll likely get your money back when you come to sell the car

8. Car sharing schemes. Those looking to save money on the day-to-day running costs of their cars could consider car-sharing schemes. Basically, carpooling schemes are set up for people to take turns when they drive, saving money on fuel and getting the benefit of not having to drive all the time! There are plenty of car sharing schemes, such as those set up for school-going parents for members of the Met Police in London. Explore the options in your local area and you may find that carpooling is a great way to save money. Perhaps if you want to get even more involved, you could consider creating your own scheme.

9. Timeshare cars. You’ve heard of timeshare villas on the Costa del Sol, but there’s no need to fear timeshare car plans. These programs can range from clubs where you get a share of a Ferrari or Bentley to drive on the weekend every now and then, to car payment systems where you can join a club and simply reserve a route for as long as you want from an hour to a day. For those who tend to predominantly use public transport and can’t really justify owning a car, a pay-as-you-go scheme can be the perfect way to access a car without having to pay expensive rental costs. Do you live in a city and like to go on a field trip once a month? No problem, book a car online and pick it up, swipe your membership card on the dashboard and you’re off! Fuel costs are usually included (up to a point) and insurance is also taken out.

10. Car finance packages.In today’s economic climate, taking out a car finance package makes perfect sense as you can spread your payments over many months and allow you to fully budget for your vehicle. If you’re thinking about buying a car with cash over a yard, you might be worried about recession and redundancy. Having a nest egg in the bank can help provide comfort and peace of mind. Spending that nest egg in the current climate might not be the wisest, so buying a car with a car finance scheme might be the smart move. Plus, you’ll likely be able to afford a better car on financing than you could if you bought a car outright. The newer the car, the more likely your maintenance costs will be lower, again saving you money in the long run.

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