Buying a first car.

ttsivhabu said:
Hi guys, I need advice. I am looking to buy a used car as my first car. Ive been looking at a 2014 polo 1.4 comfortline with 30000km on the clock, car still has warranty and service plan with vw. The car is selling for R155900. Do you guys think its a good buy? I should go ahead and buy the car or u think otherwise? I need your advice.
I am looking for a car the will be cheap to maintain and not too expensive to rum. Looking to keep the car for years to come..
Please advise me on the pros and cons of the car.

Thank you
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This seems like a good buy. Price seems average, but I'm sure you can knock R10k off it. It's known for its class-leading quality interiors - good fit and finish etc. The 1.4 is very decent when it comes to fuel consumption, but you might be stirring the gears a bit when climbing up hills on the freeway.
Parts are plentiful and cheap for the 1.4, decently reliable (not class leading - for that you might want to look at the Japs).

The only real kink in its armor, is the high risk factor associated with VW Polos in South Africa. That is probably why you were quoted such high premiums for insurance.

If you are willing to scout around for another vehicle, I would highly recommend the Ford Fiesta 1.4. You can easily pick up one, sub-30000km, for around R135k - R145k.
 
genetic said:
Exactly. I don't buy a car for how well it can crash.
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I don't understand how some people care so little about their safety. I'd much rather take a safer car that's less flashy than a flashy car that'll kill me if I so much as blink in the wrong direction. I really like those old minis and this is the reason I'll never buy one.
 
SauRoNZA said:
I don't recall ever giving permission for a credit check with insurance and I've jumped a **** load over the years.

For finance it would make obvious sense, but for insurance which is a month to month cost I'm not convinced.

I know they do count the fact that you are married or single and whether you own a home or not in your risk profile, but generally more for household insurance as I recall. But again that was more towards the finance side of things.
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Nee volk, I was properly tipsy that particular night after having worked on my pool in the gorgeous weather that day - with a beer or two. Credit rating not much part of it - where you stay; what colour car; your prior history; where do you park blah blah blah.

Eish. I is a bit embarrassed about that :p
 
airborne said:
I have definitely been asked for permission to access my credit record when getting quotes for car insurance, last that requested it if I recall correctly was Miway. From what I understand they all do it at some stage of the process, probably part of why they charge you that R200-R300 admin fee to initiate a policy.

I recently had a chat with the head of an insurance brokerage about how your credit rating can affect your premium, he mentioned it's more important to some underwriters than others, Santam apparently is one that takes credit reports quite seriously.

Check your free credit report, shows which companies requested your report.
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Or maybe I'm less embarrassed now :)
 
Splinter said:
Nee volk, I was properly tipsy that particular night after having worked on my pool in the gorgeous weather that day - with a beer or two. Credit rating not much part of it - where you stay; what colour car; your prior history; where do you park blah blah blah.

Eish. I is a bit embarrassed about that :p
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I can see it forming more part of your approval for insurance than the actual premium itself.

And even if part of the premium I'm sure it's pretty small.
 
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