I am a student and want to buy a used car. Please can you suggest a cheap car, which is cheap to run and has low tax and insurance.

Asked by sinom hamoni

Every car is given an insurance group, 1-50,  which, all else being equal, is an indication of the cost of insurance – group 1 is the lowest risk/cheapest insurance and 50 the highest.  There are websites available that allow you to search makes/models by insurance group.

For car tax, car’s registered since 2001 have been taxed according to official CO2 emissions based on a number of bands, so a car in one of the lower bands will be cheaper to tax.  The band A rate is currently £0/year but this only applies to cars with CO2 emissions up to 100g/km – a level only achieved by relatively new, and therefore relatively expensive, super-economical mostly diesel models.  If the car you’re looking at was registered before 1 March 2001 then an engine 1549cc or smaller will ensure the lowest car tax.

There’s more to think about than just tax and insurance when buying your first car – If you’re buying an older car then you’ll want to do as much as you can to avoid buying something that’s going to present you with an expensive repair bill after a few months.  Check service history carefully and consider getting the car independently inspected.

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