Help me oppo!

"Nymphicus Hollandicus" (nymhicus-hollandicus)
03/02/2018 at 21:35 • Filed to: None

So... I really want to get a manual car so badly as my car is an autotragic (and so boring). I’m considering a Civic of some sort. Trouble is, I don’t know how expensive the payments would be and how much my car would get on trade. Then there’s the issue of insurance (being 22 and having 1 accident, thanks previous employer) and what I’d do with my winter wheels. They wouldn’t fit and I don’t think I’d be able to sell them. I really want something that’s cheap and fun with a manual, is that too much to ask for? I’m just not sure what I’d do.

Any guidance?

DISCUSSION (13)

AestheticsInMotion > Nymphicus Hollandicus
03/02/2018 at 21:42

Check with your insurance agent before making any decisions. Bring a list of at least 5 cars you’re interested in, and you’ll be able to see how much it would cost to insure each one.

CarsofFortLangley - Oppo Forever > Nymphicus Hollandicus
03/02/2018 at 21:46

Fiesta ST?!

KingT- 60% of the time, it works every time > Nymphicus Hollandicus
03/02/2018 at 21:51

How much will I end up paying per month? http://www.calculator.net/auto-loan-calculator.html

Plug in the numbers and find out

How much is my current car worth in trade in/private party sale?

https://www.kbb.com/whats-my-car-worth/

https://www.edmunds.com/appraisal/

http://www.nadaguides.com/Cars

How much will I pay for insurance? Call/eMail your insurance agent.

Civic Hatch Ex-T Manual, Used Honda Accord, Hyundai Elantra Sport ,Mazda 3 are good choices

Nymphicus Hollandicus > CarsofFortLangley - Oppo Forever
03/02/2018 at 21:53

No way, I can’t find those new, and I’d prefer not to get one.

Supreme Chancellor and Glorious Leader SaveTheIntegras > Nymphicus Hollandicus
03/02/2018 at 21:54

Civic’s are great to learn to drive a manual on, its so forgiving. Check witb your insuranc though before you even start shopping. My 8th gen cost 9,000 OTD and my payments weren’t horrible for it being the first car I financed by myself.

Nymphicus Hollandicus > KingT- 60% of the time, it works every time
03/02/2018 at 21:55

Civic is the most likely option. I like the Sport Hatchback but I’d prefer to drive something that doesn’t recommend premium gas.
I’m also considering the Fit because I like how practical it can be.

Nymphicus Hollandicus > Supreme Chancellor and Glorious Leader SaveTheIntegras
03/02/2018 at 21:58

Almost certainly going to go new, I’m not so keen on going used.

KingT- 60% of the time, it works every time > Nymphicus Hollandicus
03/02/2018 at 22:04

If you drive the new Civic manual or Mazda 3 hatcbacks you will not like the Fit, at least that is my opinion

Eric @ opposite-lock.com > KingT- 60% of the time, it works every time
03/02/2018 at 22:21

The Fit is nice for a subcompact, but note the qualifier. However, I agree that compared to pretty much any compact not made by FCA, it’s not amazing. Everyone I’ve had look at a Fit and a Soul end up buying a Soul...

Eric @ opposite-lock.com > Nymphicus Hollandicus
03/02/2018 at 22:55

I’d check out all the current compacts that offer a manual before choosing (except the Dart - hot garbage).

Options that are probably worth checking out: Mazda3, Civic, Focus, Forte, Soul, Impreza, Golf, & Corolla

I’d at least compare a handful of them. Most of their price points are close enough that you might be looking at maybe 20 dollars difference per month on a loan, tops, unless you go for a really high end variant of any of these, which probably isn’t your target if you’re looking at a Civic.

Eric @ opposite-lock.com > Nymphicus Hollandicus
03/02/2018 at 22:59

I don’t think any common compact recommends, let alone requires, premium. Maybe their most exotic variants, but that’s it. Even my car will run on regular, but I don’t.

Eric @ opposite-lock.com > AestheticsInMotion
03/03/2018 at 00:26

This is really great advice. Insurance can vary wildly between cars in the same class, even with the same safety ratings, particularly for single under-25 drivers.

boxrocket > Nymphicus Hollandicus
03/03/2018 at 11:41

Get a Mazda3, from CarMax, with MaxCare.

1: Mazdas are very comparable to Hondas, and, frankly, the civic has been overrated and outdated for a long time. The new civic is ugly and has an awful infotainment system. 2014+ Mazda3s have superior interiors, ergonomics, the stick shift is engaging, rewarding to drive, yet forgiving, and the clutch feel is excellent.

2: Insurance is higher on the civic because lots of younger drivers get them and wreck them.

3: Buying new as a younger driver isn’t financially reasonable. Buying used means less to finance, less to insure, and you can still afford an extended warranty (or service plans, since some aren’t technically warranties) and Gap coverage.

4: CarMax is widely available, their extended coverages are good at any ASE-Certified shop/dealership, and they genuinely stand behind their cars.

5: Get financing from a credit union. Lower interest rates and they report your credit.