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Old 21st August 2008, 16:42   #16
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Also please consider the actual re-sale value of your WagonR. I doubt it'll fetch you 2.5L, max you might be offered is about 2L.
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Old 21st August 2008, 17:15   #17
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While you are at it, also factor in the cost difference of insurance, which would be higher for a new car.
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Old 21st August 2008, 17:29   #18
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Quote:
Originally Posted by vipul_singh View Post
While you are at it, also factor in the cost difference of insurance, which would be higher for a new car.

Thanks. I missed this one.
The last insurance premium paid on the Wagon R was less than 7k.

Since I have made no claims so far this years renewal will cost be about 5k or less.
For the new car it will get covered in the OTR for the first year.
For the next year onwards I would be paying atleast 10k more than what I would pay for the Wagon.
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Old 21st August 2008, 17:31   #19
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Although you seem to have worked out the figures, and might be very tempted to go ahead with the MJD, bear in mind that soon there are going to be many new cars launched. The Palio might not sound like such a nice idea then.

Since your Wagon R is trouble free and will shortly be loan free, it might be a good idea to keep it for atleast another year. Surely there will be better cars to choose from in 2009. Also, as already pointed out, a new Palio would also mean higher insurance costs, as well as higher maintainence costs courtesy higher priced spares.
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Old 21st August 2008, 17:54   #20
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All you calculations are correct. But my suggestion is why dont you consider Swift VDi with the same engine and MASS support?

Also you will get some loyalty bonus when you trade you Wagon R with Maruti.
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Old 21st August 2008, 18:05   #21
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A swift answer NO to the Swift.
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Old 21st August 2008, 18:08   #22
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@bblost: If you want to get a new car just go for it. No matter what it takes.

Anyways, I assume you are a salaried person and year on year, you may get the raise in your salary which may be around 7k~10K per month. You can easily accomodate the increase in the EMI. Just think in this angle also.
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Old 21st August 2008, 18:45   #23
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Quote:
Originally Posted by Lalvaz View Post
Although you seem to have worked out the figures, and might be very tempted to go ahead with the MJD, bear in mind that soon there are going to be many new cars launched. The Palio might not sound like such a nice idea then.
Agreed! So, you would not feel that good about the Palio once a GP pulls alongside. Do try to visualize such situations. If you feel that's OK with you, go ahead.
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Old 21st August 2008, 19:31   #24
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Though I have a thing for Fiats, selling the WagonR which is obsolete and getting another old model (Palio is almost almost 8 years old now) would be a bad idea. Imagine your temptation to get new models when they are launched this year and the next. Hang on for a while and look at other options.
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Old 21st August 2008, 20:16   #25
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CRAP!! why did i open this thread. Now i am getting pangs to trade my car for an MJD. Will cost me 2300 bucks a month more than what i am spending now.

God help me resist this temptation.
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Old 21st August 2008, 20:40   #26
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Quote:
Originally Posted by bblost View Post
A swift answer NO to the Swift.
Just curious, may I ask why? I've read rave reviews about the Swift vdi. Except for a few rattles and slightly less back space, it seems to be a great vehicle.

While on this topic,even I have been getting tempted to dispose my WagonR and go for a better diesel hatch. But my current car loan for the Fiesta is a deterrant.This apart, the WagonR is used by my wife and son mostly, so I don't really care if it gets a few nicks here and there.
It does prove handy to me when Ameerpet falls in my radar.
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Old 21st August 2008, 20:59   #27
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Its a good option to go for a Palio MJD.But also back on the $$ issue, the Palio will have a lower resale value once you decide to sell it some years later. This is because as per FIAL press statement they will replace the current Palio by a new model in 2010. And 2008 is getting over in 4 months. The Wagon R is only 4 years old. So why not go in for a Palio in 2010??
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Old 22nd August 2008, 07:32   #28
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The only issue with the palio like I've said before (and this is a guy who had almost gotten a DD made): finding a good service center near your place (<10km) and one who stocks parts sensibly.

The palio's Indian parts cost about 30-40% more than swift's. Add on insurance, defensive driving and you wouldn't pinch much. However, if the workshop is an idiot (the only one I had within 35km is - some 10km away) he would stock lesser parts, which would actually be Brazilian parts that cost 3x maruti rates. Which is why delhi guys who service at Samyak (50km away for me) have no complaints, but I am mortified of the Gurgaon service center - I mean 12k for a rear bumper is stupidity. But the Indian one costs some 6k versus some 3200-3500 for swift for a much superior/sturdier (my opinion) construction. Parts availability is also much better. Only thing is your designated workshop.

Last edited by phamilyman : 22nd August 2008 at 07:33.
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Old 22nd August 2008, 09:51   #29
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TCO of palio MJD will be much higher than Swift VDI over a 100000 km. Here is my calculations -

1. ex showroom price of VDI is 20K more than ex showroom price of MJD - SDX
2. Service cost over 100000 km MJD would be at least 10 K more than swift (Cost of spare parts of Palio is way above swift and this is a conservative estimate).
3. Selling price of swift after 100000 kms will be 50K more than Palio.(Going by the resale value we have seen of palio so far).

So one would easily spend lesser on Swift VDI than on palio on a longrun.
Moreover you will find the service much better and faster than a palio service (Which today is really sad).
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Old 22nd August 2008, 10:42   #30
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Yesterday I started this thread.
Putting down in words the thoughts that were running thru my head.

But.

I drove back home after office.
The traffic was heavy as usual. some trance playing on the ICE.
The cabin silent as usual and the mood setting in right.
The roads appearing on the windscreen and disappearing in the rear views.
My car spoke to me.
I cannot change her.
Maybe I need to get my thoughts set in straight.
Apologies to my car and terms of endearment again.

Flashes of the highways she has taken me thru.
Momenst spent in her alone and with my loved ones.
My nephew crying, my neice smiling.
My neice sitting with pillows on the lap in the center of the rear seat.
Picking up my parents from the station.
The look on my dad when I arrived home in Chennai.
My wife getting angry and then getting happy when I suprise her by driving on to necklace road.
The trauma that accompanied the first scratch.
Anger at the first traffic nudge.
Changing the flat tire on a hot summer afternoon just after lunch.
Driving to an ice cream spot with barely any money.
Searching for a petrol bunk in the middle of nowhere.

I love my car. She loves me.
Somethings don't add up in money terms.
I would request the mods to close this thread.
But it has some fine comments and great points in it.
It will help anyone who might walk the same road.

My weekend is set.
Wash - Wax - Detail.
My offering of love.
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