Do I trade in the Wagon R for a MJD

Shakensoul · 21st August 2008, 16:42

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.

vipul_singh · 21st August 2008, 17:15

While you are at it, also factor in the cost difference of insurance, which would be higher for a new car.

bblost · 21st August 2008, 17:29

Quote:

Originally Posted by vipul_singh

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.

Lalvaz · 21st August 2008, 17:31

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.

anujmishra · 21st August 2008, 17:54

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.

bblost · 21st August 2008, 18:05

A swift answer NO to the Swift.

snaronikar · 21st August 2008, 18:08

@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.

vipul_singh · 21st August 2008, 18:45

Quote:

Originally Posted by Lalvaz

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.

abhi1309 · 21st August 2008, 19:31

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.

iceman7 · 21st August 2008, 20:16

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.

vnabhi · 21st August 2008, 20:40

Quote:

Originally Posted by bblost

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.

anjan_c2007 · 21st August 2008, 20:59

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??

phamilyman · 22nd August 2008, 07:32

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.

DieselFan · 22nd August 2008, 09:51

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).

bblost · 22nd August 2008, 10:42

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.

21st August 2008, 16:42	#16
Shakensoul BHPian Join Date: Apr 2007 Location: AS01 Posts: 498 Thanked: 241 Times View My Garage	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.
	() Thanks

21st August 2008, 17:15	#17
vipul_singh BHPian Join Date: Sep 2005 Location: BLR / Lucknow Posts: 595 Thanked: 833 Times View My Garage	While you are at it, also factor in the cost difference of insurance, which would be higher for a new car.
	() Thanks

21st August 2008, 17:31	#19
Lalvaz Senior - BHPian Join Date: Jul 2006 Location: Bombay Posts: 1,413 Thanked: 2,181 Times	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.
	() Thanks

21st August 2008, 17:54	#20
anujmishra Senior - BHPian Join Date: Jun 2008 Location: Bangalore Posts: 1,290 Thanked: 492 Times View My Garage	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.
	() Thanks

21st August 2008, 18:05	#21
bblost Team-BHP Support Join Date: Jul 2007 Location: Hyderabad Posts: 11,005 Thanked: 15,316 Times View My Garage	A swift answer NO to the Swift.
	() Thanks

21st August 2008, 18:08	#22
snaronikar Senior - BHPian Join Date: Jun 2007 Location: Bengaluru Posts: 2,845 Thanked: 29 Times View My Garage	@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.
	() Thanks

21st August 2008, 19:31	#24
abhi1309 BHPian Join Date: Jun 2007 Location: Pune Posts: 446 Thanked: 68 Times View My Garage	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.
	() Thanks

21st August 2008, 20:16	#25
iceman7 BHPian Join Date: Apr 2008 Location: BOM \| TLL Posts: 751 Thanked: 469 Times	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.
	() Thanks

21st August 2008, 20:59	#27
anjan_c2007 Distinguished - BHPian Join Date: Jul 2008 Location: India Posts: 8,316 Thanked: 20,602 Times View My Garage	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??
	() Thanks

22nd August 2008, 07:32	#28
phamilyman Senior - BHPian Join Date: Jul 2007 Location: Gurgaon Posts: 5,968 Thanked: 4,642 Times	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.
	() Thanks

22nd August 2008, 09:51	#29
DieselFan Senior - BHPian Join Date: Mar 2007 Location: Bangalore Posts: 1,584 Thanked: 259 Times	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).
	() Thanks

22nd August 2008, 10:42	#30
bblost Team-BHP Support Join Date: Jul 2007 Location: Hyderabad Posts: 11,005 Thanked: 15,316 Times View My Garage	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.
	() Thanks