August 4, 2009

Buying a Car - My experience

Disclaimer: The article here is no way connected with any of the vehicle manufacturer or dealer mentioned here. As a consumer, i have reproduced here my car buying experience.

The seeds of driving were sown early in life (in class VII) when I started learning driving on my Dad's Govt provided Willys Jeep. The Willys was later replaced by a Mahindra, and then an Ambassador car. Later we bought the Premier Padmini (a Fiat) and that was the first time I went driving solo . Next came home the Maruti Omni, a Wagon R and a Mahindra Scorpio. The passion for driving has always been there and I tried my hands on whatever vehicle I could catch hold of (of friends and family members). I even owned a couple of 2-wheelers, a Kinetic Luna Super and a Bajaj Kawasaki 4S Champion. Coming back to the main topic, of buying a car... the procedure I followed is described below...

Narrow down your preferences and requirements - Find out for what you need a car for... daily commuting, in-city or long drives, parking space, your budget (how much you want to spend), running costs, how many people would you normally carry, family size, a practical vehicle or a style statement, etc etc... the list goes on. Then comes your personal preferences, the color you want, the accessories provided, the variant you'd like to choose, if you'd like some off-roading, etc. Then comes the big question, petrol or diesel... again, I feel it is a personal choice. Petrol engines are peppy, responsive, trouble-free, light. Modern diesel engines are catching up with petrol, main advantage of diesel is great savings on running costs. Hire a mathematician who will work out what is better, depending on your daily running, fuel bills, difference in car costs, the EMI difference, etc etc. I wanted to keep it simple, I wanted a petrol!

I didn't want a hatch, hence all the hatchbacks were not considered. The Chevy Aveo, Hyundai Verna, Fiat Linea, New Honda City, Maruti SX4 and the Ford Fiesta were in the fray.

Chevrolet Aveo - I had rented the Aveo in the USA when it was launched (in 2007). After driving the VW Jetta there, the Aveo didn't feel inspiring. Back in India, I felt General Motors tried to strip it down and make it cheap. Hence, the interiors were not up to the mark, the engine... nothing great, the looks... too plain! They had the 1.4L engine which is still available, a 1.6 is available too.

Hyundai Verna - A nice roomy car, good for XL and XXL sized people. Looks are subjective, some like it, some don't. I felt it is a very practical daily car if you want to go from point A to B. If I had wanted a diesel car, i think Hyundai Verna Diesel would be the one... awesome power, nicely built! And the diesel comes with automatic transmission too.

Fiat Linea - Fiat's re-entry into India has been with a bang. Fiat Linea has been a great launch, a successful one too. The car looks great, feels and drives quite good too, this is combined with practical pricing. All these factors have led to success for Fiat. The Linea (petrol) felt a bit under-powered and sluggish. Overall it is a good package, loaded with accessories, and seems value for money.

Honda City - The 2009 Honda City has one of the best figures in India, the arrow-shot shape is killing. But Honda disappoints big-time on the features, accessories and the interiors of the car. The premium that Honda charges for its badge is very disappointing. The car is good on maneuverability, pulls along nicely and is fuel efficient.

Maruti SX4 - This is a value for money car, good for tall adults. It has decent performance, good handling. It is a bit low on fuel-efficiency though. The design and the looks are subjective, but I found the A-pillar obstructs the view. Also the high tail made me uneasy while reversing.

Ford Fiesta - A fun to drive, loaded with features, great handling car from Ford. It has won accolades for its great driving and is the most involving driver's car in India.

  • Start off with a test-drive - The first step is to try your hands on the cars you have short listed. Do make a point to list down the likes and dislikes about the car. Also, get the price quotes for the different variants, ask for special pricing, corporate discounts, etc. Having all these data will help you pin down the Make/Model.
  • Weigh the price and feature of the cars. Combine this with your personal driving experience as well as your preferences. For e.g. I am a young driver, I needed something sporty, which would look good and stand out in a crowd, fun for city as well as highway drive, moderately fuel-efficient.
  • Pricing - After you shortlist 2-3 cars, find out what the best price the dealer can offer. Also ask for freebies/accessories which will be given. Ask the pricing of extra accessory if something is not standard, e.g. alloy wheels or music system. I got a 58k corporate discount on the Fiesta. As Linea and City were newly launched, the discount was too low. Do check with pricing from other dealers in the city. For insurance premium rates, check out some sites like Apnainsurance. Also, refuse to pay additional charges like depot charges, etc.
  • Before finalising on the deal, go for another round of test drive, preferably with a close friend/relative or with your family.
  • Loan - Most of us go for a auto-loan. Check out for a good deal with your preferred bank or your salaried-bank. My salary bank gave me a loan, the interest of which was 1% less than the prevailing rates. Check out with nationalised banks like SBI, although they take a lot more time and paperwork than private banks. Loan comparison can be done at Apnaloan.
The final outcome: I decided to buy a Ford Fiesta 1.6S... why...
  • b'cos I got a good deal, 7.3Lacs on-road Mumbai (no real discounts on the Linea or the City)
  • b'cos the car came fully loaded at this price, with 6-spaker CD-mp3-aux-in audio system, 15" alloy wheels, side skirts, rear spoiler (top-end City doesn't even come with alloys, all others have 14" tyres)
  • b'cos it has a 1600cc engine (1300cc in Linea, 1500cc in City)
A word of caution: Find a bit about the dealer, check the promptness in service, make a visit to the service center too. I am not having a good time with SC Ford, Malad, Mumbai. The delivery was very much delayed, the sales-guy was un-responsive, they charged me extra at the last moment (for using a credit-card), registration took over a week, etc etc.

But finally I am very happy with my car, great pickup, nice handling, feels safe... the most imp part is that I enjoy every bit when I am in my car... and that matters most!

Hope this will help all potential car buyers. Comments welcomed !


  1. Nice experience and well described. Thanks for sharing your experience.

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  2. Comparison of 1.6S with 2011 Fiesta at

    Review of 2011 Fiesta at

  3. Nice post.
    I am also planning to buy Fiesta classic Lxi or CLxi petrol model. Tell me the mileage of this car. Also shall u suggest me any other car within the budget of Rs.7.5 on road.?

  4. Hi Nesa, most of the car manufacturers in India have something to offer you within your budget. Do some online search and narrow down to 2-3 choices, do test drives, get the best offers (dec is a great time to get great discounts). For online search u may use or
    Regarding Fiesta Classic petrol, the mileage in city with AC would be 11-12kmpl, in highway about 14kmpl. All the best, keep posting about your car buying.

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