Family car suggestions?

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I work in insurance and I’ve seen the good, the bad, and the cheap. No offense to Dodge Caravan owners…but they’re ten-dollar vehicles that don’t hold their value.

An important point in vehicle ownership, besides the payments and resale, is the cost to fix them. Hondas are reliable so although sometimes their parts may be a little more costly, they cause the least aggravation. Consider if you’re ever involved in an accident…the second you drive the car off the lot and for the next few years, you’ll have negative equity in that vehicle.

Purchase gap coverage through your dealership. Some insurance companies offer it but it’s only up to something like $25% of the negaive equity. In that case, the dealer’s offer is the best.

For vans, the Honda Odyssey is my choice, hands down.

SUV’s don’t so much have high rollover rates as bad drivers. They have a higher center of gravity and people make the decision to try to corner them like a car…it doesnt’ work. They are as safe as anything if driven as they are meant to be driven.

I favor small SUV’s personally, but for many children it may not be appropriate. As much as I dislike vans, I really think you’d do well with one. Go for the Honda Odyssey and purchase gap coverage!

Someone mentioned the Swedish and German cars. Sure, they may be good cars, but who wants to spend $1000 in fixing a door handle? BMW’s are costly to insure because they are costly to repair. One would need a substantial down payment just to keep the montly bills reasonable…so in spite of their safety features which are stellar, I see them as being somewhat frivolous. If you have the money, go for it!

Saturns are also good…I have one…but beware of the designs obliterating the “B” pillar. I think there are a few companies like this. They sport doors opening from the center outward instead of the usual design, and this can be deadly in a T-bone accident. Not to mention in a collision affecting the structural integrity length-wise.

Good luck!
 
Wow! JCPhoenix has some great advice! The only thing I might add is to consider where your nearest dealer is (for service). We bought a Subaru Forester a few years ago with the dealer about 5 miles away. They then moved about 10 miles away. Needless to say service on the vehicle is not being performed as it should.

Our next purchase a couple of months ago was a Honda Odyssey. One of the big selling factors was that the Honda service center is 1/4 mile down the road!

Consumers Report rates the Toyota Sienna just as high (if not higher) than the Odyssey, so if you have a Sienna dealer closer you may want to go that route.

But then, this might not be an issue for you!

Good luck!

Debbie
 

I work in insurance and I’ve seen the good, the bad, and the cheap. No offense to Dodge Caravan owners…but they’re ten-dollar vehicles that don’t hold their value.​

Who cares? If the vehicles serves you well.
I guess some people need fancy cars to show “who” they are… I would rather spend the money on something else, such as my children,gardening, house, or pets.
 
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Pax:
Why hasn’t anyone suggested an H2? 😃
These are awesome! and seriously, I’ll drive my European solid car, and let my husband have his H2 (one of these days) ----it sure is what the boys want!!!isn’t it? “master and commander of the road”–LOL ----Has anyone thought about how to fit it into ANY parking space in ANY public place???LOL—not a chance----

In all seriousness though, I wouldn’t get a mini-van or SUV if my life depended on it. It’s just too typical --middle America for me and my taste —soooooo boring-------I don’t see how folks can spend big $$$$$ on such a boring item--------- well to each his own-------I say if you spend the money --get what makes your heart beat fast-----what thrills you–not just “what’s practical and a good family car”-----live a little take risks --buy that BMWZ4-----YES!

God Bless~~
 
CD4 said:
I am driving my second Ford Windstar, and love it. It holds lots of kids and “stuff”…Looks nice, too. Very comfortable.

I would totally agree. I’m driving my second, Ford Windstar. The first one saved my, my pregnant sister and my two children ages 2 and 2 and a half months at the time, lives. We were rear-ended on a highway. We were at a dead stop and were hit from behind by a car going at least 40 miles an hour. The car was totalled, but we walked away without a scrape. I love my Ford Windstar!!
 
Uh, Sparkle, mini vans cost peanuts compared to a BMW or Volvo, also to replace a wind shield wipper on a Volvo or Beemer would put most families in the poor house.
I see no point in making a statement with my vehicle, I make it with how I live my life.
 
We have a Toyota Sienna and LOVE it! It’s considered one of the safest, too…🙂
 
I have to agree with Lily here. I have a 1999 Dodge Caravan and plan to drive it for many, many years so resale value isn’t really an issue. If you plan to buy a new vehicle and sell it after two or three years than resale is an issue.

We love our Caravan, and we love paying cash for our vehicles. We buy them used after the value has dropped. We hate debt.
 
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bapcathluth:
We love our Caravan, and we love paying cash for our vehicles. We buy them used after the value has dropped. We hate debt.
I totally agree. We went through Enterprise Car Sales. They were wonderful here to work with, don’t know how they are elsewhere. They have some great warranty deals, too. My family has purchased 5 cars through them now.
 
I agree with Sprakle…As I have said before, I am driving my second Ford Windstar. It’s large enough to accommodate a family, but not so big that it is intimidating to drive. The sound system is great, and the seats are very comfortable…I have both a cd player and a tape deck, as well as AC and heat that has vents in the back. Plenty of cup holders, and full power in the seats and everywhere else. The driver’s seat has an adjustable lumbar control…Very handy.

**My Windstar has everything in it that I would ever want…and it didn’t cost a mint! **

**Oh…My van is RED…and I love that. The windows are tinted, and that’s good for whoever is riding in the back seats. I can carry seven people and plenty of cargo. The other day I had three little kids, three adults, a bike and a double stroller in with me…There were also various “must haves” for the boys. **

I love my mini-van…It’s comfortable, safe, and does the job of getting me and mine here and there!
 
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Lilyofthevalley:

I work in insurance and I’ve seen the good, the bad, and the cheap. No offense to Dodge Caravan owners…but they’re ten-dollar vehicles that don’t hold their value.​

Who cares? If the vehicles serves you well.
I guess some people need fancy cars to show “who” they are… I would rather spend the money on something else, such as my children,gardening, house, or pets.
Maybe I wasn’t clear, but I’m not sure where you got the impression that I was advocating “fancy” cars…as clearly, if you read my post, I am not.

My issue with “ten-dollar cars” has to do wiht resale. It’s best to prepare for what we all hope an pray doesn’t occurr…an accident causing the vehicle to total. What are you going to do when you buy a car that doesn’t hold value…and end up WAY-UPSIDE DOWN on your loan. Sure, you could roll over the $3-$5000 you still owe into another loan, and of course, no matter what you buy, this could happen.

Buying a vehcile is a bad financial decision many of us are forced to make, and the ultimate question, besides the obvious issues such as safety, is what will happen when we drive it off the lot.

I own a Saturn, and I’m upside down now by about $2000, so even with Gap coverage, if I"m involved in an accident and total the car I’m going to lose some serious coinage between my down payment, monthly payments, etc. Sure, Gap will cover the difference but I’ll be left with $0 for a new purchase, making the next purchase even more expensive, the payments higher…etc.

Such is life. The bottom line is that when you buy a car you try to consider ALL the risks with each and every vehicle. I agree that if a vehicle serves your needs then it’s appropriate. I don’t believe in fancy cars myself although I don’t really begrudge them to people who can legitimately afford them.

Be wise with this decision. That’s my whole point.
+
 
Full-size Ford Econoline conversion van.

If you can find one on a good sale, they can be about the same price as a minivan (or maybe even less).

I bought a high-top 1996 model late in 1996 and it is still going (almost 80,000 miles). It has horrible gas mileage, but the seat-miles per gallon is pretty good. It can hold seven passengers quite comfortably with adequate legroom for all. And it is a really good shopping cart for going to Sams Club, Costco or BJ’s. And it has quite a capacity for luggage. The kids always loved it. It has a TV for trips (with video cassette player).

Ours gets about 10.5 miles per gallon city and almost 11 miles per gallon highway. It weighs about 7,000 pounds empty. It isn’t an SUV because there is nothing sporty about it. There is more interior room than any SUV I know of.

Normally we keep two 20" bicycles in the back behind the third row. And my wife takes the kids to school playgrounds so they can ride their bikes, or walk, or play.

The captains chairs are easily removable. Removing just one of them adds so much cargo space – for when we might buy something larger.

And once it is done as a family vehicle, I suppose all the chairs could come out and voila it becomes a painter’s van or similarly some kind of work vehicle. The chassis can take a lot more than 100,000 miles. I may re-paint it in the next year or two.

Obviously, this is not a solution for European readers. When my in-laws come over from England they tell me that full-size conversion vans are not common at all over there. And the color TV would be taxed I think. Petrol is so much more expensive over there.
 

My issue with “ten-dollar cars” has to do wiht resale. It’s best to prepare for what we all hope an pray doesn’t occurr…an accident causing the vehicle to total. What are you going to do when you buy a car that doesn’t hold value…and end up WAY-UPSIDE DOWN on your loan​

I see what you are conveying~but if one buys it used there is no need for a loan, it can be bought outright.
For instance my 93 is used, I bought it outright, in 97 no loans etc. It is comming up on 200,000 miles and still running strong.
 

We love our Caravan, and we love paying cash for our vehicles. We buy them used after the value has dropped. We hate debt.​

Exactly. Plus one pays more for insurance if one has a loan on a vehicle.
 
Re-sale value is a huge issue also if you have to finance a car (sorry, most have no choice but to finance a car. I don’t exactly have a few thousand sitting around) But the way I look at it is that anybody can get into financial trouble very fast and need to sell the vehicle when they can’t make the payments. If you are way upside down in the loan, your going to end up getting it repo-ed because you can’t come up with the difference. If you have a vehicle that holds it’s value, it will sell much faster and you may have a better chance of scrounging up the difference so you can sell it. I’ve had this happen to me before. DH lost his job, we owed way too much on the car and it ended up getting repoed because we weren’t able to sell it without money to make up the difference on the loan. This can happen to anyone.
 
We’ve got a Plymouth Voyager that we’ve had for the last 4 years. It’s been a sound dependable vehicle.

My wife primarly drives that. I’ve got a Saturn Vue ( this is my 3rd Saturn, I love those cars!)

I wanted something w\ 4WD for those MI winters. It’s big enough that we can fit the 3 kids w\car seats in the back, so my wife takes that one when the snows really bad. ( I can handle getting stuck by myself better than she can w\ 3 kids)

We’ve got child #4 due in Jan, so that arrangement probably won’t work this winter.
 
My personal preference would lead me to get an SUV. However, I would suggest the Toyota Sienna or the Nissan Quest.
 
There is a reason that minivans are so popular: they are extremely practical. Get the Sienna, and when you do, spend the ten bucks or so to get the Consumer Reports printout on the car (available online). It will tell you exactly what the dealer paid for the car and any kickbacks or incentives at the time. And I mean what the dealer really paid for the car, not his so-called “factory invoice.” You will save hundreds, if not thousands, armed with this info. The Odyssey would be my number two choice. Both are excellent vans. Get the sliding door on both sides. Well worth the extra expense as is the dual climate control. Other options are up to you, but those are two you won’t regret purchasing.

Chris C.
 
<<<Get the sliding door on both sides. Well worth the extra expense as is the dual climate control. Other options are up to you, but those are two you won’t regret purchasing>>>

You are so right…These are two of the things I like best about my Ford Windstar. I ALSO love the fact that I can control (with a touch) where my pedals are…I am short, so this is an important feature for me.
 
Our van has remote sliding doors so I can open/shut the slider doors from the drivers seat or with the remote thingy. This is my absolute favorite thing in the whole world! I COULD NOT live without it again! Well worth the money.
 
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