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5 Cheapest Cars to Own

5 Cheapest Cars to Own

5 Cheapest Cars to Own

The price you negotiate for a car and the interest you pay on the car loan are only part of the cost equation. Insurance, depreciation, taxes and fees, what you pay over the years for fuel, service and repairs, and even the opportunity cost of the money you lay out as a down payment (what you'd make if you invested the money elsewhere) are all important ingredients in the cost of ownership.

All the vehicles on the list are small either compacts or subcompacts because they tend to have the lowest market price, the best fuel economy, and reasonable insurance rates since premiums tend to rise with horsepower.

Note that with the lower-price class, you may also have to pay extra for automatic transmission, air conditioning and sometimes even a radio not to mention such safety features as anti-lock brakes. Most are equipped with six standard airbags but only half have standard stability control. (The market price is the average transaction cost and reflects rebates; all vehicles have manual transmissions, unless otherwise noted.)

Nissan Versa 1.6 Base 4dr

Market price: $10,922

5-Year fuel cost: $8,456

5-Year insurance cost: $4,851

Total 5-Year ownership cost: $26,233

Depreciation: $6,874

Fees & taxes: $905

Financing 5-year loan at 5.95 percent: $1,371

Opportunity cost of a 15 percent down payment: $452

Maintenance: $1,917

Repairs: $1,406

Nissan's subcompact hatch, which gets 26 miles per gallon in the city and 34 mpg on the highway, hits the streets at a smidge over ten grand but offers a bigger interior than classmates Toyota Yaris and Honda Fit. Six airbags are standard on even the lowest trim, but you'll pay $250 extra for ABS.

Hyundai Accent GL 2dr hatch

Market price: $9,677

5-Year fuel cost: $8,085

5-Year insurance cost: $5,134

Total 5-Year ownership cost: $26,715

Depreciation: $7,748

Fees & taxes: $822

Financing 5-year loan at 5.95 percent: $1,207

Opportunity cost of a 15 percent down payment: $423

Maintenance: $1,795

Repairs: $1,500

For under $11,000, the Accent boasts killer fuel economy of 34 mpg on the highway and 28 in the city. Even on the base model, optional equipment includes an iPod hookup ($35) and Bluetooth ($325). Six airbags are standard, but there's no option for ABS.

Chevrolet Aveo5 LS 4dr hatch

Market price: $11,038

5-Year fuel cost: $8,171

5-Year insurance cost: $5,446

Total 5-Year ownership cost: $26,958

Depreciation: $7,547

Fees & taxes: $919

Financing 5-year loan at 5.95 percent: $1,385

Opportunity cost of a 15 percent down payment: $451

Maintenance: $1,618

Repairs: $1,422

Chevy's smallest car will be replaced next year by the Sonic, but for 2011 the little hatchback offers good interior space and cargo room 15 cubic feet with the 60/40 split rear seat up. Maintenance and repairs average just $3,000 for five years. Side airbags and six months of OnStar Automatic Crash Response are standard, but ABS and side-curtain airbags are not available. Mileage is 27 city, 35 highway.

Ford Fiesta S 4dr

Market price: $13,212

5-Year fuel cost: $7,576

5-Year insurance cost: $5,623

Total 5-Year ownership cost: $28,402

Depreciation: $8,919

Fees & taxes: $1,063

Financing 5-year loan at 5.95 percent: $1,690

Opportunity cost of a 15 percent down payment: $467

Maintenance: $1,564

Repairs: $1,500

The return of the Fiesta to Ford's lineup brings serious value and premium-car amenities to the compact category. A wallet-friendly price meets a peppy engine, an ultra-smooth manual transmission, and terrific handling. The SE trim offers Ford's SYNC system (to connect phones and music players) as a $665 option. Even the entry-level Fiesta boasts a full complement of safety equipment: seven airbags (including a driver's knee airbag), ABS, stability control and traction control. Mileage is 28 city, 37 highway. Coolest electronic gadgets!

Mazda2 Sport 4dr hatch

Market price: $14,625

5-Year fuel cost: $7,825

5-Year insurance cost: $5,630

Total 5-Year ownership cost: $28,593

Depreciation: $8,405

Fees & taxes: $1,139

Financing 5-year loan at 5.95 percent: $1,864

Opportunity cost of a 15 percent down payment: $490


Maintenance: $1,613

Repairs: $1,627

Its design is unmistakably Mazda, but the Mazda2 isn't just a downsized Mazda3. Built on the same platform as the Ford Fiesta, this sporty hatch takes corners with ease, and it has a full line of standard safety equipment ABS, stability and traction control, and six airbags. Mileage is 29 city, 35 highway. Can't wait to buy these electronic gadgets?

Use this checklist and save big with cheap tech gadgets the next time you make a car purchase.
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