Ownership and Costs
Share This Page
Paying MTV in Installments: The Math Behind Paying Upfront vs. Installments
Paying the MTV in installments is not a loss if the installment campaign used is interest-free; if there is a maturity difference, you will pay extra out of your pocket compared to paying upfront. The official structure in the legislation already con…
Read More
Where Every Lira You Pay for Gasoline Goes: SCT, Refiner's Share, and VAT
Roughly one in every three liras you pay for gasoline is tax; the remainder consists of the product cost, distributor and dealer shares, and small regulatory deductions. The mechanism that actually determines the price at the pump is not internationa…
Read More
Diesel or Petrol? A Comparison of Long-Term Ownership Costs
The correct answer to the diesel or petrol question lies not in the vehicle itself but in how you use it: the only thing that determines the fuel type is how many kilometers you drive per year and where you drive those kilometers. For a driver who st…
Read More
Does LPG Conversion Really Save Money?
Yes, LPG conversion provides savings under the right conditions: since the price per liter is roughly half that of gasoline, net fuel costs drop by 35–45%, and the conversion cost typically pays for itself within 9 to 18 months depending on annual mi…
Read More
Should You Buy a Car with a Loan or Cash? The Effect of Interest on Ownership Costs
Should you buy a car with a loan or in cash? The short answer is this: Which one makes sense depends on the difference between the total cost of the loan and the return the cash on hand could earn. Loan interest, file fees and taxes are added directl…
Read More
The Expensive Math of Not Losing Your No-Claims Discount
The no-claims discount is a premium discount applied at the next renewal to drivers who complete a policy period claim-free in traffic and comprehensive (kasko) insurance; it works on a tiered structure, is tied to the individual, and in the event of…
Read More
Authorized Service or Independent Service: Balancing Cost and Warranty
There is no single correct answer to the question of authorized service vs. independent service; the right answer depends on the vehicle's warranty status, the work to be done, and the quality of documentation of the job. For a vehicle whose warranty…
Read More
Why Is the Car You Barely Use Still Straining Your Budget?
Leaving the car in the garage doesn't stop it from wearing you down. Insurance, taxes, depreciation, the aging of tires and battery - expenses that keep running non-stop even when the odometer stands still. What's more, the less you use it, the more …
Read More
Separating the Fixed and Variable Costs of Car Ownership
Car ownership costs are divided into two groups: fixed expenses that are paid even if you do not use the vehicle, and variable expenses that increase with every kilometer you travel. Insurance, MTV (motor vehicle tax), and depreciation fall into the …
Read More
Is the Cost of Electric Car Ownership Lower Than Gasoline Cars?
The ownership cost of an electric car is generally lower than a gasoline car for drivers who can charge at home and drive a moderate number of kilometers per year; however, this advantage narrows significantly as fast charging usage increases and bat…
Read More
The Costs of Car Ownership Nobody Talks About
When it comes to the cost of car ownership, kasko insurance, motor vehicle tax and fuel come to mind; yet what really wears down your budget are the daily items nobody ever headlines: parking and valet fees, penalty points, HGS balance risk, inspecti…
Read More
Is Renting a Car Cheaper Than Owning One?
The honest answer to this question depends on how many kilometers you drive your vehicle per year and how many years you plan to keep it: for profiles with low annual usage or those who renew their car every 2-3 years, leasing is often a predictable …
Read More