Opel Insignia B Grand Sport 2.0 Diesel Business Elegance - Costs
Monthly costs for Opel Insignia B Grand Sport 2.0 Diesel Business Elegance
The insurance costs for the Opel Insignia B Grand Sport 2.0 Diesel Business Elegance are quite expensive at around 122 € per month and the costs for novice drivers are likely to be quite a bit higher.
The monthly tax is only 20 due to the CO2 pricing introduced in 2021, which takes more account of environmentally harmful emissions. The average depreciation of the Opel Insignia B Grand Sport 2.0 Diesel Business Elegance over a useful life of 5 years is 457 € per month. On average, the Opel Insignia B Grand Sport 2.0 Diesel Business Elegance trades for 39175 €, the offered vehicle has a gross list price of 42400 €.
Did you know? Immediately available vehicles like this one are usually a bit more expensive than order vehicles, because here the dealer calculates a surcharge for the storage / display of the vehicle into the offer.
Opel Insignia B Grand Sport 2.0 Diesel Business Elegance Total cost & lease factor
Calculation basis
The lease payment is 346.98 € per month for a term of 48 months, so it is an average-priced offer. Can we still talk about a leasing deal for the Opel Insignia? The decisive factor is the leasing factor, which is calculated by dividing the leasing rate by the gross list price.
The monthly leasing instalment must also be supplemented by the ancillary costs, e.g. transfer and registration. With this offer, however, nothing more is added in this respect. If you divide the total costs (leasing costs + fixed costs = 46992 €) by the number of months (48 months in this offer), you get the monthly effective costs. If you then divide this amount by the gross list price of 95390 €, you get the leasing factor. With this Opel Insignia results in an effective leasing factor of 0.82, therefore it is a good value leasing vehicle and a good leasing deal.
Fixed costs
Leasing rates / 48 months
16.655,04 €
Transfer / Approval
0,00 €
+
Total cost
16.655,04 €
Leasing factor
Total cost
16.655,04 €
Runtime
48 Months
÷
Leasing rate
346,98 €
(291,58 € netto)
Effective leasing rate
346,98 €
(291,58 € netto)
Bruttolistenpreis
42.400,00 €
Leasing factor
0.82
Effective leasing rate
0.82
Opel Insignia B Grand Sport 2.0 Diesel Business Elegance Cost per kilometer
Calculation basis
The costs per kilometer are decisive in kilometer leasing, especially if they have to be borne privately. With a monthly leasing rate of 346.98 €, the Opel Insignia B Grand Sport 2.0 Diesel Business Elegance is already somewhat expensive anyway. When calculating the costs per kilometer, however, a distinction should still be made between a rather short leasing period (2 - 3 years) and a longer one (4 - 6 years). For simplicity, we ignore this difference in the following calculation example and assume a lease term of 48 months at the most favorable lease price . For the Opel Insignia the monthly vehicle tax is rather high at 20 Euro. The cost of operating the vehicle, a combustion engine, i.e. the cost of fuel (and for diesel additionally Adblue). amount to just 96 € monthly, as the vehicle is very economical. Added to this are insurance costs of 122 € per month, a reasonable lump sum considering the gross list price of 42400 €. A plus point with this offer: There are no transfer / registration costs to one. The final assessment of this offer: Considering the good effective leasing factor of 0.82, even the rather high cost per kilometer (0.42 €) no longer seems problematic - this offer is a good deal!.
The previous costs are now summed and divided by the number of inclusive kilometers (10000 km multiplied by the term 48 months).
Fixed operating costs
€
€
€
€
€
+
Costs p.a. (excl. leasing)
16.272,00 €
Actual cost / Km
Fixed operating costs
16.272,00 €
Lease payments Total
16.655,04 €
+
Total cost
32.927,04 €
Total kilometers
39.984,00
÷
Cost / Km (only leasing)
0,42 €
Cumulative total cost / Km
0,42 €
Price development leasing Opel Insignia B Grand Sport 2.0 Diesel Business Elegance
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