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The vehicle has only 46314 kilometers, but this may result in limited warranty coverage (manufacturer dependent). The insurance costs for the Opel Insignia B Sports Tourer 2.0 Diesel Business Elegance 4x4 Automatik are quite expensive at around 112 € per month and the costs for novice drivers are likely to be quite a bit higher. The new CO2 pricing results in an increased monthly tax of 27 €. The average depreciation of the Opel Insignia B Sports Tourer 2.0 Diesel Business Elegance 4x4 Automatik over a useful life of 5 years is 520 € per month. On average, the Opel Insignia B Sports Tourer 2.0 Diesel Business Elegance 4x4 Automatik trades for 44875 €, the offered vehicle has a gross list price of 41922 €.
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.
The lease payment is 249 € per month for a term of 36 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.
To the monthly leasing rate must also be added the additional costs, such as transfer and registration. With 5873 €, the dealer makes here again a neat surcharge. Dividing the total costs (leasing costs + fixed costs = 14837 €) by the number of months (for this offer: 36 months) gives the monthly effective costs. If you then divide this amount by the gross list price of 41922 €, you get the leasing factor. This Opel Insignia results in an effective leasing factor of 1.65, so it is an expensive leased vehicle. We recommend a leasing comparison with cheaper deals.
However, since this is a year-old car, so in fact a used car, the calculation is based on the purchase price rather than the gross list price.
Leasing rates / 36 months
8.964,00 €
Transfer / Approval
5.873,00 €
Total cost
14.837,00 €
Total cost
14.837,00 €
Runtime
36 Months
Leasing rate
249,00 €
(209,24 € netto)
Effective leasing rate
412,14 €
(346,34 € netto)
Kaufpreis
24.990,00 €
Leasing factor
1
Effective leasing rate
1.65
The costs per kilometer are decisive in kilometer leasing, especially if they have to be borne privately. With a monthly leasing rate of 249 €, the Opel Insignia B Sports Tourer 2.0 Diesel Business Elegance 4x4 Automatik 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 36 months at the most favorable lease price . For the Opel Insignia the monthly vehicle tax is rather high at 27 Euro. The cost of operating the vehicle, a combustion engine, i.e. the cost of fuel (and for diesel additionally Adblue). amount only 119 € per month, because the vehicle simply does not need much energy either. Added to this are insurance costs of 112 € per month, a reasonable lump sum considering the gross list price of 41922 €. In the transfer and registration, the dealer of this offer must apparently increased effort, the cost of which is 5873 €. The final assessment of this offer: Due to the high cost per kilometer in the amount of 0.49 EUR, and the high effective leasing factor, we can unfortunately not make a recommendation for this offer.
The previous costs are now summed and divided by the number of inclusive kilometers (10000 km multiplied by the term 36 months).
Costs p.a. (excl. leasing)
18.797,00 €
Fixed operating costs
18.797,00 €
Lease payments Total
8.964,00 €
Total cost
27.761,00 €
Total kilometers
29.988,00
Cost / Km (only leasing)
0,49 €
Cumulative total cost / Km
0,49 €
∅ Cost / km
0,42 €
Leasing factor
1.18
from353,00 €
∅ Cost / km
0,44 €
Leasing factor
1.1
from369,00 €
∅ Cost / km
0,41 €
Leasing factor
1.06
from337,89 €