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What kind of mileage are you doing? And whats the difference in insurance? Personally wouldnt buy a zt for cheaper running costs as they arent as reliable. Need to do the maths really, expected mpg from the new car over x number of miles and rough guestimate of the same distance i yours and work out what the price difference is to run. As said you may buy a lemon that needs a ton of work so factor that in too
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