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What are the best cars for commuting?

John Aaron, wtop.com

WASHINGTON – Commutes in the D.C. area are among the longest in the country. Combine commutes with the region’s unpredictable drivers, stretches of unforgiving pavement and painfully high gas prices, and that makes selecting the right car all the more important.

CNBC has come out with its list of best cars for commutes. The report uses several factors including roominess and fuel efficiency.

WTOP had experts weigh in on the selections.

The most basic cars on the list are the Chevrolet Cruze ($16,800), the Honda Civic ($15,755) and the Hyundai Elantra ($15,995).

Mark Phelan, auto critic for the Detroit Free Press, likes both the Cruze and the Elantra because of their 40-plus miles-per-gallon highway fuel economy, which he says seemed “almost like science fiction” just two or three years ago.

Phelan prefers the Cruze and Elantra to the Civic, which is slightly less fuel efficient. But he says there’s not a bad choice in the group.

Ed Hellwig, editor at Edmunds.com, singled out the Elantra for its utilitarian approach.

“It just has a good, high-tech, four-cylinder engine that delivers solid mileage numbers, and it has all the features most people would expect,” Hellwig says.

“It’s about the size people would expect for a commuter car. Most people would be comfortable in it.”

If those cars are too basic, a pair of upscale compacts also made the list.

The Mini Cooper ($20,200) is “an enthusiast’s car that’s fun to live with,” says Phelan.

The Buick Verano ($22,585) is based on the more humble Cruze, but has enough improvements to justify the nearly $6,000 price difference.

“It’s as quiet as a tomb. Quiet interiors are something Buicks have kind of hung their hat on, and they’ve definitely succeeded with this car,” Phelan says.

Hellwig also says he, “can’t think of any feature people would want and not get in a Verano.”

Several cars that use electric power were included. But cars with more exotic technology, such as the Nissan Leaf ($27,700) and Chevrolet Volt ($31,645), only save owners money in rare circumstances because of their high initial cost.

Phelan says the Volt was his favorite car of the bunch because of its revolutionary technology. But he also says, “Nobody should buy a Volt or a Leaf in the expectation that it’s going to pay for itself in the first four or five, even six or seven years.”

Phelan adds that the all-electric Leaf could be a viable option for someone with a very predictable driving pattern, since it has about a 70-mile cruising range before needing a long time to recharge.

Even less expensive hybrids on the list, such as the Toyota Prius C ($18,950), take three to five years to recover the expense. Phelan calls the Prius C “really, really small” and prefers the conventional Prius hatchback.

A new kind of hybrid, the Chevrolet Malibu Eco ($25,235), tries to lessen the price premium by using a hybrid-lite mindset. Phelan says he’s glad the unique car, which GM isn’t promoting as a hybrid, made the list.

The Eco has a smaller battery pack than a traditional hybrid, and never runs in all-electric mode. Phelan predicts more cars will adopt this use of hybrid technology in the future.

But Hellwig says, while the car is interesting, the battery pack takes up space and makes the car less usable. For example, the rear seat doesn’t fold down like the standard Malibu.

If a larger car that still gets good gas mileage is the ultimate goal, a diesel powerplant may be in order. Both Hellwig and Phelan like the choice of the Volkswagen Passat TDI ($25,995), which gets the same fuel economy as its Jetta TDI sibling despite being noticeably larger.

“If you have a longer commute where you’re doing 40, 50 miles, that’s a car that could really deliver good mileage numbers,” Hellwig says, adding that it doesn’t feel slow.

“It’s really kind of the best of both worlds.”

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(Copyright 2012 by WTOP. All Rights Reserved.)

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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