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5 Cars For The Gen X With A Price Tag Of Rs. 4 Lakh Or Less

The demand for cars in the Indian market has been ever-increasing. Every segment has seen growth but the Compact Vehicles segment, in particular, has been the most successful one. Indian consumers, especially the Generation X, tend to choose a vehicle that looks good, serves well, fits in the garage easily, is big enough for weekend family outings, and does not burn a hole in their pockets. And thus, Compact Cars are the most successful of the lot. Listed below are five such budget cars which serves the youth’s driving needs.

  1. Renault KWID: The Renault Kwid is one of the most recent players in the segment market and also one of the newest sensations. With its muscular body and sporty SUV-like stance, this entry-level crossover, has turned quite a few heads since its inception in May 2015. Since then, the French carmaker has launched many other versions of the car with great deal of cosmetic changes, especially to attract the young generation. The car is available in petrol variant only but comes in two different engine capacities: 799 cc and 999 cc. The three cylinder, 799 cc engine produces 54 PS of power at 5,678 rpm and 72 Newton metres of torque at 4,386 rpm. The 999 cc engine, on the other hand, produces 68 PS of power at 5,500 rpm and a torque of 91 Newton metres at 4,250 rpm. There are many sub-variants of the Kwid based on the features and options available. The top models comes with a first-in-class AMT dial. The Kwid is primarily available in six different color options: Fiery red, ice cool white, moonlight silver, outback bronze, planet grey, and electric blue. Other than these single tone colours, the car also has a number of other editions like the anniversary editions and the Climber edition which come in different color schemes. The latest addition to the Kwid creed is the Kwid MARVEL Avengers Super Hero Edition. This edition offers two new body decals for the car, inspired by the two famous MARVEL superheroes: Iron Man and Captain America. The base model of the Renault Kwid is priced at Rs.2,66,700 (ex-showroom Delhi).
  2. Maruti Alto 800: The Alto 800 is one of the most successful cars in India. After its predecessor, the Maruti Suzuki Alto, the Alto 800 was accepted and loved by the Indian market equally. The car got a facelift and new added features to meet the demands and expectations of the market. The Alto 800 gets fresh and spacious interiors, aero design, and a responsive engine along with a sturdy and practical frame that makes it perfect for almost any journey. It is powered by a F8D 796 cc, three cylinder engine clubbed with a 5 speed manual gearbox which produces 35.3 Kw of power @ 6,000 rpm and a maximum torque of 69 Nm @ 3,500 rpm. The car comes in 8 sub-variants along with optional CNG variants. Maruti Suzuki has also concentrated on the safety and thus the Alto 800 comes with driver-side airbag, rear door child lock, keyless entry, ORVMs, and fog lamps. The car also offers fuel efficiency of 24.70 kmpl in the petrol variant and 33.44 km/kg in the CNG variant. The colour options available for this car are: Silky silver, Auburn brown, Mojito green, Granite grey, Absolute black, Blazing red, Cerulean blue, and Superior white. With a price range of Rs.2.51 lakh to Rs.3.78 lakh, the Alto 800 was the second highest selling car in India for the month of February 2018.
  3. Maruti Suzuki Alto K10: The Alto K10 is an elder sibling to the Alto 800. It comes with a bigger engine and sharper features. The K10 is powered by a 998 cc, K10B engine which delivers 68 PS of power @ 6,000 rpm and produces a maximum torque of 90 Nm @ 3,500 rpm. The lightweight, but powerful K-Next engine helps the car to clock 0-60 kmph in 5.3 seconds. With a bold design on the exterior and dual-tone spacious interior, the Alto K10 can be an absolute eye-candy. The car comes in eight sub-variants along with CNG as optional. Both the manual and AGS versions provide fuel efficiency of 24.07 kmpl while the CNG variant provides 32.26 km/kg. It also offers 6 colours to choose from: Silky white, Tango orange, Granite grey, Fire brick red, Cerulean blue, and Superior white. The instrument cluster, glove-box, front power windows, driver-side airbag, fog lamps, keyless entry, the revolutionary Auto Gear Shift (AGS), and a price range starting at Rs.3.30 lakh, makes the car a worthy deal.
  4. Tata Tiago: The newest sensation from the house of Tata Motors, the Tata Tiago, has been widely accepted in the Indian market. It is finding its way up the ladder at a significant pace. The Tiago sports the new age design developed by Tata and thus offers a very agile and confident stance. The new colour schemes, smoked lens headlamps, sharp and high-mounted tail lamps, alloy wheels, stunning interiors, and top-notch technology in the dash makes the car drool-worthy. It is available in both petrol and diesel variants and comes in six sub-variants based on the features that the car offers. The petrol version is powered by a 1.2 litre Revotron engine which pumps out 85 PS of power @ 6,000 rpm and 114 Nm of torque @ 3,500 rpm. The diesel version, on the other hand, is powered by a 1.05 litre Revotorq engine which produces 70 PS of maximum power @ 4,000 rpm and 140 Nm of maximum torque @ 1,800-3,000 rpm. The Tiago also offers three different driving modes: The Creep Function, The Sport Mode, and the Shift Assist Manual Mode, to help meet your driving mood and needs. The car also provides some of the best safety features like immobiliser, speed dependent automatic door locks, day and night IRVM, airbags, etc. The Tata Tiago is priced at Rs.3.26 lakh (petrol) and Rs.4.04 lakh (diesel) [both prices ex-showroom Delhi].
  5. Datsun Redi GO: The Datsun Redi GO is yet another strong and good-looking competitor in this segment. It comes only in petrol variant but has two different engine capacities: 799 cc and 999 cc. It is further divided into four sub-variants: The Smart Drive Auto, The Gold 1.0L, The GO 1.0L, and The GO 0.8L. The Redi GO 0.8L is powered by a 799 cc engine which produces 54 PS @ 5,678 rpm and 72 Nm of torque @ 4,386 rpm, while the Redi GO 1.0L is powered by a 999 cc engine which pumps out 68 PS pf power @ 5,500 rpm and 91 Nm of torque @ 4,250 rpm. The fuel economy is 22.7 kmpl and 22.5 kmpl respectively for the 0.8L and 1.0L engines. The Datsun Redi GO is offered in five primary colours: Ruby, Lime, Silver, Grey, and White. Other than these the Gold 1.0L is a limited edition vehicle which comes with golden coloured body graphics and three colour options: Grey, Silver, and White. The Redi GO sports a bold and sleek YUKAN design philosophy which makes the car very appealing. It offers best-in-class ground clearance, headroom, and cabin room. It also comes in a Automatic Manual Transmission (AMT) variant with dual riding mode to make the drives even smoother. Safety features like airbag, child safety lock, immobiliser, parking sensors, and remote keyless entry make the vehicle an even better deal for a price tag starting at Rs.2.49 lakh.

GST Update: GST of 18% is applicable on car insurance effective from the 1st of July, 2017

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Car Insurance Reviews

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  • Bajaj Allianz Car Insurance
    " ."
    0.5 3.5/5 "Pretty good"
    I got the car insurance through dealer with Bajaj Allianz. The claim process was good and they do settlements directly with the dealer. I did not face any troubles in getting the claims. It was a first party insurance and had Nissan. I was associated with this insurer for only 3 to 4months.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 20, 2019
  • New India
    New India Car Insurance
    "Good in claim settlement"
    0.5 5.0/5 "Blown Away!"
    Last year I met with an accident, they done it very well. My car front bumper and radiator was damaged, I got the cash less garages the just taken one week of time to reflect the issue. I paid the premium of 11,000 for zero depreciation plan its fully covered.
    Was this review helpful? 0
    , ghaziabad
    Reviewed on Jul 19, 2019
  • ICICI Lombard Car Insurance
    "Premium should be reduced"
    0.5 5.0/5 "Blown Away!"
    I took car policy from ICICI Lombard, the policy cost is bit higher compared to others. I paid premium around Rs. 18,000 for one year comprehensive plan. It would be great if they reduced the cost of the premium so that many customer can avail their service.
    Was this review helpful? 0
    , noida
    Reviewed on Jul 19, 2019
  • New India Car Insurance
    "Needs improvement on the claim process"
    0.5 4.0/5 "Great!"
    I had chosen New India Assurance for my car insurance because I know a employee so I get some waiver off on the premium. I had claims on my previous car and the experience was not good. They need to improve on the benefits because I need to pay first for the cliam process then they send a cheque after 1 or 1.5 months that too after analyzing. I get 80% and sometimes 85% of the claim.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jul 19, 2019
  • New India Car Insurance
    "Good Experience"
    0.5 5.0/5 "Blown Away!"
    I purchased zero depreciation car insurance with New India Assurance, the cost is reasonable. Last year I paid the premium of Rs. 14,000 for one year policy its for four years old car. They got tie up with many service centers, the service is good I can reach at any time.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 18, 2019
  • Royal Sundaram Car Insurance
    "Useful Policy"
    0.5 5.0/5 "Blown Away!"
    My agency people where i took the car, they have proposed the policy from Royal Sundaram. I paid the premium amount of Rs. 13K nearly. My claim experience is very good and they have processed the claim within 1 day and its a 100% covered policy and i didn't pay anything from my pocket.
    Was this review helpful? 0
    , coimbatore
    Reviewed on Jul 18, 2019
  • United India Car Insurance
    "For new car, don't go for it"
    0.5 4.0/5 "Great!"
    The amount they are charging is less thats the reason i opted the car insurance policy from united India. I pay the premium amount of Rs. 2500. This is a third party insurance policy. Through consultancy, i used to renew my policy. I have not applied for any claim so far.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 16, 2019
  • HDFC Ergo Car Insurance
    "Whichever policy, Go for Zero dept"
    0.5 4.0/5 "Great!"
    My car insurance policy was with HDFC ergo because it was recommended by my dealer. I had claim experience and it was cashless and good. I did not pay anything from my pocket within 3 days, they have processed the claim and handed over my vehicle. It was a zero depreciation policy.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • ICICI Lombard Car Insurance
    "Good policy "
    0.5 3.0/5 "Satisfactory"
    Every time, i used to visit their showroom to renew my car insurance policy. I'm receiving the no claim bonus. This is a bumper to bumper covered policy. I pay the premium amount of Rs. 10000 and I'm not sure about the IDV value. They are providing the hard copy of the documents immediately. I do not have any claim experience.
    Was this review helpful? 0
    , greater noida
    Reviewed on Jul 15, 2019
  • HDFC Ergo Car Insurance
    "Good"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where I have taken the car insurance policy for life time policy, the premium amount is nominal I use to yearly basis. I use to do payment through an online. Their service is good. They used to process the claim as soon as possible and they will take care of the claim.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Should be transparent"
    0.5 1.0/5 "Really Bad"
    I met with an accident, I had to get it claim because I have Royal Sundaram car policy it was bumper to bumper at the time of enrollment they said its fully covered. But when I went for the claim, the insurer said car engine was not covered. Then I fought with Royal sundaram Insurance company. They quoted 1.40 lakh claim value and they made me to pay Rs. 70,000 from my end. However the additional cost of engine protection is just around Rs. 400 but I paid the premium of Rs. 20,000. I am very disappointed with them because they are not transparent. So I suggest to all, before going policy make sure whether its fully covered.
    Was this review helpful? 0
    , chennai
    Reviewed on Jul 13, 2019
  • Royal Sundaram Car Insurance
    "Policy not up to the mark"
    0.5 3.5/5 "Pretty good"
    The policy was overall good but end of the day i was not satisfied with the policy. When i purchase the policy, they said its a zero depreciation policy and its nil dept. But when i applied the claim, they have given me a claim only for 50%. In that, my car steering was not covered, Some engine parts and bumper was not covered.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jul 13, 2019
  • New India Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have bee using the car insurance policy with NEW INDIA ASSURANCE where the customer support is prompt by giving the information regrading the policy expiry date. I had no claim also the IDV value is good provided with the insurance policy.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jul 10, 2019
  • ICICI Lombard Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I have purchased the two wheeler insurance policy with the ICICI LOMBARD GENERAL INSURANCE where i had no claim experience with the policy. The premium paid was nominal also the IDV value is good with the policy. The service is good with the policy.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jul 10, 2019
  • National Insurance Car Insurance
    "Good Claim Experience"
    0.5 4.0/5 "Great!"
    I believe the premium is lesser for National Insurance car policy and they have good claim ratio when compared to private sector but the service needs to be improved. I done a claim there a small damage within a week time they came and took the details and within 15 days I got the reimbursement. I paid last premium of Rs. 10,461 for my Maruthi Baleno car.
    Was this review helpful? 0
    , pune
    Reviewed on Jul 09, 2019
  • Oriental Insurance Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    I am using the policy since from last 2 years with ORIENTAL INSURANCE where they have given coverage is for bumper to bumper. The premium paid was nominal and the IDV value was good also there was a road side assistance. No claim bonus is there with the policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jul 08, 2019
  • Bajaj Allianz Car Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    When i purchased my new car, i have bought the car insurance from Bajaj Allianz. I have made th premium amount of Rs. 33000 for the coverage amount of Rs. 9 lakhs. I do not applied for any claim till now. For the premium amount has taken along with the loan amount.
    Was this review helpful? 0
    , kochi
    Reviewed on Jul 06, 2019
  • New India Car Insurance
    "Need to improve the service"
    0.5 4.0/5 "Great!"
    Taken my car insurance from New India. My dealer has given the policy with them and I'm continuing with the same company. I pay the premium amount of Rs. 16000 for the coverage amount of Rs. 7.50 lakhs. I haven't got my no claim bonus. When i informed about the same, they were not ready to provide proper response.
    Was this review helpful? 1
    , kochi
    Reviewed on Jul 06, 2019
  • National Insurance Car Insurance
    "Excellent car insurance policy"
    0.5 4.5/5 "Excellent!"
    I went to the dealer and he had a tie up with the National Insurance company hence i have chosen them. I paid the premium amount of Rs. 22000. They have provided me a coverage amount of Rs. 4 lakhs. They have provided me a hard copy of the documents. Its a zero depreciation policy. I get a facilities of no claim bonus, roadside assistance.
    Was this review helpful? 0
    , rewari
    Reviewed on Jul 05, 2019
  • HDFC Ergo Car Insurance
    "GOOD"
    0.5 4.0/5 "Great!"
    HDFC ERGO GENERAL INSURANCE is the company where i am using the car insurance policy since from last 6 months also the premium paid was nominal added on that the IDV value is nominal with the policy. The policy coverage is for bumper to bumper with the policy.
    Was this review helpful? 0
    , jamnagar
    Reviewed on Jul 05, 2019
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