Ford Fusion v. Lincoln Zephyr: Worth the Premium?

Not too many people compare models from the same manufacturer, it is simply something that just isn't done. Still, when the models are similar enough in development, yet very different in price, the question to be asked about the more expensive car is this: is it worth the premium? Both the Ford Fusion and Lincoln Zephyr share the same platform along with the Mercury Milan. The base price differential for the two models is nearly ten thousand dollars, quite a big difference for the two cars. Is the Zephyr overpriced? Or, is the Fusion that much more of a better buy? Or, perhaps the answer lies somewhere in between. Let's check out the two cars and see how they compare.

The Ford Fusion is a welcome addition to the Ford line up as the venerable but aging Taurus leaves the fleet. Along with the full size Five Hundred sedan and the Freestyle crossover vehicle, these new models are part of the overhaul changes put in place by Ford to get the brand moving again.

Ford tapped its relationship with Mazda to build the Fusion. Borrowing the well regarded Mazda 6 platform, the Fusion, Zephyr, and Milan all share the same platform and many of the components. As mentioned earlier, the Lincoln Zephyr is priced nearly ten thousand dollars more than the Fusion.

So, what are the differences between the Fusion and Zephyr? Unfortunately, not that much. Both cars come equipped with a 3.0L Duratec V6 paired with a six-speed automatic transmission. In each model the engine produces the same 221 h.p. and the same performance results are achieved. This isn't bad, but it is disappointing that Ford engineers did not tweak the Zephyr enough to distinguish it from its more pedestrian sibling.

While under the hood differences are not present, there are some differences in the ride. As typical with all Lincoln products, the Zephyr's suspension system is tuned for a gentler, more luxurious feel. According to Lincoln, the steering has also been modified to give it a above average assist.

Next, the interior has been upgraded to include real walnut trim, a modified dashboard with sport display, and plush front bucket seats. The exterior possesses the ubiquitous big Lincoln grille as well as larger than life tail lights and keyless entry.

The Zephyr also offers a broader standard equipment list than the Ford, including a premium sound system, power heated front seats, and traction control. Still, a the top of the line Fusion SEL offers similar equipment options for a much lower price.

Ultimately, what it comes down to for potential buyers is this: would you be satisfied with a fully loaded Fusion SEL or are you willing to pay a premium for the Lincoln with a more luxurious trim level and a softer ride? A judgment call that only you can make despite the huge price differences between models that vary little from each other. 

Car Leasing Basics

Over the past few years, the popularity of car leasing has soared. When you compare leasing with buying a car and suffering the humongous monthly installment fees, leasing provides a better and more viable financial option.

For auto leasing, you need to know the tricks of the trade so that you will not end up paying more than when you directly buy the car. There are car dealers and manufacturers who can give you your money's worth if you want to go for this option.

You will get a better deal out of the car dealers if you appear knowledgeable about the auto leasing industry, so read up.

'Auto Leasing Defined'

You would "lease" a car by paying for the costs by which the vehicle depreciates in value. You can calculate depreciation costs by subtracting the car's value by the time that the lease ends, from its original value. There are cars which depreciate more than other brands. The rule of thumb is, the smaller the amount that your car depreciates, the lesser the costs to lease.

Once you decide to go for leasing over buying a vehicle, you may choose the one with the least depreciation value.

If you decide to go for this option, you need to learn about "lease term". This is the number of months that the vehicle is leased. Typically, leases last for 24, 36 or 48 months, depending on your contract.

'Leasing or buying: Which option is kinder to your pocket?'

-Automobile leasing requires you to have a good credit, so if your credit score is low, it is better to go for buying.

You may even be disapproved for a lease if your credit history is not good. Or, at the very least, you will be required to pay higher monthly dues.

-Leasing companies would need to profit from you.

They will invest capital on buying the car, then lease that car out. Just like with any loan, their money shoudl earn interest so you better consider this as well when considering the advantages of buying.

-Make sure that you get the best deal out of car leasing by comparing the monthly costs with the interest rates of your local car dealer.

By making a note and comparing both prices, you would more or less have an idea of which option to go for.

'Car Leasing Tips'

- When deciding on the model or make of the car that you will lease, choose the Japanese and European cars. These are basically the brands which have lower depreciation rates, as compared to the American vehicles.

You will find out that most luxury cars have the lowest depreciation values. Research, visit a local car dealer in your area or ask friends who are currently leasing cars. They should have some great tips to share with you on how to get the best deal out of leasing cars.

-Leasing a car may put a big dent in yur budget when it comes to car maintenance. You need to make sure that you are a "car-friendly" user when you opt to go for auto leasing.

-Definitely go for leasing if you are the type who wants to own the latest cars in the market. In the long run, leasing will be a better option for you as compared to buying the latest car model then trading in or selling the old one that you have.

-As much as possible, choose a shorter lease period. This is so that you can optimize the warranty of the vehicle.

-Finally, avoid the long-term leases, because the car's value will decrease by the time the lease ends, and this is mostly when engine problems begin.