<prompt> Human: Hey,My SO is 19 and is planning on buying her first car. Her dad is offering to pay the down payment and cosign. However, hes trying to persuade her to get a BMW or Benz because he thinks theyre better. Her budget is 15k. Im of the opinion that she should buy a new Ford Fiesta or the like because of 1. Lower or zero interest financing2. Warranty3. Reliability 4. Cheaper insuranceEven forgoing the luxury brands, would there generally be an advantage buying newused in the 12-15k range?  <response>: In addition to what others have said insurance will be really high for a brand new BMW or Mercedes for a 19 year old 