The 2012 Dodge Journey.

The 2012 Dodge Journey. Credit: Handout

Most car buyers fixate on price without bothering to calculate other long-term ownership costs. But comparing what you'll likely pay for fuel, insurance and repairs over the time you own a vehicle makes you a much smarter shopper -- and could save you thousands of dollars.

We asked Vincentric, an automotive data firm, for a list of vehicles with the lowest five-year ownership costs. Comparing those autos with ones that did well in Kiplinger's annual rankings -- in which we reward performance, value and safety -- we found the best bang for the buck in four categories.

We think the Ford Focus S is a better choice. It has a higher sticker price ($17,295), but the total five-year cost, at $31,553, is close. Better yet, the Ford features a zippy 2.0-liter engine that puts out 160 horsepower and gets 26 mpg city and 36 highway.

If your tastes run toward European driving dynamics, consider the Volkswagen Passat S ($20,765). It's clean-cut inside and out and matches the Camry's safety awards. Five-year costs: $36,063.

If a German hatchback isn't your style, check out the Acura TSX ($30,695). Its four-cylinder engine is powerful but thrifty; it produces 201 horses and gets 22 mpg in the city and 31 on the highway. A moonroof is standard, as are heated leather seats. Five-year ownership costs total $45,575.

For tried-and-true value, our pick is the Honda Pilot LX ($29,280). Its resale values are high, and it offers generous passenger and cargo space. Five-year ownership costs total $44,396.

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