A 1995 is the last year for "easy" diagnostic for do it yourselfers. I bought mine 6 months ago and still like it. From the sounds on the board, a Volvo averages about $1000 a year in maintenence. That's a lot of money, unless you are willing to do your own. Is there a reputable non-factory independent Volvo shop in your area? Dealers tend to throw new parts on a car until it is fixed. Same with their checkups, they list too many things which are not bad and you have to figure out what is critical or not.
Besides, women are normally given scare tactics to influence them into unnecessary work. Guess I don't like dealers! Your AC is not going to work without a rechage of R143a. Easily done, but if you have someone else do it, $100! The turbo will start to leak oil - $300 at the dealer. You can buy parts at FCP Groton or spend 10 times the amount at a dealer.
The lack of service records is a problem. Severe. Find out who the previous owner was, it's on the title, and call him. If the person selling you the car won't tell, tell him you won't buy. My 850 had all of the records since day one, and I am the 4th owner. Remember, the car is 10 years old now. $5500 is reasonable, 5000 is even better.
If you don't want to do maintenance, find a Subaru. We don't know what part of the country you live in - snow belt, sun belt, LALA land... and that does make a difference. Lots of horsepower and ice make for adrenalin driving.
Klaus
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98 V70Rawd(101Kmi), 95 854T(85K mi), 88 245(165K mi)
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