GolfGTIforum.co.uk
General => General discussion => Topic started by: Ninja on 24 November 2011, 16:53
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My missus has just passed her test today (first time!) woohoo!
But we're REALLY struggling on insurance and what car to choose. Budget it EVERYTHING.
Cheapest I can find is £290 deposit, with 11 months at £130 and that's for a Corsa 1.2... The 1.0 is a beast with 12 Valves, so that's a no-go according to Mr. Insurance Man.
Are there any cheaper cars to insure?!
Basically she's after a car that will last her first year so she can gather 1 year of no claims, and as low insurance as possible.
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Best friend she has a Punto 1.2. Pays 1k at 19 just passed test.
Gf has a Ka and pays 1500 and is pretty much the same age and time she passed yesterday, literally days.
Its her postcode which is the 500 more tho Pinto would be 1700.
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Ka.
More expensive.
I've tried:
Punto
Saxo
Corsa
Golf
Micra
Polo
Ka
Accent ( :sick:)
106
306
Clio
Siecento
Cinquicento
Matiz
I'm stuck. Surely that can't be the cheapest quote. :undecided:
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Sciento/Cinquecento.
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Sciento/Cinquecento.
Tried also. :embarassed:
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Best option is to go for the newest car you can, with the smallest engine.
Limited milage, try named drivers but probably won't help.
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Best option is to go for the newest car you can, with the smallest engine.
Limited milage, try named drivers but probably won't help.
She has a budget of £400 as the insurance is such a joke :shocked: So new car.. not possible unfortunately.
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Driving a car used to be a privledge, these days its a Luxury!
Is it me or new drivers dislike older cars like Mini's?
I'm sure they were dirt cheap to insure for a year?
I went up against a Cinquicento I lost and then he showed me what he had under the hood.
Nice cars in the day at uni we hired 6 of them for the day different colours and drove around London bumper to bumper :smiley:
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seat arosa / vw lupo ?
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I found going for the typical ' first car' ie saxo clio corsa etc ridiculously expensive to insure from all the claims that have been made against them! Try going down the family car route ie focus etc youl be pleasantly suprised I think :wink: I certainly was
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I found going for the typical ' first car' ie saxo clio corsa etc ridiculously expensive to insure from all the claims that have been made against them! Try going down the family car route ie focus etc youl be pleasantly suprised I think :wink: I certainly was
1998 Ford Focus 1.6
Deposit: £843.48
Instalments:
(11 x £201.60)
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Have you had a look at estates? For some reason they seem to be cheaper to insure :undecided:
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Fiesta?
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Fiesta?
Fiesta is more expensive, even for 1 1993 1.0L
£1,592.84
Deposit: £398.21
Instalments:
(10 x £136.19)
Total: £1760.11
That's for an estate - so MUCH cheaper than the focus. Now all we need is a 1.2 Corsa estate, lol.
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I know you were all wondering, but a Suzuki Baleno GLX is off the cards too.
:cry:
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I found going for the typical ' first car' ie saxo clio corsa etc ridiculously expensive to insure from all the claims that have been made against them! Try going down the family car route ie focus etc youl be pleasantly suprised I think :wink: I certainly was
Agree!
Smart car?
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I found going for the typical ' first car' ie saxo clio corsa etc ridiculously expensive to insure from all the claims that have been made against them! Try going down the family car route ie focus etc youl be pleasantly suprised I think :wink: I certainly was
This!
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I found going for the typical ' first car' ie saxo clio corsa etc ridiculously expensive to insure from all the claims that have been made against them! Try going down the family car route ie focus etc youl be pleasantly suprised I think :wink: I certainly was
This!
Just tried a host of family cars - quotes went into the 2-3K mark :cry:
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Mk3 estate?
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Ford Ka 1.3
Deposit: £365.23
Instalments:
(10 x £124.91)
Total: £1614.33
Suzuki swift 1.0
Deposit: £460.02
Instalments:
(11 x £188.49)
Total: £2533.41
Toyota Starlet 1.3
Deposit: £390.30
Instalments:
(11 x £158.35)
ARGH!!!
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Haters gonna hate, but Suzuki Alto? :laugh:
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Haters gonna hate, but Suzuki Alto? :laugh:
I don't believe i've seen one. It even sounds crap, that's not a good sign.
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These quotes are all pittence anyway! My missus gets her liscence back in Feb after drink driving. (Morning after). She also had 3 accidents in the first year she was driving (was only driving 18 months) of which 2 were her fault. Wish me luck trying to find it for her!!! Only quote so far was for a brand new punto 1.2 evo - £3700! :laugh:
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Haters gonna hate, but Suzuki Alto? :laugh:
I don't believe i've seen one. It even sounds crap, that's not a good sign.
(http://i511.photobucket.com/albums/s353/MrBounce38/Suzuki_alto_5.jpg)
It's crap... :laugh: :laugh: :laugh: :laugh:
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Peugeot 206 1.1 or 1.4HDI best bet, what you pay extra for the car, you'll save in mpg
Thom
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Cheapest I've now got is...
1.2 Clio RN
Deposit @ 322.00 and 10 months at 110.00
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As much as I hate these schemes, what about buying a brand new one from a dealer? Pretty sure I've seen a few offering a new car with first years insurance included.
Would mean taking on a few years finance though....
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As much as I hate these schemes, what about buying a brand new one from a dealer? Pretty sure I've seen a few offering a new car with first years insurance included.
Would mean taking on a few years finance though....
I know mate, we looked into it. It seemed to be the cheapest option - problem is, she's not old enough tol qualify (need to be 25)
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Have you tried shopping around??? All your quotes are in the same format so the same insurer?
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Have you tried shopping around??? All your quotes are in the same format so the same insurer?
ptrobally just off a comparison site :rolleyes:
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Have you tried shopping around??? All your quotes are in the same format so the same insurer?
ptrobally just off a comparison site :rolleyes:
Yeah compare the meerkat. Also rang around, but cheapest when ringing around was ... wait for it..... 3.5K
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when my mrs just past her test TEsco new drivers policy was good, it was about £600 odd for a 206 1.1!
It was good compared to the others, but this was awhile ago
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Dont bother with a 1.0 corsa three cylinder - really crap engine ive known three people who have had them and all three had head gasket issues - low mileage cars too.
****Edit just read it you already counted that out :embarassed:
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[
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moped ?
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moped ?
Lol, I don't think she passed he driving test to drive a Moped mate.
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Classic mini :wink:
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metro
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moped ?
Lol, I don't think she passed he driving test to drive a Moped mate.
Can you transfer moped ncb onto a car?
If so tell her to sit tight for a year, buy a dirt cheap moped, take out the cheapest 3rd party insurance you can find and let it sit there for a year. She'll get a years no claims and it'll probably work out cheaper than insurance on the crappest of cars.
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What insurer is that with bud?
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Doubt youle see under 2k and if you do it wownt be by much so just find something around that mark that she likes. also if she can pay all at once shel save alot. my inaurance is 1k paid up front. or 1800 paid monthly. thats with 2ncb no accidents ect ect ect
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tried a rover 200 1.1 8v? that was my first car and only cost me 800 quid a year a couple of years ago
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How about a Classic Mini, Insurance is not bad, but buying a good one would be the hard bit :/
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How about a Classic Mini, Insurance is not bad, but buying a good one would be the hard bit :/
Classic mini :wink:
Great minds...... :afro:
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Out of interest... Could you try this?
G741THM
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http://www.autotrader.co.uk/used-cars/perodua/nippa/used-perodua-nippa-ex-5dr-croydon-fpa-201146429577304?logcode=p
You get paid to drive these cars
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piaggio ape. they have the cheepest insurance ever
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piaggio ape. they have the cheepest insurance ever
someone i know had one for his first car, used to make a few quid on the side by going to his local dh track and giving an uplift service to everyone who was riding, then use the money he had made to buy some food then go riding :D
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sit tight till shes 25 then get something thats 15+ years old and insure it as a classic. polos golfs minis anything! as long as she does not use it for work of course! and as long as she not like 17 or something cause thats the whole plan f**ked mmkay :smiley:
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Think what clarksons bit in the sun today said about insurance is so true.
Anyone else read it?