cheapest golf to insure?

[DanSN1]

looking for my first car as i'm 17 imminently... whats the best option golf wise?

stepdad reckons a mk6 1.2 on fianance (£200 a month ish) sounds good to me, however the insurance is still like £3000 a year or something mad, obviously i can get this somewhat lower but there may be a better starting point.

[Bellend]

Why on earth they put a 1.2 in a MK6 I have no idea.

What you need to do is find cars for sale.

How old?

Like find a 1.3 MK2 and a 1.6
MK3 1.4 and 1.6 1.9D, 1.9TD, 1.9TDI
MK4 1.4 and 1.6, 1.9 SDI, 1.9 TDI

etc etc and just get prices.

Paying 200 a month for a first car, especially at 17 is a stupid idea.

[DanSN1]

surely a 1.9 (i know how slow they are) would be way more than any 1.2? i'm guessing they did it for first time drivers

[Bellend]

No, not the case. I own a MK4 1.9SDI and for me and my younger brother who is 17 it's cheaper than a 1.4 and 1.6 to insure.

The 1.6 is far nicer but I'd have the 1.9 over the 1.4 all day long.

MK3 1.6 was cheaper than a 1.4 for me too.

[DanSN1]

No, not the case. I own a MK4 1.9SDI and for me and my younger brother who is 17 it's cheaper than a 1.4 and 1.6 to insure.

The 1.6 is far nicer but I'd have the 1.9 over the 1.4 all day long.

MK3 1.6 was cheaper than a 1.4 for me too.

do you know why this is? also i don't know if you'll be able to answer but i just got quoted £6000 monthly on a 1.9 mk4 tdi but only £1900 if i pay yearly?

[dom]

No, not the case. I own a MK4 1.9SDI and for me and my younger brother who is 17 it's cheaper than a 1.4 and 1.6 to insure.

The 1.6 is far nicer but I'd have the 1.9 over the 1.4 all day long.

MK3 1.6 was cheaper than a 1.4 for me too.

do you know why this is? also i don't know if you'll be able to answer but i just got quoted £6000 monthly on a 1.9 mk4 tdi but only £1900 if i pay yearly?

When you pay monthly you are effectively taking out credit which is why you're paying considerably more.

Insurance has so many variables, postcode, experience, age, job etc. that it is almost impossible to say which car would be best for you to insure. I'd hazard a guess that a £12k Mk6 will cost more to insure than a £1k Mk4/Mk3 though.

Who'd be taking out the finance on the MK6? Parents I'm guessing? Will the car be registered in your name?

[DanSN1]

When you pay monthly you are effectively taking out credit which is why you're paying considerably more.

Insurance has so many variables, postcode, experience, age, job etc. that it is almost impossible to say which car would be best for you to insure. I'd hazard a guess that a £12k Mk6 will cost more to insure than a £1k Mk4/Mk3 though.

Who'd be taking out the finance on the MK6? Parents I'm guessing? Will the car be registered in your name?
[/quote]

yeah all correct,well they don't seem too far off in price difference actually

[Jimble]

Having a new car with a smaller engine will most likely be a little cheaper to insure than an old clunker, mainly due to better security, i had a mk3 escort eclipse as my second car which was £900 to insure tpft, i then had a brand new Corsa 1.2 sxi which was £420 fully comp, go figure!

[danny_p]

problem is  it's unlikley your first car will last very long before it gets thrown in a hedge

[VW BUSH]

I took out credit when I was 17 and was paying it back long after my car went to Escort heaven