Best car for a 18 year old 'just passed' driver,£15k budget

Best car for a 18 year old 'just passed' driver,£15k budget

Author
Discussion

Otispunkmeyer

12,611 posts

156 months

Tuesday 24th March 2015
quotequote all
ajh38 said:
I would get a 1.2 C1/ 108 (the Aygo isn't built in 1.2). They're quite fun, cheap to insure and have things like reversing camera, Bluetooth, USB, Auto lights, mirror screen etc.

Cheap to insure and cheap to fuel. They've been out less than a year so will still be modern when you finish university and for a small car they are reasonably good on the motor way.
UP!/Mii/CitiGo can be hand for 5-6k as well. Lower spec ones, but they are cars in the same mould as the Aygo and are supposedly more refined on the motorway. Toyota currently have 1 years free insurance on the Aygo, but I think you need to take their finance and I am not sure on the age limit. Peugeot will do a just add fuel PCP thing that covers everthing and looks ideal for those who just want to pay X and have it all taken care of.

New Aygo and its brothers are very good cars as well, faster than their 70 hp would suggest and decently refined with plenty of cool toys (if you don't go totally spartan and opt for the proper 7 inch display system). Would happily have one.

I nearly went for an Aygo X-cite on PCP at the weekend but did a U-turn. Just couldn't face paying x for 40 months. It wasn't even that much, circa £140/mo, which for 2 people earning above average each and with a modest mortgage is easily doable. But I just couldn't bring myself to be on tick. The dumb thing is, we could save the cash to buy outright and then I'll be quibbling over dropping it all on a car thinking its better to bung it all in savings and investments.

In short, I'll never buy anything at all and end up wearing the same clothes and driving the same car for the rest of my life. The end.

Edited by Otispunkmeyer on Tuesday 24th March 12:34

McSam

6,753 posts

176 months

Tuesday 24th March 2015
quotequote all
bramley said:
This is painful reading. Why shouldn't the OP spend his £15k budget? I would if I was him. And what's all this 'no need to spend that much' crap? YOU didn't spend that much because YOU couldn't. OP can, get over it!
Because if he spent £10k on a decent car, he'd waste £5k in insurance in the first year. If he spent £14k on a car that's cheap to insure, it'd be crap and also a waste of money. There's really no good way to spend £15k on your first car, not with the way insurance is these days. Hence all the suggestions of saving the rest for when you can actually have something nice.

Sometimes we're actually trying to help, rather than being bizarrely bitter towards someone more fortunate.. rolleyes

Sump

5,484 posts

168 months

Tuesday 24th March 2015
quotequote all
Surely that depends on the financial situation of that family? For some people £15k is a weeks wages.

So if money is purely an object then it really doesn't matter about blowing £5k on insurance.

R2T2

4,076 posts

123 months

Tuesday 24th March 2015
quotequote all
Personally i'd forget about getting a new car, you'll constantly be worried about people hitting it in car parks and you'll need to bend over prior to taking insurance out.

I'd have a look at an older car, and buy and run it for a year using 5k, and then use the 10k you've put aside 2 years later, once you have 2 years NCB to buy a proper car, You can get a BMW Z4, 350z, Porsche Boxters and a lot better cars for 10k that wouldn't be an option with no NCB.

Think about it, is an insurance company going to insure you as a new driver on a 300hp RWD Nissan Sports car?

No, or if they do you'll be spending 10k on insurance.

Be patient. My first car was a Ford Ka, and I was cooler than most because I was the one of the first to pass and get a car, not because of the car itself. Some people tried to take the piss yeah, but they soon got put in there place when you asked what they drove.

OP, I'm only a couple of years older than you, I had the cheap shed, now I'm in the position that I can drive what I want and pay semi-reasonable insurance costs. It will come to you aswell, but you need to wait a year/18 months, driving around in something older (not necessarily a shed) for a bit to get used to the roads, driving on your own and with people and then move up into the more powerful sports cars. Next year i'll be looking at something with a lot more than the 120 or so hp I have now to something probably beginning with a 3, or even a 4.

If you blow all of your money on a new-ish first car, then you'll have no money when you're in a position to insure something nice, fast and sporty you can't afford the car.

5k for the first year or so, then look at spending the other 10k on something better when the time comes and insurance allows.

bramley

1,670 posts

209 months

Tuesday 24th March 2015
quotequote all
McSam said:
ecause if he spent £10k on a decent car, he'd waste £5k in insurance in the first year. If he spent £14k on a car that's cheap to insure, it'd be crap and also a waste of money. There's really no good way to spend £15k on your first car, not with the way insurance is these days. Hence all the suggestions of saving the rest for when you can actually have something nice.

Sometimes we're actually trying to help, rather than being bizarrely bitter towards someone more fortunate.. rolleyes
But it's not for you to decide the point at which his insurance premium is a waste is it? If he can afford it, why not?

Look around this forum, none of us NEED these nice cars do we?! OP fill yer boots smile




S10GTA

12,687 posts

168 months

Tuesday 24th March 2015
quotequote all
R2T2 said:
and then use the 10k you've put aside 2 years later, once you have 2 years NCB to buy a proper car

5k for the first year or so, then look at spending the other 10k on something better when the time comes and insurance allows.
Re-read thread. There is no 10k later.

vtecyo

2,122 posts

130 months

Tuesday 24th March 2015
quotequote all
15k of your parents money including insurance, with chick appeal.

Evo.

Next.


PS:

R2T2 said:
I was cooler than most....


....Some people tried to take the piss yeah
Sorry to burst your bubble but...

Edited by vtecyo on Tuesday 24th March 14:05

bramley

1,670 posts

209 months

Tuesday 24th March 2015
quotequote all
R2T2 said:
Personally i'd forget about getting a new car, you'll constantly be worried about people hitting it in car parks and you'll need to bend over prior to taking insurance out.

I'd have a look at an older car, and buy and run it for a year using 5k, and then use the 10k you've put aside 2 years later, once you have 2 years NCB to buy a proper car, You can get a BMW Z4, 350z, Porsche Boxters and a lot better cars for 10k that wouldn't be an option with no NCB.

Think about it, is an insurance company going to insure you as a new driver on a 300hp RWD Nissan Sports car?

No, or if they do you'll be spending 10k on insurance.

Be patient. My first car was a Ford Ka, and I was cooler than most because I was the one of the first to pass and get a car, not because of the car itself. Some people tried to take the piss yeah, but they soon got put in there place when you asked what they drove.

OP, I'm only a couple of years older than you, I had the cheap shed, now I'm in the position that I can drive what I want and pay semi-reasonable insurance costs. It will come to you aswell, but you need to wait a year/18 months, driving around in something older (not necessarily a shed) for a bit to get used to the roads, driving on your own and with people and then move up into the more powerful sports cars. Next year i'll be looking at something with a lot more than the 120 or so hp I have now to something probably beginning with a 3, or even a 4.

If you blow all of your money on a new-ish first car, then you'll have no money when you're in a position to insure something nice, fast and sporty you can't afford the car.

5k for the first year or so, then look at spending the other 10k on something better when the time comes and insurance allows.
Oh sweet Jesus....

McSam

6,753 posts

176 months

Tuesday 24th March 2015
quotequote all
bramley said:
But it's not for you to decide the point at which his insurance premium is a waste is it? If he can afford it, why not?

Look around this forum, none of us NEED these nice cars do we?! OP fill yer boots smile
No, it's not for us to decide any of this. But he asked. Which is why we're giving advice. That is how forums work, isn't it?

oyster

12,609 posts

249 months

Tuesday 24th March 2015
quotequote all
I'm more concerned that the OP states his parents will give him £15k for a car but not £15k to put in premium bonds.

When my children are 18, I'd be expecting THEM to be telling me that they'd rather invest than splurge it on a crappy eurobox.

bramley

1,670 posts

209 months

Tuesday 24th March 2015
quotequote all
McSam said:
o, it's not for us to decide any of this. But he asked. Which is why we're giving advice. That is how forums work, isn't it?
He asked for car suggestions. You haven't given him any car suggestions, just your life history, a delightful anecdote about Mondeo exhausts, and told him he's Doing It Wrong.

So, yes, this is exactly how forums work!

zebra

4,555 posts

215 months

Tuesday 24th March 2015
quotequote all
bramley said:
But it's not for you to decide the point at which his insurance premium is a waste is it? If he can afford it, why not?

Look around this forum, none of us NEED these nice cars do we?! OP fill yer boots smile



Reality check; it is what his parents can afford.

Most of the suggestions are about being sensible with his parents money, not splurging everything on car that is going to be going up and down to Scotland whenever he comes home to get his washing done.

TurboHatchback

4,162 posts

154 months

Tuesday 24th March 2015
quotequote all
I don't give the advice to buy a cheap old petrol car out of jealousy, I genuinely think parents buying children new cars as new drivers is a terrible idea no matter how much money they have. Of all the people I have known start to drive, the ones who bought their own cars were fine and the ones who had them bought by parents crashed them.

I think the memory of the hard work that was required to earn that car instills a sense of value and inspires much greater care to be taken. Older cars in general have less electronic nannying, greater feedback and a softer window of loss of grip, driving them will teach new drivers much more about limits than modern cars.

BritishRacinGrin

24,732 posts

161 months

Tuesday 24th March 2015
quotequote all
vtecyo said:
chick appeal.

Evo.

Next.
rofl

Fast and Furious generation hehe

R2T2

4,076 posts

123 months

Tuesday 24th March 2015
quotequote all
vtecyo said:
15k of your parents money including insurance, with chick appeal.

Evo.

Next.


PS:

R2T2 said:
I was cooler than most....


....Some people tried to take the piss yeah
Sorry to burst your bubble but...

Edited by vtecyo on Tuesday 24th March 14:05
It wasn't a cool car, no. I know that. Frnakly, it was st.
But what it was, was a car which no-one else had - which made it.


Evo, as a first car?
rofl

TheAngryDog

12,409 posts

210 months

Tuesday 24th March 2015
quotequote all
R2T2 said:
Personally i'd forget about getting a new car, you'll constantly be worried about people hitting it in car parks and you'll need to bend over prior to taking insurance out.

I'd have a look at an older car, and buy and run it for a year using 5k, and then use the 10k you've put aside 2 years later, once you have 2 years NCB to buy a proper car, You can get a BMW Z4, 350z, Porsche Boxters and a lot better cars for 10k that wouldn't be an option with no NCB.

Think about it, is an insurance company going to insure you as a new driver on a 300hp RWD Nissan Sports car?

No, or if they do you'll be spending 10k on insurance.

Be patient. My first car was a Ford Ka, and I was cooler than most because I was the one of the first to pass and get a car, not because of the car itself. Some people tried to take the piss yeah, but they soon got put in there place when you asked what they drove.

OP, I'm only a couple of years older than you, I had the cheap shed, now I'm in the position that I can drive what I want and pay semi-reasonable insurance costs. It will come to you aswell, but you need to wait a year/18 months, driving around in something older (not necessarily a shed) for a bit to get used to the roads, driving on your own and with people and then move up into the more powerful sports cars. Next year i'll be looking at something with a lot more than the 120 or so hp I have now to something probably beginning with a 3, or even a 4.

If you blow all of your money on a new-ish first car, then you'll have no money when you're in a position to insure something nice, fast and sporty you can't afford the car.

5k for the first year or so, then look at spending the other 10k on something better when the time comes and insurance allows.
It must be hard work being so cool?

BritishRacinGrin

24,732 posts

161 months

Tuesday 24th March 2015
quotequote all
59bhp Endura-E biatches!

rofl

Munter

31,319 posts

242 months

Tuesday 24th March 2015
quotequote all
BritishRacinGrin said:
vtecyo said:
chick appeal.

Evo.

Next.
rofl

Fast and Furious generation hehe
Not just me that chuckled at the idea then.

Guys who got the most chicks had something like a classic car, or something lads considered boring. Polos, Golfs, Minis, 205, 309 a Skoda Rapide. All pulled the chicks. Anything with a wing on it or that made a lot of noise did not.

McSam

6,753 posts

176 months

Tuesday 24th March 2015
quotequote all
bramley said:
McSam said:
No, it's not for us to decide any of this. But he asked. Which is why we're giving advice. That is how forums work, isn't it?
He asked for car suggestions. You haven't given him any car suggestions, just your life history, a delightful anecdote about Mondeo exhausts, and told him he's Doing It Wrong.

So, yes, this is exactly how forums work!
Christ. Every other week we get a new member like the OP, and almost without fail they're amazed to find that there are options other than a six-month-old one-litre hatchback. They usually go away better informed and look at a much wider variety of cars. I'm sure we like to think they're better off.

I took a different approach to demonstrating how the typical route isn't the only one nor necessarily the best. I was trying to be helpful and informative. He seemed to appreciate it. Only you are giving me st for it, and I wasn't trying to help you.

And to think I said I hoped the OP would enjoy his stay here.. Sometimes I'm not sure I'm enjoying it myself.

R2T2

4,076 posts

123 months

Tuesday 24th March 2015
quotequote all
TheAngryDog said:
It must be hard work being so cool?
Nope. Just happened.