First Car Help
Author
Discussion

Camlindsay

Original Poster:

99 posts

175 months

Tuesday 7th February 2012
quotequote all
Hi I've been looking around recently for a first car and i have alot of options but insurance is through the roof!!

Would somebody like to help me and give me some suggestions.

i would like a 02+ plate car and i have a budget of 6k for car and insurance.

Cheers,
Cam





illmonkey

19,818 posts

227 months

Tuesday 7th February 2012
quotequote all
Why 02+? Older classics will be cheaper to insure.

jamei303

3,084 posts

185 months

Tuesday 7th February 2012
quotequote all
Ford Fiesta HTH.

Camlindsay

Original Poster:

99 posts

175 months

Tuesday 7th February 2012
quotequote all
illmonkey said:
Why 02+? Older classics will be cheaper to insure.
I know classic is cheaper but i would like a more modern car; you know abs air bags powersteering etc

illmonkey

19,818 posts

227 months

Tuesday 7th February 2012
quotequote all
Camlindsay said:
illmonkey said:
Why 02+? Older classics will be cheaper to insure.
I know classic is cheaper but i would like a more modern car; you know abs air bags powersteering etc
Overrated, just don't crash wink

Jez0099

124 posts

176 months

Tuesday 7th February 2012
quotequote all
you will be expecting me to say a corsa, so yes a corsa c

jamei303

3,084 posts

185 months

Tuesday 7th February 2012
quotequote all
Jez0099 said:
you will be expecting me to say a corsa, so yes a corsa c
Why not a Toyota Yaris hmmm?

Or a Nissan Micra?

Camlindsay

Original Poster:

99 posts

175 months

Tuesday 7th February 2012
quotequote all
illmonkey said:
Overrated, just don't crash wink
I know but my parents are over protective when it comes to Cars/Bikes

boobles

15,251 posts

244 months

Tuesday 7th February 2012
quotequote all
What about something like this? Great to drive, reliable & fairly cheap to insure.

http://www.pistonheads.com/sales/3618035.htm

illmonkey

19,818 posts

227 months

Tuesday 7th February 2012
quotequote all
Camlindsay said:
illmonkey said:
Overrated, just don't crash wink
I know but my parents are over protective when it comes to Cars/Bikes
Corsas tend to be favorite. Could get a fairly good clio.

Take a look at the PH classifieds listings, find cars you like and find a number plate of a car you could possibly buy. Get a quote online for one of them, then just change the number plate on the quote and you'll soon see what is the cheapest.

Camlindsay

Original Poster:

99 posts

175 months

Tuesday 7th February 2012
quotequote all
boobles said:
What about something like this? Great to drive, reliable & fairly cheap to insure.

http://www.pistonheads.com/sales/3618035.htm
Boobles, i actually never thought of a ibiza!

Jez0099 said:
you will be expecting me to say a corsa, so yes a corsa c
Stop Bullying me into a corsa!!

illmonkey said:
Corsas tend to be favorite. Could get a fairly good clio.

Take a look at the PH classifieds listings, find cars you like and find a number plate of a car you could possibly buy. Get a quote online for one of them, then just change the number plate on the quote and you'll soon see what is the cheapest.
Best thing to do i suppose

Killer2005

20,597 posts

257 months

Tuesday 7th February 2012
quotequote all
Jez0099 said:
you will be expecting me to say a corsa, so yes a corsa c
Don't do this, if you really want something small get a Suzuki Swift sport or such like

Jez0099

124 posts

176 months

Tuesday 7th February 2012
quotequote all
surely you wouldnt be able to buy and insure a swift sport at 17 though

Camlindsay

Original Poster:

99 posts

175 months

Tuesday 7th February 2012
quotequote all
Killer2005 said:
Don't do this, if you really want something small get a Suzuki Swift sport or such like
Then again I do like corsa's

What does everyone think about inurance fully comp or 3rd party fire and theft?

NotDave

20,951 posts

186 months

Tuesday 7th February 2012
quotequote all
Fully comp. YOU need the NCB earning potential.

And on a 3-5K car you don't want it written off and useless WHEN you crash it

Camlindsay

Original Poster:

99 posts

175 months

Tuesday 7th February 2012
quotequote all
NotDave said:
Fully comp. YOU need the NCB earning potential.

And on a 3-5K car you don't want it written off and useless WHEN you crash it
only problem is then im looking at 1000 for a car and 5000+ for insurance

300bhp/ton

41,030 posts

219 months

Tuesday 7th February 2012
quotequote all
Camlindsay said:
Hi I've been looking around recently for a first car and i have alot of options but insurance is through the roof!!

Would somebody like to help me and give me some suggestions.

i would like a 02+ plate car and i have a budget of 6k for car and insurance.

Cheers,
Cam
How old are you?

Do you have a full licence yet? If so for how long?

If you are sub 20 and it's your first car and you are new to driving, I'd personally say don't spank £6k on a what will likely be a dull car. Spend £1k, and save the £5k. Then in 10-12 months upgrade using the saved money to something worthwhile.

Classics and kits offer the best insurance prices, but you'll need to phone a few places up and not rely on comparison websites.

If you must look at newer, then look at less obvious candidates, anything tinny, small and hatchback like will arse rape you in terms of insurance premiums. Instead try looking at bigger saloon cars, Mondeo and Audi A6 and up. You'll either find cheaper insurance or much nicer/faster cars for the same money as a crappy Corsa/Ibiza/Fiesta type of car.

Camlindsay

Original Poster:

99 posts

175 months

Tuesday 7th February 2012
quotequote all
300bhp/ton said:
How old are you?

Do you have a full licence yet? If so for how long?

If you are sub 20 and it's your first car and you are new to driving, I'd personally say don't spank £6k on a what will likely be a dull car. Spend £1k, and save the £5k. Then in 10-12 months upgrade using the saved money to something worthwhile.

Classics and kits offer the best insurance prices, but you'll need to phone a few places up and not rely on comparison websites.

If you must look at newer, then look at less obvious candidates, anything tinny, small and hatchback like will arse rape you in terms of insurance premiums. Instead try looking at bigger saloon cars, Mondeo and Audi A6 and up. You'll either find cheaper insurance or much nicer/faster cars for the same money as a crappy Corsa/Ibiza/Fiesta type of car.
Hi, I'm 16 at the moment but will be 17 in 5months, I will be spending about a grand on the car then I've got 5grand to play with insurance

NotDave

20,951 posts

186 months

Tuesday 7th February 2012
quotequote all
Five GRAND on insurance? fk off.


I know it's steep nowadays, but if you do it right, £200 PCM on insurance is your max. That's if you go big, and go monthly.

£1500 a year is base price IME of others your age.


Think outside the box. bks to the norm.

Think: AUDI A3 1600cc base model for £1k.

Think: Battered old Mk1 FOcus 1400cc

Think: Rover 214


Those will be far cheaper.

Camlindsay

Original Poster:

99 posts

175 months

Tuesday 7th February 2012
quotequote all
NotDave said:
Five GRAND on insurance? fk off.


I know it's steep nowadays, but if you do it right, £200 PCM on insurance is your max. That's if you go big, and go monthly.

£1500 a year is base price IME of others your age.


Think outside the box. bks to the norm.

Think: AUDI A3 1600cc base model for £1k.

Think: Battered old Mk1 FOcus 1400cc

Think: Rover 214


Those will be far cheaper.
Well insurance for a 17year old fully comp I'm not getting any quote lower then 4k no matter what I try