First car under £3'000 plus £2'000 insurence
Discussion
Im 17 now and was considering either 1.4 Jetta or a 1.6 Passat both VW and 2006 models I'm gonna pass test in like 3 weeks plus I went on comparison website and got quotes with churchill both under £2400 result should I go for one of them or save extra £1500 and get a A3 Audi? Argh what to do!
Edited by matty0194 on Monday 20th April 13:28
You're happy at spending £2400 to insure your first car?
Look around. By the sounds of it you want one of these as your second car in a year or so's time.
Buy a £1000 banger, pay £1500 to insure it for a year, run around in that, get some no claims. That piece of paper is worth more than gold! 1 years NCB dropped my premium from £1500 first year, to £600 in the second year, I then got something nicer (what I have now)
That way, you'll have money set aside for an Audi A3, and can save an extra year to get a tidy one. (If that's what you really want)
don't blow it all on a nice car for the first year, and for christ sake, don't modify it yet, wait.
Insurers will want you bent over and lubed up if they get wind your car is modified.
Look around. By the sounds of it you want one of these as your second car in a year or so's time.
Buy a £1000 banger, pay £1500 to insure it for a year, run around in that, get some no claims. That piece of paper is worth more than gold! 1 years NCB dropped my premium from £1500 first year, to £600 in the second year, I then got something nicer (what I have now)
That way, you'll have money set aside for an Audi A3, and can save an extra year to get a tidy one. (If that's what you really want)
don't blow it all on a nice car for the first year, and for christ sake, don't modify it yet, wait.
Insurers will want you bent over and lubed up if they get wind your car is modified.
matty0194 said:
Im 17 now and I'm gonna pass test in like 3 weeks plus I went on comparison website and got quotes with churchill both under £2400
£500 shed is the only choice.Edited by matty0194 on Monday 20th April 13:28
Anything more will cost a ton to fix when it goes wrong, it will be your friends taxi when they are drunk and you wont care about as much when you make a mistake on a wet road one day.
Save the money, and buy something in a few years when you are older wiser and can buy and insure something special.
Had this with my brother recently, ended up with a base model 03 plate fiesta (with windy windows :P) and that is what I'd recommend here, or maybe a corsa, it's cheap to run, buy and insure and fairly reliable if slightly boring.
Yes you'd look cool with an audi etc but it will shaft you with running costs/repair bills and I doubt you'd get much audi for £3k. As others have said, wait a few years, then with NCD you'll be able to get something decent. That's the sensible view anyway
Yes you'd look cool with an audi etc but it will shaft you with running costs/repair bills and I doubt you'd get much audi for £3k. As others have said, wait a few years, then with NCD you'll be able to get something decent. That's the sensible view anyway
Db1904 said:
Had this with my brother recently, ended up with a base model 03 plate fiesta (with windy windows :P) and that is what I'd recommend here, or maybe a corsa, it's cheap to run, buy and insure and fairly reliable if slightly boring.
Yes you'd look cool with an audi etc but it will shaft you with running costs/repair bills and I doubt you'd get much audi for £3k. As others have said, wait a few years, then with NCD you'll be able to get something decent. That's the sensible view anyway
I get what your saying but I don't want the typical first car I want something I can enjoy with a luxury element and something I can take care with and look after not thrash on a night outYes you'd look cool with an audi etc but it will shaft you with running costs/repair bills and I doubt you'd get much audi for £3k. As others have said, wait a few years, then with NCD you'll be able to get something decent. That's the sensible view anyway
Spanna said:
You did run those quotes as if you jad already passed your test, right? Otherwise you're in for a shock when you update from provisional to full licence.
I'd buy an Aygo or similar if I were 17 right now. Motoring for as cheap as possible until you hit 19-20.
Yes full UK licence with pass plus I put in quote website thanks for checking soz I didn't make it clearI'd buy an Aygo or similar if I were 17 right now. Motoring for as cheap as possible until you hit 19-20.
xRIEx said:
R2T2 said:
You're happy at spending £2400 to insure your first car?
You have to be prepared for it nowadays.R2T2 said:
Buy a £1000 banger, pay £1500 to insure it for a year,
Cost of car has next to no bearing on insurance premium at age 17.It doesn't directly, but the lower value of the car, the less insurers will have to give you if you stuff it up/gets stuffed up.
And would you want a pricey car as your first car, with all the knobs on the roads, and being that inexperienced?
matty0194 said:
Db1904 said:
Had this with my brother recently, ended up with a base model 03 plate fiesta (with windy windows :P) and that is what I'd recommend here, or maybe a corsa, it's cheap to run, buy and insure and fairly reliable if slightly boring.
Yes you'd look cool with an audi etc but it will shaft you with running costs/repair bills and I doubt you'd get much audi for £3k. As others have said, wait a few years, then with NCD you'll be able to get something decent. That's the sensible view anyway
I get what your saying but I don't want the typical first car I want something I can enjoy with a luxury element and something I can take care with and look after not thrash on a night outYes you'd look cool with an audi etc but it will shaft you with running costs/repair bills and I doubt you'd get much audi for £3k. As others have said, wait a few years, then with NCD you'll be able to get something decent. That's the sensible view anyway
Plus you may be able to get one with a more powerful engine than the established 1.2's.
xRIEx said:
Cost of car has next to no bearing on insurance premium at age 17.
Not true, a £500 shed will cost more to insure than a £5k runabout. Presumably because the owner of £500 sheds are less likely to give a fk.You really need to check insurance costs for a wide range of cars. And when you've done that, add an older named driver.
R2T2 said:
xRIEx said:
R2T2 said:
You're happy at spending £2400 to insure your first car?
You have to be prepared for it nowadays.R2T2 said:
Buy a £1000 banger, pay £1500 to insure it for a year,
Cost of car has next to no bearing on insurance premium at age 17.It doesn't directly, but the lower value of the car, the less insurers will have to give you if you stuff it up/gets stuffed up.
And would you want a pricey car as your first car, with all the knobs on the roads, and being that inexperienced?
- lives in a different risk postcode
- has different drive/garaging/car port/on street parking situation
- driving restriction
to you then it may not be possible to get anywhere near the same price. Why do people assume car and driver's age are the only rating factors taken into account?
How much insurers give you if you stuff your car makes fk all difference; if you stuff it into a Koenigsegg being driven by a famous actor and they then require 24 hour care for the rest of their lives, and spouse and three kids need an income for the rest of their lives, then they're going to care. If you drop your Landy down an embankment and derail two trains, they're going to care.
I thought everyone had now got their heads round the fact it's the third party risk which carries the bulk of the premium (at that age).
I had a pricey car for my first car; I'm not saying it's a great idea for everyone, but it didn't do me any harm.
Ali_T said:
It's based less on that and more on the value of what you might hit!
I know, but the less they have to fork out the better, you insure a £2k car as a first one they'll have to give you £1000 (Example) Insure a £1000 banger you'll get £250, saving on their end. Their saving won't be passed onto you.
OP, have you considered something like Pass Plus or telematics insurance?
Run some quotes on some mundane "typical" first cars. Mine was a Ford Ka, worked alright was reliable for a year then traded up, cost peanuts to run and a very tidy, low mile one I got only cost £1500 to buy, the same to insure, an avarage mile one would go for £700.
R2T2 said:
Ali_T said:
It's based less on that and more on the value of what you might hit!
I know, but the less they have to fork out the better, you insure a £2k car as a first one they'll have to give you £1000 (Example) Insure a £1000 banger you'll get £250, saving on their end. Their saving won't be passed onto you.
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