Young drivers... Sports car with reasonable insurance...?

[Willlll]

I've hit 21, clean licence, good postcode and have 2 years no claims coming up next month, and finally more lively prospects are becoming affordable/acceptable....

FN2 Type R £1400
FD2 Type R £1900
Focus ST Mk 2 £1150
Focus RS Mk2 £1700
E46 330i £1900
GT86 £1450
MX5/Eunos £900


I've mostly used comparison sites, and the rang up the odd company but obviously the latter has taken a lot longer. So i was looking to see if anyone had come across any decent quotes with more specialist companies, rare cars, be it classic or new, or just anything unusually cheap?


Oh and for any car suggestions, my all in budget (Depreciation, Fuel, Insurance...) is £550 a month.


Cheers

[kambites]

At 21, you should be able to get classic insurance. Try looking at things like MBGs, early Alfa Spiders, etc.

[Benbay001]

Just thought id say.
Im 21 too.
This year ive paid £680 for fully comprehensive insurance on my Jag.
Its more powerful than all the cars on you list.
Much more powerful than most of them!

Try fast Jags.
Insurance bargains!

edited to add. Thats with admiral.

Edited by Benbay001 on Thursday 7th November 18:08

[Greengecko]

Go for the Focus ST, not that I'm biased or anything

[Chris71]

All sounds pretty reasonable for a 21 year old going through a normal insurer.

I'm not sure if the minimum age limits go low enough any more, but I had a string of classic car policies in my early twenties that cost me peanuts. Porsche 924S, Sylva Leader, TVR S3...

A lot of classic car policies seem to place very little loading on road risk. At the time, the company I insured my 924S, for example, with would have done a 968CS or a 928 S4 (of far greater performance) for a similar premium.

As you're probably aware, a car doesn't have to be ancient to qualify for a classic policy. Often there is no age limit for the car. And the usage restrictions aren't as draconian as some would have you believe. You can get a decent mileage limit and commuting cover on a lot of them. The only problem is the minimum age limits that always used to be 21 seem to be creeping up to 25 or 30 in a lot of cases.

If you can get classic insurance it's worth doing. My first TVR cost me £225 a year to insure as a 24 year old.

[Willlll]

Benbay001 said:

Just thought id say.
Im 21 too.
This year ive paid £680 for fully comprehensive insurance on my Jag.
Its more powerful than all the cars on you list.
Much more powerful than most of them!

Try fast Jags.
Insurance bargains!

Sounds reasonable. V8?

Who are you insure with?

[Studio117]

If you can afford an fd2 type r then go for it.

Its by far the most accomplished car in your list.

[lexusboy]

I'm 23 with 4 years NCB and only paid £520 on a 231 RX8

[samdale]

I'd have thought the first 5 cars on your list are some of the most expensive to ensure for your age/their performance.

May I ask why those cars in particular? Broadening your horizons might mean you can find much tastier metal for similar money. The Jag suggestion above as an example.

[Willlll]

lexusboy said:

I'm 23 with 4 years NCB and only paid £520 on a 231 RX8

Yes! The RX8 was an almost all round perfect car for me. And i was quoted £800 on the 192 and £1200 on the 231.

I just couldn't live with the constant worry of that rotary engine

[Willlll]

Benbay001 said:

Just thought id say.
Im 21 too.
This year ive paid £680 for fully comprehensive insurance on my Jag.
Its more powerful than all the cars on you list.
Much more powerful than most of them!

Try fast Jags.
Insurance bargains!

edited to add. Thats with admiral.

Edited by Benbay001 on Thursday 7th November 18:08

Ill try admiral.

A 52 plate XKR 4.2 brought back £4200 on go compare lol

[brillomaster]

Tried a 350Z? lots of younger guys buying them these days, insurance seems reasonable.

[eggchaser1987]

I had a boxster at 21ish. Insurance was around £1300 IIRC

[Willlll]

samdale said:

I'd have thought the first 5 cars on your list are some of the most expensive to ensure for your age/their performance.

May I ask why those cars in particular? Broadening your horizons might mean you can find much tastier metal for similar money. The Jag suggestion above as an example.

They were actually some of the cheapest to insure....

EP3 Type R, Clio Sports, S2000, Evos, Scoobys, Elise, VX220 Skylines all broke £2k and onwards to 5 figures.

My horizons are open to anything really. I just want the most for my money with some practicality of a daily drive.

[Scootersp]

Try a non import Mkiv Toyota Supra (93-96 options on the insurance drop down), even if you don't like them i'd be interested in seeing the quote.

[Benbay001]

Willlll said:

Benbay001 said:

Just thought id say.
Im 21 too.
This year ive paid £680 for fully comprehensive insurance on my Jag.
Its more powerful than all the cars on you list.
Much more powerful than most of them!

Try fast Jags.
Insurance bargains!

edited to add. Thats with admiral.

Edited by Benbay001 on Thursday 7th November 18:08

Ill try admiral.

A 52 plate XKR 4.2 brought back £4200 on go compare lol

An XKR isnt quite the same, because its a coupe.
The XJR and the S Type R are the bargains.

And yes, its a v8. 4.2 v8 with a supercharged. 400hp.
£680 per year for insurance, cant really complain, can i?

[Impasse]

Have you considered a Suzuki Swift Sport of 2006/2007 vintage?

[ohtari]

Impasse said:

Have you considered a Suzuki Swift Sport of 2006/2007 vintage?

Not really in the same league here!

I was in a similar situation and got an impreza wrx with mods (all declared). £1400 FC with 1 years ncb.

[LazyRoss18]

Noble M12

[huwp]

Cheapest car I've ever insured is my Caterham. Not that I'm suggesting that as a solution per set but sometimes specialist or classics, insured with a specialist broker, can be very reasonable. I pay a little over £140 a year on the 7.