Fast car recommendations with low insurance
Discussion
Hi,
I'm 18 and have recently passed my driving test at the moment I own a 2002 fiat seicento abarth 1.1 which as you can imagine isn't very fast! I've been looking into what I could insure when I have 1 years no claims. So far I have come up with the following:
Fiat Stilo Abarth
Toyota Starlet GT Turbo
Hyundai coupe 3.2
And believe it or not a Toyota supra! The 3.0 non turbo obviously and the turbo which is marginally cheaper!?
All these range from £1300-£2000 insurance apart from the supra which probably won't happen as that's £2500 and expensive to buy (before you say "that's loads!" to the insurance consider I just payed £2000 for my fiat so this isn't much to me considering what I'm getting!)
As I said the supra probably won't happen although it's the one I want the most! So it's then between the stilo and starlet as the coupe's are quite expensive and have a big engine which won't be good for fuel. I'd also like a seat R hatchback either a cupra or Leon but they are a £2600. My dad also owns a talbot sunbeam lotus and that's £1800 but a bit unreliable! So not that. Some other things I've tried that are not possible are:
Nissan Pulsar Gti-r (I'd like to get one of these eventually but I need to be 21)
Subaru impreza was 20k so I did not try the skylines and evos as I assume they will be too much.
Some things I've thought of but not tried are things like the focus st.
So basically I'd like some ideas as I'm sure I don't know every good car out there! I'll sell my car for about £1000 then have maybe £3000/£3500 on top from work so say £4000/4500 is my budget for car and insurance so the car should be no more than 2000-3000 to cover for the insurance.
Thanks guys!
I'm 18 and have recently passed my driving test at the moment I own a 2002 fiat seicento abarth 1.1 which as you can imagine isn't very fast! I've been looking into what I could insure when I have 1 years no claims. So far I have come up with the following:
Fiat Stilo Abarth
Toyota Starlet GT Turbo
Hyundai coupe 3.2
And believe it or not a Toyota supra! The 3.0 non turbo obviously and the turbo which is marginally cheaper!?
All these range from £1300-£2000 insurance apart from the supra which probably won't happen as that's £2500 and expensive to buy (before you say "that's loads!" to the insurance consider I just payed £2000 for my fiat so this isn't much to me considering what I'm getting!)
As I said the supra probably won't happen although it's the one I want the most! So it's then between the stilo and starlet as the coupe's are quite expensive and have a big engine which won't be good for fuel. I'd also like a seat R hatchback either a cupra or Leon but they are a £2600. My dad also owns a talbot sunbeam lotus and that's £1800 but a bit unreliable! So not that. Some other things I've tried that are not possible are:
Nissan Pulsar Gti-r (I'd like to get one of these eventually but I need to be 21)
Subaru impreza was 20k so I did not try the skylines and evos as I assume they will be too much.
Some things I've thought of but not tried are things like the focus st.
So basically I'd like some ideas as I'm sure I don't know every good car out there! I'll sell my car for about £1000 then have maybe £3000/£3500 on top from work so say £4000/4500 is my budget for car and insurance so the car should be no more than 2000-3000 to cover for the insurance.
Thanks guys!
^ pilchard speaks with sense.
something moderate but fun for now?
106 quicksilver?
fiesta zetec?
the stilo abarths are cheap to buy - shed moeny now - but 18mpg? and a dog to maintain, i had a '54 plate some years back and was glad to get shot, even with a warranty...
ETA - missed your between posting re:106, fairy'nuff.
something moderate but fun for now?
106 quicksilver?
fiesta zetec?
the stilo abarths are cheap to buy - shed moeny now - but 18mpg? and a dog to maintain, i had a '54 plate some years back and was glad to get shot, even with a warranty...
ETA - missed your between posting re:106, fairy'nuff.
Edited by D188ERS on Thursday 18th November 13:56
An early fabia vRS, at least running costs will be low, and have a good safety rating especially compared to some of the stuff you mention, for when you stuff it.
OctaviA Vrs, again good safety for when it gets stuffed.
Capri 2.8i on a classic policy. Nice V6 Long bonnett for when you stuff it.
Are you seeing a line in my reasoning here
18 and a 3ltr supra turbo.......... please send flowers..
Seriously advise learning to drive for a couple more years.. at least till you can afford more than 6 points.
OctaviA Vrs, again good safety for when it gets stuffed.
Capri 2.8i on a classic policy. Nice V6 Long bonnett for when you stuff it.
Are you seeing a line in my reasoning here
18 and a 3ltr supra turbo.......... please send flowers..Seriously advise learning to drive for a couple more years.. at least till you can afford more than 6 points.
Edited by skodamanpat on Thursday 18th November 14:04
It isn't what you want to hear, and I 99% guarantee you will ignore me (because I had the same people giving me the advice when I was your age, and it has only recently, in the last couple of years, sunk in - I am now 26), but do what pilchard says.
Get something that is cheap to run, cheap to insure, easy to work on etc. See what a Fiesta 1.25 is like for insurance. You would be able to do everything on it yourself, and still have a good giggle in it.
After a few years, when you have some NCB (hopefully!), then you will have the experience and the money to get something that will be within your abilities. I don't mean to sound patronising but 18-25 males are the highest risk (and therefore insurance) for a reason.
Put it another way, would you really want to spunk out a big wedge of cash on a supra, then another on 3rd party insurance (assume it's 3rd party quotes you have?) only to then wrap it around a lamp post. You then have no car, no NCB, increased premiums and a crash on your record. That is before you even take into consideration any potential fallout from what you have crashed into, or passengers you might have in your car etc. Might sound OTT, but it happens every day unfortunately.
Hope you get something sorted
Get something that is cheap to run, cheap to insure, easy to work on etc. See what a Fiesta 1.25 is like for insurance. You would be able to do everything on it yourself, and still have a good giggle in it.
After a few years, when you have some NCB (hopefully!), then you will have the experience and the money to get something that will be within your abilities. I don't mean to sound patronising but 18-25 males are the highest risk (and therefore insurance) for a reason.
Put it another way, would you really want to spunk out a big wedge of cash on a supra, then another on 3rd party insurance (assume it's 3rd party quotes you have?) only to then wrap it around a lamp post. You then have no car, no NCB, increased premiums and a crash on your record. That is before you even take into consideration any potential fallout from what you have crashed into, or passengers you might have in your car etc. Might sound OTT, but it happens every day unfortunately.
Hope you get something sorted
skodamanpat said:
An early fabia vRS, at least running costs will be low, and have a good safety rating especially compared to some of the stuff you mention, for when you stuff it.
Capri 2.8i on a classic policy.
With the capri, a new driver is likely to be driving with the back end leading the front end most of the time, especially the 2.8! Also, don't think a new driver will get a classic policy, especially as an only car.Capri 2.8i on a classic policy.
Wing Commander said:
With the capri, a new driver is likely to be driving with the back end leading the front end most of the time, especially the 2.8! Also, don't think a new driver will get a classic policy, especially as an only car.
No worse than a supra He needs to get an original mini, more fun, cheaper to run, good tinkering experiance, handles better than anything, but safety is an issue if he drives like a nutter.
Buy something cheap and fun. Build up some more experience and 3 ys no claims.
Spend the difference on savings, girls/boys depending on your preference and holidays with friends.
Edit: You are insane to spend 2-3k on insurance. The chances are you will crash, especially with such a big hike in power.
Alternatively - spend it on track days / performance driving lessons - equal fun and will make you an even better driver.
Alternatively - buy a classic once you are 21. Retro, classic BMW or similar
Spend the difference on savings, girls/boys depending on your preference and holidays with friends.
Edit: You are insane to spend 2-3k on insurance. The chances are you will crash, especially with such a big hike in power.
Alternatively - spend it on track days / performance driving lessons - equal fun and will make you an even better driver.
Alternatively - buy a classic once you are 21. Retro, classic BMW or similar
Edited by plg on Thursday 18th November 14:12
Get a classic of some kind. They may not be especially fast, but will be much more fun than anything modern you can afford to run and cost peanuts to insure on specialist policies. My first car (admittedly ten years ago now) was an MGB and it cost me a whole 350 quid to insure fully comp. It might be worth looking at kit cars on specialist policies, too.
Edited by kambites on Thursday 18th November 14:18
skodamanpat said:
He needs to get an original mini ... but safety is an issue if he drives like a nutter.
As a Mini driver in my youth, I found it actually gave you a very real feeling of your own mortality and realisation that other motorcars or street furniture was going to hurt if you tangled with it.As for cheap insurance on a more powerful car, I found that turbo charged Saabs were much cheaper to insure than lower powered hot-hatches.
Ok I agree that waiting and getting one later will be better.
Also a few things people mentioned, all quotes are fully comp, you can't get classic insurance until a certain age or certain amount of experience.
So let's change the question, what is a good fun car that's cheap to run and insure? I like the sound of a mini although they are un safe, I have thought about a capri! They are surprisingly cheap to insure I was looking at the 1.8 laser as a first car as it was about £1000 to insure! And as I said I'm not keen on peugeots. And I do drive sensibly I'd lust like something with more oomph than my 1.1 fiat! I'm not one of these stereotypical 18 year olds who goes racing at night and drinks etc, I am just a car lover and would like something better! My instructor said I am one of the best drivers he taught and said the same to my brother, my dad is a good driver and it seems to have rubbed off! But I am not over confident take that the wrong way I am one of the least arrogant etc people you can meet.
Although with safety if you look on YouTube at the crash test footage of a fiat seicento then I can't get much worse!
Also a few things people mentioned, all quotes are fully comp, you can't get classic insurance until a certain age or certain amount of experience.
So let's change the question, what is a good fun car that's cheap to run and insure? I like the sound of a mini although they are un safe, I have thought about a capri! They are surprisingly cheap to insure I was looking at the 1.8 laser as a first car as it was about £1000 to insure! And as I said I'm not keen on peugeots. And I do drive sensibly I'd lust like something with more oomph than my 1.1 fiat! I'm not one of these stereotypical 18 year olds who goes racing at night and drinks etc, I am just a car lover and would like something better! My instructor said I am one of the best drivers he taught and said the same to my brother, my dad is a good driver and it seems to have rubbed off! But I am not over confident take that the wrong way I am one of the least arrogant etc people you can meet.
Although with safety if you look on YouTube at the crash test footage of a fiat seicento then I can't get much worse!
Edited by Qwerty123il on Thursday 18th November 14:25
Edited by Qwerty123il on Thursday 18th November 14:28
Wing Commander said:
It isn't what you want to hear, and I 99% guarantee you will ignore me (because I had the same people giving me the advice when I was your age, and it has only recently, in the last couple of years, sunk in - I am now 26), but do what pilchard says.
Get something that is cheap to run, cheap to insure, easy to work on etc. See what a Fiesta 1.25 is like for insurance. You would be able to do everything on it yourself, and still have a good giggle in it.
After a few years, when you have some NCB (hopefully!), then you will have the experience and the money to get something that will be within your abilities. I don't mean to sound patronising but 18-25 males are the highest risk (and therefore insurance) for a reason.
Put it another way, would you really want to spunk out a big wedge of cash on a supra, then another on 3rd party insurance (assume it's 3rd party quotes you have?) only to then wrap it around a lamp post. You then have no car, no NCB, increased premiums and a crash on your record. That is before you even take into consideration any potential fallout from what you have crashed into, or passengers you might have in your car etc. Might sound OTT, but it happens every day unfortunately.
Hope you get something sorted
Belive me I will listen! I put is post up to learn from others so if you say wait and others agree then I'll wait!Get something that is cheap to run, cheap to insure, easy to work on etc. See what a Fiesta 1.25 is like for insurance. You would be able to do everything on it yourself, and still have a good giggle in it.
After a few years, when you have some NCB (hopefully!), then you will have the experience and the money to get something that will be within your abilities. I don't mean to sound patronising but 18-25 males are the highest risk (and therefore insurance) for a reason.
Put it another way, would you really want to spunk out a big wedge of cash on a supra, then another on 3rd party insurance (assume it's 3rd party quotes you have?) only to then wrap it around a lamp post. You then have no car, no NCB, increased premiums and a crash on your record. That is before you even take into consideration any potential fallout from what you have crashed into, or passengers you might have in your car etc. Might sound OTT, but it happens every day unfortunately.
Hope you get something sorted
Qwerty123il said:
Hi,
I'm 18 and have recently passed my driving test at the moment I own a 2002 fiat seicento abarth 1.1 which as you can imagine isn't very fast! I've been looking into what I could insure when I have 1 years no claims. So far I have come up with the following:
Fiat Stilo Abarth
Toyota Starlet GT Turbo
Hyundai coupe 3.2
And believe it or not a Toyota supra! The 3.0 non turbo obviously and the turbo which is marginally cheaper!?
All these range from £1300-£2000 insurance apart from the supra which probably won't happen as that's £2500 and expensive to buy (before you say "that's loads!" to the insurance consider I just payed £2000 for my fiat so this isn't much to me considering what I'm getting!)
As I said the supra probably won't happen although it's the one I want the most! So it's then between the stilo and starlet as the coupe's are quite expensive and have a big engine which won't be good for fuel. I'd also like a seat R hatchback either a cupra or Leon but they are a £2600. My dad also owns a talbot sunbeam lotus and that's £1800 but a bit unreliable! So not that. Some other things I've tried that are not possible are:
Nissan Pulsar Gti-r (I'd like to get one of these eventually but I need to be 21)
Subaru impreza was 20k so I did not try the skylines and evos as I assume they will be too much.
Some things I've thought of but not tried are things like the focus st.
So basically I'd like some ideas as I'm sure I don't know every good car out there! I'll sell my car for about £1000 then have maybe £3000/£3500 on top from work so say £4000/4500 is my budget for car and insurance so the car should be no more than 2000-3000 to cover for the insurance.
Thanks guys!
have you tried an insurance quote on an FTO gpx? - 200bhpishI'm 18 and have recently passed my driving test at the moment I own a 2002 fiat seicento abarth 1.1 which as you can imagine isn't very fast! I've been looking into what I could insure when I have 1 years no claims. So far I have come up with the following:
Fiat Stilo Abarth
Toyota Starlet GT Turbo
Hyundai coupe 3.2
And believe it or not a Toyota supra! The 3.0 non turbo obviously and the turbo which is marginally cheaper!?
All these range from £1300-£2000 insurance apart from the supra which probably won't happen as that's £2500 and expensive to buy (before you say "that's loads!" to the insurance consider I just payed £2000 for my fiat so this isn't much to me considering what I'm getting!)
As I said the supra probably won't happen although it's the one I want the most! So it's then between the stilo and starlet as the coupe's are quite expensive and have a big engine which won't be good for fuel. I'd also like a seat R hatchback either a cupra or Leon but they are a £2600. My dad also owns a talbot sunbeam lotus and that's £1800 but a bit unreliable! So not that. Some other things I've tried that are not possible are:
Nissan Pulsar Gti-r (I'd like to get one of these eventually but I need to be 21)
Subaru impreza was 20k so I did not try the skylines and evos as I assume they will be too much.
Some things I've thought of but not tried are things like the focus st.
So basically I'd like some ideas as I'm sure I don't know every good car out there! I'll sell my car for about £1000 then have maybe £3000/£3500 on top from work so say £4000/4500 is my budget for car and insurance so the car should be no more than 2000-3000 to cover for the insurance.
Thanks guys!
that was my first car on my own insurance. at 20yo had it at £800 fully comp with admiral. For some reason they had the FTO as a group 17 car rather than group 19/20. might still be like that.
great looking car, and one of the best handling fwd jap cars of its type. also 200bhp from a 2.0N/A engine is very nice.
DannyVTS said:
you must live in a very good area to be getting those quotes !
tried a 106 gti ? was quoted under 1200 tpft and im 18...
i presume yoyr quotes are not compehensive ?
Theres a trick you can do with admiral and elephant, add your mum and dad to the policy as named drivers and they reduce it quite a bit, as I said my fiat was just under £2000 if I didn't then it would have been £2400/2500 at least! Some people were quoting 4000-5000 for a car worth 1000!tried a 106 gti ? was quoted under 1200 tpft and im 18...
i presume yoyr quotes are not compehensive ?
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