Insurance costs

ac1d1ty

ac1d1ty

ac1d1ty

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26 Jan 2007
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Just wondering how high insurance would be for a 19yr old who will be 20 sometime soon and has only just his license compared to a 19yr old who got his license when he was 17. (but didnt drive any cars).


Just curious, but I really really cba to go through all the steps on confused.com :o
 
System_ofa_Down said:
Just wondering how high insurance would be for a 19yr old who will be 20 sometime soon and has only just his license compared to a 19yr old who got his license when he was 17. (but didnt drive any cars).


Just curious, but I really really cba to go through all the steps on confused.com :o
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It will still be considerably cheaper. It's not even worth driving at 17 because of insurance alone. Unless you participate in "fronting" which is what all my mates did.
 
scott212 said:
It will still be considerably cheaper. It's not even worth driving at 17 because of insurance alone. Unless you participate in "fronting" which is what all my mates did.
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Wrong. It's perfectly easy to earn enough as a 17 year old to run and insure a car. Especially if your insurance is legitimately £650 :P
 
Hxc said:
Wrong. It's perfectly easy to earn enough as a 17 year old to run and insure a car. Especially if your insurance is legitimately £650 :P
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Such a collosal waste of money though, especially as most 17 year olds (whether in education or not) don't even need a car. Some of these lads who pay £2k for insurance, it's madness. Think of the opportunity cost, what you could have spent the money on instead. I knew people who had full time jobs and lived with their parents and pretty much every penny earned was squandred on their ride, which in most cases would be a clapped out 1.2 banger with a screw on fart cannon strapped to the back. Each to their own I guess. I don't get why anyone would waste around 2 months of their life working very hard hours just to pay a year of car insurance. Fair enough if you bought a cheap car for a grand and had an insurance/running cost bill of another grand, fair enough, but that's rarely the case for the youngsters.
 
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scott212 said:
clapped out 1.2 banger with a screw on fart cannon
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I enjoy that description :D

I didn't get my first car until I was finishing uni, just before I turned 21. Before then I was insured on my parents' car, but it was their car and in their name, not mine, and I only used it when home from uni/in the summer.

I see what you mean about a lot of people not needing one so young. I got by fine without a car whilst at sixth form and uni. And that's despite the fact I lived (and still live) in a village which is 7/8 miles from where my college was or any sort of nightlife.
 
Running a car as a 17/18 year old has been good for me, means i get more experience later on, the only way to see the gf is either take public transport, or get lifts, both of which i don't like. I can go on holiday and see people in different parts of the country without having to worry about booking train tickets or whatever. Kind of adds up as i have done 12k miles this year without thinking. Sometimes it does make sense to have a car as a 17 year old :p
 
scott212 said:
Such a collosal waste of money though, especially as most 17 year olds (whether in education or not) don't even need a car. Some of these lads who pay £2k for insurance, it's madness. Think of the opportunity cost, what you could have spent the money on instead. I knew people who had full time jobs and lived with their parents and pretty much every penny earned was squandred on their ride, which in most cases would be a clapped out 1.2 banger with a screw on fart cannon strapped to the back. Each to their own I guess. I don't get why anyone would waste around 2 months of their life working very hard hours just to pay a year of car insurance. Fair enough if you bought a cheap car for a grand and had an insurance/running cost bill of another grand, fair enough, but that's rarely the case for the youngsters.
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You underestimate the advantage you gain with teenage ladies from having a car. :p Well worth 2k. :D
 
Brought this to mind:

inbetweenerscar.png
 
haha I watched both series and if you watch it close they show the door from the aftermath from the outside not the inside.
 
scott212 said:
Such a collosal waste of money though, especially as most 17 year olds (whether in education or not) don't even need a car. Some of these lads who pay £2k for insurance, it's madness. Think of the opportunity cost, what you could have spent the money on instead. I knew people who had full time jobs and lived with their parents and pretty much every penny earned was squandred on their ride, which in most cases would be a clapped out 1.2 banger with a screw on fart cannon strapped to the back. Each to their own I guess. I don't get why anyone would waste around 2 months of their life working very hard hours just to pay a year of car insurance. Fair enough if you bought a cheap car for a grand and had an insurance/running cost bill of another grand, fair enough, but that's rarely the case for the youngsters.
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You are completely missing the point of what a first car represents.

Of course a 17 year old doesn't need a car, in the same way that a 45 year old mother of three doesn't need a car. For her it's solely down to convenience, for a 17 year old lad it represents so much more.

For starters it's the first bit of proper freedom and responsibly that he's ever gotten. He's got to Wash it, maintain it, put petrol in it, etc and and in return it will take him just about anywhere he wants to go.

The first few days I passed by test were the best days of my life upto now. I didn't go anywhere far, but there was just something about driving for the sake of driving, windows down, sunroof back and Guns N Roses on the radio that made me feel "free", and You can't put a price on freedom ;)

As for your 'still living with their parents with a full time job and spending it mostly on their car' rant, find me a place in South London to say at for £2,000 a year (what you wrongly assume every 17 year old boy is paying for insurance) and a returnable deposit of a £1000 (the average price of a first car) then I'll happily move in tomorrow.
 
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