I'd say a Mazda 3 sport would be a good choice (incredibly cheap insurance and decent fun on a b road) but you'd struggle to get 45MPG out of it. I've got one and my lead-footedness achieves 28MPG, my more sensible friend who also has one gets 35 average, 40 on a run so it might still make sense? They do a diesel with better MPG but I think that'd be out of your budget.
Also, I'm intrigued how you managed to roll a C1, that's an impressive feat which definitely requires pictures![]()
I should say that the way the quotes are going, anything above a 1.2/1.3 seems to send ny insurance skyward. I suspect if I was 21 (which I will be in February) then it wouldn't be an issue.
As for rolling it, it was fairly low speed, but ice + a verge + skinny tyres don't mix.
Edit: just read your insurance again so I might be being stupid. 1k sounds a lot to me as a 39 year old but I gather doesn't go far as a younger driver.
For super low insurance maybe a Fiat Panda 100hp. Insurance group 4 with a fairly decent chassis which so many small cars are based on nowadays.
This just about scrapes in under £1000 to insure but there don't seem to be many around on auto trader or pistonheads.
Having now clocked up 8000 miles driving our Grande Punto full time I would happily recommend one of them for a cheap to buy, relatively cheap to run car.
This is a great shout, there are a good number of reasonably new, in budget options with low mileage, presumably just back from leasing.
Oh, and to address the diesel comments, I'll probably avoid as to me/my family they are a bit of an unknown quantity, with the potential to throw out bills that are 1/2 the value of the car.
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