Cheap 17 year old lad car (for me)

unless you're made or $ or live in the middle of the countryside, then ignore any thoughts of mods for a couple years... They all need to be declared and will have a bad impact on your wallet.

I have to agree with greyfox - something like a yaris (something arguably less sexy/popular as a fiesta) is a good shout, something that light with only a 1L engine isn't too slow. Do a google and see what the cheapest to insure cars for teenagers are, like this article: http://www.telegraph.co.uk/insuranc...rs-for-teens-to-insure--and-what-they-actual/. Start with those, or your Seat, on Compare the Market, GoCompare, etc. and prepare for a horrific £. I think some of the online comparison sites even have tickboxes for many modifications, so see what the price is before and after...
 
Ive read through them all, and took note, just gonna try cover it all in 1 reply.
Mods were more of an option than a necessity I knew they would **** me haha, im just looking for something to get me from A to B and do the usual 17 year old lad things really...
I live in the F* category on that website, no idea why there is barely ever any thefts or things that I know about and have lived here my whole life.
Im on a 40 hour a week contract, and get paid standard apprentice wages which hopefully go up soon! I work 2 jobs and am trying to save as much as I can, a month ago, I was getting quotes for 1200, but recently have rocketed to 1500 lately on the same car etc with no mods on it (wasn't 100% on if I was (probs not))
Looking at Yaris' and things that is probably a really good idea, cheap and low on insurance, ive been told anything thats not usually a '17 year old lad' car will lower it a lot...
My friend whos just turned 19 had a Lupo with loads of mods (dunno if declared or not) passed 1 and a half years ago and now has a Polo GTI without a box and pays 1100 for it, but then another lad about the same experience, had a Megane and now a standard Corsa, pays 1400 and has a box its just totally random I think
 
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sadly, you can't easily compare person 1 against person 2 as everything from job to postcode can dramatically change the quote, then add variables like limited mileage, parking location, etc which all mess with the numbers. Plus, that's all before upping the excess to get a better yearly premium - e.g. the Polo guy might have a massive excess while the other might be £150. Then, obviously 1 insurer will happily charge more than other, so the Polo guy might have just done a lot more phoning around to get more quotes and stumbled upon a cheaper deal.

So, the only way you can compare yourself (or 1 person) against another is to be in the exact same postcode, with the same job, etc. which doesn't happen...

Once you've found a car you think is reasonable, then go through the online comparison sites and be creative (without lying) with your job title... e.g. can you try engineer instead of apprentice, then mechanical engineer might give a different result to electrical engineer - all depends your speciality. If you're mechanical engineer apprentice, then could you try mechanic? there's LOADS of options on the drop-downs and they all produce different numbers.

Also remember to add gf and/or parents (possibly better to be your mum) to the insurance as a named driver. I think it's fraudulent for you to be a named driver on their policy if it's your car (as the policy holder is meant to be the main user), but they can be named drivers on your policy (and their experience, assuming they have some no claims, seems to help drop the cost, even if they never use it).
 
TBH, £1200 is really good for a 17 year old, and £1500 isn't bad either.

My first policy was somewhere in the region of £1500 at 18. Non black box, TPF&T.

When I renewed at 19 with 1 years NCD it was £900 ish, fully comp.

Third year was £760 fully comp.

1.2 Polo 9N.

(I'm 21 now but have gone through 5 cars since... So I've done all kinds of weird mid term adjustments, funny specialist policies, and multicar etc... :o)
 
Have you tried doing insurance quotes on an uncool big barge. Surely all 17 year old insure small fords, VWs, Vauxhalls etc and then crash them, making them expensive to insure for other 17 year olds.
 
Honda Accord was my first car and it's insurance was the same as a 1.0 crap corsa at the time. You should give bigger cars some consideration.
 
Try cars that are not typical as a first car / 17 year old's car as they may be lower due to better risk factor.
First year is a killer, just get something cheap to insure and keep your head down - it will go in a flash.
 
Even at 24 the vast majority of typical first car picks came at over £1k for insurance. Most nearer £1.5k. I ended up with a 1.4 corsa b which was only £600 for the first year. Literally bought it based on insurance cost alone and it served me well for a year. Now I pay less for my ST but the difference going from 17 to 18 probably won't be as significant :p
 
My brother in law has just paid £1300 to add his 17year old son to the policy of his 2016 X5 M50d and that's for 3rd party cover only, I'm surprised they allowed him on the policy at all tbh.
 
I just ran a quote on our daily hack. Suzuki Ignis Sport which is 0-60 in 8.7 and a proper little hot hatch. Came up £1379 with £500 excess. A Fiat Panda 100 HP came out even cheaper at £1077. Both with black boxes but I think you would be hard pressed to find one without at 17.

Obviously where you live is entirely dependant on quotes but just goes to show you do not need to be driving something completely boring when you have passed your test.
 
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