17 year old (Almost 18), new job, looking for a car

Wish I could multi-quote you all, hopefully yous all read it..
Thanks for the advice, and yous made reality hit me a bit, I need to get something cheap, cane the **** out of it, have fun and save the boring leasing or buying for when im older and just have money for other activities.... (alcohol, women etc)

So now lads... What can we find that wont **** me on insurance, basically anything common will royally **** me, my friend has a Skoda Octavia 05 which was his Mams and I dont think his insurance is too bad, Im liking the cheap car idea now, im not too bad at saving, gonna do the autotrader upto 50 miles etc and run some price checks on random cars.
Gonna run them on ones posted too such as the Suzuki and the Honda and that 3 series (just out of curiosity not because its German)
 
You literally need to try a variety of cars in comparison sites for insurance to see what is cheap for you, you would be surprised and it will depend on your postcode etc which is frustrating but how it is.
 
theaterix said:
Wish I could multi-quote you all, hopefully yous all read it..
Thanks for the advice, and yous made reality hit me a bit, I need to get something cheap, cane the **** out of it, have fun and save the boring leasing or buying for when im older and just have money for other activities.... (alcohol, women etc)

So now lads... What can we find that wont **** me on insurance, basically anything common will royally **** me, my friend has a Skoda Octavia 05 which was his Mams and I dont think his insurance is too bad, Im liking the cheap car idea now, im not too bad at saving, gonna do the autotrader upto 50 miles etc and run some price checks on random cars.
Gonna run them on ones posted too such as the Suzuki and the Honda and that 3 series (just out of curiosity not because its German)
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good man :D

the main goal should be to find a car that is cheap than your pc :p choose something which is cheap to insure as well. stick with it a year or 2 then you can upgrade to something a bit nicer once insurance has come down. leave the diesels and bmw's for when you are an old man who cares about fuel economy over longer trips and need comfy old man seats and suspension.
 
I'm 20 no NCB, just 1 year on a Motorcycle, Micra 1.0l from 98 is 3000 and BMW 3 series 2006 2.5 218bhp is 1780. It all depeneds, run some quotes. Focus, mondeo, octavia, fabia etc.
 
FurryLemon said:
If you want cheap motoring look at Volvo/Saab etc Basically anything a pimple faced scrotum wouldn't drive.
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Jumper118 said:
good man :D

the main goal should be to find a car that is cheap than your pc :p choose something which is cheap to insure as well. stick with it a year or 2 then you can upgrade to something a bit nicer once insurance has come down. leave the diesels and bmw's for when you are an old man who cares about fuel economy over longer trips and need comfy old man seats and suspension.
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Funny that my computer, and my laptop for that matter are gonna be much more expensive than the car :p
I want to go the whole corsa big exhaust #wicked alloys etc but the more intelligent side of me says look for my equivalent of IC3's 3 series 2.5L 218bhp and I will have a lot more fun in the long run :D
 
theaterix said:
Well apparently McDonalds with 14 year old girls is my scene :p
Seems thats all thats associated with Corsa's now...
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Back when I was learning to drive it was Vauxhall Novas, but they all ended up on the roof in ditches and went extinct. Now it's Corsas.

But yea, if you drive a Corsa everyone assumes your a chav. Especially a young male :P
 
Daaaavvveee said:
if you want a base city car it would most likely be a lot cheaper, and insurance would be cheaper than an old car in many cases
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Daaaavvveee said:
He said he wanted a lease, that's the main reason I said go for it.

Insurance tends to be cheaper on newer cars also which would also help him.
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I'm sorry but what on earth are you talking about?

Insurance isn't cheaper on newer cars (newer equivalent models), if you're an insurance company and a 17/18 year old wants to insure a 1.2 corsa, do you think the £10k corsa or the £2k corsa will be cheaper?

Also lease doesn't make sense if it's his first car, the chances of crashing are high, hopefully he doesn't crash, but the likelihood of hitting a bollard or lamppost or scraping a body panel against a wall or post are high.

Imagine doing that on a lease car...
 
flibbage0 said:
I'm sorry but what on earth are you talking about?

Insurance isn't cheaper on newer cars (newer equivalent models), if you're an insurance company and a 17/18 year old wants to insure a 1.2 corsa, do you think the £10k corsa or the £2k corsa will be cheaper?

Also lease doesn't make sense if it's his first car, the chances of crashing are high, hopefully he doesn't crash, but the likelihood of hitting a bollard or lamppost or scraping a body panel against a wall or post are high.

Imagine doing that on a lease car...
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Its literally the exact same mate... If not cheaper on the 10k one... I have ran millions through compare the market
 
Generally I'd expect, and have seen rates for newer cars to be higher when changing cars in the past. Of course I've never gone from the same car older to newer, but IMO it stands to reason. If a £10k car is involved in an accident and the car written off the insurance company is in the bag for £10k. Even if it's not written off they could be looking at £3k+ in repairs whereas if a £1.5k car needs £3k repairs, it's written off and then the insurance company is only out £1.5k. The prices SHOULD be different, but if they're not then the drivers of older cars are being ripped off.
 
MissChief said:
Generally I'd expect, and have seen rates for newer cars to be higher when changing cars in the past. Of course I've never gone from the same car older to newer, but IMO it stands to reason. If a £10k car is involved in an accident and the car written off the insurance company is in the bag for £10k. Even if it's not written off they could be looking at £3k+ in repairs whereas if a £1.5k car needs £3k repairs, it's written off and then the insurance company is only out £1.5k. The prices SHOULD be different, but if they're not then the drivers of older cars are being ripped off.
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Thats what I mean mate, its a ******* joke.
 
Why not get something 2nd hand on finance? Few year old fiesta or focus?

I am skewed towards leasing/ financing. Done it for 10 years, chalked it up as an outgoing, cheap motoring. Never had an MOT and rarely had a service. Anything goes wrong covered under warranty.

Looking to finance my next car in a few months time. :D

But just be honest with yourself on the job front. It all hinges on that basically.
 
I am skewed towards leasing/ financing. Done it for 10 years, chalked it up as an outgoing, cheap motoring.
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Leasing and financing are literally the most expensive ways to own a car. Don't get me wrong - I have done it before and am doing it on my current car for similar reasons to yourself. However I'm under no illusions that the convenience costs extra, and would certainly not recommend either to someone as being a 'cheap' way of owning a car.
 
flibbage0 said:
I'm sorry but what on earth are you talking about?

Insurance isn't cheaper on newer cars (newer equivalent models), if you're an insurance company and a 17/18 year old wants to insure a 1.2 corsa, do you think the £10k corsa or the £2k corsa will be cheaper?

Also lease doesn't make sense if it's his first car, the chances of crashing are high, hopefully he doesn't crash, but the likelihood of hitting a bollard or lamppost or scraping a body panel against a wall or post are high.

Imagine doing that on a lease car...
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A lot of the quotes when I was looking a few years ago the newer car was cheaper than the older car.

That was personal to me, but I know a few people who have seen the same.

If I damaged a lease car, I would repair it, same as if I damaged mine.
 
Spunkey said:
Leasing and financing are literally the most expensive ways to own a car. Don't get me wrong - I have done it before and am doing it on my current car for similar reasons to yourself. However I'm under no illusions that the convenience costs extra, and would certainly not recommend either to someone as being a 'cheap' way of owning a car.
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It all depends how long you want to keep the car though surely?

if you are someone who changes the car every 2-3 years a lease/pcp may be the cheaper option than paying cash.
All depends on the car and what types of deals are available.
 
MissChief said:
Generally I'd expect, and have seen rates for newer cars to be higher when changing cars in the past.
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I have experienced this too. Besides the obvious higher value, I felt that it could be influenced by going from a car you've had x number of years experience with to something new that you are not as familiar with. If I remember correctly on some of the quotes I played about with a while back, regardless of years of NCB, the longer you said you had owned a car, the cheaper it became.

There's no fixed rule though, obviously. It depends very much on the car(s) in question and risks for a given area etc etc. Too many variables to generalise.
 
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