1st Car Advice and Insurance Costs.

Indigo

Indigo

Indigo

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Right looking to learn to drive in the next few months, don't nee dany help sorting lessons out as I can do that locally and on the internet.

I'm 24 year old male and live in the M16 area of Manchester (Whalley Range) and checked on confused.com for an insurance qoute on a 1.2 Y Reg Corsa (Group 4 insurance I think) and the cheapest qoute come out at £3600 or something like that, next one's being £6000-9000!!!

The car in question was on Auto Trader for only £200. :confused:

I understand post code, insurance group, value of car?, my age and gender can affect it amongst other things.

Just wondering what 1st cars people could recommend which will be economical to run, cheap enough to buy and reasonable to insure.

I may not be getting the car until I'm 25 at the end of the year if that will help at all. I don't mind spending upto £1000 on a car but just don't want the insurance to be so damn high!!!!!
 
IndigoGorilla said:
checked on confused.com for an insurance qoute on a 1.2 Y Reg Corsa (Group 4 insurance I think) and the cheapest qoute come out at £3600 or something like that, next one's being £6000-9000!!!

The car in question was on Auto Trader for only £200. :confused:!
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A £200 Corsa can crash into a 100k Ferrari or a person and cause as much damage as a 10K BMW.

IndigoGorilla said:
I understand post code, insurance group, value of car?, my age and gender can affect it amongst other things.
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Insurers also have profiles on cars. The average cost of a claim against that car, costs of parts etc. Just because a car is cheap or has a small engine doesn't necessarily mean an insurer will deem it 'lower risk'. The typical young driver picks a Corsa for their first car, therefore Corsa's and young drivers usually means a high amount and costs of claims against Corsas.

I would create a list of all the cars you're interested and run them all through a price comparison website keeping all variables the same apart from the vehicle. Whichever is cheapest to insure would be the one I would go for. After you run the cars through price comparison websites go to the insurers websites directly or phone them, you'll usually get it cheaper going direct to the insurer.
 
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add parents as named drivers (even if they'll never drive it)
check on money supermarket for alternative (but still accurate) job descriptions that may be cheaper
try admiral/elephant/bell if they weren't on the confused.com comparison

Your postcode will be hurting you though i think, it's listed as 'Refer' on http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php, it doesn't even have a rating letter
 
Meatball said:
A £200 Corsa can crash into a 100k Ferrari or a person and cause as much damage as a 10K BMW.



Insurers also have profiles on cars. How much on average that car costs an insurer, how much parts are etc. Just because a car is cheap or has a small engine doesn't necessarily mean an insurer will deem it 'lower risk'. The typical young driver picks a Corsa for their first car

I would create a list of all the cars you're interested and run them all through a price comparison website keeping all variables the same apart from the vehicle. Whichever is cheapest to insure would be the one I would go for. After you run the cars through price comparison websites go to the insurers websites directly or phone them, you'll usually get it cheaper going direct to the insurer.
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I understand that which is fair enough. But to pay £3500+ to insure a car for one year just seems silly if I'm being honest.
 
The trick is to buy a cheap wreck, make sure one of your parents uses it more than you, then insure it under their name with you as a named driver.

That's what we did, turns out a jelopy was a useful thing to have when heavy and/or dirty things needed moving.
 
LoGaN_TnT said:
If it's too much get a motorbike they are a lot cheaper to run and insure + 10x more fun this time of year:D If you like motorbikes that is.
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my mate did this as for a car it was just too expensive.... Then a month later his dad unfortauntly had a stroke/accident (can't remember) and DVLA recommended he not drive for a year, so my mate could have used his car :P

He didn't use his bike between November and February his first year, was just too cold and icy to be safe (newcastle upon tyne) especially since he was inexperienced.

Having parents as main drivers and you as a named will make it much more affordable, but of course only do this if it will be correct :)
 
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