1st Car Advice and Insurance Costs.

[Indigo]

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.

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!!!!!

 

[Indigo]

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.

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.