First Car Help

[Xinn]

I'm really not clued up on cars very much at all so not too sure what kind of cars I should be looking at for my first car.

I should have passed by the end of this month and I want to spend less than 2k on the car and probably ~1k on insurance. I'm 26 so that might make a little difference on insurance cost at least.

What should I be looking at around those costs?

 

[MORE SPEED]

Focus 1.6 should fit that criteria comfortably.

 

[Xinn]

I'm struggling to get any insurance under £1k, best I've found has been £1074 on a Fiesta 1.25 which is looking good so far.

One thing I've been wondering is regarding insuring the car while I pass?

I've got my test booked for 3rd Feb but if I was to say buy a car this weekend and keep it in the drive until then without driving it, what do you have to do with insurance in that instance?

 

[Richie]

If the car is not on the public road then you don't need insurance.

 

[Xinn]

Is it possible to insure it against break in/theft/vandalism etc though while it's on the drive? I'd rather not take any risks and wake up one morning and it's gone and there's nothing I can do about it.

 

[MORE SPEED]

Is it possible to insure it against break in/theft/vandalism etc though while it's on the drive? I'd rather not take any risks and wake up one morning and it's gone and there's nothing I can do about it.

You can, but I found that TPFT is more expensive than Comprehensive. Have you tried insuring larger engined cars? A focus 2.0 was cheaper for me than a 1.25 fiesta for example. Also try changing where the car is parked, parking it on the street is cheaper than a garage for me as well.

 

[airwave99]

Focus 1.6 should fit that criteria comfortably.

+1. Your budget will buy a very nice mk1 Focus 1.6. There's plenty out there, so you should be able to get one will full service history, no rust and a recent cambelt change.

 

[Xinn]

You can, but I found that TPFT is more expensive than Comprehensive. Have you tried insuring larger engined cars? A focus 2.0 was cheaper for me than a 1.25 fiesta for example. Also try changing where the car is parked, parking it on the street is cheaper than a garage for me as well.

It's going to be on the drive more than likely but I can see what on the road does to the figures.

Quotes for comprehensive with provisional licence are pretty reasonable so I guess I could do that for a month then change to policy with full licence.

I'll check out something with a bigger engine and see what kind of price it comes out at.

+1. Your budget will buy a very nice mk1 Focus 1.6. There's plenty out there, so you should be able to get one will full service history, no rust and a recent cambelt change.

I've seen a few at reasonable prices its just insurance that seems to be more expensive, around £1200ish on the focus. Are there any places I should look for quotes other than the usual comparison sites and direct line?

 

[ash_91]

I found going direct to insurers worked out much cheaper for me than comparison sites, like 800 quid cheaper!

 

[Buchanan0204]

Run your quotes again, this time adding a names driver to your policy, girlfriend/partner/wife, or a parent.

 

[MORE SPEED]

Direct with Admiral was the cheapest I could get by ~£350

 

[Xinn]

Run your quotes again, this time adding a names driver to your policy, girlfriend/partner/wife, or a parent.

Thanks for that, I ran the quotes again with my mother and step father on and it came down about £200 then said it was parked on the street rather than the driveway and that knocked another £40 off.

Insurance