View Full Version : whats the best insurance car?
im looking at getting my first car for my massive trips i will have to do to the RAF base. So im 17, whats the best cars to be looking at for insurance, i got a quote on my parents ford fiesta TPFT and they wanted £1900, that rediculous. So i want something that going to be cheaper.
any suggestions all mighty .org
cheers
Nothing will be cheaper, that is the price you are looking at im afraid
Try your own policy and add your mum or dad as named driver, i looked the other day on my 1.6 2001 Astra i paid 1800 quid tpft, then couple of months ago i checked gocompare my own policy 1 year ncb less than 1 year driving with full licence (1 yr ncb due to insuring on a prov licnce) cant remember if i put i was 17 or 18, Mum as named driver she has 0 NCB as she is on my dads policy, and my qoute just under 800 pounds fully comp! god knows how they wroked that one out as its my policy not hers. Try it out it might work for you as well
i got a quote on my parents ford fiesta TPFT and they wanted £1900, that rediculous. So i want something that going to be cheaper.
From some of the horror stories I hear from my students, that's quite reasonable.
My advice would be to buy something VERY cheap and insure it TPO.
Nothing will be cheaper, that is the price you are looking at im afraid
Try your own policy and add your mum or dad as named driver, i looked the other day on my 1.6 2001 Astra i paid 1800 quid tpft, then couple of months ago i checked gocompare my own policy 1 year ncb less than 1 year driving with full licence (1 yr ncb due to insuring on a prov licnce) cant remember if i put i was 17 or 18, Mum as named driver she has 0 NCB as she is on my dads policy, and my qoute just under 800 pounds fully comp! god knows how they wroked that one out as its my policy not hers. Try it out it might work for you as well
i tried that and it made my brothers insurance 800 quid cheaper but made it 100 quid more expesive to have mum on there, my dad ex cop and he has done all the courses but if he goes on it goes up even more stupid ey.
i need it as chap as possible because im not working and need a car to get to base otherwise i will be having to get the train which will be rubbish :D
2 grand sounds about right for any small car. You wont get it any cheaper im afraid!
From some of the horror stories I hear from my students, that's quite reasonable.
My advice would be to buy something VERY cheap and insure it TPO.
Lol knowing my luck it would burst into flames or be knicked :D
2 grand sounds about right for any small car. You wont get it any cheaper im afraid!
my brother had it at £800 TPFT at 17 so i want to get it to about that
Lol knowing my luck it would burst into flames or be knicked :D
That's kind of my point.
If you buy something for a couple of hundred quid (as opposed to say, a thousand). If it does get nicked or blow up etc, you can just buy another, avoiding making a claim (because that's where you really lose money).
Even if you have to buy 3 or 4 cars, you'd still spend less in the long run and be far more likely to build up some no claims bonus.
BanditPat
10-05-09, 12:26 PM
I have a rover coupe (1.6) and that's £900 TPFT. Own policy, mum and dad not on it. Thats with Quinn direct. £88 a month(?) I think. Check them they're generally fairly cheap for new drivers. And phone them and see if you can get more off remember
Think the best thing to do would be to aim smaller and older - the less initial value the vehicle has, the lower your premium will be as a result. Personally, I run a cinquecento because it does everything I want in a car, even though it has a smaller engine than my bike.
BigFootIsBlurry
10-05-09, 01:46 PM
+1 for Quinn direct, good for new / young drivers as long as it isn't anything remotely interesting.
Still wouldn't expect change from a grand though at your age. I paid 1700 TPO on a 1.4 astra at 17.
gettin2dizzy
10-05-09, 02:22 PM
Run lots of quotes. Whilst a lower group should mean a lower premium, it isn't that simple. Insurance is based on past claims, so small cheap cars such as corsas have substantially higher premiums than their insurance group would suggest, as they get pranged more than average.
davepreston
10-05-09, 02:29 PM
google search "car insurance groups / catorgies" you'll find a list of cars and which band there in just buy a car in a very low group
davepreston
10-05-09, 02:31 PM
try "the-car-club.co.uk" to see what i mean
davepreston
10-05-09, 02:36 PM
http://the-car-club.co.uk/Insurance-Groups-Ford-Ka.html
BanditPat
10-05-09, 02:41 PM
http://the-car-club.co.uk/Insurance-Groups-Ford-Ka.html
Quote on a 1.3 Ka for me was £300 more than on the 1.6 Coupe. And the coupe's a nicer car.
Ka = Group 3
Coupe = Group 14
Thats 300 quid less for the car in the insurance group 11 higher ;]
BournemouthBen
10-05-09, 03:44 PM
Im on my Dads Zafira and its a 2.0 diesel. Its a big insurance company, cant remember what its called?
I'm named on his policy and I'm paying £500 a year to be on it. I don't make any of my own NC and if i have a crash or anything it affects his history. I'm 18, with no previous experience.
BournemouthBen
10-05-09, 03:46 PM
It might also be worth mentioning that you ride a bike.
I know it seems a bit unimportant, but I've heard that some companies will reduce the price if you have other transport. I guess the theory being that you will spend less time in the car overall, and will be statistically less likely to crash?
Worth a try.
abdul.aziz
10-05-09, 03:49 PM
A 1.0 litre car should be the cheapest category to insure (Nissan micra, Vauxhall Corsa etc.)
The price difference between TPO and TPFT is negligible normally, so that wont make a difference in terms of price.
The cheapest way to get insurance for youngster is to be a second driver. This is not a good idea if you want no claims bonus, but if you're not bothered about that... it is the cheapest way.
Try elephant car insurance they are the cheapest from my experience. A friend tells me Kwik Fit insurance isnt too bad as well.
ive got a suzuki alto and its a 1.1, to get my daughter added onto policy with provisional licence would be £200 once she passes her test it jumps to £800. But the road tax is only £35 so wee bonus there.
Paul the 6th
11-05-09, 07:52 AM
ford ka - group 2 insurance :) have a look on www.parkers.co.uk in the "facts and figures" section - it gives details of road tax, insurance group, bhp etc.... for each car.
Endsleigh were pretty good when I was a "student" but then as soon as my status switched to "employed" it went up about 300 quid!
I'm with directline now, always seems to be the cheapest (although I was surprised I had to push them at last renewal). I've got our house & contents insurance with DL as well, so when vicky switches to DL in a few weeks, it'll be £235 for her (fully comp 3 years NCB and me as a named driver) on a 57 plate fiesta zetec-s... sorry to rub it in lol.
Come to think of it my first car was a 1.3 escort worth £800 quid and my first years insurance was about £1600... it'll come down in time but you'll have to shop around
You need a gropu 1 car. There arent many nowadays. A lot of factors decide your fate when it comes to insurance. Occupation being one of them, milage, where the car is parked, its postcode where parked overnight etcetc, nto just age. You could always look for a classic and get it on classic insurance. A mate has a Mk1 escort. He is 18 and pays less than £400 fully comp. He is limited to 5000 miles a year but it works and goes, and that on a 1600 engine, and its far more stylish than a Kia Pride or suchlike!
ive got a suzuki alto and its a 1.1, to get my daughter added onto policy with provisional licence would be £200 once she passes her test it jumps to £800. But the road tax is only £35 so wee bonus there.
i cant go on my parents insurance because they dont insure anyone under the age of 21. unfortunatly ladies get insurance alot cheaper than blokes do............ gender change maybe haha
thats rubbish mate, get yourself a little 1.0 litre lump, saxo, 106, 306, fiesta and you should be able to get insurance under a grand.
thats rubbish mate, get yourself a little 1.0 litre lump, saxo, 106, 306, fiesta and you should be able to get insurance under a grand.
parents 1.2 ford fiesta lx 1998 is £1700 so thats out the question, i havent passed test yet i was just looking at insurance and that to see what the best car would be to get but i have the bike for now :D
parents 1.2 ford fiesta lx 1998 is £1700 so thats out the question, i havent passed test yet i was just looking at insurance and that to see what the best car would be to get but i have the bike for now :D
thats pretty bad mate, what about getting insured as a named driver on your mum or dads policy until you are 21, should cut it down a bit.
thats pretty bad mate, what about getting insured as a named driver on your mum or dads policy until you are 21, should cut it down a bit.
there insurance wont allow me to untill im 21 unfortunatly.
joshmac
11-05-09, 10:44 AM
Shameless plug (http://cgi.ebay.co.uk/ws/eBayISAPI.dll?ViewItem&ssPageName=STRK:MESELX:IT&item=150344728797) :lol:
That was my first car (used it to pass my test on last year). I'd still be driving it now if I wasn't insured on my brother's Ford Focus now.
Have a look at CIS (The Co-operative Insurance). They give you your own no claims even as a named driver. Fully comp for me last year as a named driver with my Mum as the main driver was ~£600 IIRC, and now I've got a year's no claims as well.
Direct line also give you NCB as a named driver, although I found them more expensive than CIS.
HTH
there insurance wont allow me to untill im 21 unfortunatly.
thats a joke mate, i was insured on a 1.6 306 on my old mans insurnace at 17 it was about a grand FC, then i had a 2.4 litre 406 sri, which was about 1200 FC.
Why dont you get one of your parents to take out a new policy with a different insurer on your new car, and just add yourself as a named driver
muffles
11-05-09, 11:35 AM
You could always look for a classic and get it on classic insurance. A mate has a Mk1 escort. He is 18 and pays less than £400 fully comp. He is limited to 5000 miles a year but it works and goes, and that on a 1600 engine, and its far more stylish than a Kia Pride or suchlike!
I think you also don't build NCB up on classic insurance though? May or may not change the decision but probably worth considering that aspect.
Some of these prices seem ridiculously high; my first car was an old E30 320i & that cost me £1200-1300 TPFT. I was 18, didn't get a car straight away - had about a year's experience at that point (driving my mum's car!).
I reckon...it's the type of car still. Ok it might be a 1.0 litre but it's a fiesta, boy racer special that - I would take a look at cars you really wouldn't want to be seen dead in - and check the insurance on those (obviously consider the engine size, etc, still).
The fiesta (and that sort of car) probably has a (statistical) reputation with insurance companies of undisclosed mods, when insured for young, new drivers.
454697819
11-05-09, 11:56 AM
Pugs are cheap insurance, dont look at the really small cars as every new driver buys one.... hence lots of crashes and expensive insurance rates for those cars.
It's not the car that's necessarily the most important factor. The insurance companies will be looking at you, your vehicle, your occupation, your housing status, your employment status, your history, and myriad other factors.
Don't forget, also, that each of those factors can be examined in minute detail. People focus far too much on insurance group and engine size when making suggestions, but it's often irrelevant, ie:
A car costs £10,000 and has a 800cc turbocharged engine developing 100BHP. It is made largely of lightweight materials so weighs less than 1000Kg. The manufacturer made 1500 of them last year. It is classed as insurance group 15.
A car costs £1800 and has a 2.8l straight six engine developing 210BHP. It is made of rocks and lead, and weighs just about 1700Kg. The manufacturer made hundreds of thousands during a ten year production run. It is classed as insurance group 18.
I can tell you for a fact that the bigger engined, higher group car will cost less to insure than the other. It will be cheaper to repair, repairable at a wider range of places, slower, will likely be assessed as safer for the occupants, and less desirable to thieves.
Interesting anomaly here - a two seater, or single seater car may cost less to insure than a comparable multi-seater of similar risk and performance for the sole reason that should you have a big smash, you are likely to kill or seriously injure fewer people as you can physically fit fewer in the vehicle.
Small vans like Escorts and Vauxhall Combos are often cheap to insure, and classic insurance on cars over 15 years old can save you a packet, and you should still build up no claims with most policies.
Source: Several years working on developing online quote engines for Norwich Union Direct.
Wideboy
11-05-09, 06:25 PM
my brother had it at £800 TPFT at 17 so i want to get it to about that
when i was looking for my first car mini's where the cheapest for me at about 800 quid TPFT but i was picking one up as a little project rather than a full time car as it was a bit small, still want one though maybe in next few months :p
mate who is looking to drive ran a qoute on a 1L corsa and it came out roughly 900 i think
busasean
11-05-09, 06:59 PM
dont laugh - but look at a smart car - you can get a fair amount of kit in the form of bags/rucksacks in and they are mega cheap to run and insure. safer than many other smaller cars. we have one which has done 30,000 miles in the 2 and a half years we have owned it, without a problem! it sits at 70-75 mph on the motorway and tops out at 85mph (restricted). quite a laugh to drive as well - I'm 6' 2" and fit in no problem.
Sean
dont laugh - but look at a smart car - you can get a fair amount of kit in the form of bags/rucksacks in and they are mega cheap to run and insure. safer than many other smaller cars. we have one which has done 30,000 miles in the 2 and a half years we have owned it, without a problem! it sits at 70-75 mph on the motorway and tops out at 85mph (restricted). quite a laugh to drive as well - I'm 6' 2" and fit in no problem.
Sean
dont laugh i cant stop Lol
BanditPat
11-05-09, 07:04 PM
when i was looking for my first car mini's where the cheapest for me at about 800 quid TPFT but i was picking one up as a little project rather than a full time car as it was a bit small, still want one though maybe in next few months :p
mate who is looking to drive ran a qoute on a 1L corsa and it came out roughly 900 i think
And you can stick a busa engine in a mini ;]
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