Oranoco
Registered User
- Joined
- Jul 27, 2007
- Messages
- 4,012
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- Location
- HertFORDshire
- Website
- www.passionford.com
Fiat Sceciento Sporting is worth a look. Naff car with no power but should be a cheaper option.
Fiat Sceciento Sporting is worth a look. Naff car with no power but should be a cheaper option.
I really feel for you youngsters these days. I got the hump the other year as they wanted to sting me £450 FC for the year on my modified A4 with business use. Got it down to £300 after telling them I would cancel. Was really annoyed, then I hear stories of £2k+ to insure shopping trolley cars :-(
If it makes you feel any better my friends brother has moved over from Australia and is 17. Trying to get insurance with the proffesion of racing driver at that age meant for some insance quotes. 1.2 Corsa C £3,800 TP only. Think the worst was something like £12,000.... WTF!!! It's verging on criminal
It isn't just young 'supped up boy racers' that cause high policy prices it is ALL YOUNG DRIVERS. You're more likely to bin it in the first year of driving, it's a fact.
I kno I've been there, I've paid insurance that cost more than twice the money of the car, I paid it cause I wanted a car. After the first year the price halved, the year after it came down again.
Insurance companies are all robbers in call centers, I own a 20 year old Audi 80, Im 25 and I like in a high crime rate area, this means my insurance (with all mods declared) is £700, I can drive any car, all the other types of cover and protection. My company who I was with last year wanted to charge me £1200! robbin' f***ers! I didnt even pay that on my 300 brake 200sx! C***s!
When I told them I was leaving they said they could do it me for £800. So, hang on? It's still £100 more? I can't drive other cars? and you basically tried to rob £500 from me by just expecting me to renew without looking around?
Best bet is to chose a sensible car (1.0 to 1.6), within 10 years or so old, stay away from anything with the words 'sport' 'gt' 'gti etc. choose something that everyother young driver doesnt drive. When i was 18 i bought myself a 2.5 subaru Legacy, top spec, was peanuts to insure as no young drivers have them, they rarely get written off and they are generally looked after by sensilbe mature owners.
Once you've got two/three competitive quotes try and play the other insruance companies off of each other, one of them will want your business more and drop £50 to £150 quid.
Andy
Daewoo, Kia, Proton, all the uncool stuff that people will take the **** out of you for. Sit back and wait as you save rather than spunking money on a Corsa ****box you save for a car you want.
call magic quote , they do £3,000 excess policies lol
call them directly
i started driving at 27, my s3 was £3000 to insure with anyone, apart from magic quote, they wanted £1350.....
what about an Audi A2, 1.4 tdi?
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what about an Audi A2, 1.4 tdi?
The Mk2 Rolf suggestion might be a good one, too - depending on the year, they now qualify for a lot of 'classic' insurance policies - it's unlikely you'll get on one of these as a provisional holder, but once you've passed it should be no problem, and so long as you're not planning to do huge mileage you're on for a mahoosive saving.
Also, Mk2 Rolfs rule. And you can fix them with a hammer.
And they're a Mk2 Rolf. And that's cool.
Did I mention that Mk2 Rolfs are cool?
*goes to reskin site as Mk2RolfWannabe-Sport.net*
All the best,
Rob.
As an owner of of a mk2 'Rolf' in 16v flavour, I need to let you know a few things regarding Classic insurance policies.
Firstly, most companies require you to have a main car, or use of another car to have an insurance policy, eg., it has to be classed as your second car. I've heard some people have a couple of classic policies to get round this problem, so they own 2 classic cars insured on the cheap, but need to buy 2 lots of roadtax!
Secondly, you will find most classic insurance is only available to 25 yrs old or over, you will find a few that will insure 21 and over, but they are rare, and because I never shopped around for that age range, I don't know who does it. So that puts this idea out the window for this chap, as new drivers are not generally allowed classic policies.
I totally agree with superKarl. I remember when I was 21 8 yrs ago... wow! I was so fascinated with Audi S3. My frd had one in yellow & black, which was big back then in my neighbourhood. I'd planned by time I'm 25 I'm going to buy one.
My first Audi was 1.6SE, 97 P reg in midnight blue at 24, loved it. I'd pimp it a little, Audi tt alloys, tinted windows, new head unit, speaker box. I didn't do any mods to engine tho no point for 8valve. I was in love heavy!. I sold my sweet heart after two year's of owning it. Ready to buy S3 8l yep! miss deadline at age 25. .
The time came, looked at a couple with disappointment how they were looked after engine wise. I was frustrated so I decided to wait, for right time to come, so I bought A3 8p 2.0 TDI sport magnificent!
Ok cut a long story short a year later S3 8l 225 standard came up top spec with gud mileage, bought & sold me car. Havnt look bak f**king luvin it.
Moral of my story is fella patient & ure time will come.
Kudos to you for wanting to get an Audi as your first car. Realistically it is going to be expensive but theres plenty you can do to try and help reduce insurance costs.
For me I was 17 when I passed my motorbike test, smoked around on two wheels, sometimes one (caught 3 times dangling my front wheel in the air and still got my licence!!! ). I waited until I was 20 before passing my car test. Because I had been on a bike for a few years I was now classed as a "new driver" (being allowed a full 12 points on my licence instead of 6, although I already had 3 at this point!!!!)
I went and bought my first car for £110, it was a MK III golf, 1.8 SE and I LOVED it.... thought I was king of the road. It had no heating, the wheel arch was almost rusted through but I loved it none the less. I managed to bring down my insurance by £800 by adding my mum and her bf at the time as a named driver. So I was the main driver, and they were named so i got the NCB and my insurance was down £800.
Few weeks later I plouged into the back of a ford with a towbar and wrecked it!!! I scrapped my car for £110 so got my money back
Then i got another Mk III 1.8 Golf. This time it was a GL 5 door. Reduced insurance another £200 (insurance company were unaware that I had crashed at this point). Later that year my sister was bought a 2003 Audi A3 2.0 FSI, I was jealous as hell as it was a dream car of mine. So I busted my balls saving cash and 3 months later I bought my first Audi A3 1.8T 1998 with 200,000 miles on the clock. Bargain at £1k at the time.
Had that for just under a year after saving all year again and bought a 2001 Audi A3 1.8T facelift model with 200 BHP and lots of goddies under the bonnet. Loved every minute driving that car! It's up for sale now though as I have now bought a 2006 Audi A3 2.0 TDI S-Line DSG. This is my final dream Audi A3, its got nearly everything I want and plan to fit what it doesn't have. Not sure what my next car will be as I don't like the 2012 A3, so might have to re-evaluate!
My advice would be to get something a bit cheaper than an A3 as your first car, but still something you like, and here's a few tips to reduce insurance
- Get a car that is a 5 door rather then a 3 door hot hatch
- Don't get a basic model, try to aim for mid range
- Diesel doesn't make it cheaper all the time!
- Insure yourself as a main driver and your parents as named drivers
- Increase insurance excess / go for TPFT insurnace rather than FC
Hopefully that helps bring down insurance, but remember, prices WILL change a lot between now and when your 17 so try guage whats best but be prepared to sell up if insurance is mental. Also, paying off in one lump sum saves a shed load of cash.
Another tip, as my delivery driver found out the other day is, when you need cover quick, prices are hiked up, but if you plan ahead and get quotes 2 weeks in advance, there was as much as £200 difference in annual premiums for the same car, with the same insurance company!! Work that one out?
Urm, that's very interesting! I will try that one out later! I hope the more people they have requesting quotes on go compare outs the prices up? I must have put in 150 quotes in a week by now. I thought of that as with booking holidays online, if they have a large amount of people searching for the same holiday, the prices go sky high for a few days.
I'd like to say no as insurance is calculated on risk - but then women get cheaper car insurance so who knows!!
Reminds me though, my renewal date was the 30th, by changing it to the 31st (so uninsured for one day) it reduced by £80.
I called my insurance company who said they would match the price to which I asked why would I want that? I wanted them to better it. I said if I went through compare the market i got a free meerkat and my little brother really wanted the cuddly toy.
Put me on hold for 5 minutes, came back and took an additional £50 off!!!! Who ever thought meerkats were worth so much!!