What car?

[TheInsanity1234]

Well, since I'm turning 17 at the end of this year, and I currently have nothing better to do.

I'm looking for ideal first cars that are cheap to insure.

Don't give a stuff about what kind, if it's a SUV which only costs £500 a year for a 17-year-old to insure, I'll take it

So far, the cheapest I've found is a Fiat Panda (2006) which would cost £1,300 per year.
Renault Clio Ripcurl is second, with insurance costing £1,400 per year.
Both are just me as a driver, no parents named (So would probably lop a bit off the price if I put my mum on it).

It's probably going to do no more than 40 miles a day through the week, and maybe a few miles will be clocked up through the weekend.

I haven't got a budget, but it'd be nice for it to be below 2 grand to purchase, and less than 2 grand to insure.

[skodatezzer]

Loads of Nissan Micras, about, and the 1.0l shouldn't be too awful to insure. Nice little cam-chain engine too, and they handle very well.

[skodatezzer]

[quote="TheInsanity1234"]Well, since I'm turning 17 at the end of this year, and I currently have nothing better to do.


Post GCSE long summer hols, huh?

[jont]

Is it worth looking at classics? Downside will be you probably won't accrue NCB on a specialist policy.

Much as I hate myself for suggesting it (as I dislike the notion of this technology becoming popular), have you looked at insurance with one of the companies that fits a GPS logger/accelerometer. It does seem that allowing yourself to be tracked in this manner can bring quotes down significantly.

[dombooth]

Well, since I'm turning 17 at the end of this year, and I currently have nothing better to do.

I'm looking for ideal first cars that are cheap to insure.

Don't give a stuff about what kind, if it's a SUV which only costs £500 a year for a 17-year-old to insure, I'll take it

So far, the cheapest I've found is a Fiat Panda (2006) which would cost £1,300 per year.
Renault Clio Ripcurl is second, with insurance costing £1,400 per year.
Both are just me as a driver, no parents named (So would probably lop a bit off the price if I put my mum on it).

It's probably going to do no more than 40 miles a day through the week, and maybe a few miles will be clocked up through the weekend.

I haven't got a budget, but it'd be nice for it to be below 2 grand to purchase, and less than 2 grand to insure.

I vote the Panda.

Dom

[triquet]

Insurance can be a lttle perverse. Sometimes the smallest cars are not the cheapest to insure. Sometimes TP or TPFT is actually more expensive than comprehensive. It's a mad world. It's probably worth talking to a broker rather than just looking online.

[jameslb101]

Those insurance quotes look really good - the cheapest quote I could find when I was 17 (4 years ago) was £2k. I had a (Rover) Mini 1.3i, but all the small cars I got quotes for were much of muchness price wise. I also had a tracker fitted, which although couldn't monitor how I drove, did charge me a fee of £50 or so every time I drove after 11pm.

My second year, with a 'conventional' policy and no tracker was £1k, and this was on a Polo 1.4. Expect a sharp reduction in price once you've got a year's NCD under your belt.

[exportmanuk]

Would not recommend cheap old bangers the insurance companies hammer you. Cheap car = easy to replace= don't care if I crash it. When mine passed their tests they bought around 2 year old cars (Fiesta/Fabia/DS3) the insurance was not that eye watering considering our city center location.

[trashbat]

I vote the Panda.

Dom

I haven't tried one but Pandas are always very highly rated by their owners from what I've seen.

I don't suppose you'll be having the 100bhp though

[martine]

Corsa 1.1/1.2?

Ka?

[Flexibase]

Worth Trying Your Marmalade who specialise in new driver insurance, They are said to offer new or nearly small cars, so safer and better insurance risks, on lease whose annual cost for both car and insurance beats other quotes for just insurance. They insist on your having passed "Pass Plus" but will include that if not already done. http://www.wearemarmalade.co.uk/

[faboka]

This brings back memories.

Do people still go off insurance groups? I know the scale changed a few years ago but on the old school scale a 2002 clio 1.2 16v was group 3. Would of thought something like an aygo would be less.

Fully comp is normally cheaper. Also adding a second driver can sometimes help as daft as it sounds.

[TheInsanity1234]

At the moment, I'm just looking through confused.com. I know they rarely offer you the cheapest prices, but I'm not planning on getting any insurance through them anyway, as my parents have a multicar policy through Admiral, and I'd get a discount by adding a car on that, and also I get the house a 5% discount by doing those young driver lessons, so whatever happens, if I get a car, it'll go on that policy.

I think a large majority of the quotes I got were ones with black box insurance, and they weren't too bad. I'm not particularly bothered about the black box monitoring my driving, as long there's no time restrictions.

I'm going fully comprehensive, I don't want to be stitched up by having to pay another 2k to replace a car I've wrapped around a tree (though that's never happening, obviously)

Well, since I'm turning 17 at the end of this year, and I currently have nothing better to do.

Post GCSE long summer hols, huh?

Aye.

[TheInsanity1234]

I vote the Panda.

Dom

I haven't tried one but Pandas are always very highly rated by their owners from what I've seen.

I don't suppose you'll be having the 100bhp though

Here's a funny thing for you to munch on.

Fiat Panda Active = £1,348.32/year

Fiat Panda Dynamic = £1,685.40/year

Fiat Panda 100 HP = £1,558.20/year

All are comprehensive, me as owner, policy owner, sole driver. (On average, adding both parents as named drivers appears to lop about £200 off)

They're all no black box, and all are from the same provider (Privilege)

Now I wonder why that Dynamic one would suddenly warrant more than £100 per year extra than the 100 HP one with 40 more horses?

STOP PRESS:
I had a look at a 100 HP example that was a year newer. (57 instead of 56)

It's £1,524.28/year. Hilarious.

Would that mean if I got a brand new one, it'd only be £900 a year to insure?

EDIT:

Added my parents on as named drivers to see how much on a Fiat Panda 100 HP ('57).

Both parents + myself as main driver = £2,234.48/year

Mother + myself as main driver = £2,018.24/year

Father + myself as main driver = £2,266.28/year

All from the same provider as all the quotes above. What is even going on here o.O

[watts93]

What is even going on here o.O

When I was doing my car insurance last year on the admiral website, I tried increasing the value of my car from 2500 to 4000 and noticed it went down. I then tried 5000, and so on till about 15000 and it went down everytime! I struggle to comprehend insurance companies quotes.