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Nov 20, 2019 13:12:43 GMT
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The insurance thing is a moving goalpost. We bought a Seat Arosa 1.7SDi purely because it was the cheapest thing we could find to insure at the time (about 5 years ago). The only cheaper things at the time were a Fiat Cinquecento (looked at one but it was knackered beyond hope) and the 1.0 petrol version of the Arosa. Pug 106s were also in contention but a bit more. Also significant (>£300) variations between different, mechanically identical models.
Interestingly, no 2 son swapped to an Audi A4 avant 1.9TDI earlier this year and his quote for that was barely more than the Arosa renewal.
During the original search I remember being surprised that much newer cars (well over budget) were cheaper to insure than much lower value older stuff and also how stupidly expensive small far-eastern cars were to insure.
Nick
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1967 Triumph Vitesse convertible (old friend) 1996 Audi A6 2.5 TDI Avant (still durability testing) 1972 GT6 Mk3 (Restored after loong rest & getting the hang of being a car again)
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C320
Part of things
Posts: 24
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Nov 20, 2019 13:16:05 GMT
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I am finally of that age, where i am helping my daughter to buy her first car. Insurance and reliability are high on my list of items to consider. She loves the E30 BMW, but i cant afford these now. So what ideas have you got? What is cool and what is trash? Fiat 500 Fiat Panda 100 VW Beetle 2.0 (1998-2000ish) VW Golf GTI 2.0 (MK IV) VW Polo GTI (6N2) - although I believe they have a slight weak spot with gearboxes Volvo C30 On the BMW front, how about BMW 316 / 318ti Compact - although it does also introduce the dynamic of rear wheel drive into the equation... As others have said budget will dictate a lot and then insurance is likely to be the stickier issue. My eldest daughter is about 5 years away from this, but she's already given it some thought and as a petrolheads daughter she currently wants a Polo GTI or a Golf GTI as her first car. My younger one currently wants a pink Fiat 500.
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Last Edit: Nov 20, 2019 13:19:21 GMT by C320
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Nov 20, 2019 13:22:13 GMT
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If I was looking for a first car that stood out I'd be sorely tempted by this Mk1 Twingo on Facebook at the moment ...
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You've been telling me you were a genius since you were seventeen ... in all the time I've known you I still don't know what you mean !
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Nov 20, 2019 13:27:04 GMT
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In serious mode, when my son was 17, a Land Rover 90 was the best value, insurance wise. Not the first thing that sprung to mind.
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Nov 20, 2019 13:38:47 GMT
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Early C70 Coupe?
When I moved my insurance over from a 940 to a C70 T5, my insurance DROPPED by almost £100.
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1988 740 Turbo, 1998 V90, 1991 Eunos Roadster.
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Nov 20, 2019 13:41:59 GMT
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It's a shame there isn't a reverse look up tool for insurance, you put all your details in & it tells you your 20 best options for cheap insurance.
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Nov 20, 2019 13:50:30 GMT
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The problem with that is next years insurance would go through the roof as the unloved obscure car this year would all of a sudden be very popular next year,so a bigger risk and higher premiums 🤣
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Nov 20, 2019 13:54:52 GMT
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The problem with that is next years insurance would go through the roof as the unloved obscure car this year would all of a sudden be very popular next year,so a bigger risk and higher premiums 🤣 I'm thinking it would be constantly changing & different people/areas would have different results. But yes, that is a potential downside
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gryphon
Club Retro Rides Member
Posts: 330
Club RR Member Number: 157
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Nov 20, 2019 14:13:20 GMT
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On the insurance side, it's worth checking out owners club discounts. A friend got his first car recently, and the cheapest insurance he could get was on a Mk2 MX5 because Footman James gave a mahoosive owners club discount. I'm not sure that works so well at 17 (he was 20ish), but it's worth asking inquiring about. Get her a 944 - they've got cheaper since you sold yours (/s, just in case)Edit - Oh, I that there were an extra two pages... Reading through my memory was jogged that I think the discount was on a classic policy that her age rules out, sorry!
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Last Edit: Nov 20, 2019 14:16:40 GMT by gryphon
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Nov 20, 2019 14:18:55 GMT
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Whilst browsing for insurance on Monday and chatting with a couple of others on site. Found out you could lease something new, with insurance thrown in for less than some of the quotes we had! Which I guess explains why there are so many kids driving round in new cars (does that mean they grow up with no interest in old cars?) But how long is the free insurance for? Could end up with a big insurance bill and lease cost after a year. Didn’t investigate as I didn’t want to get the ongoing follow up calls once I added details, but yeah imagine it’s first year free on a 4 year lease... with expected revenue from any marks to it
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Nov 20, 2019 14:24:52 GMT
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On the insurance side, it's worth checking out owners club discounts. A friend got his first car recently, and the cheapest insurance he could get was on a Mk2 MX5 because Footman James gave a mahoosive owners club discount. I'm not sure that works so well at 17 (he was 20ish), but it's worth asking inquiring about. Get her a 944 - they've got cheaper since you sold yours (/s, just in case)Edit - Oh, I that there were an extra two pages... Reading through my memory was jogged that I think the discount was on a classic policy that her age rules out, sorry! Footman James stipulate 18 years old, with one years no-claims. Unless it’s a Morris Minor!!! But the Corsa qualifies next year (hopefully )
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Nov 20, 2019 14:34:45 GMT
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Didn’t investigate as I didn’t want to get the ongoing follow up calls once I added details, but yeah imagine it’s first year free on a 4 year lease... with expected revenue from any marks to it Peugeot just add Fuel for a 18y/o over 37 months:
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Nov 20, 2019 16:12:21 GMT
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Fiat panda 100. Get rave reviews for handling. A basic 1.2 (or twin-air) Panda would be a good choice, surprisingly spacious inside. Select the right version 1.1 or 1.2 and it's only £30 to tax, The "wrong" ones go up to £145 just for a few extra grams of CO2. Unless you/she can afford the 100HP hot hatch version or the 4X4 which are a totally different kettle of fish
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Phil H
Posted a lot
Posts: 1,448
Club RR Member Number: 133
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Nov 20, 2019 16:53:49 GMT
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On the insurance side, it's worth checking out owners club discounts. A friend got his first car recently, and the cheapest insurance he could get was on a Mk2 MX5 because Footman James gave a mahoosive owners club discount. I'm not sure that works so well at 17 (he was 20ish), but it's worth asking inquiring about. Get her a 944 - they've got cheaper since you sold yours (/s, just in case)Edit - Oh, I that there were an extra two pages... Reading through my memory was jogged that I think the discount was on a classic policy that her age rules out, sorry! Footman James stipulate 18 years old, with one years no-claims. Unless it’s a Morris Minor!!! But the Corsa qualifies next year (hopefully ) I was just about to say I was sure the only classic car you'll get sensible (classic) insurance on is a Moggie. As above really - for the first year it's all about stats rather than the car itself. Newer (or more upmarket) cars have better braking systems, hence less chance of hitting anything. Vehicle value plays next to no part in insurance costs - the top 2 costs in a claim are usually hire car and whiplash these days. It's always been the same - when I turned 17 and hit the road, I started of in a Mini, yet others of my year were driving all sorts any paying about the same insurance - MkIV Cortina 2.0 (as quick as a Capri but a quarter of the insurance), Skoda Estelle, but some were happy to pay the extra for a Mk2 Escort as they were written off on a daily basis by 17 year olds back then. My next car was a Triumph Dolomite 1500HL - cheaper to insure than a Mini based on the usual demographic of a driver of one in the early 90's.
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Phil H
Posted a lot
Posts: 1,448
Club RR Member Number: 133
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Nov 20, 2019 16:58:22 GMT
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In short, go left-field - Volvo V50? Saab 9-3? It takes a lot to get out of the assumption that a small car is cheaper to insure. 99% of the time, it isn't. Merc C class even?
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Nov 20, 2019 17:05:37 GMT
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Frankly some of the suggestions put forward on this thread have been ridiculous. Anything above insurance group 10 will cost several times the car's value to insure and some of the suggestions have been in group 25+ She may have to accept something 'usual' for a couple of years to build up some insurance history. If you can find a nice (not rotten) the KA is one that many girls seem to like as they can be specced quite well but still sensible to run and own and quite stylish. If she's like my daughter she'll want phone connectivity as a main priority never mind the engine!
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Last Edit: Nov 20, 2019 17:07:06 GMT by duggers
Needs a bigger hammer mate.......
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Nov 20, 2019 17:44:02 GMT
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In 2008 I had a 2.0 Sierra estate I'd done up over a couple of years, cheapest quote was 3500, so I swapped my grandad his Fiat Tipo 1.4 for 12 months. Good car, think it was 1200 to insure. Rare now though.
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Nov 20, 2019 19:43:21 GMT
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Frankly some of the suggestions put forward on this thread have been ridiculous. Anything above insurance group 10 will cost several times the car's value to insure and some of the suggestions have been in group 25+ Ignore insurance groups, it's stats. I got an insurance quote on a 1.1 Panda (group 1) it was more expensive than most other stuff I was looking at, ended up with a 1.4 6n2. The original car I was looking at was a 1.7td fiesta, it was cheaper to insure a 2.0 16v corrado! These were all as 2nd cars so my ncd was tied up on my mk5 Golf gti (which was cheaper to insure than the golf plus, dispite it having twice the power and being worth 4 x the value)
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C320
Part of things
Posts: 24
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Nov 20, 2019 19:54:35 GMT
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Frankly some of the suggestions put forward on this thread have been ridiculous. Anything above insurance group 10 will cost several times the car's value to insure and some of the suggestions have been in group 25+ Ignore insurance groups, it's stats. I got an insurance quote on a 1.1 Panda (group 1) it was more expensive than most other stuff I was looking at, ended up with a 1.4 6n2. The original car I was looking at was a 1.7td fiesta, it was cheaper to insure a 2.0 16v corrado! These were all as 2nd cars so my ncd was tied up on my mk5 Golf gti (which was cheaper to insure than the golf plus, dispite it having twice the power and being worth 4 x the value) Totally agree, although insurance groups are a handy indicator for most people. You can get some surprising results as others have eluded to here already as some models are seen differently by insurers. I’ve just changed my daily from being a BMW 640d to a 575hp X6 M which is numerous insurance groups higher but my insurance on the X6 M is lower than the 640d! Bizarre, considering the X6 also has comfort access and many cars with that are being stolen so easily! If it was a BMW M5 Competition (same engine) my quotes were coming out £150 higher than when I had the 640d. So insurance groups help but individual circumstances and obviously post code etc all make a difference.
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Nov 20, 2019 20:35:03 GMT
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I have just run some quotes for a 18y/o girl, just passed test in full time education. Can't get a quote on any bmw (well 520 e39 was 6k lol) so far, so apologies.
But a 57 plate (normal) ka £1800 Beetle cabrio 04 plate £2400 Focus cabrio 59 plate £2100 307 cc 04 plate £2400 Eos cc 58 plate £2500
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Last Edit: Nov 20, 2019 20:53:45 GMT by joem83
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