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Hey, I gunna start driving soon and i was wondering what cars are cheap for 17 year olds to insure not to fussy what they are. Thanks.  |
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polo6n1600i
Part of things
All I need is WD40 & Duck tape!
Posts: 405
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I work in insurance - there is no such thing as "cheap" insurance for a 17 year old.
here are a few of the cheaper ones:-
Nissan K11 Micra 1.0
VW Lupo 1.0
Seat Arosa 1.0
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2002 Vw Polo 1.9 TDI sport - Daily Diesel
2006 Vw Passat 3.2 v6 estate - family wagon
1990 Rover Montego 1.6 LX - Project 41
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VIP
South East
Posts: 8,293
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www.carinsurancegroups.co.uk/There you go, you can search to your hearts content seeing which cars are in the lower group. Even works with a lot of Retro cars too. It uses the 'old' group range of 1-20, but it will still be a good guide as to which cars to choose.
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Last Edit: Mar 8, 2012 18:22:54 GMT by VIP
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www.carinsurancegroups.co.uk/There you go, you can search to your hearts content seeing which cars are in the lower group. Even works with a lot of Retro cars too. It uses the 'old' group range of 1-20, but it will still be a good guide as to which cars to choose. Thanks for that link, I'd always wondered what group my car would fall into, group 8 as it turns out. |
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Polo is a Group 4 (unmodified, for the sake of argument) - £900-1100
Princess is a Group 8 - £600-800
That's for the same policies with the same insurers. Insurance groups mean diddly.
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v1xz
Part of things
i'm retro
Posts: 661
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Daewoo Matiz 800cc 1999 year
First driver - Male 27 3yrs NCD
Second driver - Female 27 new driver
Tesco insurance - £650
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1998 Merc E240 1997 BMW 728i 1998 VW Passat 2000 Kangoo 1999 Transit LWB 1999 Matiz SE 2001 Clio 1998 Golf GTi 1996 Ford Luton.... Retired.... Want a Motorbike... Got one... Yamaha WR125X... Missed RR sooo much... 1983 Porsche 944 1997 Celica 2000 Clio 1993 MR2 1992 MR2T 1989 325i Touring
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bl1300
Posted a lot
Posts: 1,678
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Fiat Uno 45 is insurance group two. Cost me £400 when I was 17 in 2007 though went up to £650 when I passed my test  |
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Current fleet.
1967 DAF 44
1974 VW Beetle 1303s
1975 Triumph Spitfire MkIV
1988 VW LT45 Beavertail
1998 Volvo V70 2.5
1959 Fordson Dexta
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Fiat Uno 45 is insurance group two. Cost me £400 when I was 17 in 2007 though went up to £650 when I passed my test When you're more likely to drive alone, without instruction and more than likely cover a hell of a lot more miles. One of the rare occasions where there is method to the madness. |
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bl1300
Posted a lot
Posts: 1,678
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Just tried to check the insurance groups of my two cars. DAF isn't even listed on the manufacturer list!
Triumph 1300 comes up with.
"This vehicle is not assigned an insurance group as it is either too old or too rare"
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Current fleet.
1967 DAF 44
1974 VW Beetle 1303s
1975 Triumph Spitfire MkIV
1988 VW LT45 Beavertail
1998 Volvo V70 2.5
1959 Fordson Dexta
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should i use comparison sites because i just searched for vw lupo and it was £4208 or should i focus on cars where i can get classic car insurance or do you need to be a certain age?
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bl1300
Posted a lot
Posts: 1,678
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should I use comparison sites because I just searched for vw lupo and it was £4208 or should I focus on cars where I can get classic car insurance or do you need to be a certain age? Its getting more difficult to get classic insurance for under 25s unfortunatly. As for comparison sights don't bother with them. 9 times out of 10 ive had a better quote going direct. Ive also found you often get a better quote if you talk to someone on the phone rather than getting a quote online. Last thing play the insurance companys off each other. i.e. get a quote from one, ask another to beat it and if they do go back to the first and see if they will reduce there quote to get your custom. You really do need to work hard to get a decent insurance quote when your under 25. By doing the above I got last years renewal quote down from £845 to £618 for a policy with two cars on it and didn't change insurers. |
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Current fleet.
1967 DAF 44
1974 VW Beetle 1303s
1975 Triumph Spitfire MkIV
1988 VW LT45 Beavertail
1998 Volvo V70 2.5
1959 Fordson Dexta
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cheers bl1300 i think ill have to try that but i don't start my lessons till july just looking for cars with cheap insurance just to see how much i have to save.
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At the moment, for any new policy for a new driver, I'd budget £1000. I know it sounds like a lot, but that seems to be the entry level figure for an unmodified car that's 1600cc or less. I really struggled to insure my Polo partly because it was modified and partly because of my post code (was in Sheffield at the time, much higher risk than where I am now, out in the sticks). Actually that reminds me, this is quite handy for establishing what sort of risk insurers will consider you to be as they take postcode into consideration for working out the likelihood of you claiming against them. www.motorcarinsuranceuk.co.uk/post-code-ratings.php |
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Last Edit: Mar 9, 2012 2:12:50 GMT by Deleted
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polo6n1600i
Part of things
All I need is WD40 & Duck tape!
Posts: 405
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Saw a quote today for one of the new VW UP 1 litre 60bhp, bottom of the range (bought for them for their 17th birthday) - £286 a year! Group 1 insurance!
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2002 Vw Polo 1.9 TDI sport - Daily Diesel
2006 Vw Passat 3.2 v6 estate - family wagon
1990 Rover Montego 1.6 LX - Project 41
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Please bear in mind your postcode -if you live in a inner city postcode, insurance is virtually impossible no matter how low the group. 99% of insurers will say - computer says NO WAY .
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crazymonkey
Posted a lot
ummm....what was I doing again???
Posts: 1,981
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well I'm 22 and looking at insurance for when I pass my test. on a k11 micra I'm looking at £1700  If I could get it sub £1000 Id be happy so gonna try local brokers when I get a car I want. strange thing is sometimes the bigger cars are just as cheap insurance. used to help by having a car that isnt typical of a boyracer but doesnt seem to matter at the moment. oh and read up on that new EU scheme to make insurance equal between sexes. yep they're just going to put females insurance up (a lot by the sounds of it) instead of reducing males insurance a bit. |
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whoever said dogs were man's best friend....obviously never heard of cable ties
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cheers guys, i live in felixstowe so i don't have to worry abut my postcode the cheapest i found on compare the market is 1983 mini mayfair. my dad thinks they should charge you an set amount and if you claim it goes up
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When we got our young lad his first car, we had a good old play on the PostOffice website. You can change the details of the car and the policy yourself, and it gives you the various quotes.
It became so random that we were looking for either a '96 Corsa or a '95 Clio. '96 Clio or a '95 Corsa were way more expensive. It makes no sense. But have a play with the website, it costs you nothing.
Also we found Fully Comprehensive was cheaper than Third Party, Fire and Theft policies.
We're in Northern Ireland where insurance premiums are crazy for young drivers. I think our lad's first insurance was £2200 on a '96 Corsa, which was the cheapest we could find.
On classic insurance, I suspect you'll have a hard time getting it for a young driver, plus in my experience they've always required you to have another policy for a 'main' car.
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CIH
Posted a lot
Posts: 1,466
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Mar 11, 2012 13:49:14 GMT
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I paid £1000 to insure a 1.3 Mk2 Golf about ten years ago, Manchester postcode. Ha I was so happy to get it so "cheap"!
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