new driver and car insurance.

crystaltipps

Hello,

I am hoping some people here may be able to advise me.

I am currently taking driving lessons and hope to be legit by the summer.

I have been using information from exchange and mart to do various insurance checks through go compare, moneysupermarket, compare the market etc, with a view to finding a car that is reasonable to insure but there seems to be huge differences in various models.

So, my question is what first car would/did you buy with a good rate of insurance? I have tried to make sense of categories, with little success.

Background - I am 34, full time student at the moment, with two kids. I rent my house and it will be parked outside my house on the street.

So far, the cheapest I have found is £589 for a 1996 vauxhall corsa and £705 for a peugeot 106, 1998. Other cars I have looked at are over £800 up to over £1000. All cars I check cost less than £700 but I do appreciate it isn't just insurance for myself. Also, all are fully comp - there is little difference in changing to third party etc.

Apologies for the long post, thanks for reading. And all advice would be gratefully appreciated.

iolanthe07

A pre 2003 Nissan Micra 1.0 will be among the cheapest - not much street cred, though.

crystaltipps

Thank you for your quick reply. I am sure my girls may have something to say about street cred, but i don't give a hoot, thankfully. I just want something for that first year, that will be in true MSE style, i.e. as cheap as possible.

Going to do a quick check (well,I say quick, but it is not as the ads would have us believe, a five minute job!

Many thanks.

catflea

For an inexperienced driver those are pretty good prices - just be glad (for this purpose) you aren't 17!

Thing to do is to get a small engined, cheap as chips banger (and TBH, the corsa is as good as any you will be looking at) I'd also be looking at 1.1 fiestas of a similar age and citroen AX

crystaltipps

1997 micra passion = £705 with money supermarket, £646 with compare the market, £648 with go compare.

Maybe people know a different insurer to check with other than the above three, Although I must say that direct line were over £200 more than all the other best quotes so despite their expensive celebrity endorsed adverts, I don't think I am going to bother checking with them!

bb69

Try a corsa .... also try the new name for Norwich union (Aviva) I went with them when I got my car a corsa (still have her!) and they did a 9 month insurance policy and somesort of bonus to build up the no claims bonus.

I left them after a while to find better deals elsewhere.

crystaltipps

Many thanks catflea (you don't seem to have a thanks button on my screen - will reload and locate,hopefully!)

I agree, they are better than I thought they would be - but still, the mse in me insists on scouring for the absolute best price before i start trying to locate a good car.

Tried a couple of fiestas - thinking parts etc would be more reasonable than some foreign cars - unfortunately, they seem to be at the steeper end of the quotes.

Thank you for your input. I think at the moment, Vauxhall corsas are the way to go!

crystaltipps

Off to Aviva! Thank you BB!

crystaltipps

Aviva - 1997 Micra, £1400! giggling at that one! Gonna try a Corsa there now, in the interests of balance...maybe the Micra is a special rare edition!

bb69

crystaltipps wrote: »

Aviva - 1997 Micra, £1400! giggling at that one! Gonna try a Corsa there now, in the interests of balance...maybe the Micra is a special rare edition!

lol Keep phoning try someone else - I phoned once and was quoted £2k for the corsa which was 3 years old then.. was told the price was up cos of the letters SXI :rotfl:

Anyway phoned them again spoke to someone else £750 which was good at the time..for me anyway

Also bear in mind the area you live in will affect the price.. also off street parking etc..
Have you also considered pass plus? used to be £100 to do extra driving back then, compare non pass plus insurance with those with it, as the difference might be good ??

NickWarren_2

Cheapest But also most embarrasing (to me anyway) Car my wife has been quoted cheaply on (at 25, female and new pass) is £462 per year for.... a daewoo matiz.