Another Young Driver Horror Story!

rzlosty

Have you tried a company that does curfew insurance?

im guessing thats insurance that limits the times you can drive, if so as explained previously its not idea for me as my shifts at work regularly go over the curfews. So id end up paying lots of extra money.

Thanks anyway!

charlie792

rzlosty wrote: »

I am a full time worker, but as im sure most people can understand when your earning £3.97 an hour (for doing the same job as over 21's who get £5.97 an hour) its bloody hard making ends meet at the best of times. I need a car to get a better job, as living in a rural area makes public transport either not an option or a very time consuming option (depending where im heading).
Thanks!

That might actually change things - ill PM you

pinkteapot

You can use the page below to look up cars and see what insurance group they are:

http://www.parkers.co.uk/insurance/

Get a car that's the lowest group possible (group 1 = cheapest insurance). On that page you can also select an insurance group and see all cars within it.

Interestingly, for Corsas, the older the car the higher the group!

rzlosty

You can use the page below to look up cars and see what insurance group they are:
*NOLINKS*

Get a car that's the lowest group possible (group 1 = cheapest insurance). On that page you can also select an insurance group and see all cars within it.

Interestingly, for Corsas, the older the car the higher the group!

Thanks for that, its going to make it a lot easier!

That might actually change things - ill PM you

sure

charlie792

rzlosty wrote: »

Thanks for that, its going to make it a lot easier!


sure

Did PM you, not sure if you got it...its not coming up in my sent box :undecided

Inactive

Consider a moped for transport to work, far cheaper than a car.;)

rzlosty

Consider a moped for transport to work, far cheaper than a car.;)

I have done, but i think theres a higher chance of me getting killed on one (yeah i know cars are bad etc but i just dont fancy a bike)
Im also 6 foot 4, so its like riding a monkey bike. And i cant go anywhere with friends or take my mum for a meal or anyhting like that with a moped, and if im gunna be paying i might as well get something that does everything i want rather than something that would work for the time being, but im gunna have to get a car anyway. Thank you for the reply.

rev_henry

Couple of incorrect things have been stated here:

1. Insurance automatically goes up if its on the street instead of garaged/on the driveway. With my insurer (Admiral) its the other way round for reasons best known to themselves.

2. Get the lowest insurance group car you can. Insurance groups don't mean much these days. You need actual quotes. My car (1999 Hyundai accent 1.3, which I'd recommend to the OP btw ) is supposedly group 7, but so is a 1.6 Mondeo, and that's loads more to insure.

I'm starting to realise I've been very lucky passing just a year or so before insurance for new drivers became monopoly money.

exup

could try some companies that allow you to build up no claims as a named driver on someone else insurance. I realise that this may mean the car in someone elses name but if it saves you alot of money then maybe a good option. After you have built up your no claims to drop the price then get the car in your name.
Also make sure that you keep your no claims bonus if the original policy holder stops their insurance as Direct Line tried to take 3 years of my no claims that I had built up even though they had said they wouldn't.
Also what about an alarm fitted? I had one fitted to my Fiat so I could control the central locking and it knocked over 100 quid of the premium which was 2/3 the price of the alarm and fitting anyway. (paid for itself the 2nd year). Alarm had a lifetime warranty.
Keeping it on a drive, or garage - things like that can drop the price

olly300

rev_henry wrote: »

Couple of incorrect things have been stated here:

1. Insurance automatically goes up if its on the street instead of garaged/on the driveway. With my insurer (Admiral) its the other way round for reasons best known to themselves.

That's true for more insurers than just Admiral.

Probably because if your car is nicked they will break into your house to steal the keys and will definitely get the correct car.

rev_henry wrote: »

2. Get the lowest insurance group car you can. Insurance groups don't mean much these days. You need actual quotes. My car (1999 Hyundai accent 1.3, which I'd recommend to the OP btw ) is supposedly group 7, but so is a 1.6 Mondeo, and that's loads more to insure.

Also have a look at estate cars or anything else that young people don't tend to drive. Clios, Corsa, Puntos etc are what young people tend to get, there as you will find fewer young people driving an estate car or cars more mature drivers favour.

Also OP as you are 6ft 4' you will probably find it's more comfortable to get a larger car. I know my brothers over 6ft find smaller cars uncomfortable for journeys over an hour.