What car should I buy to get cheap insurance?

Master18

Hi there,

I've passed my practical test about a month ago, and are now looking for a car + insurance.

Can anyone tell me what car I should buy that'll have insurances around or below £2500?

I'm 20 years old male, with FULL UK license no pass-plus. I'm looking to spend around £1000 on the car and £2500 and no more on car insurance.

Please someone offer me some advice, thanks in advance!

seafarers_wife

put in some details of various cars into car comparison websites with fake name and phone number and email address so that you can get a comparision and go by that so you get an idea of what car to buy.

Master18

seafarers_wife wrote: »

put in some details of various cars into car comparison websites with fake name and phone number and email address so that you can get a comparision and go by that so you get an idea of what car to buy.

What car do you recommend me to type in to get cheap car insurance? I'm not really a car person, the model, the CC on a car I have no clue, I just want a reasonable car (below £1000) that I can insure for under £2500

Lokolo

Something thats low powered 1.0/1.1. Something like a fiesta, corsa etc.

Preferably something old which means you can put it on Third Party Fire and Theft (sometimes its cheaper, sometimes its not).

atrixblue.-MFR-.

1.0 nissan micra 2dr. 98 S reg.

1.0 12V vauxhaull corsa 1997 P reg.

1.3 ford fiesta encore 1997 p reg,

1.4 ford focus, s reg t reg vreg,

1.1 citroen saxo.

sometips, mature named drivers bring policy's down. so if mum or dad drives name them as a named driver, infrequent user.
pass plus schemes can help reduce first years premiums by 30%.

invest in a good alarm system thatcham catagory 1 alarm or catagory 2 immobiliser they go on ebay for £60 onwards and youll need it fitted by an approved autolecky to get the certificate stamped to send to your insurers.

drive ways and garages also bring down premiums if you have one.

being a member of a motor club is also a discount on premiums, e.g ford owners club.

fully comp is sometimes work out cheaper than TPFT and TP sometimes it dont.

lower the miles you expect to do the better higher the miles higher the risk you become.

co-op insurance, admiral have always been the cheapest for me (27 yr old male)

just insured my car £1106.26p with co-op full comp, 2.0L 16v chrysler. everyone else were 300 to 2000 dearer.

using a car for work,colleage,uni then youll be needing cover for social,domestic & pleasure and commuting.

dont go for anything modified in anyway and not declair the mods, it will hit you in the face in the event of an accident.

you wont even get alloy wheel cover till your 21 never mind skirts,spoilers, bumpers etc.

plus, somecars you think that would be totally uninsurable due to engine size may be cheaper than you think to insure, for e.g volvo, saab, rover 200(1.1), estates.

if your not bothered about earning any no claims then get a old decent NOVA and get classic car insurance on it.

shop around hunt ebay, piston heads classifieds,autotrader, ADtrader. get quotes for many different cars from all engine sizes.

oh and its not too late to do a pass plus by the way.

Master18

atrixblue.-MFR-. wrote: »

1.0 nissan micra 2dr. 98 S reg.

1.0 12V vauxhaull corsa 1997 P reg.

1.3 ford fiesta encore 1997 p reg,

1.4 ford focus, s reg t reg vreg,

1.1 citroen saxo.

sometips, mature named drivers bring policy's down. so if mum or dad drives name them as a named driver, infrequent user.
pass plus schemes can help reduce first years premiums by 30%.

invest in a good alarm system thatcham catagory 1 alarm or catagory 2 immobiliser they go on ebay for £60 onwards and youll need it fitted by an approved autolecky to get the certificate stamped to send to your insurers.

drive ways and garages also bring down premiums if you have one.

being a member of a motor club is also a discount on premiums, e.g ford owners club.

fully comp is sometimes work out cheaper than TPFT and TP sometimes it dont.

lower the miles you expect to do the better higher the miles higher the risk you become.

co-op insurance, admiral have always been the cheapest for me (27 yr old male)

just insured my car £1106.26p with co-op full comp, 2.0L 16v chrysler. everyone else were 300 to 2000 dearer.

using a car for work,colleage,uni then youll be needing cover for social,domestic & pleasure and commuting.

dont go for anything modified in anyway and not declair the mods, it will hit you in the face in the event of an accident.

you wont even get alloy wheel cover till your 21 never mind skirts,spoilers, bumpers etc.

plus, somecars you think that would be totally uninsurable due to engine size may be cheaper than you think to insure, for e.g volvo, saab, rover 200(1.1), estates.

if your not bothered about earning any no claims then get a old decent NOVA and get classic car insurance on it.

shop around hunt ebay, piston heads classifieds,autotrader, ADtrader. get quotes for many different cars from all engine sizes.

oh and its not too late to do a pass plus by the way.

Thanks for your reply, what I was looking for. 1 thing though, if I add my dad as the main driver or just a driver, will I still be able to earn no claims or would my dad be earning them? I don't think my dad needs any as he hasn't made any claims within 7+ years.

Simply put, if I add my dad will I earn no claims?


PS: We don't have a garage unfortunately, but we do have a car park for residential. Also, thanks for the tip on alarm, never knew that would lower insurance.

seafarers_wife

Do NOT add your dad as the main driver unless he really is going to be driving the car more than you. it is called fronting and if caught out by the insurance company (and it will be) if you had an accident they could deny your claim.

You can add your dad as an additional driver to see if that lowers your premium thats allowed, but not the other way round.

Master18

seafarers_wife wrote: »

Do NOT add your dad as the main driver unless he really is going to be driving the car more than you. it is called fronting and if caught out by the insurance company (and it will be) if you had an accident they could deny your claim.

You can add your dad as an additional driver to see if that lowers your premium thats allowed, but not the other way round.

Yeah, I understand the consequences. But I won't be using the vehicle as much as my dad. He's the one will be driving too work, I'll be just going to town, locals and back which no where as much use as my dad will do.

agrinnall

Master18 wrote: »

Yeah, I understand the consequences. But I won't be using the vehicle as much as my dad. He's the one will be driving too work, I'll be just going to town, locals and back which no where as much use as my dad will do.

In that case your dad will have to take out the insurance as the main driver and you won't earn any NCD yourself. If your dad currently has 7+ years NCD does he have his own car? If he does why will he be driving yours?

To find out what car will be cheap to insure buy a copy of a used car price guide (Parkers for instance) which will list the insurance group for each model. The lower the group the better - I'm not entirely clear on the groups in the new system, which I think is 1 - 50 rather than the 1 - 20 I'm used to, but there should be an explanation in the guide.

adamc260

Master18 wrote: »

Yeah, I understand the consequences. But I won't be using the vehicle as much as my dad. He's the one will be driving too work, I'll be just going to town, locals and back which no where as much use as my dad will do.

Your still going to get charged a bomb, even if you put your dad as the main driver (and thats even if he is actually the main driver ie: not fronting)

Quentin

agrinnall wrote: »

In that case your dad will have to take out the insurance as the main driver and you won't earn any NCD yourself.

Ignore this.

You can take out the policy yourself, and have your Dad as the main driver, and you will get any NCD the policy earns.

(But avoid RAC insurance as they unusually give NCD to the main driver irrespective of who is the policyholder)