intensive driving courses and First car ideas + advice

Lomast

I passed my test in my early twenties and found an old diesel estate car much much cheaper to insure than any of the small engined micra's 106 etc.

mrathb

wow a fiat seicento 0.9L is a common car i tried the insurance quote for it because i didnt think it was common at all
will try using a ford estate car on the sites tomorrow before work

forgotmyname

Diesels are usually dearer to insure.

Its been the same for every diesel i have owned.

A few years back i was looking for a Montego (Before Mondeo's were made)
I could insure a 2L Turbocharged petrol version with 150bhp for less than the cost of the diesel car.

mrathb

ive just done a insurance quote for a ford estate car and came back
£3,328.61 cheapest quote

spiro

mrathb wrote: »

ive just done a insurance quote for a ford estate car and came back
£3,328.61 cheapest quote

When you have been getting quotes have you included any named drivers ideally older and female (mum, dad, mate) with clean licence? This normally helps reduce premiums even if they never drive the car and is perfectly legal.

satchef1

Those quotes are scary. Where on Earth do you live, because it sounds like you're picking up a fair premium because of locality and (I assume) on-street parking?

I just passed my test at 25, yet I can insure a 2ltr Jag X-Type for less than any of your quotes (I'm not going to, just quoting as an example). My quotes for a 1.25 Fiesta are under a grand. I'm struggling to believe that you're being quoted over 3 times that simply because you're 3 years younger.

note_2

look at group 1 insurance cars.

i'm 20, passed aged 19, and for insurance purposes i ran a few quotes for a group 1 car and this is what i got.

19, just passed - £3500
20, no driving experience - £1500
21, ditto - £800.

hence i wont consider running a car until next year at the earliest.

also you can look at how high risk your area is for insurance purposes here:

http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php

i live in a 'nice' area yet my area is the highest risk possible F*, so id take that with a pinch of sale though....

[Deleted User]

I had 2 x 2 hour lessons a week for 6 months. Although I knocked that down to 1 x 2 hour a week nearer the end.

atrixblue.-MFR-.

note wrote: »

look at group 1 insurance cars.

i'm 20, passed aged 19, and for insurance purposes i ran a few quotes for a group 1 car and this is what i got.

19, just passed - £3500
20, no driving experience - £1500
21, ditto - £800.

hence i wont consider running a car until next year at the earliest.

also you can look at how high risk your area is for insurance purposes here:

http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php

i live in a 'nice' area yet my area is the highest risk possible F*, so id take that with a pinch of sale though....

if the concensus is that people advise groups 1-5 and a say for e.g a million new drivers choose that group of various vehicles in that group and insured them, crashed them, had them stolen, then how do you think the insurers adjsut the costs of insuring these goup cars?

simple answer there increase the premium cost of those group cars to all drivers.

think of it as area classifacation, 1000+ claims go in an area in a short period, that area then reclassified as risk!. same with grouping of cars but the group classification doesnt move just the insurers perspective of that group.

mikey72

I just found it follows engine size quite well, and older cars, (classic) come up with a reasonable price. Higher groups are uninsureable.