About To Buy My First Car!

arcon5

daveyjp wrote: »

Check the service records. Its easy for someone running a low mileage car not to bother, especially when the warranty has expired. You need evidence that it has been done.

Check the front brakes yourself. Low mileage can cause disks to rust due to lack of use.

Find me a dealer of any age or mileage of car that doesn't have a lot full of rusted discs. A night of rain gets it started. A good drive often sorts it.

building_with_lego

Crikey on the insurance! Have you tried getting quotes with Pass Plus? I spent £150 doing the course, mainly for my own confidence, but it *may* have some impact on insurance.

(I've only just learnt to drive, started in July, passed and bought my car in November and I was pleasantly surprised to have quotes of £600-£650 for my Fiesta, with my brand new licence and my partner as a named driver who's driven for years but has no no-claims history at all...)

mr_accountant

KellyKoo wrote: »

I won't get finance, I am convinced I won't, just come out of a DRO last month. A relative is lending the majority of the money via a personal loan, which I am paying back. We did think about them getting finance for me, since they have a better credit rating than me, with some credit history, although they are retired they have a good income.


Just got another insurance quote for over £4500, I think I am being priced out the market! Almost wishing I've never learned to drive!

have you followed the mse guide to car insurance, the searches do all the work, and you get the best price and you can include your claim, read link below,

http://www.moneysavingexpert.com/car-insurance/

btw i have a i10 2009, but its a manual, good well built car although road noise is on the high side (like all small cars from that era)

morvin777

Just say that this is the recommended price on what car and see how they react. Leave your details and walk away one time (say you are going to a competitor nearby). Once they knock of a couple of hundred quid...go for it. I think for a 5 year old car, its worth paying a bit extra to a dealer for the extra peace of mind. Main thing is 12 months warranty.

KellyKoo

Hintza wrote: »

You can buy a new Panda for £1k more!

I doubt it would be an automatic car for that price!

SensibleSarah

I passed my test in 2013 but was a little older than your average passer - 34. I actually bought a Hyundai i10 1.2 as my first car from main dealer, two weeks after passing my test. Car was just over a year old (12 plate), 8,000 miles on the clock an cost me £6k - so yours seems rather overpriced in comparison although presumably has some extras and is auto which may be bumping the price up. Mine still had nearly 4 years manufacturer's warranty & 2 years roadside assistance.

Great little car that served me well for 2 years until I decided I needed something bigger.

Insurance was a bit of a pain, but not to the same extent as you. First year was £1400 with my mum as a named driver (who has over 10 years of no claims) but was quoted up to £8k by some insurers with same details. Obviously the area you live in can have a big influence on that too, as well as your profession.

When I was thinking about changing car I did lots of insurance comparisons on various makes and models - the ones with more powerful engines tended to come out cheaper than your little runarounds as they are considered lower 'risk' in some cases. When I bought my current car, a 1.6L diesel doblo, it cost me about £300 less to insure than the tiny Hyundai in year 3.

KellyKoo

building_with_lego wrote: »

Crikey on the insurance! Have you tried getting quotes with Pass Plus? I spent £150 doing the course, mainly for my own confidence, but it *may* have some impact on insurance.

(I've only just learnt to drive, started in July, passed and bought my car in November and I was pleasantly surprised to have quotes of £600-£650 for my Fiesta, with my brand new licence and my partner as a named driver who's driven for years but has no no-claims history at all...)

Wow, that's an amazing price. I thought of Pass Plus but my instructor said it wasn't worth anything. Clearly it is.


I passed in December, automatic only.


I've just put a quote through in my mum's name, leaving the car at my address, and declaring my slight accident (long story, damaged the door on another car shortly after passing my test) and insurance quotes came in at £1900, for mum who has 30+ years of experience and no accidents.

jimjames

KellyKoo wrote: »

I won't get finance, I am convinced I won't, just come out of a DRO last month. A relative is lending the majority of the money via a personal loan, which I am paying back. We did think about them getting finance for me, since they have a better credit rating than me, with some credit history, although they are retired they have a good income.


Just got another insurance quote for over £4500, I think I am being priced out the market! Almost wishing I've never learned to drive!

If you're needing to borrow and have had DRO, do you really need a car of that value? It probably better to get a much cheaper car and lower insurance premiums.

KellyKoo

mr_accountant wrote: »

have you followed the mse guide to car insurance, the searches do all the work, and you get the best price and you can include your claim, read link below,



*had to remove link new user*

btw i have a i10 2009, but its a manual, good well built car although road noise is on the high side (like all small cars from that era)

I went through, Compare The Market and Admiral was the best quote with a black box fitted, still over £4000


I do love this i10 I have seen.


I could save a couple of grand and buy a second hand Toyota iQ for £3000 from a friend whose hubby is selling his, I only have one issue with it and that is the boot size. It is low mileage I think less than 20,000 and a 61 plate. But it could mean a year of driving experience, build up some NCB and then think again, 12 months down the line.


Part of the reason for getting a car is to enable me to hopefully find a part time job and come off benefits after several years of being plagued with MH issues. I'm fixed now!


I wonder if the fact I have a 3 year licence from the DVLA is pushing the price up on insurance because it makes me a 'risk' I opted to declare my medical issues a few years back when I was just holding a provisional licence.

KellyKoo

jimjames wrote: »

If you're needing to borrow and have had DRO, do you really need a car of that value? It probably better to get a much cheaper car and lower insurance premiums.

That's just it, cheaper older cars where in fact coming out more expensive in terms of insurance. A Fiat Panda 55 plate was quoted at £3366! A Ford Ka 56 plate was £3136!