New car
 

Abit off topic to the R/C theme of this forum.. but hey ho i'm going to ask :)

I'm looking in to financeing a new car, has anyone seen any good deals about? I went to a vauxhall dealership earlier and took a look at the new Corsa Club/Breeze(added a/c).

apparently they can take my old car off my hands for 1k, and i'm entitled to an added 'partner' benefit which gives me 10% off the overall price too.

Ideally i'm looking for a free insurance deal, the one i looked at was 9k with free insurance for a year, full warrenty and a few goodies chucked in. I'm aiming to renew the car for a couple of years to gain more no claims and years on my licence as my current insurance is a complete joke, and i'm quite frankly strained with the bill!

I'm just browsing, but ideally i need a new car in january before my current policy needs renewing. I need some new ideas and places to look. Can any one offer some advice, or show me some good deals?

i know when evans halshaw took over dixons vauxhall in hull they knocked £2000 off the new vectra so might be worth checking them out..

go to the auctions or a fleat outlet seller and save yourself half the price and own the ar.

youve missed the point.. I literally can't as the insurance costs so much. i currently pay 2.5k just for the joy of saving my self.. the car is barely covvered (2.5k on THIRD PARTY ONLY!!!!)

The idea of going finance + free insurance is to gain extra no claims and experience to then pay for a car later on and have cheap insurance.

Go round all your dealerships and play one of against the other. Say they will give you this and that and see if they can better the deal.
What sort of car are you after.

I work for Hero Insurance Services... why on earth is your car insurance costing you so much? If you have convictions, then you wont qualify for the free insurance that comes with new cars anyway.

Oh... just seen your age in your profile! Now I now why it's so much! :o

isn't car insurance CRAP!

2.5k thats utter, utter bullocks!

theres loads of doddering old dears out there that can't see for toffee, causes more accidents than you and they'll pay about £34 a year for a Jag or a mahoosive Range Rover!!!!!:mad:

Then they wonder why youngsters drive around without insurance when all they'll have to pay when caught is about £400.


But other than that, sorry Paul i can't think of anywhere that are doing good deals at the mo'.:rolleyes:

I'm open to advice on cars.. but at the moment im set on the new 57 plate corsas, and the fiesta zetecs. i'm going to try pop to VW,renault and fiat to see what they have on offer.

SCUM! haha joke!

No i've no convictions, 100% clean licence but my age and the fact i live in Liverpool helps nothing.

Insurance has been the worst thing for me to sort out, utterly pathetic quotes (i remember being quoted for 9k on an old fiesta when i first started driving..!) and like Terry says, i'm not likely to cause as many accidents as old togers can, or infact alot of 'seasoned' drivers.

I did the same as you Paul on a Ford Ka. I know I wasn't a new driver when i bought it, but id spent a few years on my dads policy so had to do something so I could start to get somewhere towards owning a faster car, like I have now.

I went to Gordon Ford in Bolton, got something like £800 off the screen price, it was 0% APR over 12 months, and came with 12 months free insurance on an accelerated bonus scheme (2yrs ncd). I could have actually paid cash for it, but I may aswell earn interest seeing as it was 0% apr.... and paying cash would mean, no free insurance, no breakdown cover etc.

So when I paid it off, I insured and kept it for another 12months... but as I was on the mailing list for Gordons I got a letter from them, offering a big discount on the Fiesta Zetec AC, which I love, so I went for a drive and again it came with free insurance, low apr, and they offered me above market value for the Ka - so I then had the Fiesta.. paid off the finance over the phone shortly after and avoided the APR etc..

When the free insurance ran out, I kept it for another 12month, although Ford insure had it down as a 1.6 and tried to charge be a hefty premium, so I went elsewhere (Direct Line) and got a good price.

So yeah, whilst I agree with DCM that its better to own a car, I disagree with experience of it being cheaper to finance and loose out on depreciation than to pay inflated insurance premiums, just to do it as a stepping stone to getting cheap insurance.

Now I can insure, I am only looking at used cars.... and seeing as I can get a bit of deal (in the trade, auction experience, done a bit of buying/selling with dad), I tend to change cars before the value has depreciated much below what I have paid for them..... although I bucked my trend with my current car by buying it from a trader (cash), but it was by far the best example of the model I wanted I had seen (and id viewed many).

So, Paul, are you picky about it being a Corsa, or just the best deal on a small hatch?

Chris

You have your own insurance at the moment? If so, then with a years claim free driving you will pay no where near what you paid last year. How long have you had your licence?

remember paul, if you go on a lease deal, then there are a lot of clauses in the policy for it's return value, mileage etc etc, also, they normaly make you hav the car serviced at the dealer etc etc, and if your mileage is high, can be costly. Thats why I suggest 2nd hand Paul.

After the first year, you should also be able to negotiate a far better insurance deal to. And to think, I complained to NU over £450 fully comp

Lease deals don't normally come with free insurance, not that I have seen anyway.

its normally the deals - finance to own - which come with insurance, then there are no clauses except for limited mileage on insurance sometimes.

Take a look at the Seat and Skoda Range. (Look at them as the poorer mans VW) Seat are doing free insurance and 0% finance on there range of cars.

I didn't realise that Chris, not being in the position to even think about that.... imagine the price of a new MPV...

Yep ive my own insurance, and had quotes for next years price.. and it still wasnt a pretty sight at around 1900.. cheaper - but still not good enough, even with a years extra no claims, and on my licance.. ive been driving for over a year and a half.

I'm not fussed on wether it is the corsa or not chris, it's just something i viewed today and fancied the look of it. I'm open to anything at the moment.

LOL - "lowdsa-munay!"

What car you got? For a 19yr old in a high rated Liverpool postcode for something like a Fiesta with 1yr ncb I would expect about £1100.. maybe less. This would be around £110 a month, so the free insurance may seem a good idea for the 1st year but then you would have to pay the cost of the finance + another £90-£100 a month for the insurance the following year.

Paul, just try this for me, i am curious to see how it compares for a young driver.

Google search the word - TILSUN.

Then go on their insurance link to a company with the initials LL.

Tell me if it is cheaper or not.

DW

You'll have to have a busy weekend, but go and view these.

Renault Clio
Seat Ibiza
VW Polo/Lupo/Fox
Skoda new Fabia
Vauxhall Corsa
Ford Ka / Fiesta

The way I did it,is to know the model/colour/extras (i.e. exactly what i wanted) before going - then just make a list on a pad and make notes.. go home and think about it... look online.... go back and make the deal/negotiate etc.

The one mistake I made with the Fiesta is I wanted a sunroof too, and as cars are held in a compound nowadays - they had to have that fitted, and it leaked when it felt like it... so had to keep the rim vaselined up and free of tree fodder.



From memory, Toyota give very little away with the Yaris and they are 1k over priced compared to the equivalent ford/seat

Think outside the box a little.
All the cars you are looking at are commonly driven, and crashed, by young drivers. This drives up the premium. A guy I know is driving a Saab 9000 Turbo at 21 and pays under £800 for it (Bristol post code)

As Dom suggests ... look around, speak to the specialist insurers and maybe you can have something hot if your not doing a 1,000,000 a year!

Car insurance is a very strange thing ...... I once had a fully modified car that cost less than half as much to insure than if it was standard as I could use a specialist broker and policy!!!! I also had a Porsche 944 as a 19 year old and it was MUCH cheaper to insure than my then girlfriends Fiesta for the same reason!!

My girlfriend did what your thinking of doing Paul. I too get Vaux partners discount and we looked at a Corsa .... left laughing when we realised that to get a decent spec we'd thrown £2k on the list price but only added about 50p to the residual value at 1 year old!!!
In the end we got a better spec Seat Ibiza for about the same price as the basic Corsa without the options but with the partners discount!!! On top of that the insurance policy was better, it had free breakdown cover and I managed to get maps and flaps, full tank and first service free by being cheeky and just asking for it!!
Dealer was top, car was brilliant, after sales service was great and we sold it on for about £1k more than the Corsa would have been worth. All in all she could not have made a better choice.

When we worked it out it came up about £50 a month cheaper than driving an 89 Polo saloon which cost about £800 to insure (mainly due to Candice having passed her test in South Africa and having been in the UK less than 5 years, held a licence in the EA for less than 5 years ... .etc.)

Good luck mate.

I work for Renault right now and I would say do not buy a car! Rent it on like a PCP or an options deal. You will loose out too much money if you buy a car now a days. Also, you never know what your future holds for you. You could loose your job or even get promoted and be able to afford a better car. In a option deal you can hand your car back after 3 years or earlier and either walk away, keep the car you have and carry on paying for it untill its yours or get a new car. There is NO salesman on the planet that owns there car.

Go on confused.com and put your details in on there

Have you tried Civic's? They dont seem to be to bad to insure, maybe look older aswell, my bro got a mk1 mr2 at 20, and where we live is same postcode as "4th worst place in country"(nottingham city)

or get an old mini :)

Funnily enough, confused.com always seems to give me the most expensive quotes, although for everyone else its the complete opposite?!

My best quotes have come from Endsleigh, they seem a good company but the cost is too rich for me.

2.5k for England, that sucks. It must be getting more like over here then. My current quotes run around 1.5k for a 110bhp mk4 golf. The largest quote I got was 6k when I was 19 for a 1.6 colt.

paul when getting car insurance the more experienced drivers on you policy can reduce your premiums try getting a quote listing parents as named drivers as this reduced a mate from works insurance on his fiesta st by around 800 quid at 21 years old

does yer wench drive add her to the policy makes it cheaper

Check out direct line too, as they give no claims for named drivers, so you can insure in your dads name or something and get it much cheaper that way. Been looking at car prices for next year myself, but it seems it's gonna be too expensive with uni as well unfortunately :(

they don't need to own their cars as they have use of demo cars that are renewed every few months :rolleyes:

i insured with Elephant.co.uk and they are pretty cheap on my group 20
i also added my mum as a named driver and it took £150 off ;)
(forgot to mention she lives abroad) not that i'd ever let her drive my car anyway :D

Tried this and they only deal with people between 21-79 :(

Think long and hard about this, Paul. When the years free insurance runs out, are you gonna be syuck with a 1year old corsa/fiesta that you cannot affoud to insure at all because you've now got finance to pay for?

Best advice I've got for you - move out of Liverpool!

Read the rest of the thread col ;)

Paul,

Your scort is a 1600 16valve is it not, surely that's why the insurance is 2.5k

Just get one with a smaller more basic engine, or a diesel one.

Get a vauxhall nova

http://www.oople.com/rc/photos/south...port4wd49.html

lovely exhaust's lol

lil ben

The other thing to remember paul is give ins comp's some hastle. they can get your quote down by loads.

A friend of mine's ins went up one year and so he told them to cancel and he'd go somewhere else. then they said they'd knock £80 off the quote. he took the quote to a different company and they said theyd do it for £50 less. he then went back to his original company and they said they'd beat it by £50. so he told em to stuff it as they didn't offer him that price in the first place.....when they obviously could have..
....then went to the other company told them that his original co. had knocked him another £50 off...and they knocked him another £20 off it!!
so £200 less on the quote just for the sake of a few phone calls.

so it proves that they can do it for less than they originally quote you.

;)

Paul, nothing to do with car mate, speaking from an Insurance background, Liverpool and Manchester are the most expensive areas in the uk (bar a few p'codes in London) for insurance in the UK.

Regardless of if its a Ins group 1, Fiat Cinqencento you will pay approx 20-30% more than most other areas simply due to the high risk to the insurers through crime rate, accidents etc.

Your best best is to go on the net and go through Go Compare or Confused.com as they will give you accurate rates through perhaps 30 companies to save you ringing around.

I work for a female specialist broker and 90% of our business comes from these sites and nowadays its pretty accurate withing a few quid if not exact.

Matt

Did you know the Named Driver bonus may not be accepted by any other company than Direct Line?? Its a bit of a bummer really for people who do it, as it means you have to reinsure with them. Good Business sense....bad for customer.

I live on the outskirts of the 'M' postcode, I am 'BL' and the saving for it is significant.

Paul, do you have family who live outside of the Liverpool postcode range? I am not sure how possible it is to do, but have heard of people who declare they live at an uncles house just because of the better code, and I may only be a mile or two away. Probably naughty...

Chris