New car

[PaulRotheram]

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?

[rcracer]

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..

[DCM]

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

[PaulRotheram]

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.

[strobe]

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.

[Zipper]

Originally Posted by PaulRotheram

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.

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.

[Zipper]

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

[telboy]

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!!!!!

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'.

[PaulRotheram]

Originally Posted by strobe

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'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.

[PaulRotheram]

Originally Posted by Zipper

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.

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.

[Chrislong]

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

[Zipper]

Originally Posted by PaulRotheram

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.

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?

[DCM]

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

[Chrislong]

Originally Posted by DCM

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.

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.

[strobe]

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.

[DCM]

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

[PaulRotheram]

Originally Posted by Zipper

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?

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.

[Chrislong]

Originally Posted by DCM

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

LOL - "lowdsa-munay!"

[Zipper]

Originally Posted by PaulRotheram

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.

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.

[WHITTLER555]

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