New car

[Chrislong]

Originally Posted by PaulRotheram

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.

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

[Doomanic]

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)

[RogerM]

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.

[woOdy]

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.

[antnee]

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

[PaulRotheram]

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.

[mole2k]

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.

[langers]

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

[mobile chicane]

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

[MK999]

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

[showtime]

Originally Posted by woOdy

There is NO salesman on the planet that owns there car.

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

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

[PaulRotheram]

Originally Posted by 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

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

[Col]

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!

[PaulRotheram]

Read the rest of the thread col

[Stu]

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.

[ben]

Get a vauxhall nova

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

lovely exhaust's lol

lil ben

[telboy]

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.

[Slimboyfat]

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

[Slimboyfat]

Originally Posted by MK999

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

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.

[Chrislong]

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