Car insurance question

  • Thread starter Thread starter Poverty
  • 105 comments
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daan
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As an aside. Group 18, 3.0 litre V6, £311. Get in! :D
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You and famine with your suprisingly cheap car insurance!
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I say
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Although my insurance is actually renewed tommorow, it's now £1200! So it's two hundred pounds less walletbreaking. Who knows the year after that I might be paying less than a grand! Who am I kidding, my insurance is expensive.

Poverty
Oh and remember, a 1.4 corsa costs me 2100 to insure. I dont think 3500, is bad at all for a much superior car. I work to live, not live to work and want a nice car.
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WTF? That isn't right, you are 21? It cost me a grand and a bit to insure my 1.4 polo when I was that age, also I was using it to commute to work.
 
WTF? That isn't right, you are 21? It cost me a grand and a bit to insure my 1.4 polo when I was that age, also I was using it to commute to work.
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Insurance is really expensive these days for young drivers with 0 yrs NCB. My friend spent £1700 on his new 1.2 polo which does 60 in 14 secs.

What are you looking to spend on buying it?
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10-12k
 
Poverty
Insurance is really expensive these days for young drivers with 0 yrs NCB. My friend spent £1700 on his new 1.2 polo which does 60 in 14 secs.
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Also what about years of driving since you've had your licence. I had about 3 years occasionally driving my parents old jalopys. I'm not 100% on this but newer cars will cost more to insure because they are worth more.
 
I say again, man alive... If you cut that budget in half I could think of alternatives - and it'd increase your insurance budget too...
 
Famine
I say again, man alive... If you cut that budget in half I could think of alternatives - and it'd increase your insurance budget too...
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I dont want to increase my insurance budget as after a year I wont have anything to show for it, otherwise id go straight for a 200sx.

Raceidiot you have alot to say, apart from come up with suggestions which im open for.
 
Famine's Maths Club!
£11,000 - Audi A3
£3,500 - First year insurance
£3,000 - Second year insurance
£2,250 - Third year insurance

£19,750

c.v.

£6,000 - A.N.Other car.
£6,000 - First year insurance.
£4,750 - Second year insurance.
£3,500 - Third year insurance.

£20,250


£500 extra for a slightly older, but much better, better-handling, faster car.
 
Race Idiot
I'm not 100% on this but newer cars will cost more to insure because they are worth more.
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It depends some newer cars can be cheaper because they are safer. It all boils down to the factors Famine and Scaff pointed out earlier in the thread.
 
Famine
Famine's Maths Club!
£11,000 - Audi A3
£3,500 - First year insurance
£3,000 - Second year insurance
£2,250 - Third year insurance

£19,750

c.v.

£6,000 - A.N.Other car.
£6,000 - First year insurance.
£4,750 - Second year insurance.
£3,500 - Third year insurance.

£20,250


£500 extra for a slightly older, but much better, better-handling, faster car.
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But when I come to sell on I should get about 7k for the A3, and 3k for the 6grand car making me still better off with the audi in the long run.
 
And the extra fun you'll have in the meantime? Can you put a price on that?
 
Wait how much are you planning on paying for the A3, 10-12K. So your losing far more cash on the A3 than the 3 grand you'll lose on the 6k car.
 
Next year mine will hopefully plummet, it's not bad on the 306 but on the Bora it's steep.
 
Poverty
The Focus isnt on another level for FWD cars at all, there are several japanese FWD cars that will and would take it for a walk.
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And they are?

The only one that I would rate as being better handling than the Focus (Mk1 or Mk2) is the Intergra, and that's not officially sold in the UK. The Mazda 3 is getting some very good press in regard to its handling recently, ohh wait what's that based on again, the Focus.



Poverty
And audi have been releasing good handling cars for well over a decade. Fords first good handling car? (excluding supercars). The Escort Cosworth, and they didnt make another good handling car till the MK1 focus, the MK2 is still good, but not as good as the first.
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The original Cortina that was praised for its handling ability and won countless touring car championships, the Mk1 and Mk2 Escorts are some of the single most famous rally cars of all time, with the road car versions still highly sought to this day. The '80s saw the era of the 'Cossie' models, and then we move to the Puma, rated by many as again a car that set handling benchmarks for FWD cars, and we then move to the Focus. But we must not forget that little gem of the current range, the Ford Ka, superb dynamics and feedback in a tiny package. Ford have been building great handling cars for decades, and none of the ones I have mentioned are supercars, which means only one thing. You know bugger all about Ford.



Poverty
Then theres the reliabilty issues of fords also to contend with and their rubbish ability at holding onto their value and not rusting away.
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Can you show me published proof that Ford's have a current major issue with rust? Or that they suffer from awful reliability issues? I would ask you to show proof that the Focus is a hideously un-reliable car and prone to rust (an almost unheard of condition on modern cars unless they have suffered accident damage that has been incorrectly repaired). The only statement you have a hope with here is that Fords do drop value more than Audi's.


If not I would stop with your own stereotypes.

Scaff
 
In that Parker's quote of yours where they say that the A3 has good grip and accurate steering, well so does the Vectra. That's its only positive handling attributes though so that hardly qualifies either as a good handling car. If you honestly wish to believe the retail trade's opinion above that of enthusiasts magazine journalists, then you do that. At the end of the day, it's not my money, I hope you enjoy the A3. I know most Focus owners wont be missing out on anything though.
 
Famine
£500 extra for a slightly older, but much better, better-handling, faster car.
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... assuming he doesn't crash it (or someone else crashes into it) - at which point we hit an obscene amount of money that'll be more than Year 1. Remember you're recommending a 21 year old whose regular driving experience consists of a Corsa gets an old (possibly rear drive, such as the 200SX) Japanese 7-seconds-to-60mobile. I know he wants an A3, probably a 2.0 FSI, and the car that falls into that model and price bracket has (according to Top Gear) a 9.2 seconds to 60 time, FWD and 132mph top whack.

Personally, in Poverty's situation, I'd just buy a Mk1 MX5 - the slowest being 9.4 to 60 and 119mph top speed, according to Wikipedia - and have an absolute riot in it. But then that's just me.

daan
.......

As an aside. Group 18, 3.0 litre V6, £311. Get in! :D
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Git. :grumpy::trouble:

Was that quote originally Old Geezer's? I searched for it once but couldn't find it.

Poverty
Not one that doesnt look and drive like a granny mobile.
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Mazda MX5? Honda Prelude? Toyota Celica? To name but three. I can honestly say I've never seen a granny driving any of them. The Celica won rally championships; you don't do that by having grannymobile handling.

At the end of the day, you seem dead set on getting an A3 and nothing anyone says will change your mind. If you're prepared to pay for it - and paying is what you'll be doing a fair bit of, and none of the figures will be small - then buy one. But don't expect anyone to notice you - unless the ability to stay inconspicuous is what you want from a car, in which case I can't think of anything better than an A3.

Or you could always get a Mini :D Cheap to run, insure, has handling to put a grin on your face, and in London you'll be able to park it anywhere! Just a thought.
 
Roo
'd just buy a Mk1 MX5 - the slowest being 9.4 to 60 and 119mph top speed, according to Wikipedia - and have an absolute riot in it. But then that's just me.
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One of the best suggestions yet, something that will teach you a lot about driving, at reasonable speeds and within a sane budget.

👍

Scaff
 
Roo
a 21 year old whose regular driving experience consists of a Corsa
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The thought had occurred... But the most common crash for under 25s males is a single vehicle accident, so no-one else would get hurt... :D
 
Scaff
One of the best suggestions yet, something that will teach you a lot about driving, at reasonable speeds and within a sane budget.

👍

Scaff
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He's already used the awesome term grannymobile in this thread. Can you imagine what he's gonna say about the MX-5?

That aside, the MX-5 is definitely a drivers car. I would have gotten one but damn the uk spec ones seem to keep their value well for their age. Although I wanted a 1.8 one with the lsd and also a hardtop which was probably impossible to find thinking about it.
 
I've just been idly flicking through Parkers for data.

If you drop about a second from the A3 2.0 FSI's 0-60mph time, you drop about 5 insurance groups immediately - or about a grand.

As it stands, the SEAT Ibiza 1.8 20v Cupra is your most viable alternative (which isn't surprising). It's almost identical to the 2.0FSI in every department but, as it's slightly older and cheaper to start with, should cost less to buy and insure.
 
Im gonna go check out some seats then :D

The MX-5 doesnt seat enough people, I need atleast a four seater.
As I have mentioned before insurance on a celica is extremely high, otherwise id go straight for the 140hp version.
Vauxhalls are garbage and I certainly wouldnt want another one of those let alone a compare a vectra to A3.

As for what I said about fords the point of that statement was to show that anyone can spew out old stereotypes.
 
The A3 isn't a fine handling car and neither is the Vectra. I compared the two facets that Parker's listed as being good which were Grip and Steering Accuracy, both of which the Vectra can offer, but the rest of the package seriously lets it down. I drive the Vectra regularly on Dartmoor, with many challenging corners. The fact that the Vectra doesn't fall off the road when it gets a little out of shape with plenty of roll-rock going through the chassis says it isn't entirely garbage, but then that's far from good handling either. The A3 isn't a great drivers car, but you can still enjoy it within its limits as I have to do with the Vectra. Just because the car is flawed, it doesn't stop the subjective side of me loving hooning down a country road.
 
You cannot compare a A3 to a vectra. Give the vectra 200 odd hp and it will understeer straight into a ditch. Going by the 'ring and hockenheim track list, plus a couple german articles where they did comparisons with the vectra you will see this. The A3 is far superior.
 
Give any front wheel drive car 200 plus hp and it's likely to understeer into a ditch. My car manages it with just 45. Incidentally, if the Vectra and A3 are incomparable, then you can't say one is better than the other - if you did, some sort of comparison must be involved.

What's the times for the A3 (not S3) and Vectra on the Nurb and Hockenheim? I can't find them in live4speed's Nurburgring list.
 
Ive been checking out the ibiza and it turns out for my money I could get a nice ibiza 1.8vt FR 150 for my money. Its faster than the A3, cheaper than the A3, and if it chip it I will get a huge powerboost from it :D
The interior doesnt look very nice though.


The deciding factor now is how much the insurance will cost me. Its the same group as the audi, but a weeny bit more powerful, quite a bit faster and it has a turbo. If the insurance is crazy on this car the ibiza will get ruled out, as the second fastest ibiza is a 1.4 with 80 something hp.
 
Poverty
Its faster than the A3, cheaper than the A3, and if it chip it I will get a huge powerboost from it :D
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And if you chip it the insurance company will get a boost from your pocket too.

What about the Leon? I'd prefer it to the Ibiza.
 
daan
And if you chip it the insurance company will get a boost from your pocket too.

What about the Leon? I'd prefer it to the Ibiza.
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Ibiza is ruled out. 5 grand to insure it :indiff:

I prefer the leon too well the old shape leon. If they have one with A3 performance I'll do a quick quote on them.
 

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