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    So I just passed my test last week ahhhhh yeahhhhhh

    But the thrill has died now I'm looking at insurance prices !, I personally thought my savings (£4000) would be fine to get me up and running I've got a part time job while I'm at college so paying for petrol etc is no problem.

    The cheapest quote I've gotten is £4000 on a 2004 ford focus (the car costs 1900 so that rules that one out !)

    Just wondering any one else's experience, cheers Conflict.
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    i'M 20 HAD LICENSE A YEAR AND TO INSURE A FORD FOCUS IN MY NASME AM LOOKING AT £7000 TPFT
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    Definitely can drive for £4000, I'm driving for about £6,000 if you add the cost of car and tax and I drive a stupid car. Just need to buy a car in a lower insurance group.
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    Lucky you, the cheapest quote I've had is £7600 for a 1.2 Fiat Bravo :mad:
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    find a parent or two who have a clean record, lots of no claims and add them as a named driver.
    doing that is not illegal, unlike your parent getting a policy and you being a named driver but actually being the main driver.

    doing that will bring your quote down, i never paid over 1800 i think for insurance, even newly qualified at 18 with a 1.6.
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    (Original post by c471)
    find a parent or two who have a clean record, lots of no claims and add them as a named driver.
    doing that is not illegal, unlike your parent getting a policy and you being a named driver but actually being the main driver.

    doing that will bring your quote down, i never paid over 1800 i think for insurance, even newly qualified at 18 with a 1.6.
    Thanks !!!

    Done this and managed to find a cheap volkswagon polo (02 plates) for £900 and the quote is £3500, tempting !

    Going to ring up I-Kube tomorrow see what they have to say if not I think I'm going to go for it.

    Has any one ever owned a polo, good cars ?
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    That is still pretty high. Polo's do tend to command slightly higher insurance prices. See what price you get with a Fiesta, Corsa, Clio?

    Also try insurance brokers such as Adrian Flux etc ... you'll have to ring and give details over the phone to get a quote but it could be worth it. If you're not planning on doing a lot of mileage try insurethebox - they have limited mileage policies. They a device in your car which measures the amount of miles you do. If you go over what you've said it's pretty ridiculous charge, so only do it if you know roughly what kind of mileage you are planning to do.

    As mentioned above, definitely add experienced drivers (preferably two people), this should decrease your premium by a great deal.
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    I bought my first car for £50. Insurance was £1100. It was an F reg 1989 VW Polo (in pimpin' gold). It's doable.
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    When I was 17 I had a 55 Fiat Punto 1.2 8v Active Sport that cost me 3250, in fact I still have it XD.

    So far I've had to replace the anti roll bar, which cost me £50 and front discs/pads which cost me £30.

    But on the whole I love the car.
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    Corsa 1000
    Insurance 1800
    Tax 130
    = 2930
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    go with the cheapest insurance car brackets, these are corsa, Ka, citreon c1, 107, toyota aygo and a few others. 4000 isnt much for a first time driver, your choices will be limited
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    my (male) cousin @ age 17

    in east london postcode
    no ncb (only passed recently)
    car = £1,000
    car tax= £210
    insurance = £860.

    1000+210+860= 2070

    car is a 1.6 peugeot 307 sw (estate), unmodified, and insurance is with lv, paid in one go. friend got the price got the price for my cousin through haggling on the phone, down from original quote of nearly £2,000. this was around 1 month ago.
    good luck xoxo
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    Motoring in the UK looks terribly expensive.
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    I'd suggest you use the mymmoneysupermarket car insurace comparison section. It is actually the best one out there.

    Go with elephant insurance, will be the cheapest, or bell.
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    Endsliegh do great deals for students, you have to be the only one driving the car though or the main driver i think.
    Just got my second car £520 for the Ka and £2000 for the insurance for the year.
    I have a mate who is insured on a cilo for £1080, him being a named driver on his mums policy i think.
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    When I was 17 I had a Triumph Spitfire 1500 convertible.
    Car was £1750, insurance was £750, tax was £60.

    Get some quotes from some classic car specialists for something like a Triumph Herald, MG Midget, Morris Minor etc...
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    I'm not even driving for the years at university once I've passed, absolutely ridiculous prices, got a quote for if I'd had my license for the length of time at uni and it was about £1700 which isn't all that bad! Sure that in 4 years time though that will have considerably increased
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    (Original post by conflict)
    Thanks !!!

    Done this and managed to find a cheap volkswagon polo (02 plates) for £900 and the quote is £3500, tempting !

    Going to ring up I-Kube tomorrow see what they have to say if not I think I'm going to go for it.

    Has any one ever owned a polo, good cars ?
    I've got a 53 plate 1.2 polo and it is really such a good little car. Actually makes you smile to drive it


    Erm whoever negged me...why...?
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    I don't understand all there quotes of £7000? I have a 2.0 2007 Renault Clio and the insurance is £2300 Fully Comp, and it's definitely nothing to do with postcode as I live in a terrible area!

    I mean I have had quotes that have been £7000 but they have been in the minority.
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    (Original post by jimcatinnes)
    I don't understand all there quotes of £7000? I have a 2.0 2007 Renault Clio and the insurance is £2300 Fully Comp, and it's definitely nothing to do with postcode as I live in a terrible area!

    I mean I have had quotes that have been £7000 but they have been in the minority.
    No-one understands. Insurance prices are on the most part illogical and bizzare. Only the insurance companies no the rationale and what they do.

    I suppose there are far less 2.0 207's being crashed by 17 year olds than there are 1.0 Corsa's. This puts the Corsa in a higher risk bracket than the more powerful, newer 207. In the same way a friend at college was insured on a 1.9 Diesel Mondeo for less than everyone else was insured on there Corsa's, Polo's etc

    The insurance groups we see are most likely not the ones the insurance companies use internally. I'm sure they have some very detailed and complex categories.
 
 
 
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