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Insurance for a 17 yr old first timer Watch

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    Its a K reg nova 1.2l 3dr
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      If I were 17 and had to get insurance for a car, I would not bother getting a car at all. If I had that kind of money to spend on insurance, then it will be spent elsewhere instead. Cheeky c's expect you to hand over 4 digits of cash and you get nothing tangible in return. **** that! Being on a lower minimum wage doesnt help matters either. Driving simply isnt worth the extortionate cost for many reasons I cant be arsed to get into.
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      Use a comparison site.
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      (Original post by Meddoog)
      Its a K reg nova 1.2l 3dr
      It isnt going to be cheap.
      Try comparison sites. Also try and get quotes from the cheapest insurers directly, as its usually cheaper than going through a comparison site. Look at companies that arent on comparison sites such as aviva, direct line and churchill. Try different levels of cover- 3rd party fire and theft isnt always cheaper than fully comp.
      Add parents as named drivers.
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      oh dear christ a vauxhall nova, did you steal it? It's easier to steal than buy.

      Also poor decision to get an older car, insurance is a lot cheaper for more modern cars as they are considered safer.
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      (Original post by PhilipG1)
      Also poor decision to get an older car, insurance is a lot cheaper for more modern cars as they are considered safer.
      that's an extremely generalised statement. Newer cars are also a lot more expensive to repair and replace if you have to make a claim.

      Also you're completely wrong that new cars are safer in that respect. They are safer for the people inside the car if it's a major accident but the car is no more or less likely to crash based on its age so not gonna cost the insurance company anything different.
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      If you're a safe driver getting a Black Box will bring your insurance down some.
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      (Original post by Treeroy)
      that's an extremely generalised statement. Newer cars are also a lot more expensive to repair and replace if you have to make a claim.

      Also you're completely wrong that new cars are safer in that respect. They are safer for the people inside the car if it's a major accident but the car is no more or less likely to crash based on its age so not gonna cost the insurance company anything different.
      Whilst you're not completely wrong, Philip made a good point - newer cars generally work out cheaper to insure than an old banger.

      Insurers look at it as if you have a 300 pound car, you're not going to care if it gets damaged, so you're a higher risk. However, if you have something reasonably priced say, 3,000 pounds, you're more likely to drive it safely and look after it, thus a lower risk.

      Insurance is weird.
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      (Original post by IWMTom)
      Whilst you're not completely wrong, Philip made a good point - newer cars generally work out cheaper to insure than an old banger.

      Insurers look at it as if you have a 300 pound car, you're not going to care if it gets damaged, so you're a higher risk. However, if you have something reasonably priced say, 3,000 pounds, you're more likely to drive it safely and look after it, thus a lower risk.

      Insurance is weird.
      nope, again completely generalised and wrong. Go on an insurance website for quotes, keep lowering the value of the car and watch the prices decrease.
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      (Original post by Treeroy)
      nope, again completely generalised and wrong. Go on an insurance website for quotes, keep lowering the value of the car and watch the prices decrease.
      There's a normal distribution for car value vs insurance premiums and IIRC it levels out at about 2,500.
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      (Original post by Treeroy)
      nope, again completely generalised and wrong. Go on an insurance website for quotes, keep lowering the value of the car and watch the prices decrease.
      The same car? If that's how you are testing your theory you will get lowing prices as it's the same insurance group etc. The only way to prove your extremely generalised and imho generally incorrect statement is to check every make and model of car sold against it's newer replacements to see what impact it has. The same plate or make/model/age will have the same safety and security systems.

      Higher safety levels tend to provide lower insurance premiums due to the lower incident in serious life term injury - i.e. "life changing injury" as the police call them. The cost of compensating a passenger in a car for a life time injury can be into millions of pounds after considering adaptations, loss of earning, on going care and support staff so the less of these the happy the insurance companies. Also modern cars are seen as harder to steal so can also offset the additional value of the car.

      In very modern cars crash avoidance/mitigation systems significantly reduce the risk of a crash in the first place and if they don't stop it should significantly reduce it's severity - this means for example the current Golf GTi is significantly lower insurance bracket than the previous model (5 bands iirc) due to radar crash avoidance being fitted at standard.

      However each and every case is different, I've found looking for a friend's daughter the cheapest car to insure as an 18yr old is the Citroen C1 1.0 but I doubt it's the most desirable car. The watch word as always - use comparison sites BEFORE buying a car to check what the insurance costs.
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      From experience insuring my lads, fully comp is usually, but not always, around the same price.
      Silly view but it looks as is you're more interested in taking care
      Don't pay in monthly instalments if you can help it. The price rockets. Pay upfront. Something to do with not paying and/ or cancelling
      Research online the groups that are cheaper to insure. And look at the ones that they consider to be boy racer types. E.g. Corsa
      We got better deals on Clio than anything else
      Nice and reliable too. Just avoid sunroofs. Notorious for leaking.
      After that you may want to sell the nova for something else
      Get a black box
      Try a multi car policy with parents for good discounts
      And after the first year if you've proved yourself they do drop quite a bit.

      After 4 years my lads gone from £1300 filly comp to £480
     
     
     
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