RCbutcher Posted October 1, 2014 Share Posted October 1, 2014 right now im just saving im hooing to have enough by next summer. so im looking for ideas or tricks to make it easier. if im lucky find a car insurace sales man who can check cars premiums for me lol. ide sign up and that lot but they want my phone numbers and email addy which im not suppling im already getting phoned dayly by strangers making me feel guilty for saying no. ill be 28 , no convictions , car parked outside home , no liecence before all clean. Some tell me ill be looking at 2k for 1st year i hope not but if so ide like to find out whats the best car for that premium. i like the idea of 1.4L fiesta mk5 or 6 vw golf 02 reg honda civic vauxhall astra focus escort latest shape. what others would you put on the list im going to be 28 so i hope i can skip the one litre cars lol hopfully. also 5drs prefferd having 2 kids and a hatchback so its easier to drive i think. i once drove a vauxhall carlton 2 wheels on the path cos it was so big but i was young but would rather a hatch still. with my fg mt counted as 200 when i sell it if i do as it is ill have Quote Link to comment Share on other sites More sharing options...
4eyes Posted October 1, 2014 Share Posted October 1, 2014 I doubt it'll cost you 2 grand. My wife is 30 and has just passed her test. I bought her a 06 plate vw polo 1.4 and the insurance is around Quote Link to comment Share on other sites More sharing options...
norcoforever Posted October 1, 2014 Share Posted October 1, 2014 Cheap insurance you say? Have a look at skoda fabias I had a 1.9l sdi as my first car I was 22 no no claims etc etc and it cost less than 1000 fully comp so for yiu at 28 it should be a lot less Quote Link to comment Share on other sites More sharing options...
Si Coe Posted October 1, 2014 Share Posted October 1, 2014 At your age lack of actual driving experience barely effects the insurance cost at all - except for the obvious fact you don't have any no claims bonus. My wife learnt to drive about the same age as you and started with a 5dr 1.4 Focus. The insurance cost for that wasn't any worse than a 1 litre supermini because that sort of car tends not to have many accidents. Quote Link to comment Share on other sites More sharing options...
Madmini Posted October 1, 2014 Share Posted October 1, 2014 (edited) If you have a provisional license go and buy the cheapest banger you can. Park it on the drive and insure it now. That way your building up no claims which makes a huge discount. I live In a good area and my instance on a 1.5 peugot 106 was about Edited October 1, 2014 by Madmini Quote Link to comment Share on other sites More sharing options...
RCbutcher Posted October 1, 2014 Author Share Posted October 1, 2014 thats a great tip building no claim on provisional i never thought that was possible. So if i got something left it on the road outside my house insured for the absolute minimum the year i want to be driving i could get fully comp with 1yr no claim. or would the dummy car have to be fully comp too. Anyone got a 3 wheelier Robin roller lol. Quote Link to comment Share on other sites More sharing options...
RCbutcher Posted October 1, 2014 Author Share Posted October 1, 2014 actually the saving would have to be pretty big to buy a year insuance to let sit. like if the car i want is 2k. the dummy car is 500 then with no claims the would be 2k quote becomes 1k saving 500. but might not work out like that lol. Quote Link to comment Share on other sites More sharing options...
Noj Posted October 1, 2014 Share Posted October 1, 2014 If you park on the road, you'll need tax and an mot. Do you have room to keep a small car off the road? If so, buy an old mini or similar, insure third party only, SORN the car (so no tax to pay), sell off any useful parts to go towards the insurance, then, when you're year is up, scrap/sell on what's left and buy the on road car Quote Link to comment Share on other sites More sharing options...
Madmini Posted October 1, 2014 Share Posted October 1, 2014 My car cost Quote Link to comment Share on other sites More sharing options...
TMaxxDave Posted October 3, 2014 Share Posted October 3, 2014 And remember you can't buy a car with tax anymore, so anyone selling with tax is very naughty indeed. Sent from my iPad Air using Tapatalk 1 Quote Link to comment Share on other sites More sharing options...
Thunderwolf Posted October 3, 2014 Share Posted October 3, 2014 And remember you can't buy a car with tax anymore, so anyone selling with tax is very naughty indeed. Sent from my iPad Air using Tapatalk i wouldn't expect many people to know this, atleast not until they come to tax their car as this law only came in 2 days ago. what he says is correct though, since october 1st all tax is done online, tax disks are no longer a requirement, and tax no longer transfers to the new owner when the car is sold, any remaining months are refunded and the new owner must buy their own tax for the vehicle. Madmini's plan will be harder to do because of it, unless you have a driveway or a garage. 1 Quote Link to comment Share on other sites More sharing options...
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