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Author Car insurance, How much is too much?
harrisp
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Registered: 15th Dec 07
Location: Derbyshire
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4th Oct 11 at 20:52   View User's Profile U2U Member Reply With Quote
If you were looking at buying a car you really really wanted how much would you be happy paying for insurance? The car I want will be around £1800 to insure a year fully comp (goes down from £2000 with my missus as a named driver), I can/will be able to afford it but it is a lot of money.
But then I paid that amount to insure a 12v corsa when I first passed


say for example an M3 evolution or similar.
John
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Registered: 30th Jun 03
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4th Oct 11 at 20:54   View User's Profile U2U Member Reply With Quote
As in an E36?

Not in a million years, would have to be a CCX to pay £1800 to insure it.
DanCobb
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Registered: 14th May 11
Location: Lewes/Brighton
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4th Oct 11 at 20:56   View User's Profile U2U Member Reply With Quote
12v corsa is alot different to an m3. Depends how much you want the car
harrisp
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Registered: 15th Dec 07
Location: Derbyshire
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4th Oct 11 at 20:58   View User's Profile U2U Member Reply With Quote
Yes as in an e36.
I am fairly young though, I want the car a lot (nothing certain for a couple of months yet) but insurance is a lot. that is only on comparison sites though not through specialists, but I cant imagine the will be alot cheaper?
Ben G
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Registered: 12th Jan 07
Location: Essex
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4th Oct 11 at 20:59   View User's Profile U2U Member Reply With Quote
i paid £2200 for a focus. madness when i look back.
harrisp
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Registered: 15th Dec 07
Location: Derbyshire
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4th Oct 11 at 21:00   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ben G
i paid £2200 for a focus. madness when i look back.


Was it worth it though?
bigron1988
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Registered: 29th Aug 09
Location: Southport, Merseyside
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4th Oct 11 at 21:03   View User's Profile U2U Member Reply With Quote
i pay £2500 now
big eck
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Registered: 20th Apr 03
Location: Tullibody. Drives - Audi B8 S4 & Fiesta Zetec-S
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4th Oct 11 at 21:04   View User's Profile U2U Member Reply With Quote
The most I ever paid was £1200 (good few years ago now lol) for a ZX 2ltr 16v. By today's standards that's pretty cheap considering I was only 19. Some of the quote I see nowadays for the younger guys and gals are horrendous, nearly £2k for a 1.2 corsa/Clio etc. I've no idea how you afford it at such a young age lol.
big eck
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Registered: 20th Apr 03
Location: Tullibody. Drives - Audi B8 S4 & Fiesta Zetec-S
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4th Oct 11 at 21:05   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Ben G
i paid £2200 for a focus. madness when i look back.


What age were you??? I think that's total nuts lol.
harrisp
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Registered: 15th Dec 07
Location: Derbyshire
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4th Oct 11 at 21:07   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by big eck
The most I ever paid was £1200 (good few years ago now lol) for a ZX 2ltr 16v. By today's standards that's pretty cheap considering I was only 19. Some of the quote I see nowadays for the younger guys and gals are horrendous, nearly £2k for a 1.2 corsa/Clio etc. I've no idea how you afford it at such a young age lol.


I paid £1800 for a 12v when I was 17.
So was thinking £1800 at 21 for a 300bhp+ car isn't too bad
But then I think it is a lot of money and I could get something nice that is a lot let to insure, a 328 is only £800 to insure and a e46 330, £1100

[Edited on 04-10-2011 by harrisp]
Woody
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Registered: 7th Aug 10
Location: Fareham
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4th Oct 11 at 21:12   View User's Profile U2U Member Reply With Quote
i pay 1500 for a 1.3 cdti astra 07 plate fully comp my insurance .. age 18
Graeme
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Registered: 26th Jul 04
Location: Northampton
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4th Oct 11 at 21:20   View Garage View User's Profile U2U Member Reply With Quote
Have you tried adding parents as named drivers?

Normally brings it down a fair amount.

I have never paid more than £900 for car insurance. Always been in my own name, £900 was at 17 for 12v corsa c. Now pay about £350 for 2.2 astra and about £150 for viva. All fully comp.
harrisp
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Registered: 15th Dec 07
Location: Derbyshire
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4th Oct 11 at 21:22   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Graeme
Have you tried adding parents as named drivers?

Normally brings it down a fair amount.

I have never paid more than £900 for car insurance. Always been in my own name, £900 was at 17 for 12v corsa c. Now pay about £350 for 2.2 astra and about £150 for viva. All fully comp.


Yea that is with both my mum and dad as named drivers, mum brings it down about £200 and my dad makes no difference.
daymoon
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Registered: 1st Aug 08
Location: Selby, North Yorkshire
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4th Oct 11 at 21:28   View Garage View User's Profile U2U Member Reply With Quote
Why not get a 323 or 328 to begin with. will be a very capable car and insurance will be cheaper too.
Tiesto
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Registered: 6th Jun 02
Location: Hinckley, Leicestershire
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4th Oct 11 at 21:36   View User's Profile U2U Member Reply With Quote
Most I paid was £1600 on a BMW Z4 a few years ago at 21......I would pay that sort of money again but only for that "special" car, have been contemplating shelling out £1500 on insurance for a Lotus Exige for example.
david clay
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Registered: 12th Aug 11
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4th Oct 11 at 21:40   View User's Profile U2U Member Reply With Quote
i pay 750 a yr full comp 12v corsa b
AndyCorsaSport
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Registered: 12th Feb 06
Location: Horsforth, West Yorkshire
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4th Oct 11 at 21:41   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by daymoon
Why not get a 323 or 328 to begin with. will be a very capable car and insurance will be cheaper too.


If hes looking at M3's he aint gunna want to go for a 323/8

I payed £1900 for my 182, id say was worth it, loved that car!
mattk
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Registered: 27th Feb 06
Location: St. Helens
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4th Oct 11 at 21:43   View User's Profile U2U Member Reply With Quote
Im about to pay £1100 for an X reg 75bh transit van for a year, with 3 NCB, go for it, insurance is a fucking joke either way
gez bay
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Registered: 14th Feb 08
Location: South Wales drives: Vxr
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4th Oct 11 at 21:53   View User's Profile U2U Member Reply With Quote
£3,000 i paid for my 172 for my 19th birthday.

that was an expensive year

[Edited on 04-10-2011 by gez bay]
Sean
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Registered: 14th Sep 10
Location: Eastbourne, BN23 7AZ
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4th Oct 11 at 21:53   View User's Profile U2U Member Reply With Quote
2.3k, 1.2 corsa...
Ian W
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Registered: 8th Nov 03
Location: Wirral, Merseyside
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4th Oct 11 at 21:59   View User's Profile U2U Member Reply With Quote
I was paying about £1800 on my Nova GTE at 18
Adam_B
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Registered: 13th Dec 00
Location: Lancashire
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4th Oct 11 at 22:02   View User's Profile U2U Member Reply With Quote
dont think ive ever paid more than about £800 for car insurance. Genuinely shocks me that people now pay thousands for small engined corsas etc, just the way it is though!
Ian
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Registered: 28th Aug 99
Location: Liverpool
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4th Oct 11 at 22:03   View Garage View User's Profile U2U Member Reply With Quote
Most I ever paid was two months worth of a £2400 policy just before I was 25.

Now when I pay a grand I expect three vehicles not one.

Would probably save the money if I could do it again.
Sean
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Registered: 14th Sep 10
Location: Eastbourne, BN23 7AZ
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4th Oct 11 at 22:05   View User's Profile U2U Member Reply With Quote
my renewal is due next month looking at around £1300 fully comp, also says im able to drive other cars too with owners permission dont know if this is the case for me seeing as im only 18
John
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Registered: 30th Jun 03
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4th Oct 11 at 22:05   View User's Profile U2U Member Reply With Quote
What company is it with?

Very few give you driving other cars under 25 now.

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