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Fiesta-Si.com • View topic - hmm decisions
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d00ner
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 4:48 pm 
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everyone i know who bought new-ish first/second cars got fed up quickly, as they got NCB and realise they could insure pretty much what they want, but are stuck with it for ages. my advice is stick with what you have... the grass always looks greener, but it soon wears off :)
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Elward
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 5:43 pm 
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probably not going to happen tried for insurance and most companys are coming up with 1k+ wtf :?

2 years no claims on my rattler is £80.80 and group 4 surely a 1.0 eco super duper frendly group 1 should be cheaper

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woodsy_mv6
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 6:05 pm 
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Elward
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 6:11 pm 
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but everyones batting on about how newer cars are cheaper to insure :o :?

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Jam
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 8:18 pm 
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ill be honest. your age and the value of the car wont go in your favour. see if you wank a 300 quid fiesta theyre not really going to be that worried...a 7k car plus whatever else is involved...theyre not going to be best pleased. im not saying youll do it..someone else may do it for you. but the risk factor is there. whilst your driving may be fine there are plenty of wankers out there and the more its worth/insured driver/age/no claims/postcode is all factored in. newer cars may have more security than before so theres less chance of it being pinched but thats just moving with the times. and more safety equipment is basically more of the same. so while they may be harder to steal and you have a higher chance of survival, essentially..theyre just as easy to write off. or if you dont..create a big repair bill.

i never said it was fair i dont think i insured a car as fully comp till i was 22. by which time id been on the road 4 years. because i was running about in crappers clinging to an mot for 12 months then getting another one.
Hope that helps a little dude.
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Ry
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 8:31 pm 
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Echo what Jam's said! ^

Car Value is a huge factor for my insurance quotes. A couple of months before being 24 years old and it's the first time I've ever had Fully Comp insurance! :o

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TANGO
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 8:33 pm 
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you whipper snapper you!!

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happypaul
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 9:06 pm 
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Personally...

I would buy a slightly older car, say 4/5 years old.

Get a small economical deisel, or small petrol. Im sure the insurance wont be too bad.

Also, ive just turned 23, and its the first time Ive ever had Fully Comp! - Only because it was cheaper to insure my shitty cunto fully comp than TPFT :lol: £28 a month FTW

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The Loumiester
 Post subject: Re: hmm decisions
PostPosted: Sat Feb 20, 2010 10:17 pm 
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fully comp was cheaper for me aswell strangely. I think you should stick with what you got, insuance might be cheaper but finance+insurance will be more. Plus i seen how good the bodywork on your car is and it would be a shame to scrap it.
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Elward
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 1:24 am 
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me and the old man sat down and done the sums and it just didnt work out i didnt wanna really get tied down into finance they call options cba to explain but its a vicious circle that keeps going round so im gonna keep the rattler :D

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rob_fiesta
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 10:56 am 
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so the rattler will live :lolz:

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The Loumiester
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 12:20 pm 
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Elward
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 12:57 pm 
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yeah she will live i went out last night in it and tbh i couldnt do it, it might be slow but its got sentimental value.

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rob_fiesta
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 5:26 pm 
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The Loumiester
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 7:24 pm 
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thats what fords are about, sentimental value. No matter what faults they have you just want to fix them and make them better than they where plus they are cheap to maintain ;-)
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Mole259
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 8:48 pm 
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Drop in a bigger block later on and have a sleeper ;)

And tbf i wasn't surprised about the more expensive insurance for reasons already stated

Funny enough my mum has one of the new 1.25 fiestas and its nearly £100 a year cheaper to insure than my diesel which is 4 years old :o

Insurance is a strange world, unfortunately like im sure everyone here found out is you will have trouble with anything when you're young bring on the ripe age of 25 :chill:

Ry is nearly there! :hsugh: :insanity:
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Percy
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 10:22 pm 
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I am 26 and it makes no difference.

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Elward
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 10:55 pm 
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i think ill make my way up the engine ladder probably starting with a 1.6 si lump next year then 2.0 in the next few years was planning to do a 2.0 conversion this summer but the insurance is just rediculous

do you know what makes me sick, if i chucked my old man who is 56 and a self employed advanced driving instructor and put him first name and me 2nd my insurance for the year is...


£250!!!!!

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Percy
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 10:59 pm 
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Have you tried adding him as a secondary driver? I added my dad for a few years early on and it reduced my quote.

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Elward
 Post subject: Re: hmm decisions
PostPosted: Sun Feb 21, 2010 11:02 pm 
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