First car after passing

[Accbabymom1994]

What was your first car after passing your driving test and what was the insurance? I passed on Thursday and need advice on what to expect on costs?

Renault Clio. 1 litre engine 2020 plate and only done about 17000 miles.

Insurance was £600 first year, actually went up a bit in the second despite no claims but was a lower starting point as I was mid thirties when passed.

I'm glad I wasn't the only one of this thread reading the comment about inevitable bumps and scratches like this😳

OP I agree with the advice to look at insurance groupings. I'd also look at safety ratings.

As long as it's a sensible ish car the type of car is not really the issue it's more the age of the driver, location and occupation. My DS passed his test a few weeks after turning 17 is an apprentice in the motor industry and we live in an undesirable area as far as insurance is concerned so his insurance is £5000 with a black box. Hoping very much it comes down next year.

So hopefully your age will lower it a little but it might not. I'm not sure whether children increase it due to being a distraction or lower it because you should be super careful but who knows insurance companies are a beast of their own.

If you can set the insurance to start in the future by a couple of weeks that brings it down too instead of starting it immediately.

Thanks for the advice everyone x

That's really high

Assuming you are not 17 and male yours should not be as bad.

Hopefully not , I'm a mom and carer to my 5 year old Acc son , I can't afford it , his dad supports us financially but that's too high , that's not something he will be able to pay either

I've just spent the last three months trying to buy a car for my dd. We are looking for a Fiat 500 or a citron c1.

Any My other dd had a smart car as her first car but I think they are all automatic. Not that's there's anything wrong with that but some people don't like them.

Sex isn’t taken into account any longer.

Things to look for when you are on auto trader or at a garage.

Mileage
Number of previous owners
Whether it has a service record
Insurance class

I'm so new to all this , thanks

What was your first car after passing your driving test and what was the insurance?

Not sure how knowing any of that is going to help you any. I mean my first car wasn't being made, and hadn't been made for some years before you were born.

However, follow @PhoneEarHead 's advice on P1.
Once you narrow down the Venn Diagram of which cars are in the lower insurance groups but also meet your needs, then you can start looking what is near you and you can afford.

If you are able to wait a while before looking for quotes, they will go down a bit if you don't apply this week or in the next couple of weeks. Quotes are notoriously high for people who have literally just passed their tests.

Right so this isn't your first run around car at 17/18 so you needs are different. In your case I would be looking at those insurance groups on AutoTrader. I have to say AutoTrader is a brilliant tool for narrowing down by price, by year etc.

You want safe as safe can be because you have children in the car with you and big enough that you can get your children in easily. You need to look for less obvious cars like Kia, Hyundai (same factory pretty much) Toyota and Skoda (it's a VW/Seat underneath) lots of car manufacturers are the same company.

Autotrader will allow you to narrow down by size too, city car, small SUV etc. You are using it as a tool to find cars and then run the plates for actual quotes. CompareTheMarket holds all the details you just keep changing the make and model of the car and the plate, keep running the numbers. Also have a look at https://www.euroncap.com/en to see how safe your car is.

Buying I would go through a dealer but please pay £200 for AA or similar to do an independent mechanical/body check on the car. This is your golden ticket if anything goes wrong with the car. I bought a 2 year old car and had to return it due to a fault they couldn't fix. The fact that the AA also noted the same fault meant I had strong evidence rather than just my word saying there was an issue on the test drive.

Best car I had, Hyundai iX20 (a sportier model than the i20 same as Kia Venga) reliable, never in the garage, had it almost a decade. Brilliant car.

@WhatATimeToBeAlive I'm 100 pc sure age of the car matters as newer cars (more expensive) will have a higher sum protection than an older car whose resale value will be lower.

I've got lower premium for DH's car that's 10 years old and higher for my car that's considerably newer. I am aware that the age is not just the most important criteria but there are loads of factors and risks that actuaries consider before deciding what premiums to charge.

A little tip for when you do find one and need to test drive, if it's private and not a dealer (I think they have test drive insurance) and you go for temp insurance for the test drive - check the small print before you apply - one company refused me because I hadn't held my licence 3 months which was well hidden in the T&C's another company did cover me for 24 hours which was more than I needed for the car I didn't buy, but gave me enough time to get the car I bought home and sort the insurance I'd already lined up to start the next day.

Try and keep it under 1.2l otherwise insurance shoots up and pick something older. Both for insurance purposes and so that he doesn't have a stroke if he reverses into a bollard or something. If you can avoid a black box, I would do as they track EVERYTHING.

@Littletreefrog dd also 17 and an apprentice in the motor industry. Fellow mechanics warned her that her trade would put her insurance up.
We did toy with just putting student as it was cheaper.