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 Posted: Thu Apr 28, 2011 1:37 am |
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Joined: Jan 06, 2011
Posts: 1850
Trade Rating: +8
Location: Wiltshire
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| Seb wrote: |
| nick180 wrote: |
| Who's that with I'm 25 with 7 years no claims and pay £970. |
I think you might be getting shafted mate! I pay £1k for both a TT and a VX220 combined. |
Those were my thoughts exactly..
Although I did my get my 180 when I was 19 because I had some spare cash to splash out on the 2.5k insurance lol
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| Renault Twingo 1.2 GT TCE, AP Coilovers, 25mm Hubcentric Wheel Spacers (Rear), 16" Speedline Turini Alloy Wheels, Renault Sport Cup Spoiler,, BMC F1 Panel Filter, Forge Dump Valve, Front Mounted Intercooler, K-Tec SS Cat-Back Exhaust System, K-Tec Decat Pipe, K-Tec Remap. 136.6 BHP 154.3 lbs/ft. | |
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Posted: Thu Apr 28, 2011 1:42 am |
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Joined: Jan 29, 2011
Posts: 6526
Trade Rating: +10
Location: Westhoughton, Lancashire
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I'd be saving for now. You could get a new car then end up spending loads more on it. Enjoy having the money in your bank. You're only 18, loads of time to spend money on cars. you might decide you want the money for a deposit on a flat or to take a holiday.
Nick, you live in Salford, what do you expect from the insurance. 
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Posted: Thu Apr 28, 2011 1:55 am |
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Joined: Feb 07, 2010
Posts: 1792
Trade Rating: +12
Location: Bridgnorth, Nr Wolverhampton
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you can buy my GTi in a few months when youve saved 
£1300 with premium choice, 19 years old 2 years no claims 
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Posted: Thu Apr 28, 2011 2:02 am |
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Joined: Feb 10, 2010
Posts: 904
Trade Rating: +5
Location: Little hulton (worsley)
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Must be my post code m389dy.
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| Image removed due to size
focus st 3 with pro alloy intercooler, 3" mongoose down pipe, 200 cell sports cat and mongoose cat back, collins bov, dreamscience dsci cold air intake,focus rs injectors,focus rs oil cooler,dreamscience dsci tuneing platform mod X map,focus rs clutch & flywheel, rs fuel pump, polly bushes in wish bones rear axal and suspension white line front and rear arb, eibach pro street s suspension. | |
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Posted: Thu Apr 28, 2011 2:04 am |
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Joined: Feb 07, 2010
Posts: 1792
Trade Rating: +12
Location: Bridgnorth, Nr Wolverhampton
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| nick180 wrote: |
| Must be my post code m389dy. |
you at work now?
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Posted: Thu Apr 28, 2011 2:06 am |
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Joined: Jan 06, 2011
Posts: 1850
Trade Rating: +8
Location: Wiltshire
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| nick180 wrote: |
| Must be my post code m389dy. |
I just got a quote for your postcode.... £2,126.81 do you live in the Bronx or something?
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| Renault Twingo 1.2 GT TCE, AP Coilovers, 25mm Hubcentric Wheel Spacers (Rear), 16" Speedline Turini Alloy Wheels, Renault Sport Cup Spoiler,, BMC F1 Panel Filter, Forge Dump Valve, Front Mounted Intercooler, K-Tec SS Cat-Back Exhaust System, K-Tec Decat Pipe, K-Tec Remap. 136.6 BHP 154.3 lbs/ft. | |
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Posted: Thu Apr 28, 2011 2:11 am |
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Joined: Feb 10, 2010
Posts: 904
Trade Rating: +5
Location: Little hulton (worsley)
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| Kersh wrote: |
| nick180 wrote: |
| Must be my post code m389dy. |
you at work now? |
Yes how do u know that?
Ye the area ain't the best but I live in the quite part lol.
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| Image removed due to size
focus st 3 with pro alloy intercooler, 3" mongoose down pipe, 200 cell sports cat and mongoose cat back, collins bov, dreamscience dsci cold air intake,focus rs injectors,focus rs oil cooler,dreamscience dsci tuneing platform mod X map,focus rs clutch & flywheel, rs fuel pump, polly bushes in wish bones rear axal and suspension white line front and rear arb, eibach pro street s suspension. | |
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Posted: Thu Apr 28, 2011 2:18 am |
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Joined: Feb 07, 2010
Posts: 5575
Trade Rating: +33
Location: Moscow
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To the OP:
Its all well saying you have a job. However, the most blindingly obvious question hasn't been asked. What is your job gonna be paying you? IIRC:
Your a student + a part time job (guessing it's not gonna be anything well paid)+ You won't get very much for your car if it is in the condition you have said. Are you gonna be able to afford a new car and then run it?
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Posted: Thu Apr 28, 2011 2:27 am |
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Joined: Jan 29, 2011
Posts: 6526
Trade Rating: +10
Location: Westhoughton, Lancashire
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| nick180 wrote: |
| Ye the area ain't the best but I live in the quite part lol. |
I'll vouch for that. About 15 mins drive away is the gun crime capital. I'm in the same boat. It's what the insurance perceive as the risk.
It is a good example to young drivers though on how the cost of owning a car can suddenly spiral just from where you live. If I moved half a mile, my premium would drop as I'd be in a different postcode area.
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Posted: Thu Apr 28, 2011 2:42 am |
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Joined: Feb 10, 2010
Posts: 904
Trade Rating: +5
Location: Little hulton (worsley)
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My area is classed as Salford when it's about 15mins away like you said. My area seems posh to me as I work in moss side levenshulme and longsite all day lol.
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| Image removed due to size
focus st 3 with pro alloy intercooler, 3" mongoose down pipe, 200 cell sports cat and mongoose cat back, collins bov, dreamscience dsci cold air intake,focus rs injectors,focus rs oil cooler,dreamscience dsci tuneing platform mod X map,focus rs clutch & flywheel, rs fuel pump, polly bushes in wish bones rear axal and suspension white line front and rear arb, eibach pro street s suspension. | |
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Posted: Thu Apr 28, 2011 2:54 am |
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Joined: Jul 13, 2010
Posts: 1032
Trade Rating: +10
Location: sutton surrey/welwyn garden city
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I wanted to do the same, get a xsi but a deposit on a flat seems like a better idea, my 1.1 gets me from a to b fine although I don't have any mountain roads to climb
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| You never really learn to swear until you learn to drive | |
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Posted: Thu Apr 28, 2011 2:59 am |
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Joined: Feb 07, 2010
Posts: 5575
Trade Rating: +33
Location: Moscow
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| ukskater01 wrote: |
| I wanted to do the same, get a xsi but a deposit on a flat seems like a better idea, my 1.1 gets me from a to b fine although I don't have any mountain roads to climb |
 Someone with common sense!
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Posted: Thu Apr 28, 2011 3:00 am |
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Joined: Feb 10, 2010
Posts: 904
Trade Rating: +5
Location: Little hulton (worsley)
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| ukskater01 wrote: |
| I wanted to do the same, get a xsi but a deposit on a flat seems like a better idea, my 1.1 gets me from a to b fine although I don't have any mountain roads to climb |
That's may way of thinking wanted a Audi s3 or focus rs but rather than blow my savings on that I'm putting it towards a deposit on a house. As my car does what I need it to do and I all so have a company car. There are better ways to spend your money as now is a good time to buy a houses as the prices have droped so much.
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| Image removed due to size
focus st 3 with pro alloy intercooler, 3" mongoose down pipe, 200 cell sports cat and mongoose cat back, collins bov, dreamscience dsci cold air intake,focus rs injectors,focus rs oil cooler,dreamscience dsci tuneing platform mod X map,focus rs clutch & flywheel, rs fuel pump, polly bushes in wish bones rear axal and suspension white line front and rear arb, eibach pro street s suspension. | |
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Posted: Thu Apr 28, 2011 3:56 am |
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Joined: Feb 24, 2010
Posts: 2596
Trade Rating: +17
Location: North West Wales
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| Seb wrote: |
| nick180 wrote: |
| Who's that with I'm 25 with 7 years no claims and pay £970. |
I think you might be getting shafted mate! I pay £1k for both a TT and a VX220 combined.
As for the OP's question: I'd personally wait a bit longer. I stuck with my 206 for 3 years until I bought something I really wanted. It was honestly worth the wait. Only when you can afford to start insuring more expensive cars would I say it's worth starting to chop and change them whenever you wish.
It's unfortunate having to tell younger people they're pretty much stuck with what they have for the first few years of driving, as I know exactly what I was like, but unless your toilet paper is made of bank notes that's normally how it is. You'll be throwing money away otherwise. I vowed I would never pay more than 1.5k per year insurance for whatever I owned and so far that's been stuck to. I think it's mental paying any more than that. It's basically just a weekly fee of £30 just to have the car. Mad! |
I know what you mean but the XSI does fall under the 1.5K bracket on insurance. Like ive said insurance really isnt an issue with it, it's not even £100 more than my 1.4 for the year.
| tomd0801754 wrote: |
To the OP:
Its all well saying you have a job. However, the most blindingly obvious question hasn't been asked. What is your job gonna be paying you? IIRC:
Your a student + a part time job (guessing it's not gonna be anything well paid)+ You won't get very much for your car if it is in the condition you have said. Are you gonna be able to afford a new car and then run it? |
Im on £6.10 an hour at the moment. Got told at my interview that for the first few weeks I would only get around 8 hours a week. This is my first week and by the end of it I will have 37 hours under my belt
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Posted: Fri Apr 29, 2011 5:49 am |
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Joined: Feb 08, 2010
Posts: 1301
Trade Rating: +4
Location: rochdale
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| nick180 wrote: |
| Must be my post code m389dy. |
yeh i remember when i was in a manchester postcode area, the guy said to me its gunna be expensive on postcode alone
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