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Cars + Insurance for 22 year old Student

6 replies
Found 16th Aug 2010
Hi, I'm currently in the process of looking at new cars for myself. I have an 02 plate Peugeot 206, which I've had for 3 years. I'm almost 23. Still a University Student and looking to upgrade! Looking in the £4000-£5000 range with reasonable insurance costs. Currently pay about £450 a year for fully comprehensive insurance with Endsleigh. With 4 years no claims (soon to be 5).
Just would like to get an idea of other people's experiences and cars that would be reasonably affordable.
Thanks.
Damien.

6 Comments

Well as a general rule if you stick to mainstream 'UK' standard cars you tend to get cheaper insurance. Insurers like cars that are average, modest, parts freely available e.g. Fiesta, Focus, Astra... 'foreign' cars tend to start loading up premiums French. Japanese, Italian... and you will load even more when you start adding GTi and 'sports hatch' type risks... they make an assumption you will drive faster and the car will be more attractive to steal. Some cars with good security can reduce premiums.

If you get a quote on say a 2005 Focus or Fiesta, maybe a Zetec 1.6 or TDCi you may well find your insurance goes down.

Presumably poor students aren't poor staudents any more! You are already driving a car newer than many people!

Try Aqoute Insurance Tel: 0800 0923935.

Go into an insurance broker & ask their advice - they will know which cars are the cheapest.

Peugeot's latest offer is 'Just Add Fuel'. You pay a monthly fee dependent upon the car model for three years and in the monthly fee cost you get: 3 years of insurance, servicing, breakdown cover, road tax, waranty and the cost of the brand new car. Im led to believe its a new initiative for youngsters to cut down the cost of driving. There is a minimum requirement age which you might get away with but its just something which might be useful for yourself as a young driver.

peugeot.co.uk/sho…el/

link provides more details hope this helps

Ive just bought a brand new car, and i need to alter my insurance with Endsleigh. My premium was £480 for the year on my old car and they want an extra £75 to insure the new one. The thing is this insurance runs out in mid September, so i dont fancy paying £75 for just 4 weeks. Tesco has given me a quote of £450 fully comprehensive insurance with 4 years no claims bonus, however i wont recieve my fourth years no claims until mid September when my current insurance finishes.

Original Poster

BlackCloud

Well as a general rule if you stick to mainstream 'UK' standard cars you … Well as a general rule if you stick to mainstream 'UK' standard cars you tend to get cheaper insurance. Insurers like cars that are average, modest, parts freely available e.g. Fiesta, Focus, Astra... 'foreign' cars tend to start loading up premiums French. Japanese, Italian... and you will load even more when you start adding GTi and 'sports hatch' type risks... they make an assumption you will drive faster and the car will be more attractive to steal. Some cars with good security can reduce premiums.If you get a quote on say a 2005 Focus or Fiesta, maybe a Zetec 1.6 or TDCi you may well find your insurance goes down.Presumably poor students aren't poor staudents any more! You are already driving a car newer than many people!


Haha. Yeah I do have a very good part time job which helps! For some reason I have my eye on the Citroen C4 VTR (going to be expenners!). Had a Citroen Saxo for my first car, and it was a beauty to drive and sooo cheap to run! Hopefully part exchanging my car will make it even cheaper to get a decent motor.
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