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    Mad Insurance Prices

    Well hello there,

    Im 19 years old, I was going to get ready to buy a used Vauxhall Vectra VRX 07 reg with 20k miles on the clock for about £11,000. But for the heck of it I wanted to see how much insurance would cost and I get around the 5k mark. OMGWTFBBQ my dream car for the price gone down the drain. WHY SOOO MUCH?! I'm so frustrated, thats a total rip-off.

    75 Comments

    Are you serious?????

    Original Poster

    zygo;5715680

    Are you serious?????



    Very Serious mate.

    At 19 I was quoted over 4k to be insured on a peugeot 206, 53 reg, everything standard apart from alloys, parked in a garage. (worth 3k)
    My dream car was the new style corsa....insurance was around the 2/3k mark for that....its daft, then they wonder why no1 has insurance!

    Teenage boy....say no more :whistling:

    i would expect that to be honest, a 19yr old in a 11k 200 and odd bhp car, i wouldnt put you at more than 23 miles before you hit a tree lmao

    choc1969;5715697

    Teenage boy....say no more :whistling:



    ^^ what that sensible lady said!! :thumbsup:


    yet we could all have one for about £400

    choc1969;5715697

    Teenage boy....say no more :whistling:



    im female and the car I got quoted 4k for was a 1.1l

    The reason it is so expensive is that you would probably end up upside down in a ditch with some poor tenage girl at the side of you who you were trying to impress,

    [COLOR="Red"]I'm 17, drive a 2004 5Series Beemer and my insurance is £12,000.

    [/COLOR]

    lil_tiger;5715714

    im female and the car I got quoted 4k for was a 1.1l



    all down to statistics unfortunately........insurers like a good credit score too and in yoiur teens you wouldn't have gained that :roll:

    it is a rip off, insured my first car for about £30 lol

    The JFK;5715733

    [COLOR="Red"]I'm 17, drive a 2004 5Series Beemer and my insurance is … [COLOR="Red"]I'm 17, drive a 2004 5Series Beemer and my insurance is £12,000.:)[/COLOR]



    ...yeah :roll:

    Beemer. A common misspelling of the nickname ]bimmer for BMWs.

    :w00t:

    Its a joke

    Go and buy the Vectra 3.0 diesel and spent £200/300 having it chiped to over 200 bhp.
    half the ins quote cos a diesel.

    I just quoted this car as 19 /2 years no claims on drive fully comp.£500.00 exess BR bromley post code £3217.20
    Not bad for fast car

    choc1969;5715736

    all down to statistics unfortunately........insurers like a good credit … all down to statistics unfortunately........insurers like a good credit score too and in yoiur teens you wouldn't have gained that :roll:it is a rip off, insured my first car for about £30 lol



    yeah, for my 21st I was given 5k for a car and 1st year insurance....thought 4k on car, 1k on insurance....how wrong I was!
    Although at one house it was cheaper than at my other one, even though at the cheaper one my car got broke into twice! :roll:
    Just reinforces the point of why bother with insurance...rediculous!

    Original Poster

    Fellow ladies and gentlemen anyone of you got any idea how I can beg for them to reduce it to 1.5k?

    choc1969;5715736

    all down to statistics unfortunately........insurers like a good credit … all down to statistics unfortunately........insurers like a good credit score too and in yoiur teens you wouldn't have gained that :roll:it is a rip off, insured my first car for about £30 lol



    but but but your 21!! :thumbsup:

    PraxxtorCruel;5715758

    Fellow ladies and gentlemen anyone of you got any idea how I can beg for … Fellow ladies and gentlemen anyone of you got any idea how I can beg for them to reduce it to 1.5k?



    have you got a pretty mouth ;-) ?

    foxymissroxy;5715761

    but but but your 21!! :thumbsup:



    it was one with pedals :whistling:

    Hi, my son's insurance at 19 was 1500,but he did not have a big car. He has a micra!!! and his insurance is now half that a year later. He went with Quinn Direct. hope this is some use to you.

    bernyrabbit;5715780

    Hi, my son's insurance at 19 was 1500,but he did not have a big car. He … Hi, my son's insurance at 19 was 1500,but he did not have a big car. He has a micra!!! and his insurance is now half that a year later. He went with Quinn Direct. hope this is some use to you.



    And Welcome :-D

    Original Poster

    tonyg1962;5715730

    The reason it is so expensive is that you would probably end up upside … The reason it is so expensive is that you would probably end up upside down in a ditch with some poor tenage girl at the side of you who you were trying to impress,



    Aww but really Im not that kinda person. Im actually a careful driver, yes I'll admit I get the urge to sometimes race someone at a red traffic light but I swear thats it.

    PraxxtorCruel;5715791

    Aww but really Im not that kinda person. Im actually a careful driver, … Aww but really Im not that kinda person. Im actually a careful driver, yes I'll admit I get the urge to sometimes race someone at a red traffic light but I swear thats it.



    Stop lying to yourself :roll:

    Banned

    mate - thats not mad, its just a fact of life

    Original Poster

    Okay I just changed the insurance cover from comprehensive to 3rd party fire and theft and its gone upto 6k? How does that work?

    PraxxtorCruel;5715758

    Fellow ladies and gentlemen anyone of you got any idea how I can beg for … Fellow ladies and gentlemen anyone of you got any idea how I can beg for them to reduce it to 1.5k?



    I ended up getting my best quote from 'the green insurance company'...run a quote through with them...and also they plant enough trees to offset your emmissions...:whistling: lol

    Original Poster

    bernyrabbit;5715780

    Hi, my son's insurance at 19 was 1500,but he did not have a big car. He … Hi, my son's insurance at 19 was 1500,but he did not have a big car. He has a micra!!! and his insurance is now half that a year later. He went with Quinn Direct. hope this is some use to you.



    Thanks for that, guess I'll have to be a bit more patient *cries*

    Original Poster

    lil_tiger;5715829

    I ended up getting my best quote from 'the green insurance company'...run … I ended up getting my best quote from 'the green insurance company'...run a quote through with them...and also they plant enough trees to offset your emmissions...:whistling: lol



    LOL!!!

    Original Poster

    choc1969;5715764

    have you got a pretty mouth ;-) ?



    Uuh If I did, what is it I could do to get insurance cheaper?

    PraxxtorCruel;5715824

    Okay I just changed the insurance cover from comprehensive to 3rd party … Okay I just changed the insurance cover from comprehensive to 3rd party fire and theft and its gone upto 6k? How does that work?



    The problem with teenagers isnt the value of the car that insurance have to pay out for,Its the pedestrians and passengers that they kill that cost the insurance compnies so much,

    Original Poster

    tonyg1962;5715853

    The problem with teenagers isnt the value of the car that insurance have … The problem with teenagers isnt the value of the car that insurance have to pay out for,Its the pedestrians and passengers that they kill that cost the insurance compnies so much,



    Oh okay, I take it my best option is to opt out of buying a car and wait till I mature abit more?

    markhodges1975;5715702

    i would expect that to be honest, a 19yr old in a 11k 200 and odd bhp … i would expect that to be honest, a 19yr old in a 11k 200 and odd bhp car, i wouldnt put you at more than 23 miles before you hit a tree lmao



    It's not the probability of hitting a tree that pushes up the price - more like a bus queue.

    lil_tiger;5715756

    Just reinforces the point of why bother with insurance...rediculous!



    That's right. Let the rest of us pay instead.
    (They reckon the number of uninsured drivers causing accidents is now costing honest drivers an extra £50 a year each on premiums!)
    :x

    Banned

    Go for a low powered car to get a few years no claims and wait till you're over 25 to get the car of your dreams.

    96 golf 1.4 7yrs no claims £370
    Was £1,200 when i first got it at 19.

    First car was 1.1l fiesta d reg i bought for £75 insurance was £900.
    Was 7yrs ago.

    The JFK;5715733

    [COLOR=red]I'm 17, drive a 2004 5Series Beemer and my insurance is … [COLOR=red]I'm 17, drive a 2004 5Series Beemer and my insurance is £12,000.[/COLOR][COLOR=red] [/COLOR]



    I was fortunate enough to be able to have a Ferrari F40 and insurance at 17...how times have changed.
    http://www.thecarexperience.com/Article/29/img01.jpg

    I think the most shocking thing at your age is the fact that you want to buy a Vectra?

    Get something like a 3 series BM or a cooper s.

    Or you could get your ma or pa to put you on their insurance, but you will have to be a named driver, not main. Up to you but if they find out they wont pay up if all goes wrong. But as you said, you are a careful driver . . .

    The JFK;5715733

    [COLOR="Red"]I'm 17, drive a 2004 5Series Beemer and my insurance is … [COLOR="Red"]I'm 17, drive a 2004 5Series Beemer and my insurance is £12,000.:)[/COLOR]



    if you have such a fab car and great life why you on here every day,get a life,billy

    foxymissroxy;5715710

    yet we could all have one for about £400



    And about £300 for me :whistling:

    Who the hell would want a vectra though....

    try Direct line, Quote for me (im 17) for my 1.25 fiesta is £2300

    The JFK;5715733

    [COLOR="Red"]I'm 17, drive a 2004 5Series Beemer and my insurance is … [COLOR="Red"]I'm 17, drive a 2004 5Series Beemer and my insurance is £12,000.:)[/COLOR]



    but in the real world you drive a yellow nissan sunny and you can't afford the insurance.

    Banned

    Shengis;5716514

    And about £300 for me :whistling:Who the hell would want a vectra … And about £300 for me :whistling:Who the hell would want a vectra though....



    Well its a bigger looking astra. The new ones look quite nice in my opinion. Would rather take a passat than a vectra though.
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