El Cat

im tight
wont ever pay more than £500 for insurance
got a big mortgage
2 cars to run
3 kids
and i get made redundant today!!
OH F.U.C.K

Gear Head

iTrader: (2)

Is that insured in your own name. very surprised if it is!

Aztec Performance Ltd

iTrader: (234)

Paid £3500 insurance with £1000 excess on my Impreza when I first purchased it

Luckily only a fraction of that now

OllyTB

I'm amazed at how much it is for some people, i'm 28, one fault accident, 4 years NCB and i pay just over 600 quid on my WR1!

Jeem

iTrader: (1)

Ive been banned twice and got 3 points, insurance would be to height. Thats why the scoobys a track car, instead of paying insurance pay for mods

tommihayes

I think the point of the young drivers asking for tips on cheap insurance is because it is so damn expensive, you don't get as many people over 25 saying "my insurance is £550, i don't want to pay more than £400" Because its neither here nor there, but the difference between £3200 and £2200 is a big difference yet both prices are still ridiculous!
(I am 22 and pay £177 on norwich union every 4 weeks on short term car insurance)

Tom

escott

iTrader: (1)

That's rough, hope you find something soon.

El Cat

dont mind too much got a £6000 payout and 3 months pay and dont have to go to work plus haveajob lined up withthe same pay thatim down to the last 2 for,so got a 50% chance of getting it and ithas a company car!
that £6000 would by a lot of scooby atthe moment!!!
plus i have my car to trade in!!!
betternot tell the missus tho!!!

Terminator X

iTrader: (7)

What do you expect, it's the "girly" WR1 after all

TX.

DB07P1

mines insured in my name...ith my old man as a named driver....just went with adrian flux this year and even though i have 4 points i still saved £1800 from last year
HAPPY DAYS!!

SuberGlue

Be careful who you insure yourselves with, because it does actually matter what kind of service you get if/when you do have to make a claim! I used to regard car insurance as a mere legal requirement. More recently I've been involved in some non-fault accidents, and having seen how close I came to losing my NCB (through other parties not accepting liability), it certainly pays to go with a reputable insurer who'll fight your corner. Always purchase legal cover too!

Alan-G

42 and just paid a bit more than Lbs/foot Than £ / year.

Pays to be an old codger

scooby.kel

im 23, used to have a mk2 golf lowered 60mm with alloys, had my renewel through which was £600, but i had wanted a subaru for years so decided to do a quote, 3 years no claims, insured in my name £720 and added my boyfriend to the insurance for an extra £80. It had to be done the golf had to go and along came the subaru

Dspeed

Im 25 now, and bought my turbo at 21.

Paid £1300 to insure a metro worth f all at 17.
Impreza 1.6 was £1000ish at 18 £800 at 19. Bit less at 20. All FPFT.
Then the turbo at 21 for £1600 All mods declared, fully comp.
Now down to £850.
Mad money but paid a grand or so since day one so things can only get better.
Money well spent tho, I couldnt survive without driving.

MikeCardiff

iTrader: (2)

For kids living at home with no outgoings its not that hard - if they arent paying much or anything for board & lodging, then a lot of them spend nearly all their money on their cars, probably because they need to get out of the house - living with mummy and daddy in your early twenties when you have a job is pretty sad...

If you had no outgoings for mortgage, bills etc... you could easily have a pretty crap minimum wage job ( lets say take home of £1000 a month or thereabouts ) and afford a cheap Impreza, insurance and petrol if you were prepared to spend most of your wages on it.

Plus with all the easy credit around over the last couple of years, buying the car and sticking the insurance on the credit card makes it pretty tempting.

I think a LOT of them have the cars on their parents insurance though ( which makes you think the parents must be pretty stupid ) as I know kids around 20 years old who are paying as much for little 1.2 and 1.4 cars on their own policy as some of these people claim to be paying for an import Impreza.

At 20 I couldnt even afford the furry dice to go in a car, let alone owning and running one, but then I did have my own flat, and I know which I would prefer to try and get a girl to come back to at the end of the night

chocolate_o_brian

iTrader: (22)

I do kinda agree on your points, but the £1,000 take home a month thing, well, around here is far more than minimum wage. Infact i was only bringling home £300 or so a month more than that after tax on my deceased £22k a year job. Think £700-800 is closer, but if you break it down to Mr/Mrs 19 year old racer living with their parents, its feesable to run a decent car.

say...

£25 a week lodge? (£100 p/m)
£75 p/w car insurance on modded chav chariot (£300 p/m)
£50 p/w petrol (£200 p/m)

Maybe I'm clouded, but thats all the outgoings I could hazard a guess at for some of the younger ones like myself, but who unlike me live with their 'rents.

And thats on proper Maccy D's minimum wage.

But then, to ramble on some more, isn't the minimum wage for under 21's only £4.60 Thats harsh (but more than I'm currently getting)

alloy

Subarus and Evo's are entry level performance vehicles and with the older cars now falling further in value they offer the performance motorist great value for money. Plus demographics are changing and money is now easy to get your hands on if you work hard or on credit.

I Had my MY02 STI aged 20, EVO IX aged 22 and will have my R35 GTR in June next year at will be 24. I think the older generations are looking for more refined driving experience and are probably in the RS4/M3 market

paulcwrx

iTrader: (-1)

I got my first scoob, a classic wrx, when i had just turned 19, was paying 2k on insurance, and that was with some points! Don't get me wrong it took me days on end just constant phoning around to get that quote but try long enough and you'll get it.

I'm now 21, had 3 of them now and i was just under 1k for my99 uk turbo. Just about to get a v3 sti 555 v-ltd in a few weeks, got a quote last night and i'm only 1300 quid fully comp.

Yes all in my own name with the mrs as a named driver (she's 24) and my dad named.

I don't smoke, rarely go out drinking and i don't do drugs. So i save money by not doing those things as a lot of my friends are. Then they are wondering how i can afford a scooby and they can't!

It's an expensive hobby but as some rally driver once said, here for a good time, not for a long time.

scoobaru86

iTrader: (1)

I brought my first WRX 2003 when i was 20 and the insurance was £2,500 but my first car at 17 was a 1.2 corsa N reg and that was £1300 insurance so the £1200 extra for alot more fun was worth it. Now I have Hawkeye WRX and i'm 22 insurance is £1200 and I have my own house with bills but if you want it enough you'll manage especilly after you've had a go in one!

El Cat

yes!! new job after being made redundant!!
company car so can sell this missus to pay for mods!!!!
insurance renwal £349 for a UK turboim 26 missus 34 and made a claim in jan when wrote the last uk turbo off
thinking of getting a late STI classic instead
insurance £500
have a mortgage, mobile phone 3 kids like i said before
just dont drink, dont smoke, dont do drugs, enjoy buying technological things such as gadgets, ps3 sat navs, mods for my car.

SqeekyMclean

No idea how you got insured for a scooby at that age or that cheap.

Who you with?

As your username suggest you had a scooby at 18?

chocolate_o_brian

iTrader: (22)

Agree with your points Andy, but Subaru's are far more common than Evo's unfortunatley, and thus hold their prices better. Also taking into account, I do seem to have recently seen more Evo 4's for sale, fresh imports etc. Does this mean the darkside market could end up flooded as per the Impreza import market did, thus forcing sale prices down of what could end up a similar consequence of the former?

deansscooby

I'm 29 directline online been with them for 8 years insure house with them and life insurence. 9 points 6 speeding none in scoob though, 3 cd10 got robbed by a ******* bent coper. Long story not detailing it.
cd10 in pr-scoob, mods stated fc protected access £250 preams £459 this year 6 of the points come off.
I'm thinking i'm getting a very good deal.