First car

jimmyjoe951

Hi all,

I'm turning 17 in December and will be buying a car soon. I'm pretty much set on an Audi a4 1.9tdi. I'm going to buy the car in the next two weeks and my dad wants to use it also so he will be getting insured on it straight away and then I can be added on in December . Do you think this will get me a better price? Also what do you think of the a4 ?what should I expect to pay for insurance? Any advice would be great:D

dgt

A4 TDI for a fresh 17 year old? The insurance companies will ride you bareback. Seriously.

If you want something of that stature consider an SDI Golf or Leon. Much cheaper to insure at that age

Viper_JB

Yer..I would advise starting off on a cheap small run about car as a beginner - your first car really should be something that you don't mind a few scratches and bumps on - will probably end in tears otherwise and you'll appreciate a nice car when you do get one but that's just my personal opinion.

Expect at least 2k on insurance either way. AFAIKif you want to be insured on your Dad's policy your Dad will have to be the registered owner of the car and you won't build any no claims in your own name AND if you have an accident he loses his no claims - so there's a bit to consider - if you were saving enough money on the purchase of the car to insure yourself on your own insurance on a smaller car that could be worth considering.

partyatmygaff

Last year when I was 17, I learned to drive on an A4 1.9TDI (With accompanied driver insurance by Aviva). They're great cars but aren't particularly suitable if you're learning how to drive a manual. They're not as forgiving as other cars when it comes to sloppy clutch control.

As for insurance, you're going to find it's almost impossible for a 17 year old on a learner's permit will get insured to drive an A4 1.9TDI. Even third party with a huge excess would probably cost over €5000.

Chavways

The insurer's will slap you silly.

awec

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jimmyjoe951

No my dad will be the main driver so it won't be considered fronting he will
Be driving it the most. I was considering golf tdi as well but thought insurance would be same for a4 as it has pretty much same power except its a bigger safer car. To be honest I will have a budget of around 6 so I don't mind spending around 2500 for car and then around 2000 for insurance and save the rest just in case:) . So do You's think it'll save me a bit if my dad gets insured on it now instead of say a week before I turn 17 and then I get added on?

Browney7

jimmyjoe951 wrote: »

No my dad will be the main driver so it won't be considered fronting he will
Be driving it the most. I was considering golf tdi as well but thought insurance would be same for a4 as it has pretty much same power except its a bigger safer car. To be honest I will have a budget of around 6 so I don't mind spending around 2500 for car and then around 2000 for insurance and save the rest just in case:) . So do You's think it'll save me a bit if my dad gets insured on it now instead of say a week before I turn 17 and then I get added on?

Insurance in your own name at 17 will be massive. Some of the cheaper insurers like no nonsense need you to have at least one years named driver experience.

If I were you and needed badly a car id buy a cheap fiesta/corsa/206 or something. Otherwise id buy a bike.

Youd need an engine size of 1.4 or less to not get rode by the insurance companies. Maybe look into the Aviva ignition course too. Insurance might become slighty cheaper for you in the new year with gender neutral pricing

Also if you get a cheap run around youd only need third party insurance because if you stuck a fiesta in a ditch you wouldnt be claiming because youd be adding a nice chunk onto your next insurance renewal

mgbgt1978

jimmyjoe951 wrote: »

Hi all,

I'm turning 17 in December and will be buying a car soon.

How can it be your Dad's car if you are buying it ????
Just because you put your Dad's name on the log book (VLC) does not make him the legal owner of the car, just the "named" owner.

bazz26

Insurance companies will have limitations on what they will allow inexperienced, young drivers be added as a named driver to, they are not stupid. Also if your father has the policy in his name and you are a named driver and you have an accident while driving then it is your father's No Claims Bonus that gets hit driving his insurance up.

At 17 you should be learning to walk first before trying to run.

awec

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jimmyjoe951

awec wrote: »

For 2500 on an Audi you'll have to buy something roughly 10 years old or more and possibly high mileage.

You could get a much newer car, with much less miles, that'd cost you a lot less to insure and probably a lot less to tax and at the same time be better suited for a new driver for the same money.

What kind of cars would you have in mind for under 3500 ? Keep in mind It has to be diesel:)

antodeco

You also need to be aware that most insurance companies will not insure on anything over 1.8 for certain aged drivers. I remember back I had to wait until I turned 25 before being allowed anything over 1.8

Alanstrainor

antodeco wrote: »

You also need to be aware that most insurance companies will not insure on anything over 1.8 for certain aged drivers. I remember back I had to wait until I turned 25 before being allowed anything over 1.8

A lot of insurance companies will allow larger engined diesels, and insure them as the same as 1.6 petrols. It may not be the same for turbo diesels, but I had no trouble getting insured on 1.9 tdi briefly at 19 with no ncb.

awec

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