First Insurance for a 20yr old, and a 2.0T car

TechoPL

Hello everyone I'm planning to buy myself a car, it will be my first car and as I'm a motor enthusiast I want something good.

I'm looking for a Volvo s60 2.0T, Mercedes CLK200 Kompressor (1.8), or a BMW 320CD.

Thing is I'm very scared that the insurance for these cars will be much over 2 grand. I was hoping to pay 2 grand, Im 20 full license never been isnured before etc.

Anyone had any similliar situations and know a bit more? Tell me what you think please and thanks!

kona

TechoPL wrote: »

Hello everyone I'm planning to buy myself a car, it will be my first car and as I'm a motor enthusiast I want something good.

I'm looking for a Volvo s60 2.0T, Mercedes CLK200 Kompressor (1.8), or a BMW 320CD.

Thing is I'm very scared that the insurance for these cars will be much over 2 grand. I was hoping to pay 2 grand, Im 20 full license never been isnured before etc.

Anyone had any similliar situations and know a bit more? Tell me what you think please and thanks!

Ring around and don't give up. If you get a quote take it it will be around 2k

Del2005

TechoPL wrote: »

Hello everyone I'm planning to buy myself a car, it will be my first car and as I'm a motor enthusiast I want something good.

I'm looking for a Volvo s60 2.0T, Mercedes CLK200 Kompressor (1.8), or a BMW 320CD.

Thing is I'm very scared that the insurance for these cars will be much over 2 grand. I was hoping to pay 2 grand, Im 20 full license never been isnured before etc.

Anyone had any similliar situations and know a bit more? Tell me what you think please and thanks!

Fairly easy to find out. Stick your details into some online quote sites to get prices, if it comes back to contact them you know it'll be expensive.

kona

Del2005 wrote: »

Fairly easy to find out. Stick your details into some online quote sites to get prices, if it comes back to contact them you know it'll be expensive.

Online won't quote anything over 2l if your under 25, same for jap imports, just asks you to call, and when you do, do it sitting down lol.

TechoPL

So, Kona you're saying that it's possible to get a quote around 2000 max 2400 ?

Greenmachine

There used to be a crowd call xsdirect. Not sure if they are still around, they have lower premiums than others, but if you have an at fault claim, it is your responsibility the pay the first part of the claim from your own resource. IIRC the excess is about €2k

Mycroft H

You are going to get rode sideways for first time insurance on those. 2.5k plus? I can't see the benefit

XS Direct is long gone too. Try liberty

bcmf

Maybe we should start a book to see what's the best the op can get.

I reckon that they won't get below €2,600.

Stheno

bcmf wrote: »

Maybe we should start a book to see what's the best the op can get.

I reckon that they won't get below €2,600.

I'd say it would be nearer 3k
Op what type of licence do you have?

js35

How did ye manage to get a full license if you'd never been insured before?

harrymagina

js35 wrote: »

How did ye manage to get a full license if you'd never been insured before?

Lessons? Some people pick up driving easily.

Alanstrainor

js35 wrote: »

How did ye manage to get a full license if you'd never been insured before?

I was thinking the same. It is.possible that they only got.lessons with an instructor, and did the test in the same car.

OP if you have named driver experience then insurance companies will take this into account, which will reduce your premium.

The e46 is getting trckier to inside of late, but not impossible. Best to ring around and get quotes explain that you don't have a car yet, but are looking for a few quotes on various cars.

Mycroft H

js35 wrote: »

How did ye manage to get a full license if you'd never been insured before?

I was like that. Lessons and a instructors car.

kona

TechoPL wrote: »

So, Kona you're saying that it's possible to get a quote around 2000 max 2400 ?

Shop around and you might get covered with tpft and a large excess.

Don't be surprised if you don't get quoted at all.

TechoPL

It's a joke with those bloody insurance companies... robbing money off people, and there are many 20 yr olds around that have better driving skills than many 30 40 yr olds.....

Carpentry

TechoPL wrote: »

It's a joke with those bloody insurance companies... robbing money off people, and there are many 20 yr olds around that have better driving skills than many 30 40 yr olds.....

Get a Micra for starters, or even better Smart Roadster with Brabus specs, damn fast car comparing to competition

or

Go to the broker and they will find insurance for you.
Axa and Zurich tend to insure young drivers

Tzardine

TechoPL wrote: »

It's a joke with those bloody insurance companies... robbing money off people, and there are many 20 yr olds around that have better driving skills than many 30 40 yr olds.....

Its hardly akin to robbing money.

Your post shows why its more expensive for young drivers. Over-confidence.

A 20 year old in a 2.0L Turbo charged car with no driving experience is a high risk and no matter how much of an amazing driver they think they are and as such can expect to pay a high price.

Carpentry

I'm afraid that Tzardine is right ...

TechoPL

Tzardine wrote: »

Its hardly akin to robbing money.

Your post shows why its more expensive for young drivers. Over-confidence.

A 20 year old in a 2.0L Turbo charged car with no driving experience is a high risk and no matter how much of an amazing driver they think they are and as such can expect to pay a high price.

See I have been driving cars since I was ten in my home country and that was ten years ago plus to that I've finished extra course on car handling in my home country as well, I don't know about you sir but you shouldn't judge anyone before you get to know them.

whats newxt

I had i 1.9TDI and was in a similar position to you payed 1600 approx a few years ago but as far as i know insurance prices are nearly always going up over the last few years just ring every single insurance company some will quote you over 3,000 others more reasonable

TechoPL

Have you all finished some extra courses on driving?

TechoPL

I heard they also look at the brand of the car like VW Audis etc will have a much higher rate as to Saab and Volvo I suppose as more young people drive those VAG machines

Mycroft H

TechoPL wrote: »

See I have been driving cars since I was ten in my home country and that was ten years ago plus to that I've finished extra course on car handling in my home country as well, I don't know about you sir but you shouldn't judge anyone before you get to know them.

That's some attitude there. Try sit some ROSPA advanced driving courses and you'll realise how little you know. It opened my eyes.

Carpentry

TechoPL wrote: »

See I have been driving cars since I was ten in my home country and that was ten years ago plus to that I've finished extra course on car handling in my home country as well, I don't know about you sir but you shouldn't judge anyone before you get to know them.

In which country they allow to drive the car 10 y.o. kids ? Extra courses ? Like driving with instructor that has set of pedals on his side so can brake you or clutch you at any time, I would hardly call an extra course.

That's the overconfidence Tzardine was talking about.

Tzardine

TechoPL wrote: »

See I have been driving cars since I was ten in my home country and that was ten years ago plus to that I've finished extra course on car handling in my home country as well, I don't know about you sir but you shouldn't judge anyone before you get to know them.

Anything other than driving experience on the road does not count I am afraid. Insurance companies dont care how much experience you have driving in a field. Hell, they dont even care if you are the Formula One world champion. Its about proven experience driving a car on the road, accident free.

My point about over - confidence stands.

And insurance companies do have the right to judge people, and in particular groups of people. They are the ones with the statistics and know who is a higher risk.

For what its worth, I am only 30 and I have previously paid 600 euro a month for motorcycle insurance when I was 18.

If you want a nice car / bike and have feck all experience then it is to be expected that you get your wallet out. Its always been that way and rightly so always will be.

TechoPL

I don't see anything to do with aggressive driving or the technical skills about it, all I see is about safety on this course...

I have a motorocycle and I have also been insured on it. Would that lower my premium on a car?

Tzardine

TechoPL wrote: »

Would that lower my premium on a car?

Unfortunately not. And vice-versa. Which is a little silly.

Ludo

TechoPL wrote: »

It's a joke with those bloody insurance companies... robbing money off people, and there are many 20 yr olds around that have better driving skills than many 30 40 yr olds.....

Well it isn't like they just randomly decide to charge young people more. There is a good reason for it. If the stats showed that older drivers cost the insurance companies more, then they would be charged more.

Alanstrainor

TechoPL wrote: »

I heard they also look at the brand of the car like VW Audis etc will have a much higher rate as to Saab and Volvo I suppose as more young people drive those VAG machines

It's all about the risk profile of the car. If there's been a lot of claims for 320CD models, then the risk profile goes up, and so does the premium come renewal.

TechoPL

Look I dont know about Ireland if you do have such courses on aggressive driving. And trust me I don't care. I know my abilities behind the wheel. I am not getting a bloody 400bhp machine. I have driven thousands and thousands of unproven KM. I'm a motorcyclist as well. And I am not 'over-confidence' but I don't feel like driving a 1.3 starlet now

Carpentry

TechoPL wrote: »

Look I dont know about Ireland if you do have such courses on aggressive driving. And trust me I don't care. I know my abilities behind the wheel. I am not getting a bloody 400bhp machine. I have driven thousands and thousands of unproven KM. I'm a motorcyclist as well. And I am not 'over-confidence' but I don't feel like driving a 1.3 starlet now

Buy big-engine car and pay huge amount of money on the insurance, solved.
will go down after first year a bit and so on.

TechoPL

Tzardine wrote: »

Unfortunately not. And vice-versa. Which is a little silly.

what you mean by vice-versa?

TechoPL

Carpentry wrote: »

Buy big-engine car and pay huge amount of money on the insurance, solved.
will go down after first year a bit and so on.

And this is what I want to do. All Im asking here is if Ill keep it in the 2500 mark.

And I don't see a reason judging my driving skills on a damn forum.

Tzardine

TechoPL wrote: »

what you mean by vice-versa?

It means " And they other way around".

So i was saying hat car insurance wont be cheaper for having bike experience and that bike insurance is not cheaper if you have car experience if that makes sense.

Edit - Nobody is judging your skills personally. We are talking in general terms.

Carpentry

TechoPL wrote: »

And this is what I want to do. All Im asking here is if Ill keep it in the 2500 mark.

And I don't see a reason judging my driving skills on a damn forum.

How many kilometers have you actually driven in a day-to-day traffic so far ?

I do about 15k per year. That's some experience.

Mike.Coughlan

I'm in the same boat.. I ended up finding a great deal on a 2003 Cherokee (One of my favourite jeeps) and bar one or two most insurance companies wouldn't even give me a quote, Those that did were absolutely daft prices.

20 year old male, living just outside Cork City. Full license for a year.. been driving under my parents since I was 17.. no claims.

Sofiztikated

TechoPL wrote: »

Look I dont know about Ireland if you do have such courses on aggressive driving. And trust me I don't care. I know my abilities behind the wheel. I am not getting a bloody 400bhp machine. I have driven thousands and thousands of unproven KM. I'm a motorcyclist as well. And I am not 'over-confidence' but I don't feel like driving a 1.3 starlet now

That's your problem. Unproven. Anyone can say "Oh, I've driven a bazillion miles, etc etc"

Without a no claims bonus, it's just words. Expect to pay hefty for a 2.0L engine at 18. Christ, expect to pay hefty for most cars at 18.

Like it or not, 18-24 is a high risk group. You are at the start of that high risk group.

Foxhole Norman

If you have your licence 3 years or more you can get insured on most cars, a 2.5 5 Series is around €1300 for me at 20.

Nody

TechoPL wrote: »

Look I dont know about Ireland if you do have such courses on aggressive driving. And trust me I don't care. I know my abilities behind the wheel. I am not getting a bloody 400bhp machine. I have driven thousands and thousands of unproven KM. I'm a motorcyclist as well. And I am not 'over-confidence' but I don't feel like driving a 1.3 starlet now

Well I can tell you someone else who don't care; the insurance company. Hence expect to be raked over hot coal and rammed with a rod in private places if you're not willing to play the game according to their rules because they hold all the cards here.

TechoPL

Carpentry wrote: »

How many kilometers have you actually driven in a day-to-day traffic so far ?

I do about 15k per year. That's some experience.

15k KM is not much a year. IF I was spposed to drive to college myself everyday and back I would do much more than that

I won't tell you how many km I drive in what kind of car and if Im insured on it or not.

Tzardine

TechoPL wrote: »

15k KM is not much a year. IF I was spposed to drive to college myself everyday and back I would do much more than that

I won't tell you how many km I drive in what kind of car and if Im insured on it or not.

And on that note I will bow out.

Carpentry

TechoPL wrote: »

15k KM is not much a year. IF I was spposed to drive to college myself everyday and back I would do much more than that

I won't tell you how many km I drive in what kind of car and if Im insured on it or not.

I don't need your personal details man, I'm just trying to make a point to you.
We all were in the same position as you are, get over it.

15000km / 365 days in a year its 40km a day which is not bad.

TechoPL

Sofiztikated wrote: »

That's your problem. Unproven. Anyone can say "Oh, I've driven a bazillion miles, etc etc"

Without a no claims bonus, it's just words. Expect to pay hefty for a 2.0L engine at 18. Christ, expect to pay hefty for most cars at 18.

Like it or not, 18-24 is a high risk group. You are at the start of that high risk group.

I know that but see my point of view, no other country in Europe has so high insurance premium as Ireland and UK (as far as I know)

That's why I believe insurance companies are robbing money.

How the hell is it fair paying double the price of the damn car for insurance per year?!?!?!

and that's what I don't like, their (statistics) because some stupid boy racers didn't know if they could take that corner fast enough....

H3llR4iser

TechoPL wrote: »

See I have been driving cars since I was ten in my home country and that was ten years ago plus to that I've finished extra course on car handling in my home country as well, I don't know about you sir but you shouldn't judge anyone before you get to know them.

Unfortunately it doesn't matter in the least. See I got my full license at 18 and 1 month in Italy; I did the safe driving course with Alfa Romeo in Italy, I took part into what can only be described as an "handling contest" when I was 24 and classified 16th out of 650; On top of that I was briefly qualified as a driving instructor before I left Italy. The last car I drove there was an Alfa 155 2.0 TS Super.

When I subscribed my first insurance here in Ireland, I had to get a 1.4 Megane - and even with that and at 32, it was extremely difficult to find any company or broker that didn't flat out refuse to quote me, and ended up having to fork out 1200 Euro. Simple fact is, they don't know you and assume you're the worst possible risk.

Tzardine wrote: »

Anything other than driving experience on the road does not count I am afraid. Insurance companies dont care how much experience you have driving in a field. Hell, they dont even care if you are the Formula One world champion. Its about proven experience driving a car on the road, accident free.

Not strictly related but funny nonetheless, Jenson Button was refused a car rental in Melbourne in 2000, as he was not yet 21...

TechoPL

Carpentry wrote: »

I don't need your personal details man, I'm just trying to make a point to you.
We all were in the same position as you are, get over it.

15000km / 365 days in a year its 40km a day which is not bad.

I understand that Ive spoken to maaany experienced drivers that do drifting and they all told me same bloody thing... experience is king.. but that why I did this extra course to know how to handle a car in 'bad' situations

twinytwo

TechoPL wrote: »

Look I dont know about Ireland if you do have such courses on aggressive driving. And trust me I don't care. I know my abilities behind the wheel. I am not getting a bloody 400bhp machine. I have driven thousands and thousands of unproven KM. I'm a motorcyclist as well. And I am not 'over-confidence' but I don't feel like driving a 1.3 starlet now

Thats your problem right there.... there is a big difference between people who think they can drive well and people who can actually drive well.

Like I must ask why you feel the need for your first car to be a 2L T... frankly there should be laws against this.

TechoPL

H3llR4iser wrote: »

Unfortunately it doesn't matter in the least. See I got my full license at 18 and 1 month in Italy; I did the safe driving course with Alfa Romeo in Italy, I took part into what can only be described as an "handling contest" when I was 24 and classified 16th out of 650; On top of that I was briefly qualified as a driving instructor before I left Italy. The last car I drove there was an Alfa 155 2.0 TS Super.

When I subscribed my first insurance here in Ireland, I had to get a 1.4 Megane - and even with that and at 32, it was extremely difficult to find any company or broker that didn't flat out refuse to quote me, and ended up having to fork out 1200 Euro. Simple fact is, they don't know you and assume you're the worst possible risk.



Not strictly related but funny nonetheless, Jenson Button was refused a car rental in Melbourne in 2000, as he was not yet 21...

so at 32 you had to pay 1200 for a 1.4 Megane after all those achievments? :O

H3llR4iser

TechoPL wrote: »

I know that but see my point of view, no other country in Europe has so high insurance premium as Ireland and UK (as far as I know)

Italy. Most of my friends down there, same age as me (34) and same driving experience (roughly 16 years), with no claims ever in their lives pay north of 1000 Euro to insure a 1.3 diesel Corsa or Panda.

I pay around 500 for a 1.9 petrol Alfa 159, with only 2 years NCB.

I agree that the system here has a lot of "money milking" characteristics, from the fact foreign drivers pay more (you'll probably be quoted double the premium of somebody holding an Irish license) to the fact that if you have two cars the NCB is separate, but it's not the most expensive once you have a little bonus built up.

Carpentry

TechoPL wrote: »

I understand that Ive spoken to maaany experienced drivers that do drifting and they all told me same bloody thing... experience is king.. but that why I did this extra course to know how to handle a car in 'bad' situations

There is so many idiots, mammys, taxi-drivers, bus-drivers, L-plates, N-plates, grannies that no course will save your life or help you to deal with them, just plain hours in the traffic.

TechoPL

twinytwo wrote: »

Thats your problem right there.... there is a big difference between people who think they can drive well and people who can actually drive well.

Like I must ask why you feel the need for your first car to be a 2L T... frankly there should be laws against this.

It sounds strange to you.. First car... big engine... fine power..

But I did drive many diffrent cars I want a 2.0T because I know I could put a bit of heart under the bonnet could actually do something with it. As I said I am a motor enthusiast and I don't want a simple golf outside my door which would be used to get from point A to point B.

Why, do you see a problem in me getting a 2.0t?

TechoPL

Carpentry wrote: »

There is so many idiots, mammys, taxi-drivers, bus-drivers, L-plates, N-plates, grannies that no course will save your life or help you to deal with them, just plain hours in the traffic.

I know that... and I agree sometimes no course will help or millions of KM experienced too.

But see I am trying to make two groups, those idiots and people that actually do have something inside their heads..