Good price for a 19 year old to start driving?

Mccabe96

The car is 2,950, a 2007 fiat punto 1.2 like brand new, 2,888 for insurance. So €5838, is this a good price for a young person to start of with?

Mycroft H

Don't forget Tax, maintenance and petrol.

Mccabe96

Mycroft H wrote: »

Don't forget Tax, maintenance and petrol.

Taxed for the year.

cml387

Handsome car I always thought. I drove one of that year in Italy and quite liked it.

Provided you've done the usual checks, go for it. Feck it you're only young once.

Mycroft H

Well to be honest, you could do it cheaper. Not by much. A little Micra could be bought for half the Clio and will be cheaper to run.

It's all down to whether you can afford it.

And don't be conservative for your estimates for maintenance.

selectamatic

Surely a €500-800 k11 micra can be insured for €3k or less?

Mccabe96

selectamatic wrote: »

Surely a €500-800 k11 micra can be insured for €3k or less?

I went with Boxymo , it was cheaper for me to insure a 1.4 Ford Focus than a 1.2 fiat punto believe it or not, it was 2542 for the focus for some strange reason!!

cml387

Maybe 2500, but if it's low mileage it could go higher.

Funnily enough I was canny enough with my first car and bought my bosses old Mk 1 Fiesta, and I still wish I had it.I sold it for more than I paid for it after 3 years.

My second car was the problem.:o

selectamatic

Mccabe96 wrote: »

I went with Boxymo , it was cheaper for me to insure a 1.4 Ford Focus than a 1.2 fiat punto believe it or not, it was 2542 for the focus for some strange reason!!

Any luck with liberty? they're not too bad with older cars

colm_mcm

Whatever car you get, make sure it has ABS.

Mccabe96

selectamatic wrote: »

Any luck with liberty? they're not too bad with older cars

They'd only give a quote with my parents as main driver, wouldn't give me a quote for myself as main driver unfortunately.

cml387

colm_mcm wrote: »

Whatever car you get, make sure it has ABS.

I.E. any car sold in the EU since 2004

Mccabe96

colm_mcm wrote: »

Whatever car you get, make sure it has ABS.

It has ABS.

colm_mcm

cml387 wrote: »

I.E. any car sold in the EU since 2004

You'd think that, but long ago I traded in an Almera a few years newer than that which didn't have it.

I'm not saying an 07 Punto wouldn't have it, but it's not clear whether the OP has actually settled on that particular car.
Given from the last thread that the OP will be doing fair mileage unaccompanied in this from the start, having a car with ABS is essential IMO.

callaway92

Jesus, I'm actually balking at those numbers!!

Is it essential you have a car now? That is some money to be paying for insurance.

Mycroft H

colm_mcm wrote: »

You'd think that, but long ago I traded in an Almera a few years newer than that which didn't have it.

I'm not saying an 07 Punto wouldn't have it, but it's not clear whether the OP has actually settled on that particular car.
Given from the last thread that the OP will be doing fair mileage unaccompanied in this from the start, having a car with ABS is essential IMO.

Few Focuses around that age that didn't have it.

Jesus.

callaway92 wrote: »

Jesus, I'm actually balking at those numbers!!

You of little faith

cml387

I think the mistake the OP made in the beginning was describing his financial circumstances.

Let he who has not spent an inordinate amount of money on golf/gadgets/coke/hookers/following Manchester Utd. cast the first stone.

Jesus.

cml387 wrote: »

Let he who has not spent an inordinate amount of money on golf/gadgets/coke/hookers/following Manchester Utd. cast the first stone.

Couldn't have put it better meself

Mccabe96

callaway92 wrote: »

Jesus, I'm actually balking at those numbers!!

Is it essential you have a car now? That is some money to be paying for insurance.

7,000. And only have to pay back €32 a week but I opted to pay 45 back a week and €5 in my shares so only €50 a week.

Ded_Zebra

cml387 wrote: »

I.E. any car sold in the EU since 2004

Not at all. Still perfectly legal to make and sell cars in Europe without abs.

CiniO

Ded_Zebra wrote: »

Not at all. Still perfectly legal to make and sell cars in Europe without abs.

I'm pretty sure there was EU directive making ABS obligatory on all cars first sold from 2004.

Doesn't mean you can not disable it if you try hard, but I haven't seen any car after 2003 without it...

Ded_Zebra

CiniO wrote: »

I'm pretty sure there was EU directive making ABS obligatory on all cars first sold from 2004.

Doesn't mean you can not disable it if you try hard, but I haven't seen any car after 2003 without it...

It's mandatory for certain categories of vehicles but I'm almost sure it's not on M1 (passenger cars) vehicles. If you can find what directive that is I would be interested.

ironclaw

Ded_Zebra wrote: »

It's mandatory for certain categories of vehicles but I'm almost sure it's not on M1 (passenger cars) vehicles. If you can find what directive that is I would be interested.

There are cars that don't have it namely track cars, the VX220 springs to mind.

Pulsating Star

ironclaw wrote: »

There are cars that don't have it namely track cars, the VX220 springs to mind.

I know what you mean ,early Elise's didn't for example, but the VX220's do have ABS as standard. People who track them often fit kill switches though.

Gatling

Mccabe96 wrote: »

7,000. And only have to pay back €32 a week but I opted to pay 45 back a week and €5 in my shares so only €50 a week.

€7000 for what € 500 in saving on your first loan from the credit union after only 4 weeks membership done very well there

The Sidewards Man

What is the big hard on for abs Colm?

callaway92

callaway92 wrote: »

Jesus, I'm actually balking at those numbers!!

Is it essential you have a car now? That is some money to be paying for insurance.

The sooner you start the sooner the prices come down, it won't be much or any cheaper when he gets older.

Driving is an essential for anyone, far too many people not learning to drive nowadays and it's going to bite them badly down the line.

CiniO

Nico Weak Handball wrote: »

far too many people not learning to drive nowadays and it's going to bite them badly down the line.

They don't because driving especially at the beginning and especially for young people is way too expensive here in Ireland so those people just can't afford it.

It's bizzare that in Ireland, which has one of the highest level of living in the world, one of the highest GDP per capita, affording a car at young age is not available for so many.

And it's bad, as no one makes better drivers than those who started driving as early as possible. The younger the person starts to drive, the better driver usually he/she becomes.

Jesus.

CiniO wrote: »

They don't because driving especially at the beginning and especially for young people is way too expensive here in Ireland so those people just can't afford it. It's bizzare that in Ireland, which has one of the highest level of living in the world, one of the highest GDP per capita, affording a car at young age is not available for so many. And it's bad, as no one makes better drivers than those who started driving as early as possible. The younger the person starts to drive, the better driver usually he/she becomes.

You're right Cinio. But the most grotesque thing of all is older drivers who were never subjected to such sh1t, clammering for harsher and harsher measures to be brought to bear on those young folk who are starting out. Its like "I'm up in the Tree House now and I'm gonna pull the ladder up after me and scold you all".

I had a young American living with me recently. She's living here now and has a full US licence and cannot believe the rigmarole you have to go through over here to get on the road. I have to say I totally agree with her.

Never underestimate the potential for Rackets dressed up as something positive in our little Banana Republic.

zarquon

Jesus. wrote: »

You're right Cinio. But the most grotesque thing of all is older drivers who were never subjected to such sh1t, clammering for harsher and harsher measures to be brought to bear on those young folk who are starting out. Its like "I'm up in the Tree House now and I'm gonna pull the ladder up after me and scold you all".

I had a young American living with me recently. She's living here now and has a full US licence and cannot believe the rigmarole you have to go through over here to get on the road. I have to say I totally agree with her.

Never underestimate the potential for Rackets dressed up as something positive in our little Banana Republic.

Yeah, it's outrageous they make people do lessons now. In the gold old days one didn't have to have any lessons and the standard of driving from legacy qualified drivers is top notch - that is as long as they don't go near motorways, junctions, roundabouts or have to change lanes :rolleyes:

I recently had an obnoxious young unnaccompanied learner driver who thought he was Michael Schumacher plow into me and he was outraged that i was the bad driver. Within a few hours of the claim being submitted his insurer took full liability as the circumstances and garda report clearly showed him to be at fault. Insurance premiums are high because their is a higher statistical risk of claims against them.

I also happen to know a young learner driver who is still in the midst of his mandatory lessons and yet despite only having single digit hours of driving experience, he reckons is now an excellent driver and that the test will be a breeze for him.

Plenty of young drivers are overly confident with poor experience and limited ability. It is a dangerous combination that creates risk and thus increased cost.

Jesus.

zarquon wrote: »

Yeah, it's outrageous they make people do lessons now. In the gold old days one didn't have to have any lessons and the standard of driving from legacy qualified drivers is top notch - that is as long as they don't go near motorways, junctions, roundabouts or have to change lanes :rolleyes:

Were you made to take lessons?

Are you from the good old days?

CiniO

zarquon wrote: »

Yeah, it's outrageous they make people do lessons now. In the gold old days one didn't have to have any lessons and the standard of driving from legacy qualified drivers is top notch - that is as long as they don't go near motorways, junctions, roundabouts or have to change lanes :rolleyes:

I recently had an obnoxious young unnaccompanied learner driver who thought he was Michael Schumacher plow into me and he was outraged that i was the bad driver. Within a few hours of the claim being submitted his insurer took full liability as the circumstances and garda report clearly showed him to be at fault. Insurance premiums are high because their is a higher statistical risk of claims against them.

I also happen to know a young learner driver who is still in the midst of his mandatory lessons and yet despite only having single digit hours of driving experience, he reckons is now an excellent driver and that the test will be a breeze for him.

Plenty of young drivers are overly confident with poor experience and limited ability. It is a dangerous combination that creates risk and thus increased cost.

So why the difference in insurance cost for young drivers vs older drivers with more experience is not so big in other countries?

zarquon

CiniO wrote: »

So why the difference in insurance cost for young drivers vs older drivers with more experience is not so big in other countries?

It's primarily due to a liquidity issue in the Irish insurance market caused by undersold premium costs during the very competitive boom times in order to grab market share.

The misperformance of insurers has left a liquidity delta which now needs to be offset by higher premiums and this affects all drivers especially those who are in statistically higher risk groups than others.

DakarVert

2 and a half years ago, Me 19 and a Provisional.

2000 VW Golf MK IV - €700
NCT - €55
Tax - €385
Insurance €1300. (My own policy)

So €2,440 + fuel for a years driving.


The best bit? I sold the Golf after 2 years for €1300. (Taking repairs into account, Battery/Brakes and another NCT) I made €300 on it.


Now that's bargain motoring!. :cool:

Jesus.

DakarVert wrote: »

2 and a half years ago, Me 19 and a Provisional. 2000 VW Golf MK IV - €700NCT - €55
Tax - €385Insurance €1300. (My own policy)So €2,440 + fuel for a years driving. The best bit? I sold the Golf after 2 years for €1300. (Taking repairs into account, Battery/Brakes and another NCT) I made €300 on it. Now that's bargain motoring!. :cool:

In an Irish sense yes it is