Car advice for a new "N" driver

Mr.H

So I am 32 male (will probably be 33 by the time I can afford the motor next month). I have 3 years ncb as a named driver (counts for very little).

I have been on the lookout for a petrol 4/5 door. Either hatchback or saloon. I have been checking used car sites and getting insurance quotes based on what I see. Issue is my quotes are all in the 3k range. Now I have gotten a few realistic quotes around 1k and under. But they are far and few between.

I'm looking for advice on what type of car I should be looking at to get the cheapest insurance.

I'm probably going bot put the other half on the insurance. she has her own and can drive anything anyway but it will bring down my quote.

Any advice would be very grateful.

Henry Ford III

What sort of annual mileage do you cover? Town, country or motorway?

Best value insurance will be something relatively low powered with a small engine and relatively cheap parts.

bazz26

Best thing I would do is take a sample of cars from the likes of donedeal that you think are suitable, and get some insurance quotes on them. That should give you a fair idea which ones are more affordable to insure or not.

biko

As new as possible, and small engine, should get you best insurance quotes.

Mr.H

Thanks everyone. Yea I am obviously new to buying cars but my base filter right now is cars under 1.4 petrol engine. I am looking for something after 2010 and trying to find something with less than 160,000 kms on it (obviously that figure is relative to the year). I am also hoping to spend less than 6k.

One thing I was thinking is, would I be able to get a loan from the bank or credit union and use part of the loan to cover my insurance? As in, if the car costs 6k I could get a loan for 7-8k which would hopefully pay for my insurance over the first year or so.

Just wondering if anyone has done this?

My driving right now is mostly City but occasionally take long distance trips, Limerick to Waterford. I also want something that wouldn't be pushed too hard if I wanted to take a trip to the UK.

I known asking a lot lol.

IrishGrimReaper

Yes you can do that with a credit union loan. But you most likely won't get a loan unless you're saving money into a credit union savings account on a regular basis.

I put 50 a week into my savings for a few months before I could get a loan from them, and I needed a guarantor also.

noel100

My daughter got insurance renewal this morning 2 years ncb 1 of the years as full driver.
141 Corsa 1.2 603euro third party she is 25. With liberty. 780 last year with liberty third party. And 2200 first year with axa on provisional. I'm named on the policy to reduce the price.