View Full Version : New car
PaulRotheram
06-12-2007, 07:43 PM
Abit off topic to the R/C theme of this forum.. but hey ho i'm going to ask :)
I'm looking in to financeing a new car, has anyone seen any good deals about? I went to a vauxhall dealership earlier and took a look at the new Corsa Club/Breeze(added a/c).
apparently they can take my old car off my hands for 1k, and i'm entitled to an added 'partner' benefit which gives me 10% off the overall price too.
Ideally i'm looking for a free insurance deal, the one i looked at was 9k with free insurance for a year, full warrenty and a few goodies chucked in. I'm aiming to renew the car for a couple of years to gain more no claims and years on my licence as my current insurance is a complete joke, and i'm quite frankly strained with the bill!
I'm just browsing, but ideally i need a new car in january before my current policy needs renewing. I need some new ideas and places to look. Can any one offer some advice, or show me some good deals?
rcracer
06-12-2007, 07:50 PM
i know when evans halshaw took over dixons vauxhall in hull they knocked £2000 off the new vectra so might be worth checking them out..
go to the auctions or a fleat outlet seller and save yourself half the price and own the ar.
PaulRotheram
06-12-2007, 08:12 PM
youve missed the point.. I literally can't as the insurance costs so much. i currently pay 2.5k just for the joy of saving my self.. the car is barely covvered (2.5k on THIRD PARTY ONLY!!!!)
The idea of going finance + free insurance is to gain extra no claims and experience to then pay for a car later on and have cheap insurance.
strobe
06-12-2007, 08:17 PM
Go round all your dealerships and play one of against the other. Say they will give you this and that and see if they can better the deal.
What sort of car are you after.
Zipper
06-12-2007, 08:25 PM
youve missed the point.. I literally can't as the insurance costs so much. i currently pay 2.5k just for the joy of saving my self.. the car is barely covvered (2.5k on THIRD PARTY ONLY!!!!)
The idea of going finance + free insurance is to gain extra no claims and experience to then pay for a car later on and have cheap insurance.
I work for Hero Insurance Services... why on earth is your car insurance costing you so much? If you have convictions, then you wont qualify for the free insurance that comes with new cars anyway.
Zipper
06-12-2007, 08:27 PM
Oh... just seen your age in your profile! Now I now why it's so much! :o
telboy
06-12-2007, 08:29 PM
isn't car insurance CRAP!
2.5k thats utter, utter bullocks!
theres loads of doddering old dears out there that can't see for toffee, causes more accidents than you and they'll pay about £34 a year for a Jag or a mahoosive Range Rover!!!!!:mad:
Then they wonder why youngsters drive around without insurance when all they'll have to pay when caught is about £400.
But other than that, sorry Paul i can't think of anywhere that are doing good deals at the mo'.:rolleyes:
PaulRotheram
06-12-2007, 08:30 PM
Go round all your dealerships and play one of against the other. Say they will give you this and that and see if they can better the deal.
What sort of car are you after.
I'm open to advice on cars.. but at the moment im set on the new 57 plate corsas, and the fiesta zetecs. i'm going to try pop to VW,renault and fiat to see what they have on offer.
PaulRotheram
06-12-2007, 08:32 PM
I work for Hero Insurance Services... why on earth is your car insurance costing you so much? If you have convictions, then you wont qualify for the free insurance that comes with new cars anyway.
SCUM! haha joke!
No i've no convictions, 100% clean licence but my age and the fact i live in Liverpool helps nothing.
Insurance has been the worst thing for me to sort out, utterly pathetic quotes (i remember being quoted for 9k on an old fiesta when i first started driving..!) and like Terry says, i'm not likely to cause as many accidents as old togers can, or infact alot of 'seasoned' drivers.
Chrislong
06-12-2007, 08:35 PM
I did the same as you Paul on a Ford Ka. I know I wasn't a new driver when i bought it, but id spent a few years on my dads policy so had to do something so I could start to get somewhere towards owning a faster car, like I have now.
I went to Gordon Ford in Bolton, got something like £800 off the screen price, it was 0% APR over 12 months, and came with 12 months free insurance on an accelerated bonus scheme (2yrs ncd). I could have actually paid cash for it, but I may aswell earn interest seeing as it was 0% apr.... and paying cash would mean, no free insurance, no breakdown cover etc.
So when I paid it off, I insured and kept it for another 12months... but as I was on the mailing list for Gordons I got a letter from them, offering a big discount on the Fiesta Zetec AC, which I love, so I went for a drive and again it came with free insurance, low apr, and they offered me above market value for the Ka - so I then had the Fiesta.. paid off the finance over the phone shortly after and avoided the APR etc..
When the free insurance ran out, I kept it for another 12month, although Ford insure had it down as a 1.6 and tried to charge be a hefty premium, so I went elsewhere (Direct Line) and got a good price.
So yeah, whilst I agree with DCM that its better to own a car, I disagree with experience of it being cheaper to finance and loose out on depreciation than to pay inflated insurance premiums, just to do it as a stepping stone to getting cheap insurance.
Now I can insure, I am only looking at used cars.... and seeing as I can get a bit of deal (in the trade, auction experience, done a bit of buying/selling with dad), I tend to change cars before the value has depreciated much below what I have paid for them..... although I bucked my trend with my current car by buying it from a trader (cash), but it was by far the best example of the model I wanted I had seen (and id viewed many).
So, Paul, are you picky about it being a Corsa, or just the best deal on a small hatch?
Chris
Zipper
06-12-2007, 08:35 PM
SCUM! haha joke!
No i've no convictions, 100% clean licence but my age and the fact i live in Liverpool helps nothing.
Insurance has been the worst thing for me to sort out, utterly pathetic quotes (i remember being quoted for 9k on an old fiesta when i first started driving..!) and like Terry says, i'm not likely to cause as many accidents as old togers can, or infact alot of 'seasoned' drivers.
You have your own insurance at the moment? If so, then with a years claim free driving you will pay no where near what you paid last year. How long have you had your licence?
remember paul, if you go on a lease deal, then there are a lot of clauses in the policy for it's return value, mileage etc etc, also, they normaly make you hav the car serviced at the dealer etc etc, and if your mileage is high, can be costly. Thats why I suggest 2nd hand Paul.
After the first year, you should also be able to negotiate a far better insurance deal to. And to think, I complained to NU over £450 fully comp
Chrislong
06-12-2007, 08:40 PM
remember paul, if you go on a lease deal, then there are a lot of clauses in the policy for it's return value, mileage etc etc, also, they normaly make you hav the car serviced at the dealer etc etc, and if your mileage is high, can be costly. Thats why I suggest 2nd hand Paul.
Lease deals don't normally come with free insurance, not that I have seen anyway.
its normally the deals - finance to own - which come with insurance, then there are no clauses except for limited mileage on insurance sometimes.
strobe
06-12-2007, 08:40 PM
Take a look at the Seat and Skoda Range. (Look at them as the poorer mans VW) Seat are doing free insurance and 0% finance on there range of cars.
I didn't realise that Chris, not being in the position to even think about that.... imagine the price of a new MPV...
PaulRotheram
06-12-2007, 08:46 PM
You have your own insurance at the moment? If so, then with a years claim free driving you will pay no where near what you paid last year. How long have you had your licence?
Yep ive my own insurance, and had quotes for next years price.. and it still wasnt a pretty sight at around 1900.. cheaper - but still not good enough, even with a years extra no claims, and on my licance.. ive been driving for over a year and a half.
I'm not fussed on wether it is the corsa or not chris, it's just something i viewed today and fancied the look of it. I'm open to anything at the moment.
Chrislong
06-12-2007, 08:57 PM
I didn't realise that Chris, not being in the position to even think about that.... imagine the price of a new MPV...
LOL - "lowdsa-munay!"
Zipper
06-12-2007, 09:01 PM
Yep ive my own insurance, and had quotes for next years price.. and it still wasnt a pretty sight at around 1900.. cheaper - but still not good enough, even with a years extra no claims, and on my licance.. ive been driving for over a year and a half.
I'm not fussed on wether it is the corsa or not chris, it's just something i viewed today and fancied the look of it. I'm open to anything at the moment.
What car you got? For a 19yr old in a high rated Liverpool postcode for something like a Fiesta with 1yr ncb I would expect about £1100.. maybe less. This would be around £110 a month, so the free insurance may seem a good idea for the 1st year but then you would have to pay the cost of the finance + another £90-£100 a month for the insurance the following year.
WHITTLER555
06-12-2007, 09:03 PM
Paul, just try this for me, i am curious to see how it compares for a young driver.
Google search the word - TILSUN.
Then go on their insurance link to a company with the initials LL.
Tell me if it is cheaper or not.
DW
Chrislong
06-12-2007, 09:04 PM
I'm not fussed on wether it is the corsa or not chris, it's just something i viewed today and fancied the look of it. I'm open to anything at the moment.
You'll have to have a busy weekend, but go and view these.
Renault Clio
Seat Ibiza
VW Polo/Lupo/Fox
Skoda new Fabia
Vauxhall Corsa
Ford Ka / Fiesta
The way I did it,is to know the model/colour/extras (i.e. exactly what i wanted) before going - then just make a list on a pad and make notes.. go home and think about it... look online.... go back and make the deal/negotiate etc.
The one mistake I made with the Fiesta is I wanted a sunroof too, and as cars are held in a compound nowadays - they had to have that fitted, and it leaked when it felt like it... so had to keep the rim vaselined up and free of tree fodder.
From memory, Toyota give very little away with the Yaris and they are 1k over priced compared to the equivalent ford/seat
Doomanic
06-12-2007, 09:32 PM
Think outside the box a little.
All the cars you are looking at are commonly driven, and crashed, by young drivers. This drives up the premium. A guy I know is driving a Saab 9000 Turbo at 21 and pays under £800 for it (Bristol post code)
RogerM
06-12-2007, 10:08 PM
As Dom suggests ... look around, speak to the specialist insurers and maybe you can have something hot if your not doing a 1,000,000 a year!
Car insurance is a very strange thing ...... I once had a fully modified car that cost less than half as much to insure than if it was standard as I could use a specialist broker and policy!!!! I also had a Porsche 944 as a 19 year old and it was MUCH cheaper to insure than my then girlfriends Fiesta for the same reason!!
My girlfriend did what your thinking of doing Paul. I too get Vaux partners discount and we looked at a Corsa .... left laughing when we realised that to get a decent spec we'd thrown £2k on the list price but only added about 50p to the residual value at 1 year old!!!
In the end we got a better spec Seat Ibiza for about the same price as the basic Corsa without the options but with the partners discount!!! On top of that the insurance policy was better, it had free breakdown cover and I managed to get maps and flaps, full tank and first service free by being cheeky and just asking for it!!
Dealer was top, car was brilliant, after sales service was great and we sold it on for about £1k more than the Corsa would have been worth. All in all she could not have made a better choice.
When we worked it out it came up about £50 a month cheaper than driving an 89 Polo saloon which cost about £800 to insure (mainly due to Candice having passed her test in South Africa and having been in the UK less than 5 years, held a licence in the EA for less than 5 years ... .etc.)
Good luck mate.
woOdy
06-12-2007, 10:15 PM
I work for Renault right now and I would say do not buy a car! Rent it on like a PCP or an options deal. You will loose out too much money if you buy a car now a days. Also, you never know what your future holds for you. You could loose your job or even get promoted and be able to afford a better car. In a option deal you can hand your car back after 3 years or earlier and either walk away, keep the car you have and carry on paying for it untill its yours or get a new car. There is NO salesman on the planet that owns there car.
antnee
06-12-2007, 10:58 PM
Go on confused.com and put your details in on there
Have you tried Civic's? They dont seem to be to bad to insure, maybe look older aswell, my bro got a mk1 mr2 at 20, and where we live is same postcode as "4th worst place in country"(nottingham city)
or get an old mini :)
PaulRotheram
06-12-2007, 11:05 PM
Funnily enough, confused.com always seems to give me the most expensive quotes, although for everyone else its the complete opposite?!
My best quotes have come from Endsleigh, they seem a good company but the cost is too rich for me.
mole2k
06-12-2007, 11:13 PM
2.5k for England, that sucks. It must be getting more like over here then. My current quotes run around 1.5k for a 110bhp mk4 golf. The largest quote I got was 6k when I was 19 for a 1.6 colt.
langers
06-12-2007, 11:31 PM
paul when getting car insurance the more experienced drivers on you policy can reduce your premiums try getting a quote listing parents as named drivers as this reduced a mate from works insurance on his fiesta st by around 800 quid at 21 years old
mobile chicane
07-12-2007, 12:13 AM
does yer wench drive add her to the policy makes it cheaper
MK999
07-12-2007, 01:31 AM
Check out direct line too, as they give no claims for named drivers, so you can insure in your dads name or something and get it much cheaper that way. Been looking at car prices for next year myself, but it seems it's gonna be too expensive with uni as well unfortunately :(
showtime
07-12-2007, 06:33 AM
There is NO salesman on the planet that owns there car.
they don't need to own their cars as they have use of demo cars that are renewed every few months :rolleyes:
i insured with Elephant.co.uk and they are pretty cheap on my group 20
i also added my mum as a named driver and it took £150 off ;)
(forgot to mention she lives abroad) not that i'd ever let her drive my car anyway :D
PaulRotheram
07-12-2007, 09:28 AM
Paul, just try this for me, i am curious to see how it compares for a young driver.
Google search the word - TILSUN.
Then go on their insurance link to a company with the initials LL.
Tell me if it is cheaper or not.
DW
Tried this and they only deal with people between 21-79 :(
Think long and hard about this, Paul. When the years free insurance runs out, are you gonna be syuck with a 1year old corsa/fiesta that you cannot affoud to insure at all because you've now got finance to pay for?
Best advice I've got for you - move out of Liverpool!
PaulRotheram
07-12-2007, 04:27 PM
Read the rest of the thread col ;)
Paul,
Your scort is a 1600 16valve is it not, surely that's why the insurance is 2.5k
Just get one with a smaller more basic engine, or a diesel one.
Get a vauxhall nova
http://www.oople.com/rc/photos/southport280506/imagepages/southport4wd49.html
lovely exhaust's lol
lil ben
telboy
07-12-2007, 05:42 PM
The other thing to remember paul is give ins comp's some hastle. they can get your quote down by loads.
A friend of mine's ins went up one year and so he told them to cancel and he'd go somewhere else. then they said they'd knock £80 off the quote. he took the quote to a different company and they said theyd do it for £50 less. he then went back to his original company and they said they'd beat it by £50. so he told em to stuff it as they didn't offer him that price in the first place.....when they obviously could have..
....then went to the other company told them that his original co. had knocked him another £50 off...and they knocked him another £20 off it!!
so £200 less on the quote just for the sake of a few phone calls.
so it proves that they can do it for less than they originally quote you.
;)
Slimboyfat
07-12-2007, 05:44 PM
Paul, nothing to do with car mate, speaking from an Insurance background, Liverpool and Manchester are the most expensive areas in the uk (bar a few p'codes in London) for insurance in the UK.
Regardless of if its a Ins group 1, Fiat Cinqencento you will pay approx 20-30% more than most other areas simply due to the high risk to the insurers through crime rate, accidents etc.
Your best best is to go on the net and go through Go Compare or Confused.com as they will give you accurate rates through perhaps 30 companies to save you ringing around.
I work for a female specialist broker and 90% of our business comes from these sites and nowadays its pretty accurate withing a few quid if not exact.
Matt
Slimboyfat
07-12-2007, 05:48 PM
Check out direct line too, as they give no claims for named drivers, so you can insure in your dads name or something and get it much cheaper that way. Been looking at car prices for next year myself, but it seems it's gonna be too expensive with uni as well unfortunately :(
Did you know the Named Driver bonus may not be accepted by any other company than Direct Line?? Its a bit of a bummer really for people who do it, as it means you have to reinsure with them. Good Business sense....bad for customer.
Chrislong
07-12-2007, 05:48 PM
I live on the outskirts of the 'M' postcode, I am 'BL' and the saving for it is significant.
Paul, do you have family who live outside of the Liverpool postcode range? I am not sure how possible it is to do, but have heard of people who declare they live at an uncles house just because of the better code, and I may only be a mile or two away. Probably naughty...
Chris
Slimboyfat
07-12-2007, 05:51 PM
they don't need to own their cars as they have use of demo cars that are renewed every few months :rolleyes:
i insured with Elephant.co.uk and they are pretty cheap on my group 20
i also added my mum as a named driver and it took £150 off ;)
(forgot to mention she lives abroad) not that i'd ever let her drive my car anyway :D
Yep, elephant are pretty good....DEFINATLY add mom or dad (so long as they dont have any serious convictions i.e drink driving or no insurance).
Again dont expect miracles due to area but try it.
Get a vauxhall nova
http://www.oople.com/rc/photos/southport280506/imagepages/southport4wd49.html
lovely exhaust's lol
lil ben
I like that Ben, a lad your age would not normally think Nova's are cool, maybe it's the rally thing.
I had one when I was 18, if I didn't have too much crap already I'd buy another and try to recreate it.
Slimboyfat
07-12-2007, 05:55 PM
I live on the outskirts of the 'M' postcode, I am 'BL' and the saving for it is significant.
Paul, do you have family who live outside of the Liverpool postcode range? I am not sure how possible it is to do, but have heard of people who declare they live at an uncles house just because of the better code, and I may only be a mile or two away. Probably naughty...
Chris
Definate no no chris....simple fact is insurance wont pay out if they suspect anything, harsh reality in this day and age due to too many claims and prices getting cheaper.
Yeah you noticed the difference in price huh?
I do feel for genuine people living in those areas that have to suffer because of the minority of those that make the risks so much higher.
Matt
Chrislong
07-12-2007, 05:57 PM
Don't see so many anymore...
Kash's was awesome. Where is that one now? Id be tempted to do that to a Corsa if I knew how.. LOL. Edit: plus id give it the Euro-look, mage stretched tyres over very wide rims and very low suspension....
Did you know the Named Driver bonus may not be accepted by any other company than Direct Line?? Its a bit of a bummer really for people who do it, as it means you have to reinsure with them. Good Business sense....bad for customer.
I came across a similar 'scam'. It was a Lloyds policy that was for 6 months, with the promise of 12 months no claims. Same as the Direct Line though, only valid with renewal from themselves. Go somewhere else and it was back to square one.
Id be tempted to do that to a Corsa if I knew how.. LOL. ...
Ohhh Chris, noooo, Corsa's are girls cars.
Slimboyfat
07-12-2007, 06:04 PM
I came across a similar 'scam'. It was a Lloyds policy that was for 6 months, with the promise of 12 months no claims. Same as the Direct Line though, only valid with renewal from themselves. Go somewhere else and it was back to square one.
Yep and also watch out for the 10 month plans claiming you get a YEARS no claims for a 10 month policy. Some companies will honour that bonus but most wont as its not an official year and again its so you renew with them.
Its crazy to see what companies come up with to get customers to buy but thats just the way it is and my advise is to keep asking questions to ensure its a legit policy for what you need with no hidden crap thats going to affect you later on down the line.
PaulRotheram
07-12-2007, 07:21 PM
Like OJ says Stu, my car has really got nothing to do with my insurance prices, I've tried anything and everything on insurance sites. including the one you've suggested OJ, and they all come back stupidly high, funnily enough - around the same region of cost too!
Its just something people have to get on with, as there's nothing we can do! This is why im looking to go down the finance route, and after speaking to a few more manufacturers, getting prices and quotes it looks to be a good route.
I've worked out by the time I finish my free insurance deals i'm aiming to do, my insurance should come down to about 1k a year - which i'd be happy with!
I looked in to what you are saying about other relatives a while ago.. but it is a serious no no as the insurers won't pay a penny if what has happened goes against your policy. Its like saying you park your car in a garage at night (when you dont), your car is stolen and you really only park it on the street!
I'll report back with more info as i'm visiting a couple more companys to see what goods the come up with. Up to now, no one has even came close to vauxhalls offer, only citroen came close with a deal on a 1.1 C2
PaulRotheram
07-12-2007, 07:23 PM
Another question to the motoring gurus out there.. I've always thought with a bigger engine, the less damage or wear would occur in an engine due to lesser revs when traveling on motorways doing 70-75.
Is this the case, and if so is this the case with new cars nowadays? I've no experience what so ever with new cars and how robust they are now.
WHITTLER555
07-12-2007, 07:24 PM
Hello Paul, sorry about my first suggestion!
Try this company - Young Marmalade (I kid you not!!)
http://www.youngmarmalade.co.uk/young_main.php
They supply new small cars and roll the cost of insurance into the deal.
I have just run a quote on a Corsa 1.2 SXi AC and it quoted a 19 year old insurance at £783.00 for 12 months
Have a look they may be able to help??
Colinevan
07-12-2007, 07:26 PM
Paul, Just a quick point as you may have overlooked an important factor.
If the insurance is free now, what would the estimate be for in 12 months time, i.e would it also cost you an additional £150 a month to insure. Of course that is on top of the figs of around £180 a month just to buy the car.
If your thinking of just keeping the car for 12 months, remember that the car will depriciate a lot in 12 months and may end up costing just as much to buy as paying scandelous insurance on a slightly older but better car (if that makes sense).
Iv had many new cars, but now sadly run that 306 dturbo that you see nowadays as iv learnt that i have literally spent 10s of thousands on cars in the past. With a super high mortgage at the mo, i sadly cant afford a new car anymore :mad:
As an example, when i was 18, i bought a brand new fiat punto s special edition. Cost 8k, i bought on a pcp (personal contract plan) and was going to keep the car for 2 years. I traded it on another Punto, this time a new punto Gt turbo. i think i got £3000 for that car in part ex and when i sold the gt on a few years down the line, i think i got 4k on what was a 13k car.
I learned that if i buy a better car, but older and paid slightly more insurance, it works out much cheaper over the time of owning a better car.
As an example, before the 306, i ran my much loved Bmw M3 Evoloution, Group 20 insurance, 321 Bhp, expensive servicing... But. I paid 10k for that car, which in theory was a 9 year old Bmw. I think in 18 months of ownership, the servicing was around £600 (specialist) Insurance was reasonable at £1300( the 306 costs me £230 as comparison ) and i sold that car on with approx another 7k miles for ...... 10K. If you rack up what that lot cost for running what i would consider a very fast and expensive car to run, it can actually work out cheaper to own and run a similar car that it would on depreciation on a new car etc and you get a much better car for the money.
The Bmw is prob a bad example to use, but im sure you see where im coming from. Theres planty of cars that meet the above critera ;).
WHITTLER555
07-12-2007, 07:29 PM
Stu will love this! Have you thought of owning a classic car?
Check this out in Liverpool on Ebay:
FORD CORTINA 1.6 CRUSADER Item number: 150192797501
The insurance on my RS2000 in my avatar is £183.00 fully Comp!
I also suspect as soon as the Life on Mars TV show replacement based in the 80's called Ashes to Ashes goes on air, those MK5 cortinas will be going up in value!!
Colinevan
07-12-2007, 07:33 PM
Another question to the motoring gurus out there.. I've always thought with a bigger engine, the less damage or wear would occur in an engine due to lesser revs when traveling on motorways doing 70-75.
Is this the case, and if so is this the case with new cars nowadays? I've no experience what so ever with new cars and how robust they are now.
Rule of thumb used to be that smaller engine used to scream along whilst a bigger engine just plods along. Iv drove loads of small new cars and tbh the way they are geared allows very sporty performance the only downside is slightly higher rpm as opposed to bigger engines which will rev less.
Im more in favour of bigger engines as in my opinion as iv found that i dont really drive them as hard to get good performance where as in a smaller engined car, i tend to rev more and generally drive harder. ( i do have a lead foot ).
My advice though would be to get a diesel car though. Fantastic performance and economy and better residuals.
Col ;)
Spencer Mulcahy
08-12-2007, 12:06 AM
Stu will love this! Have you thought of owning a classic car?
Check this out in Liverpool on Ebay:
FORD CORTINA 1.6 CRUSADER Item number: 150192797501
The insurance on my RS2000 in my avatar is £183.00 fully Comp!
I also suspect as soon as the Life on Mars TV show replacement based in the 80's called Ashes to Ashes goes on air, those MK5 cortinas will be going up in value!!
He said on the Chris Moyles show this week he will be driving an Audi Quatro in the new series "You Slaaaagggg"
WHITTLER555
08-12-2007, 01:15 PM
Radio 2 man these days Spencer!
Too much noisy noise on R1
jimarea51
08-12-2007, 02:20 PM
Check this out in Liverpool on Ebay:
FORD CORTINA 1.6 CRUSADER Item number: 150192797501
I also suspect as soon as the Life on Mars TV show replacement based in the 80's called Ashes to Ashes goes on air, those MK5 cortinas will be going up in value!!
And if you want it to go fast, just let me know, I'll fill it with E's & Wizz.
Damian's Scort if full of the maddest Crack I could find.
PaulRotheram
08-12-2007, 04:25 PM
Just test driven a 1.3 diesel + turbo corsa.. phwaa it moved :)
1. Be carefull buying a car on a finance deal - your probably looking at a 5year plan and sometimes very expensive to end early and get out of. Try and look for a deal where you get free insurance for buying the car and not for taking the finance deal! (not so easy as salesmen tend to get a better commission on the finance deal than the car). If you need money to buy the car take out a loan - its cheaper and not attached to the car.
2. Don't be fooled by the £1000 trade in value for your old car, the screen prices are over inflated to cover this. If you walk in as a cash buyer with no trade in they will knock far more off. I went in Renualt liverpool a few years ago and they offered £1000 off the screen price of the car I was looking at, with a trade in on any car. I explained I was a cash buyer, no trade in - and £1650 came off straight away!
3. All the main dealers I've visited in Liverpool inflate the screen prices massively so when you walk in they start slashing the price making you think your getting a good deal... often your not. Go to some smaller main dealers in smaller towns, Southport, Ormskirk, etc you will find the pricing is more genuine.
4. If you want a good price buy a car just before the reg letter changes and offer to take a pre-registered stock car. Salesmen will jump through hoops to get rid fo them.
OR stick with your current car and join somesort of Ford Owners club, probably cost you about £10, but clubs normally get insurance deals through specialist insurances.
Spencer Mulcahy
08-12-2007, 08:10 PM
Radio 2 man these days Spencer!
Too much noisy noise on R1
I am clinging onto my youth with my finger nails Damo.:D
PaulRotheram
09-12-2007, 11:12 PM
Just want to say a big thank you to everyone who has offered help and advice, i've tried and looked through everything i can think of to get my insurance lower, but no matter what car or various inputs to insurance sites, they all come out around the 2-2.5k mark which isnt good enough for me.
I've been around pretty much every dealership in liverpool this weekend and i've decided the Vauxhall offer is what is best for me.
I should be putting my name and requirements to my local dealership this week for the new corsa.. all I need help on now is.. colour!
Which one?
http://img255.imageshack.us/img255/8789/dsc00284qq6.jpg
ashleyb4
09-12-2007, 11:14 PM
either light blue because its the same colour as your bodyshells or the silver cus they look nice in that or if you want to be diffrent have the red. Thats all i can say lol.
A
lighter colour dude, dark corsa's look small.
I always think white cars look good.
I miss my Nova.. That was a fun car.:D
2.5k is scary money for Insurance I don't think i would bother owning a car if it cost me that much.
I pay just over £800 and that's for 2 Cars Laguna diesel & Leon Cupra and also a R6
Southwell
10-12-2007, 08:13 AM
I'd go ultra blue personally.
antnee
10-12-2007, 04:06 PM
red or blue depending what you are, if your not into footie, then silver:cool:
Spencer Mulcahy
12-12-2007, 10:13 AM
Happy birthday Paul your insurance might go down now that you are the ripe old age of 20.:D
losixxx
12-12-2007, 10:32 AM
I always think white cars look good.
I miss my Nova.. That was a fun car.:D
2.5k is scary money for Insurance I don't think i would bother owning a car if it cost me that much.
I pay just over £800 and that's for 2 Cars Laguna diesel & Leon Cupra and also a R6
£96 fully comp for the wife's saxo. perk's of being old:(
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