im 18, one years driving experience in may..ive been offered a 2.0 litre turbo 1998 20v in exchange for my car and some money. the car is amazing, im searching for insurance at the minute but cant find anywhere cheap enough. the cheapest at the minute was the AA at 380 a month...anyone offer any hints/tips? i have pass plus.
thanks.

The car is indeed amazing but at your age i doubt insurance companies would go near you on a 20vt.

Just to add, dont forget the coupe is a group 20 insurance car. The insurance company will feel that u are gaurenteed to have an accident in it in the year.

I was 22 when bought mine & had a nightmare insuring it.
Most companies will have a age limit on the coop 22+,25+ etc.Or you'll need a certain amount of no claims bonus.
To be honest only being 18 the insurance premium will be massive & it ain't worth paying silly money for insurance.
Get something cheaper to insure, save up the pennies & when you've got full no claims bonus splash out on a car then.
I know it's so annoying that you can afford to buy the car but insurance is just a pain in the arse.

At 20, with one fault accident, pass plus, and driving since I was 17, i got insured with elephant for 1200, I have no idea how you'll get insured on anything remotely like a Coupe turbo at your age. Sorry I cant be of more help, I would of gotten one myself earlier if insurance was doable at that age.

Age is the obvious no no.

I'd get at least one years no claims and do your IAM test.

Only other option would be if you were the 2nd driver to someone else and obviously not the main driver...

Yep - it hurt me but I drove sheds for the first few years after passing my test, to build up experience and some NCB. The quotes were just ridiculous.

Not the answer you want - but unless you can afford about £4k a year on insurance, I'd go the same way.

Look on the bright side, they'll be even cheaper in a year or two when the insurance is cheaper for you

thanks for that. im going to wait 6 months or so. il only be 19 but im going to do my iam test and i already have pass plus. hopefully i can get my hands on an 2.0 20v limited edition then! anyone selling one in september/october time contact me! thanks.

i had 9years experience with only 1 ncb at 24 and struggled to get insurance, first year was 1600 second was 1000, keep on looking but i think youll struggle! insurace would be double the price of the car if not more!

im 22 and pay 1000 for 10 months policy.
next year will be around 850 for 12 month policy

My advice is, buy a hot hatch or something, enjoy that, and get your no claims up. It'll be silly money and it's a bit of a rapid car for a relatively new driver (not saying you aren't a good driver though) Just thinking of coupecraig and the nightmare he had trying to find a quote that wasn't insane!

Well I insured my LE for £780 something or was it £830? I forget but my LE was in that area and i'm 21

blimey thats good, did u have no claims?

my 16vt (with 0 no claims bonus) was £1200 in the first year and now about £800 in this my second year (cant remember the exact amount) hoping it'll drop to below £500 for the next year as i'll be 25 and have 2 years no claims (touch wood)

thanks for the advise. ive had a quote from the AA for £208 a month. little bit steep at the mo and its only third party but im getting a new job soon so should be able to save a bit of money and buy my coupe in the summer! il have one years no claims then and 2 years driving experience. ive had a fiat punto 1.6 90 elx for the last 10 months but im getting a little bored of it now. hence looking for a coupe.

elephant are probably best, they do great deal for one off payments but rip you a new arsehole when u try to pay monthly. I got quoted 735 for the 10 months accelerater ona 20vT n im 21 but with 9 points and a claim so not bad at all but then when i request to pay monthly it was a 256 deposit and 9 instalments of 102 nearly doubling it!!!

Yes Truffle 3 years NCB and a few of them spent in a Sedici Tipo which irronically being a few groups lower and a little slower is more to insure than my Coop! The hot hatch tag still brings insurance companies money in!

im 19 and on my dads name and pay just over 2000 a year but its so worth it im with motorqoute there a broker but sabre are very good if you say youu have owned the car for like 3 year + there give you a massive discount (longer you owned the car the cheapper it is) im renewing with them it only going to be around a 1k. also qwinn insurences iv been told are good my frends with them and hes only 17 and insured his min thought them but with qwinn you can drive any car as 3rd party never mind your age excluding 4x4's and lorryes. i hope are that info helps

quinn refuse to insure the 16vt/20vt no matter who you are.

i am 21 and i pay £800 for a ten month policy with 2 years ncb but it helps that i live in the imbred part of essex where nobody goes

which company is that with?

10 month policy suggests Elephant who don't like mods (wouldn't even cover a strutbrace)...and tony16vt, there's no need to shout

yep its elephant

i'm sure the previous owner of my car mentioned he was with elephant, and he did all the modding...

he must of not declared them then!

whos been a bad boy then

Ive been getting some decent quotes off Admiral. After my birthday (1 weeks time) the premium is around a grand. Which I think is reasonable.
2 years driving experience
2 year no claims.

Sounds reasonable with Mods, to me anyway

I got insured at 18 on my 20vt at 3800 worked out to 360 a month.

3800 cor blimey gov'ner

i got insured at 20 on my 20vt, 800 pounds a year, thats with 6 points, and driving again 1 year and 4 months :)(had to re-do my test)happy with that!

thats with adrian flux!

I got a quote from Admiral of about £900. 22 years old, 3 years driving, 2 years NCB. I decided to add it to my MR2 policy for £60 a month for a few months.

I really can't believe you young 'uns will pay that much. When I was late teens / early 20's the most I could afford was a MK2 golf Gti (1500 quid a year in the first year was cheapest I could get - 7K was the most.) which i then crashed (and had several near misses). Anything quicker and I'd Have most likely done myself some damage. All my mates that had anything quick seemed to stack them big style too…remarkable none of them were badly hurt. Funny why insurance is high for young drivers isn’t it? Anyway my advice would be to get a cheap car for around a grand that costs peanuts to insure, save the money you would have spent on silly insurance and buy a quick car with no finance when you’re over 21 or 25. Believe me I know how fraustrating that will be, but it wont be that long – honest! I'm not having a go at all - I was 18 once!

How much do you earn at 18 these days – how the hell do you afford to buy, run AND insure a coop turbo?

Yea, I made the mistake of getting a loan for a car, still paying it off now, car has long been sold! I think anything up to £1500 is acceptable to pay on insurance for most cars, although I was paying 2k a year on a highly modified (engine, not stick on parts!) mini, which I thought was acceptable, but was hard getting by when paying that much.

I've always had pretty quick cars, however I'm of the mindset that its the driver that causes the accident, not the car he/she is driving.

I agree - but let's face it, young and very capable driver and a quick car with a few mates in it or convoying with friends in other cars on a nice wet road(time to show off)= accident waiting to happen. Been there and done that. Young and capable driver in a 100bhp car = probably crash it doing the same, but unlikely to kill anyone in the process.

drop out of uni and get a job, it worked for me

I'm 22 and all of my mates live in poverty, drive rust buckets, and hardly make ends meet while working 2 part time jobs and studying full time something which will never directly benefit their choice of career...

I agree *he says as he adds his weight to the pushing of this topic from its original course*, didn't bother going to uni and am much better off for it then those around me that went to uni. I can clearly see that most of those who went to uni have no real world experience, which probably comes through in interviews. Degrees help in certain specialist jobs, but not the majority.

I'll be proved wrong in 15 years when I'm still in the same job role and my mates are all CEOs.

Have you tried Bell insurance? They're part of the Admiral group but specialise in lower NCB and came out £100 a year cheaper for me