How Much Insurance

[Guest PcBoss]

Iam quite new here and hope to be posting here from know on, i have just steped onto age 17, went and passed my licence aswell... i was shocked when my family told me to choose a nice car for myself and they would pay...:dance:

 

I want to go for a 300zx, but what i was wondering was the insurance cost... how much would the insurance be for a 17 year old, remember that this is my first car...:cool:

 

Iam from london by the way... any ideas would be great... :)

 

Regards

 

PcBoss

[Guest mickeyb]

not many will insure you, be mega bucks if they did.

[jaffa]

Your age, lack of no claims, and post code will make you nigh on uninsurable, that or you'll pay more than the value of the car each year.

 

Got my 300 at 24, 5 yrs NCB, E5 postcode, = £1700 !! though it is a modded import.

 

Would be better for a stock UK one.

[Guest Jeff TT]

PcBoss, do not take this personally but 17 is way to young to be in charge of a car with such power, get some driving time experience in a lesser car first.

 

As a parent I know you want to help your kids but buying a zed for an inexperienced young driver is not what I call been a good parent it is reckless and fraut with danger.

Please do not do it, it WILL end in tears.

Again nothing personal ( just the opinion of a 43yr old dad )

 

Jeff TT

[Guest PcBoss]

Thanks for your opinion Jeff TT, Its not been taken personaly its been appreciated with huge respect, so you guys are saying theres no chance of insurance cover on a 17 year old for a 300zx...

 

Guess the parent will have to have it on there self as a first driver and only driver :cool: then it should cover... how about an mr2 would that cover a 17 year old?

 

or would there be any other zx kinda looking car that would cover, it must be somthing special since its a first car... the post code is BR1 by the way...

 

Regards

 

PcBoss

[billynomates]

have to agree with JEFF TT, also as a dad and believe it or not having once been 17, a ZX is not the way to start, my lad recently has passed his test

and i bought him a fiesta gia, and how glad am i that i didn't buy something more powerful, at 18 he often has him mates sat with him, so not only is it his life but other parents kids as well,

 

i know from what people tell me, he does not always drive as he should, especially when he passes people he THINKS are looking at him, he probably does it 'cos he thinks they are looking and thinking how cool he is, i tell him its 'cos they are saying "look at the dickhead showing off in a fiesta" lol

 

no disrespect to you m8, but in the wrong hands a Z is a killing machine, and im sure your mum and dad would never forgive themselves if something happened to you or someone else,

 

from your post you sound a sensible lad, personally i would advise something a LOT smaller, and in the meantime keep visiting this site, take advanced driving tests etc (does wonders for youngsters insurance)

and when your ready THEN buy a ZX cos they ARE the ultimate modding machine;)

good luck

[John Dixon]

TBH there's something to be said for getting a less poweful, grippy car as a first driver. You spend more time learning to control it properly and getting a feel for how it reacts that you do driving really good car where you have to be a bit daft to really explore its limits on the road.

[Guest PcBoss]

Thanks billynomates, would a MR2 be ok for me or would that be a killing machine too?

[billynomates]

lol if you believe many on here the mr2 is ok for kids/hairdressers and mothers :tongue: again its a powerful car m8, not something i would be buying one of my lads as a first car, i can understand what your after, as my lad is already looking to get rid of his fiesta, as it aint his idea of cool, as above why not do one of the advanced driving things first, they not only teach you to respect power etc, but can knock a few hundred from insurance

 

as i said i understand where your coming from, so honestly not sure what to suggest, again at least you have the sense to ask the questions first, you would not believe the people who ask advice AFTER they have bought their first bit of trouble

[Guest PcBoss]

Ok mates, thanks for everyones advices, i will know speak with my family and see what there idea would be for a more sensible car... dont get me wrong guys... its not that a 300zx must be must...

 

its just that its my first car and it must look cool bla bla bla aaaaa etc... i noticed most of my 17-20 year old cousins drive 300zx, 200sx, MR2... none of them go for small cars... i wonder how the heck they pay there insurances...

 

anyway i will go and see what my family says... give me at lease an hour to reply back about whats going on...

 

Regards

 

PcBoss

[bigalz]

get a golf GTI- hold the road like sh$t to a blanket, reliable and still have a good bit of poke. But even for that I reckon you'll pay well over a grand for insurance.

[billynomates]

maybe worth looking at a classic sports car/convertible type of car

less powerful but unique looking, and i know it's hard to look forward but

building up a good insurance record at your age WILL pay off;)

[Mark]

How about a MK1 MR2, 1.6, cheapish insurance, maybe not for you but at least you'll get used to rear wheel drive, a few years behind that and maybe you'll be ready for a 300zx non-tubo.......

 

Do u know what they look like?

 

PS. Jeff's advice is bang on....;)

[Guest chunk]

did some one say MR2.......

 

http://www.300zx.co.uk/forums/showthread.php?t=36829 :rofl:

 

Seriously though bud, I totally agree with Jeff, John and alll the other comments, having a 300bhp RWD car for your first as nice as it would be would be a bit scary. I would honestly get some driving experiance first and maybe in a year or 2 consider the N/A (non turbo), maybe do a few driving days, track days and get some advanced driving tuition (insurance will like that)

 

Whatever you decide on mate, be safe.

 

All the best

 

Rich

[EvoluZion3]

definately some good advice on here - unfortunately someone young died a couple of years ago when they lost control and put their zx into a tree (i think it was the passenger that perished). scarily enough i passed along the same road in the same car (same colour) about an hour before, so apparently there was a bit of confusion between witness statements until i gave the bobby a bell to let him know.

as for cars, i know magazines like max power sometimes have a section dedicated to low insurance/first car/modification/young driver etc. (this issue unfortuantely doesn't but its got great dvd footage of zx's doing donuts :hyper: :x: )

good luck with the search mate and see you back here soon i hope

[davido140]

Ok mates, thanks for everyones advices, i will know speak with my family and see what there idea would be for a more sensible car... dont get me wrong guys... its not that a 300zx must be must...

 

its just that its my first car and it must look cool bla bla bla aaaaa etc... i noticed most of my 17-20 year old cousins drive 300zx, 200sx, MR2... none of them go for small cars... i wonder how the heck they pay there insurances...

 

PcBoss

 

If you got a UK spec 200sx it shouldnt be too bad to insure (3rd party only, forget fully comp) admittedly insurance has gone up a lot since I was a lad but I used to driver silly cars and pay well under a grand for TPFT insurance, dont imagine you would be paying more than £1500 to 2k MAX for a 200sx or (possibly) a 300zx.

 

Dont listen to these old codgers ( :) ;) saying you should learn in a less powerful car! Fecking do it fella! just RESPECT what you are driving, and take it easy to start with and you will be fine! (and fooking watch the wet in these rear wheel driver thingies, it can all go pear shaped very fast!)

 

Oh and dont get a Mr2, where the hell are you going to have a fumble with your girlfriend?? there's no back seat!

[Guest christopherdavi]

At least the lads got good taste!

 

Someone mentioned an older 'classic' car. I agree. An old MGB is not expensive, cool as f**k and cheap to fix. It will also teach him how to drive a rear whell drive. and how to fix them. Insurance, spares and mechanics are easily available

 

And you pull a different set of birds with an NGB...posh totty!!

 

Watch out for rust though

Chris

[Guest Nelson MainFella]

a 23 yr old died last saturday night near me when the car he was in lost control - he almost certainly didn't have a seatbelt - all the other 3 survived with barely a scratch.

he was in passenger seat and went out the passenger window. :(

[davido140]

At least the lads got good taste!

 

Someone mentioned an older 'classic' car. I agree. An old MGB is not expensive, cool as f**k and cheap to fix. It will also teach him how to drive a rear whell drive. and how to fix them. Insurance, spares and mechanics are easily available

 

And you pull a different set of birds with an NGB...posh totty!!

 

Watch out for rust though

Chris

 

Good thinking, I like the cut of your jib mister! :) could always buy that pimped beetle for sale on the board at the moment! Surfer chicks ahoy!!

[ya5een]

lotsa great advice on here as usual, reminds me of my first post with all my similar questions, PcBoss have a look at this link: http://www.300zx.co.uk/forums/showthread.php?t=26850

 

im 20 and have 1yr ncb, had my license for 3 yrs and live in a supposedly bad area of leicester wher i park th car in th street. i cdnt get th car insured in my name for less than 3 grand (thats third party f+t), tried absolutly evry insurance company i could find but because of my age insurance is sky high.

 

tried to get classic insurance because it is a 2nd car but for some daft reason u cant get classic insuranace for young drivers, WTF?? have to be 23 yrs old minimum

 

all those insuarnace companies in th back of maxpower are a waste of time, thy gave me worse quotes than other insurers. bottom line is: young driver + 300bhp car = ££££££

 

in th end as my mum dsnt have her own car at th moment i insured with mum as th policy holder and me as an additional driver, still paying £1500 tpft for an import TT, i think fully comp was bout £2000.

 

with regards to getting a car to suit ur experience i totally agree, i drove my zed 3 months befor having an accident in may and its been crippled since. although th accident wasnt entirly my fault i was kinda speeding to work at th time and had only travelled 40 yards from a junction befor having to slam my brakes on. cdnt avoid th guy, but then he shdnt have tried to cut accross me. oh wel thyv admitted liability, finally, so th car shud be back soon enuf.

 

iv had a few close shaves and lost th back end in heart stopping moments of stupidity (one of which caught me completly by surprise on a baking hot, dry day with 3 of my mates in th car). we are so lucky ther was no traffic coming in th opposite direction. i have learnt my lesson and am almost scared to even attempt to play around with th car on corners, even light turns. to me its just not worth th risk and i KNOW am not experienced enuf to drive like tht neway

 

going from a 1.3L pug 309 to a 3LTT RWD car is a masssssive step, th power difference, handling, eveything about th driving experience. u have to be extra aware and at full concentration all th time.

 

thr also not very economical to run (not surprisingly), 15mpg in n around town is appalling n i find myself constantly watching th fuel meter, n thats with careful driving.

 

get a runaround car for a few years, drive carefully and build up ur ncb, save up for th car itself and insuaranc. its definatly worth th wait. my cars not exactly a minter, it has its niggling things i dnt like bout it but i love it to bits and th feeling u get driving it is absolutly awesome :D

 

oh yeh, stay attatched to this site. huge wealth of knowledge and ppl who are always willing to help out. let us know wot u eventually decide to do

 

Yaseen

[Mark]

Dont listen to these old codgers ( :) ;) saying you should learn in a less powerful car! Fecking do it fella! just RESPECT what you are driving, and take it easy to start with and you will be fine! (and fooking watch the wet in these rear wheel driver thingies, it can all go pear shaped very fast!)

 

Its not just about respecting the car, its about being able to get yourself out of a mess when it all goes pearshaped....no way is a 17 year old kid gonna be able to.......its also about experience.... :bow:

 

If he had his own personal track and his parents can afford to buy the car then I say go for it! But I sure as hell wouldnt want him driving around my town in a 300! :eek: :(

[davido140]

Its not just about respecting the car, its about being able to get yourself out of a mess when it all goes pearshaped....no way is a 17 year old kid gonna be able to.......its also about experience.... :bow:

 

If he had his own personal track and his parents can afford to buy the car then I say go for it! But I sure as hell wouldnt want him driving around my town in a 300! :eek: :(

 

 

Ouch, way to piss on his bonfire mark :) (joking by the way)

[arry]

If you got a UK spec 200sx it shouldnt be too bad to insure (3rd party only, forget fully comp)

 

Oooooh feck yeah it will be bad to insure ;)

 

I pay £800 for mine TPFT. With NCB, better postcode, licence over 5 years, 24yrs old etc etc etc

 

I got the car when I was 19 and back then insurance premiums were a lot cheaper than they are now - and it was still £2200 then! so that would be 2 years older than PCboss, with licence a year or so longer.

[Guest mickeyb]

 

im 20 and have 1yr ncb, had my license for 3 yrs and live in a supposedly bad area of leicester wher i park th car in th street. i cdnt get th car insured in my name for less than 3 grand (thats third party f+t), tried absolutly evry insurance company i could find but because of my age insurance is sky high.

 

tried to get classic insurance because it is a 2nd car but for some daft reason u cant get classic insuranace for young drivers, WTF?? have to be 23 yrs old minimum

 

all those insuarnace companies in th back of maxpower are a waste of time, thy gave me worse quotes than other insurers. bottom line is: young driver + 300bhp car = ££££££

 

in th end as my mum dsnt have her own car at th moment i insured with mum as th policy holder and me as an additional driver, still paying £1500 tpft for an import TT, i think fully comp was bout £2000.

 

with regards to getting a car to suit ur experience i totally agree, i drove my zed 3 months befor having an accident in may and its been crippled since. although th accident wasnt entirly my fault i was kinda speeding to work at th time and had only travelled 40 yards from a junction befor having to slam my brakes on. cdnt avoid th guy, but then he shdnt have tried to cut accross me. oh wel thyv admitted liability, finally, so th car shud be back soon enuf.

 

iv had a few close shaves and lost th back end in heart stopping moments of stupidity (one of which caught me completly by surprise on a baking hot, dry day with 3 of my mates in th car). we are so lucky ther was no traffic coming in th opposite direction. i have learnt my lesson and am almost scared to even attempt to play around with th car on corners, even light turns. to me its just not worth th risk and i KNOW am not experienced enuf to drive like tht neway

 

going from a 1.3L pug 309 to a 3LTT RWD car is a masssssive step, th power difference, handling, eveything about th driving experience. u have to be extra aware and at full concentration all th time.

 

thr also not very economical to run (not surprisingly), 15mpg in n around town is appalling n i find myself constantly watching th fuel meter, n thats with careful driving.

 

get a runaround car for a few years, drive carefully and build up ur ncb, save up for th car itself and insuaranc. its definatly worth th wait. my cars not exactly a minter, it has its niggling things i dnt like bout it but i love it to bits and th feeling u get driving it is absolutly awesome :D

 

oh yeh, stay attatched to this site. huge wealth of knowledge and ppl who are always willing to help out. let us know wot u eventually decide to do

 

Yaseen

 

Yas WTF`s up with your keyboard, keeps missing letters out..... ;)

[Craig David]

I had a GSX-R1100 at 18 (that's faster than a twin turbo 300ZX) . I woyuld have learned more if I'd bought a slower bike. But if you'd told me that at the time, I wouldn't have listened.

 

I don't think insurance would be feasible for you in a 300 though these days.

 

I pay about £700 for fully comp on my non-turbo 300 with full NCB, no points, no convictions etc (and a dangerous job apparently!) and I'm 30 and live in a relatively safe area.