Decision time

[Rodgers]

Just been driving a year now an got my renewal through, my insurance has dropped by a grand i dont know if i should keep my car an put some work into it for cheap insurance. The other option leave it get a new car after christmas like a 106 gti or something. Its a 1.4 clio, 5 door currently has renault 19 turbines on which i want to swap to standard sport wheels if im to keep it, please dont tell me leave it standard an keep it for another year because thats not a option! , thanks in advance

 

[jesus]

Dropped by a grand... to what?

 

[Rodgers]

From 2.1k to 1.2k for a year

 

[Brett]

Get a 172 then. I was going to get a 106 GTI when I was 19 and then add SS exhaust, manifold, IK, cams and a remap totalling like £1500 to make it 172 pace. Then I did the sensible thing and bought a 172 which was the car I actually wanted. Cost hardly anything extra too, the GTI's are silly expensive for what they are. Saxo VTS is much better value.

 

[Heez]

And 172s arent silly expensive? Insurance will be nigh on 2k for you, maybe more. Do some test quotes, its what comparison websites are there for!

 

[Dominic172]

Defo check the insurance 1st m8, i moved up from a 1.2 to a 172 and my insurance jumped £3000 and thats with 5 years no claims. Damn this BD postcode, Damn it to hell :evil:

 

[John.]

Make a sport rep if that's what you want to do, or save the money you would have spent on all that sport gear and put it away for a year and buy yourself a 172 when your insurance drops, which it should!

 

[Rodgers]

On a 172 my insurance is like 3.2 a year, realistically i can move to a 1.6 , so vtr,106gti, clio 1.6 16v, fiesta zetec but im not sure if its worth all the hassle !

 

[dudes45]

Your lucky mines 3.2 a year on a 1.2 8V I'd happily have a 172 for 3.2k!! (Although I'm 17 so it costs 6.5k lol)

 

[Charlie.]

Your lucky mines 3.2 a year on a 1.2 8V

Whatttt?!

 

[Rodgers]

Yeh mine was 2.1 k on a 1.4 8v but if i payed monthly it was like 3.4k, yet my mates 19 an has a 2ltr turbo astra gsi :/

 

[Kane.]

I'd rather walk.

 

[Stefan.]

seriously wtf some of these prises are ricidulous but they seem 'ok' to people, i had my 1.2 until i was 21 for me taking it up the arse from insurance companys because you want a quicker car than your mates lets face it seems crazy

 

[roberto.]

Go for the 1.6 clio, and buy mine . PM me if you want details

 

[Dan@M.A.D]

1.6 clios are great cars, Not very good MPG but drive very well. I currently have no cars as insurance is silly, On the look out for something but i dont know what!

 

[aliengravy]

I waited until I was 21, much on the basis of advice on here! Stayed with the 1.2 Got to 21, 4 years ncb's, and bought my 182... love it to bits, and now don't regret waiting at all!! ( I did have a 1.9dci megane for a while, although the leather was luxury im too much of a petrol head to have enjoyed it!)

 

[MartinR]

flol some of these prices are shocking for insurance,i thought £650 was high, i would rather catch the bus than pay out 3.5k.

op you're in a no win situation, buy a 172 get bankrupt on insurance/or turn yours into a replica get bankrupt once declared to insurance.

best thing to do is tidy it up ,servicing,alloys and drive it for another year.

 

[Eddie.]

Keep it for another year, drive carefully, protect your NCB. Do some little mods here and there to keep you entertained, don't spend a fortune and then next year you could have something really nice if you save hard.

 

[Le_Momo]

I ran a 954cc citroen AX until I was 20 to build no claims! My first years insurance was £515, which I thought was horrific at the time (compared pretty well against my mates in Novas and Fiestas etc). I'm so glad I'm older, my cup with mods declared is less than £400 fully comp with business use!

If it was me, I would keep the 1.2 for another year, get the no claims up. I wouldn't throw money at it in mods either, everytime you think about modding it, take the money you would have spent and stick it in a savings account, at the end of the year that should give you a nice fund to buy a different car with.

 

[RDH]

Keep it for another year, keep it standard and wait until your insurance comes down. This is the best option.

 

[Jeff456]

I waited until I was 21 to get my 182, running a 1.2 16v until then, so glad I waited, no point paying silly amounts for insurance!