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  #61  
Old 26.09.2017, 15:26
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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My sister has driven them there, and mine here, and can't believe that they are the same car!

(OK, they are the same in name and body shape only, brakes, handling, etc. are totally different)

Tom
Are they still using leaf springs over there for entry level vehicles...and I mean all cars sold in N America? They did in the mid 2000s
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Old 26.09.2017, 15:43
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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That's a nice car, very nippy and fun to drive. There are only 3 cylinders turbos around now.
I would recommend it as a first car, unless you are doing lots of high speed driving (>120 km/h) where you feel the lack of a 6th gear.

An mx5 might be fun and all, but if only have one car as a young person you want to be able to go on vacation with it, carry friends, stuff, etc. imho.
Get a MK2 XR2, small but room for you and your pals, great power, great road holding, cheap to buy and run, engine you can tinker with your'sel with a screw driver and a Haynes manual (half the fun of driving in those days, cut garage costs down)...wait, hold on it's 2017...sorry, och well what about Dacia Sandero with Fandango tyres and Go fast stripes instead?
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  #63  
Old 26.09.2017, 16:12
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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Oh my god, so boring with a Kia
what was that again?
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  #64  
Old 26.09.2017, 18:49
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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what was that again?
YOUTUBE
Nice!
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  #65  
Old 26.09.2017, 19:59
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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If I were 25 and looking for my first car, I would take a mazda mx-5 (like this one) as it ticks all the boxes:

- cheap: about 15k CHF for a 3 year old
- fun: just read the reviews
- inexpensive to insure since the fun is not coming from lots of HP but from the excellent handling.
- cheap to maintain
- not every idiot has it (like old 3 series / imprezas/ GTI's)

Woooooondering if there is a turbo kit for it from HKS or so...
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  #66  
Old 26.09.2017, 22:05
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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I have a Honda Civic which is very cheap to insure (3rd party only). I'm under 30.

Japanese cars tend to be reliable and not too expensive to service & maintain too....
That's interesting! How old is it! What engine? I love Civic's

Maybe this means buying an older Subaru Impreza with the least powerful engine and a stick shift may be cheap to insure(?). I'll also only have the 3rd party insurance.
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  #67  
Old 26.09.2017, 22:25
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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I have a Honda Civic which is very cheap to insure (3rd party only). I'm under 30.


Japanese cars tend to be reliable and not too expensive to service & maintain too...
I see now that you can get the Civic with a mediocre engine, but all Subaru's have many horse powers.

How big is the engine of your Civic?

Someone told me the engine has something to do with the 3rd party insurance, while other say the company doesn't care about the car, only the driver. But I still don't understand why some say that if you have a Kia, the 3rd party insurance is cheap...
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  #68  
Old 26.09.2017, 22:26
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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I have a Honda Civic which is very cheap to insure (3rd party only). I'm under 30.
I see now that you can get the Civic with a mediocre engine, but all Subaru's have many horse powers.

How big is the engine of your Civic?

Someone told me the engine has something to do with the 3rd party insurance, while other say the company doesn't care about the car, only the driver. But I still don't understand why some say that if you have a Kia, the 3rd party insurance is cheap...
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  #69  
Old 26.09.2017, 22:38
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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Maybe this means buying an older Subaru Impreza with the least powerful engine and a stick shift may be cheap to insure(?). I'll also only have the 3rd party insurance.
If money is such a big problem I'm not sure getting a subaru is the best idea. Subarus are more expensive because of the symmetrical 4WD system which you probably don't need. The gasoline imprezas seem to be gas guzzler even with "slow" engines and you might have to pay more tax on it because of higher CO2 emissions (depending on the canton). I've never driven one, but on paper the non-sport engines seem really slow both in acceleration and torque considering that it's not a small car, made heavier by the 4x4 system.
Also, be careful with used subarus since they can have the famous head gasket issues which can end up being very expensive. I don't know if and when this problem was resolved.
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Old 26.09.2017, 22:43
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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If money is such a big problem I'm not sure getting a subaru is the best idea. They seem to be gas guzzlers even with "slow" engines and you might have to pay more tax on it because of higher CO2 emissions (depending on the canton). Also, be careful with used subarus since they can have the famous head gasket issues which can end up being very expensive. I don't know if and when this problem was resolved.
Thanks.

No, people misunderstand me. Money is not a big problem. It's just that I don't want to pay ridiculously much for a 3rd party insurance for a car, if I can pay much less for some other car. Yeah , I know I can buy a Ford Ka+ and pay little insurance, but my dad told me he would buy me the car, it's just that I must pay for the 3rd party insurance myself. So I want one of the cars I listed in the beginning, I just wanted to know more about how they calculated the 3rd party insurance. Some say the insurers won't care about the car, only the driver. But one guy told in the beginning, "for 3rd party insurance, a Kia is cheap", like if the brand plays an important role. Sorry for being ignorant, but this is all new to me.
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  #71  
Old 26.09.2017, 22:54
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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Thanks.

No, people misunderstand me. Money is not a big problem. It's just that I don't want to pay ridiculously much for a 3rd party insurance for a car, if I can pay much less for some other car. Yeah , I know I can buy a Ford Ka+ and pay little insurance, but my dad told me he would buy me the car, it's just that I must pay for the 3rd party insurance myself. So I want one of the cars I listed in the beginning, I just wanted to know more about how they calculated the 3rd party insurance. Some say the insurers won't care about the car, only the driver. But one guy told in the beginning, "for 3rd party insurance, a Kia is cheap", like if the brand plays an important role. Sorry for being ignorant, but this is all new to me.
Germany has a system of "Versicherungsklassen" where a car that is in a lower class generally has a lower premium. this could be a good indication of a car that is cheaper in insurance, although it is of course another country.

i'll leave it up to you to google it.
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  #72  
Old 27.09.2017, 08:13
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

Toyota Prius - cheap to insure, possess & service
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  #73  
Old 27.09.2017, 08:41
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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Thanks.

No, people misunderstand me. Money is not a big problem. It's just that I don't want to pay ridiculously much for a 3rd party insurance for a car, if I can pay much less for some other car. Yeah , I know I can buy a Ford Ka+ and pay little insurance, but my dad told me he would buy me the car, it's just that I must pay for the 3rd party insurance myself. So I want one of the cars I listed in the beginning, I just wanted to know more about how they calculated the 3rd party insurance. Some say the insurers won't care about the car, only the driver. But one guy told in the beginning, "for 3rd party insurance, a Kia is cheap", like if the brand plays an important role. Sorry for being ignorant, but this is all new to me.
If you have a cooperative father who is buying the car get him to insure it and list you as a designated driver, your excess in an accident will be more but the premium will be less. That way you also build up a driver profile for insurance. Find yourself a good multi company insurance broker, the good ones are an invaluable aid in saving on insurance and making sure you are not over/under insured.
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  #74  
Old 27.09.2017, 09:57
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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"for 3rd party insurance, a Kia is cheap", like if the brand plays an important role. Sorry for being ignorant, but this is all new to me.
The brand plays no role, the weight and size of the car and the engine do, as does the driving record.

Tom
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  #75  
Old 27.09.2017, 11:36
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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The brand plays no role, the weight and size of the car and the engine do, as does the driving record.

Tom
List price of the car may have also an effect and nationality of the driver. For my motorcycles it is surprisingly only the displacement which counts.

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But one guy told in the beginning, "for 3rd party insurance, a Kia is cheap", like if the brand plays an important role. Sorry for being ignorant, but this is all new to me.
That one guy was me. And I did not say "a Kia is cheap" I said a small Kia is cheaper than a Volvo C30, because that was what you specifically asked.

Small Kia like Picanto: cost less than CHF 20k new (list price), engine size max. 1.2 l, max power 62 kW, weight not more than 1100 kg.

Volvo C30: costs more than CHF 20k new (list price), engine size at least 1.5l, power at least 74 kW, weight at least 1280 kg.

But I also said you should contact an insurance agent (one from a insurance company itself or a independent one). Sit down and let him explain what as which effect on insurance cost and in what range the insurance will be. No need to worry if the price difference is in the end just a few francs.
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  #76  
Old 27.09.2017, 11:46
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Re: Least/Most Expensive Cars To Insure/Possess/Send to Car Service

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List price of the car may have also an effect and nationality of the driver. For my motorcycles it is surprisingly only the displacement which counts.
Also the age, the three bikes that are 30+ (but still on normal, not old-timer, plates) became cheaper when they hit 30 ears old.

Tom
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