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InsureLearnerDriver | August 15, 2018

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First Car Planning Covered

First Car Planning Covered
Paul Daly

You may have imagined from an early age what your first car will be, but your dream car is not always achievable or realistic.

It’s a good idea to look past the colour of the car or what radio it has and look into how much the car will cost you in the long run. You can avoid the shock of how much the tax and insurance of your first car may be before you purchase by comparing and evaluating them before you commit yourself to buying. So, when looking for your first car use websites such as Whatcar.com and Parkers.co.uk to help you filter out the pros and cons from such a huge selection of cars available to you as a first time driver.

First Car Things To Watch For

Tax

All cars are categorised into a tax band which is based on how much co2 the car emits. Look out for some new cars that do not need tax as they produce less than 100g/km emissions and therefore fall into Tax Band A. Having no tax is a huge advantage to have, as it will save you both money and the hassle of renewing every 6 months – 1 year. So it is certainly something worth looking into before you commit yourself to buying a car. Remember that from October you will not need to display a tax disc on your car as tax is going digital!

Insurance Groups

This can get complex so we are going to skip the jargon. The car you buy will fall into an insurance group depending on the car, your postcode and your age. The lower the insurance group the cheaper your car will be, so watch out before you buy.

text about learner driver insurance over a photo of a long empty roadSize Does Matter

You may want to consider getting a small car for your first car so that you are not out of your depth and feel as though you are in total control of the car you are driving. Look at the dimensions of various cars and compare them to what you think you’ll be comfortable with.

We have compared 4 of our favourite first cars and as you can see some have benefits in some areas more than others. However, with enough research you will find what is right for you.

Mini Hatchback: 2006 – 2013

Length 3699 mm – Width 1913 mm
Insurance group – 8
Tax – 12 months = £110

KA: 1996-2008

Length 3629 mm – Width 1827mm
Insurance group – 10
Tax – 12 months – £180

Ford Fiesta Zetec: 2002-2008

Length 3918mm – Width – 1907mm
Insurance group – 9
Tax – 12 months – £145

Volkswagen Polo Hatchback: 2002-2009

Length 3916mm – Width – 1650mm
Insurance group – 4
Tax – £145

So before you buy your first car think about the practical side of things. As a new road user doing a bit of research will not only help you to get the best deal at the time but also save you money in the long run.

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