Corsa Sport or VRS? Opinions please...

[Purac]

I've been a member for a while now, but still haven't got a furby.:thumbdwn:

I have been waiting until i turn 21 in the hope that insurance will be wallet friendly.

Here is my predicament:

I have a 1.6 1999 corsa sport (which i hate)- £1700 fully comp

The best quote i have had for STANDARD vrs is £2050 fully comp. :thumbdwn:

(0 yrs no claims, 3 yrs named driver, 1 driving ban)

Do you think it is worth an extra £350 plus the cost of the car?

Normally £350 wouldn't bother me - for a far superior car. - but i just don't know if i can justify £2k a year on insurance.......

Opinion please guys!!!

[ruku]

Just get a 1.2ltr or a 1.4tdi or something cheaper maybe?

[DayVe]

Pay the vRS premium . . . 99% of people absolutely love them and swear by them (making the extra money worth it).

The only people who dont are people like me who have come from 1.8T's i guess!

[VRS_1989]

Driving ban?

Dare we ask?!

What mk corsa is it that your looking at? Im guessing a corsa B?

I agree with Ruku though, just get a smaller engined car!

[R1chard]

Your premium will probably fall come renewal time though, it wont stay at 2k forever unless your planning on getting some more points ?

You not thought about dropping a 2ltr in your corsa or even a turbo ?

I'm pretty sure you would like it then

[TDi Vrs]

insurance would be higher though with a bigger engine in the corsa then wouldnt it?

[lawry]

Two very different cars, you cant compare the two, get rid of the corsa and get a vrs, the fabia is way better than any corsa.

[matt_theforce]

More money than sense IMHO.

Personally with insurance that steep I would sell the corsa and buy something cheaper, maybe a PD100 fabia with some tuning potential and as the insurance drops modify to suit or then look to buy a vrs or something else.

[BigBadRob]

If you're serious about spending over £1700 on insurance alone, why not just go and buy an old Skyline or Lancer and use some more of the money that would buy your Skoda on the extra premium? I can't even comprehend why you'd pay that much on an insurance premium unless it was a seriously powerful RWD performance car.

For that much I've paid my insurance AND put fuel in my furby all year!

(25 with 3 points, shortly to disappear)

[andypandypoos]

Do you think it is worth an extra £350 plus the cost of the car?

no. wait, build some NCB etc and then get something quick and/or nice to drive

[Rhoobarb]

It depends how easy cash is for you. For all we know you could be rolling in it. If cash isnt the problem per se, its just trying to justify the extra for more of a car, then go for a test drive and find out for yourself if its worth the 350 extra.

If money is a concern to this then no, get the smallest, cheapest, nastiest, unknown korean car (corsas are renowned for higher insurance because lots of young lads have them). Save the money you would have otherwise spent and wait for your ban to go past the 5 year mark. You will not only have a clean license (with regards to insurance anyway) you will have more NCB as well as driving experience under your belt (more insurance plus points). Youll also have a load of money to get whatever mods you want if you still choose to get a furby

For those of us that have to watch money, its what weve all had to do. All good things, etc, etc...

[jasc1988]

woah im 21 and my insurance is less than 400 quid

[XLBaconDoubleCheese]

only u can answer that,iv just paid £1700 for a year, worth every penny imo

[ruku]

woah im 21 and my insurance is less than 400 quid

With all mods declared yea?

[jasc1988]

With all mods declared yea?

[Big Mikey]

vRS if money isn't a consideration. Better than any Corsa. What ya get banned for?!

[Purac]

Thanks for all the replies. Yeah, your all making a lot a sense - downgrade and wait for the ban to go!

i know its the right thing to do - as money is limited! but i just didn't want to admit it to myself! :weeping:

I've had my eye on the vrs for so long now, but i guess as so many on here have done, i'll be wanting to remap it, and then i guess it will be up to £3000.

I don't like to say what i got banned for, because people start to rant off.....DR10....drink driving, although in my defense it was at 8.30 in the morning (alcohol from the night before - not like i was drinking in the morning!)

Its a shame the 'specialist' insurance company's don't offer better prices.... looks like a 1.0l metro for me then!

[Rhoobarb]

Whichever insurance you go to it will be horrific because of the recent ban. Dont feel too disheartened tho, it will go eventually (as long as you are making sure you stay away from the wheel after drinking) and you are still young so you are hopefully less affected. Ive known a couple of people who have had bans for whatever reason (points, etc) and had job/family problems after because their lives and liveleyhood depend on their license.

Get something cheap, if you want to spend money on it, do it on ICE, etc. Stay away from any performance stuff. Be a model driver and you may find that even in a a year or so the insurance may be at a level you can justify, it will get slightly cheaper the further from the ban you get. But I would say that the big drop will be after 5 years when it goes beyond the insurance boundary and you reach the golden 25yo barrier.

[wrusst]

after the first year your premium will drop loads or get the people you were a named driver for go to one off those company's that earn you no claims points, needs a little reserch. but if you do the math a third to half the amount in year 2 may only be 175 difference and probs less

[Purac]

^^ Yeah cheers guys, will have to have a fish around the place