Trying to get insured on a 2004 Golf...

Hi,

I am a 21-year-old female with a provisional licence and looking to get insured on a car. I have been asking insurance companies and they have given me quotes of roughly €3,000 on a 2004 Volkswagen Golf. Am I better off buying a newer car? Will this bring down the price of insurance?

Alannah C

Dec 2019 Filed under: insurance

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Expert answer

Hi Alannah,

Probably not much, no, though insurers seem to be wary of cars over 10 years old. Saying that, when you’re under 30 and on a provisional, you’re the risk factor, not the car. Keeping the engine size as small as possible will help (closer to 1.0-litre is better), but it won’t make a huge difference. 

Neil Briscoe - Complete Car Advisor
@neilmbriscoe