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I think you are very lucky to even consider a new car.
I have to say though putting a kid in a powerful car is not always a bad idea. Inever had a beater I got to drive the family car. Which were vriously quite powerful machines. It taught me how to handle a car with grunt but with the added advantage that if the crash didn't kill me my father would I therefore looked after it and didn't (ok very rarely) got into situations I shouldn't have.
Insurance will be hideous, and its for a reason 18-25 males are the most likely to have an expensive accident.
Well, I am 20 years old and the Mini is my second car having owned and driven my grandfather's 13 year old Ford Granada 2.0GL for the first year of holding my driving license.
In all honesty the Mini is a very sensible car for someone as a first car if your family can afford it. Speaking from my own experience of owning a Mini in the UK, I know for a fact that I spend a lot less on running costs over the course of ownership than friends of mine who own older cars, such as Fiat Puntos, Ford Escorts, [insert typical student car here].
As an example, the Mini is insurance group 5 in the UK which is amazing considering its a 1.6 litre engine. I pay less for my fully comp insurance than my friend who drives a Fiat Punto.
Don't let anyone convince you otherwise Nathan, just go for it. The Mini is a fantastic car to own and by far the coolest car a young driver can have.
The MINI One may be insurance group 5, but as Nathan lives in the US, the choice is between the Cooper or the Cooper S. The Cooper being 8 and the S being 15. Still not much though for a car of this power.
Great engine really - you can drive it quietly/refined/relaxing if you want by changing down up to 4.5k, but if you want it to be an agressive, fun, performance car, keep it 4.5 - 7k. And good economy as well, when drived reasonably sensibly
The MINI is great at handling as we all know, so it's ability (depending on driver's ability) to get out of sticky situations is second to none, but as far as Cooper V S goes, I'd say the S was OTT for a brand new, young driver.
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