68000 for a 99 car is good. An average motor owner travels 12k a year...
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i found a 2000 1.1 but with 90,000 on it, i'm devastated :')
Tbh unless your planning to keep this car for more than 2 year mileage isn't rly an issue, my fiesta had 102k miles and works perfectly it was just used for work travelling to London everyday
If you're going to try and debate, get your facts straight first. Insurance is calculated on; Gender and Age (which you said) but also is calculated using your postcode, you could live in a high-risk area, there are postcode risk groups of (iirc) A-E, A being the lowest premium and E being the highest. Another factor for insurance is driving experience. You could be 20, and just passed your test, or 20, and have been driving for 3 years.
It also (as you briefly mentioned) depends on the car. Cars are grouped in insurance groups 1-20 (which is now being changed to 1-50,) so check that out first, get a quote before you buy the car otherwise you might be stuck with a car you can't insure.
Putting your parent as the main driver on a car to keep the premium down when in fact YOU are the main driver IS illegal and is called fronting. The insurance companies will take your money for it but in the event of a crash they will class your insurance is void, not pay out and in the worst of situations you can be prosecuted for no insurance. Worst case scenario you have to pay for your everything and take the 6 points and possible ban.
Oh and just to be petty, the pound sign goes BEFORE the amount.