Also, If I get a run-down older car, I'm not even going to put collision on it, it'll be liability and hospitalization stuff, but if it gets wrecked, toss it and buy a new one of the same quality/price. I'm hoping I could negotiate that car down even a bit.
I know its alot, I probably would get it down to about 6k. I know its alot for a 21 year old car, but not too steep for the a car of that mileage. I did look at one for on Craigslist for $1000 and it had 212k miles on it. I decided to walk away because he wouldn't throw in the Cassette deck. I really want a 240, the turbobrick is a good car and I have some contacts who specialize in Volvos and might be able to get me a cheaper restoration through them or restore one I hand them for my use. I am thinking small, tankly, and a rock on the road that I won't be killed in if I get hit by one of my peers SUVs as everyone speeds (55-110mph) on the road leading towards my school.
Oh shiz its the shoebox volvo.. my old boss had one of those.. admittedly its built like a tank, and feels like you are in one when its driving. But 8K that seems a little steep, you could probably pic one of those up over here for less than £1000. If you actually decided to go with the armour plated shoebox.
Not sure how insurance is wortked out over there. but if its based in any way on engine size and things like that your best bet is buy a little dinky ass car like an old puegot 205 or even an old fiat panda.. Besides its your first car, expect to crash it, or be crashed into within a year. Never make your first car something you really want. leave that until your second or third car. when you have that extra experience under your belt.