Questions and Answers
Your Questions About Cheap Car Insurance For 17 Year Olds Female
How much does it cost to get your first car?
I am 17 years old, female, and i live in ottawa
i got my g2 september 2010 and i took drivers ed
im wondering how much itd cost if i got a fairly cheap car and paid insurance for a year
please see these article on getting your first car in Canada:
Hope the above links help!
What’s the cheapest car to insure for a 33 year old female who’s had a licence for 15 years+ but never owned?
I’ve driven for 15+ years (since I passed my test at 17) regularly. Mainly hire cars, insured on other people’s cars (legally!) and Streetcar. I’m now looking to buy, but the insurance quotes coming up are minimum £1500, going up to £2000.
What’s the best car to buy to keep that insurance premium down?
I live in Hackney E9 and have on street parking which might be part of that problem.
With your address and street parking it will be expensive anyway but the cheapest will generally be any car below 1.2 litre, not sporty and between 5 and 10 years old
Cheap car insurance for a 17yr old female, help!?
Right havent passed yet but been looking as I had last year, last year the cheapest I found was with Quinn-insurance on a Seat Arosa 1.0 2000 3DR, which was something like £700 for Third Party F&T. Now ive been looking everywere, on compare the market, confused, elephant etc and its all like 1500 for Third party F&T and well over 2000 for fully comp urgh I cant believe its gone up so much, cheapest ive found so far is with tesco for third party is £1300, which i still think is alot! I no with Quinn it was trying to break into the car insurance market and well obviously got in, is there any other companies that are taking there route? I know it was really cheap and nice.
Im not sure if its an arosa I want I did want a yaris 1.0 but thats like 1600 on tesco now , its either..
Seat Arosa 1.0
Peugot 206 1.0
Toyota Yaris 1.0
Renault clio 1.1
Citreon Saxo 1.0
But cheapest one ive seen so far is for the Arosa, anyone got any companies I could try quote for??
Also another question, I know i cant pay monthly as im 17, however would high insurance groups like directline allow my mum to pay monthly but in my name? and then i can just pay her directly.. is that possible? or even with tesco?
im in the UK btw.
Unfortunately there is no magic answer to your problem. I have recently had a good deal from Adrian Flux but it does not mean that you will get one too.
Sometimes understanding how the premiums are srrived at can help although you cannot always do anything to change the situation/circumstances that arise. The car when looking at wha you are is a small part of it.
There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance – these are mainly;
1 Age and sex of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers.
2. The cars age, mileage, value, insurance group, security and the companies own claims history for that vehicle
3. The occupation of the policyholder and any named drivers
4. The claims history of any drivers
5. The licence details of drivers (endorsements, length of time held)
6. Where the car is normally kept overnight (is it the policyholders address? On road is more expensive than on a drive which is more expensive than in a locked garage).
7. What use will the car be insured for, social and domestic is the minimum but if commuting and use for the policyholders business or their employers business is added the price increases. If used to commute where is the car to be parked when there – on road or in a car park.
8. Does the car have any modifications from the standard factory fresh condition like alloy wheels or performance enhancements – some insurers will refuse to cover modified cars, some will increase the price and some will cover them but only for return to standard.
You need to tell the full truth about everything asked and inform them of any changes to any of the details disclosed as the policy goes on – failing to do that can render it null and void.
Some younger drivers consider putting the car and insurance in a parents name with the parent as a fraudulent main driver and them as an occasional named driver to cut the premiums. This common scam is called “Fronting” and is an illegal act which can get parent and son/daughter into a lot of long lasting expensive troubles.
Most insurers offer a monthly payment scheme and most need about 15% up front to start the cover. The scheme is usually in the form of a loan and so interest is charged – this can be as much as 25% APR. This is usually at rate which is higher than most credit cards even charge so look at other ways to borrow the money to spread the cost if possible as it will be cheaper. I am suprised that even at 17 you cannot do this although getting Mum to borrow the money somewhere, even on a credit card and you paying her back that way will normally be cheaper.
What is a good choice for a first car?
I’m a 17 year old female who (fingers crossed!) will pass their test in the not too distant future. I have a maximum budget of £2500 and am looking for something which will be cheap to run and insure and won’t cost a fortune to maintain. Can you also give me some information about insurance, e.g. group, type. Thank you!
Try looking out a Toyota Yaris second hand, they are terminally reliable and small engine sizes, cheap to tax and beloved of little old ladies, so fairly cheap to insure. You will get more mod cons on a far eastern make than a european car, so should get more for your money regarding nice trim, electrics and buttons and bells! Other good bets are Kia Piccanto and Hyundai Getz, again not the usual choice for new drivers, so the insurance should still be reasonable. Steer clear of Fiestas, Clios, small Peugeots, Citroens, Fiat Punto..all the choice of new drivers so your premium may be higher than other makes. VW Fox, Polo are reliable and may hold their value better, but may be more on insurance.
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