Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About Cheap Car Insurance For 17 Year Olds Help

May 20, 2012

Robert asks…

Cheap Car Insurance For 17 Year Olds Male ?

Hello .. am trying to get insured on a corsa 1.2 sxi and i am 17 years old .. ive been on go compare, moneysupermarket etc and they want 4045 grand a year with pass plus :/ can anyone help me out and get me a list of cheap insurance companys :)

Administrator answers:

Price comparison web sites display prices from all the leading insurers, so if you can’t get the price you want to pay from the prices quoted, there is no point in people suggesting another insurer, as the chances are that the price comparison site will have already quoted for that insurer and you will not find it any cheaper.

With insurance, there is only one way that you can get it cheaper. That is to get some driving experience and no claims discount behind you, but the only way you can get that experience and no claims discount is to take out the insurance at the high premium, then drive carefully and responsibly for a few years to build up claims free driving experience. There is no quick way to low prices.

Contrary to what people think, insurers are not charging these high prices to young drivers just to make a quick profit. If that was the case, there would not be so many reputable insurers that have stopped insuring younger drivers altogether. The facts are that young inexperienced drivers make such a high volume of claims that the insurer has to charge these prices just to break even. It is simply not viable any more to sell policies for young drivers and lots of older experienced drivers are moving to companies that only quote for older drivers as they don’t want to pay increased premiums for the claims that inexperienced drivers make.

So many young drivers are desperate to pass the test and take intensive driving courses to pass quicker. Maybe if these schemes were scrapped, and new drivers were trained and educated properly, there would not be so many accidents involving younger drivers and insurance would be a lot cheaper for them.

As for driving on your parent’s insurance, or ‘fronting’ as it is known in the insurance trade, insurers are aware of all the tricks that people try. They see them every day. They are starting to review prices for additional named drivers so that adding a young driver as a named driver will not be much cheaper than the young driver being the policyholder. They also investigate claims thoroughly, and if they are satisfied that you are the main driver, and you have said that your parents are, they can void your policy for withholding material facts. If you do have an accident, and they void your policy, you will have to pay a solicitor to fight your case for you as the insurer will not help you. If you are found to blame, you will have to foot the bill for the damage to all vehicles, property and any personal injury claims yourself. You will also get up to ten points on your licence for driving with no insurance, a hefty fine, and as a new driver, will almost certainly be banned from driving, so it isn’t worth it. There is only one way to insure your car and that is to do it legally. Those who don’t always get caught in the long run.

Betty asks…

where can i get extremely cheap car insurance for a 17 year old student?

i have recently passed my drivin test and i am looking for cheap car insurance…everywhere i look its is way too exspensive….if any1 could help me out please do…..this doin my head in now…thanks for any help given

Administrator answers:

The only way to a cheap insurance is to get a non powerrful 4 door old beater, pay cash for it and insure it on state minimum, keeping your deductible as high as you can.

Paul asks…

where is the best place for cheap car insurance for my 17 year old son?

Help!! My son has passed his driving test aged 17 but the insurance we’ve been looking at astronomical!! Can anyone advise me on any good deals :)
I’m in the UK

Administrator answers:

Car insurance for teens is expensive because they represent such a high risk. Regard anything under £3000 as a good deal.

Ken asks…

need help to get the cheapest car insurance possible for a 17 year old?

I just turned 17 and I am gutted because I have had to hold off on my driving lessons as I have the money for the lessons and the car but the insurance is WAAAAY too expensive. for cars like a ford KA or a smart car the insurance is between £3500 and £5000! is there anyway to lower this? how much would it go down by if i went on a family members insurance etc. please help. what kind of car will have low insurance.

Administrator answers:

Hi I’m 19 and i found that its really good to go to comparethemarket.com or gocompare (i know the guy annoying!) but i have a 1.1 saxo and it was £1200, still a lot but much cheaper than some people! Try tesco too apparently they are meant to be good :) it does also go down if you add a parent on as a name driver sometimes so try to do that. As i say little saxos are cheap on insurance i think and KA’s should be too! Just shop around thats the key! :) any car around the 1 litre mark :) hope this helps!! Have fun driving

William asks…

I have just passed my driving test, I am 17 years old and I need help on car insurance?

I know it is very hard to get cheap car insurance for 17 years old and a new driver, but surely out there is a good deal for young drivers and isn’t too expensive.

Administrator answers:

If you maintain good grades there are some Auto Insurance Companies that will give you a discount….check AAA.

Donna asks…

car insurance for a 17 year old?

what is the cheapest car insurance company for a 17 year old. (people with recent experience would be very help full)

also what car would be cheapest to insure. (would an old car e.g 1980s early 90s be cheaper than a newer car)

i am looking at third party insurance and not comprehensive

Administrator answers:

Just call a few browers in your area.,.. They can usually shop your insurance to several companies & get the best deal for you.
Or just use comparison sites.

Chris asks…

HELP! Car & Insurance for 17 year old.?

Hi, I’m 17 in a week & will be starting my driving lessons. I have my theory booked for a few days after & aim to pass in around 6 weeks, depending on the waiting list for the test, having 3-4 lessons a week. Driving a car isn’t a problem for me, have had plenty of practise on tracks in my dads weapon ;) & have for the last 8 weeks or so been going to an empty industrial estate one or twice a week, driving my mums cooper S or occasionally my uncles M3. Just need practice with the ways of public roads from my instructor. Anyway, as you can probably tell I’ve had a fair bit of experience driving fairly fast cars, so thats where i need advice – can anybody suggest any fairly fast cars that are reasonable to insure? or any cheap insurance company’s, or any ways to get insurance down, as long as they aren’t completely ridiculous lies, I want to keep it as legit as possibly ideally. So far I’ve been quoted £1600-ish on a standard golf on my mums insurance, but ideally want something a bit quicker then that. My budget for a car + insurance overall is £4-5k. My ideal car would be a GTI, anybody know where i can insure one cheap-ish?

ALSO, *PLEEEEASE* no do-gooder’s telling me it is ‘fronting’ to go on my mums insurance, I am well aware of this, however I am also aware that if the car is registered in my mums name with the DVLA, then they don’t have a leg to stand on. I have checked this with one of my mums friends, a solicitor. Also, nobody telling me that I ‘wouldn’t be able to handle the power’ or that I’d ‘kill myself’, believe me, I’d smoke you ;) .

Sorry its a bit long, please help! :-)
@Johnny DJ, thanks for the info & not patronising me about it!

With regard to whose name to insure under, I have found a company that lets you build NCB as a named driver, and I think it was about 5k just to insure it in my name! :(

And diesel was something I hadn’t really given much too to be honest, but I think I’ll shop around & have a look at diesel cars in general if they have cheaper insurance!

And I’ll also look at those Clio’s, I’m not too keen on French cars styling wise & due to bad reputation for been unreliable, however with diesels been much more reliable than petrol in general anyway I think I’ll give it a look! Thanks again!
@Modified dog – don’t judge my driving skills when you don’t know me, all my family race & love track days, I’ve been brought up to want to drive fast & my dad often lets me take his car for a spin around the local track, telling me where I need to improve e.g. braking later, changing smoother etc. Dont be a asshole, I’m not infantile, I just love cars and love to drive. Like I presume you may love to look at other men.
@maia, my attitude is not smug and self satisfied, driving is simply a hobby for my – i really do fail to see anything wrong with that! As for me dieing, I really don’t think you know what your talking about, I don’t even know why I’m bothering to reply to you! My dad has just turned 40, his first car was an xr2, and my uncle (fathers younger brother’s) first car was an rs cossie! (you may have to google what these are, you seem to be pretty uneducated in the subject you are talking about). Fast cars are just a thing in my family, and both are encouraging me to get one, and think its really unfair I’m not going to be able to because of the ridiculous insurance prices – they wern’t that high when they were 17 and neither of them ever crashed!

As for 25% of deaths been 17-24, yes I really can see why. Please do not confuse me with somebody who is going to drive like an idiot, another common beleif in my family is that young people drive like idiots because they
.
Right, this is tyrone’s father – and I’d just like to say I’m shocked at what everyone’s saying to say the least. One person provided a decent answer trying to be helpful, the rest decided to be stuck up c*nts, stereotyping my son! I’m his father, and if my only child was to kill himself on the road, then I’m the one losing everything, not you, so if I’m confident he woulndn’t drive unsafely, I fail to see why you judgemental wankers do!!!!!

With the regard to the person who said cars were less powerful back in the day, you clearly do not know what your talking about. A sierra cosworth had about 220 hp if i remember right, a golf gti has about 130. in 2 things i expect weigh roughly the same thats a BIG difference. please educate yourself better about the subject you are trying to preach to my son about.

And then another judgemental arsehole, who seems to think they know my son. hes not going to treat roads like a track, id kill him! & im not trying

Administrator answers:

It’s not actually much cheaper if the car is in your mothers name. It goes off the lowest common denominator, that’s you.

In my opinion, its worth putting the car in your own name, and insuring it in your own name. It may be slightly more expensive for the first year, but once you get that first years no claims, you’ll be laughing.

As far as cars go, any decent Gti type car will be out of the question, unless you get a £500 banger and pay £4,500 insurance.

Why not look at a diesel? They tend to be a bit cheaper to insure and you can get pretty powerful ones, with lots of torque. Great in a small car like a Clio. I had a 2004 Dci Clio with 100 BHP. I doubt you’ll get better performance than that. My insurance AND road tax was £200 a year. (Not 2000!)
I believe that later versions have 105BHP (and the same torque as the 2.0 petrol).
You should be able to get one of these and insure it for 5k.

Lizzie asks…

Best way to get a car and insurance for 17 year old?

I’m 17 years old and wanting to buy a car. But the insurance is far too expensive and I don’t want a car that is too second hand but still quite cheap if you know what I mean. Three people who can drive in my year have cars and theres somebody who has got a car ready for when he passes his test. I don’t think they are all loaded so I don’t know how they have done it. Thanks for any help.

Administrator answers:

The same way we all did and you get to do next, when you get your car, you sit down at your telephone and use the yellow pages and cal 10 or 12 local agents. Make notes , and pick the one that works best for you. I can call about 10 or 12 agents before wanting to barf. But I do get tired of the greedy insurance companies b s.
Without a year , make and model of car you cannot get a valid quote, my guess is you have been wasting time and energy on these online sites that promise the moon and stars and give nothing, ask lots of personal questions, and then leave you with excessive worthless quotes. All those sites are doing is compiling mailing lists for people just like you. They then sell the information gathered to anyone who willl pay for it. Stop wasting time on internet sites. Save your money, you cannot shortcut the insurance process. YOU NEED A CAR FIRST.once you have a quote on the telephone that works keep in mind that if you do not get any tickets or accidents your rates will come down after the first policy period you will no longer be an assigned risk. So dont let some sad sack borrow and wreck your car. Dont teach someone how to drive (great way to total your car) and it does not matter how cute you think she is, let her drive her own car.
These are hard earned tips that you better learn quick, or you will be out there with a busted radiator going what the Fk? While waiting for a tow truck.

Donald asks…

how to get cheaper car insurance for 2nd year? haggle 17 18 year old driver car insurance renewal price No NCB?

ok so i am 18 now, insured my car for 10 months with Admiral on my brothers policy as a named driver and it cost me £1450. The 10 months have passed ad they have sent me a renewal price of £1200, is there anyway i can get it cheaper than this? could i haggle with admiral or go to another company and show them that my renewal price is £1200? also, my car is a 1.0L 2002 seat arosa, would i be able to swap it for a 1998 1.4L seat arosa (they are like £600 less) or would the insurance go up? please help! thanks guys
OK EVERYONE HAS TOTALLY GOT THE WRONG END OF THE STICK HERE! MY BROTHER OWNS THE CAR, I’M JUST ON HIS POLICY, WE USE IT EQUAL AMOUNTS (HE PROBABLY USES IT MORE) SO I AM NOT DOING ANYTHING ILLEGAL. JUST TO PROVE THIS, IF IWAS FRONTING, WHY WOULDNT I GO ON ONE OF MY PARENTS POLICYS WO EACH HAVE 20 YEARS NCBS RATHER THAN MY 21 YEAR OLD BROTHERS WHO HAS ONLY 2? COME ON GUYS, HELP ME WITH SOME PROPER ANSWERS !!!
OK EVERYONE HAS TOTALLY GOT THE WRONG END OF THE STICK HERE! MY BROTHER OWNS THE CAR, I’M JUST ON HIS POLICY, WE USE IT EQUAL AMOUNTS (HE PROBABLY USES IT MORE) SO I AM NOT DOING ANYTHING ILLEGAL. JUST TO PROVE THIS, IF IWAS FRONTING, WHY WOULDNT I GO ON ONE OF MY PARENTS POLICYS WO EACH HAVE 20 YEARS NCBS RATHER THAN MY 21 YEAR OLD BROTHERS WHO HAS ONLY 2? COME ON GUYS, HELP ME WITH SOME PROPER ANSWERS !!!

Administrator answers:

So what your saying is for the last 10months you have been driving around with void insurance due to committing fraud to get a lower premium. An offence that both you and your brother would be charged with by the insurance company.

You MUST be the main driver on your own car NOT a named driver and you are one of the main reasons insurance is so expensive.

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