Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About Cheap Insurance For New Drivers Young Drivers

April 28, 2012

Michael asks…

my friend has been driving for twenty years so many as taxi driver, he cant get cheap insurance?

why can’t he get cheap insurance for being an experienced driver. same as for example myself driving for 19 years no convictions or claims,only down fall being a named driver on spouses insurance. i know to get the no claims bonus i have to get insurance in my name. but wow what a fair wack, for being a careful and honest driver all these years.any info would be appreciated.i think it unfair that we should pay the same as a new and young driver with no experience. many thanx for any help

Administrator answers:

You should be able to get inexpensive insurance if you shop around and get a variety of quotes, or even use a broker and let them do the work.

They do consider a number of different things when giving a quote. Of course, they consider your driving record/history, but also, your credit history, the type of car you have, how much you drive, and even where you live. The less risk they consider you, the lower your premiums.

Lizzie asks…

My 18 year old daughter needs cheap car insurance.?

My 18 year old daughter passed her driving test today and is struggling to find reasonably cheap insurance. She has tried all of the main players and has gone through the various comparison sites but hasn’t found anything below £1700 and if she asks for monthly payments then the price goes up by 50%.
Does anyone know of any companies who specialise in young new drivers, maybe who provide insurance on a three or six monthly basis?
Grateful for any and all suggestions.

Thank you.

Administrator answers:

Try co-op young drivers insurance, it’s really cheap cos they put a little smart box in your car which monitors your driving.

My insurance was £1100 and i’m a 17 year old boy so for her is should be cheap

Jenny asks…

young drivers car insurance!!?

I am 17 at the moment but planning on getting the insurance when i turned 18 at the end of this month to make it that bit cheaper, I already own a Renault Clio (1.2L, 16v, 02 plate). The cheapest quote ive got is £4,000 (£300 a month) and that’s with co-ops new fit smartbox for young drivers, and i also have my dad as an additional driver and my mum on it with her provisional licence and I really just cant afford that price, any ideas on what i could possibly do?

Administrator answers:

Take an advanced driver course, this will not only reduce your insuramce costs but teach you how to drive, not how to handle a car in order to pass a test.-.! In some cases up to 20% can be saved

Daniel asks…

Young drivers car insurance!!?

I am 17 at the moment but planning on getting the insurance when i turned 18 at the end of this month to make it that bit cheaper, I already own a Renault Clio (1.2L, 16v, 02 plate). The cheapest quote ive got is £4,000 (£300 a month) and that’s with co-ops new fit smartbox for young drivers, and i also have my dad as an additional driver and my mum on it with her provisional licence and I really just cant afford that price, any ideas on what i could possibly do?

Administrator answers:

You should be very careful how you go about buying insurance; you get what you pay for.,..look for value as well as price…spend a couple of extra bucks and get good insurance rather than “cheap”, it could cost you A LOT more in the future.

Helen asks…

Cheap Car Insurance Help.?

I am an 18 year old boy and have recently passed my driving test, i am looking around for cars but the insurance is a joke, the cheapest i have had is £5000.

Anyone know what cars are cheap to insure and what insurance companies are cheap for young new drivers?

Administrator answers:

The problem is your age. Insurance costs are based on driving age and experience, driving record, location, cost of vehicle, type of vehicle (sports car) etc. To help with the cost it is usually better to be listed on your parents policy. It will also save you money if you get an older model car that is paid for so that you can carry liability only. Also, a truck or 4 door car should be less to insure. Dont get a sports car, for sure. Good luck

Susan asks…

23 year old female been driving for a year and few months and need to start own car insurance, help!?

I drive an N reg ford fiesta, bit of an old banger! so far since I got my licence in july 2006 I have been on my dad’s insurance. Now I need to get my own, so far I have been getting really high quotes are told I am not suitable! any cheap insurers for new young drivers? tried the girl ones like dimond and sheila’s wheels and no luck!

Administrator answers:

That is the problem…teen drivers trying to get in without a past history are charged the maximum just because…and the insurance industry thinks they are right….But sometime you will have to be on your own….be as close to the age of 25 and thirty as you can …to save money. Otherwise as long as you live at home, pay dad and let him keep you on his policy…

Nancy asks…

Classic Car Insurance for Young Drivers, Help.?

In the UK how old does a car have to be before it comes under classic car insurance also how cheap is classic car insurance? I’ll be 19 when I come to buying a car and was looking at cheap insurance, will have been driving for 1 year, I will have no, No claims bonus’

If it’s cheaper than smaller newer cars, What classic car would be worth looking at?

How old does the car have to be before it’s classed as a ‘Classic’

Make your you answer relates to UK rules/laws and what ever else USA rules/laws mean nothing to me and won’t help.
First guy to answer was no help what so ever, I didn’t ask about up-keep, I’ve had a car for a year and know what im doing and how to up-keep a car, Also repairs are not an issue. I’ll be buying the car from my own money I’VE EARNED so I’ll appreciate anything i buy.
Second answer was perfect would of rated it up but i can’t cus im not level 2 or what ever, told me everything i needed to know since basically I can’t do it.

Administrator answers:

UK answer -
Forget it as you cannot get classic insurance under 25. That would be a loophole far too big that if it was ever open got closed long ago.
The insurers know that younge drivers could do this to cut costs and even though you may be genuine it just ain’t gonna happen.

Betty asks…

Insurance information for young drivers?

Im 22 years old. I currently on my mom’s insurance so that it’s cheaper and I recently traded in my other car and got a new one. How much do You think insurnace would cost if I got it on my own. I pay 130.00 now for full coverage? I don’t get along with her and I wold perfer not to have her on my title. I was told I needed to have her on my title in order to be under her insurnace?

Administrator answers:

No one here can tell you what some insurance company may charge you for some car you may buy. There are dozens of variables. Choose a (hypothetical) car, call a few insurance companies and get quotes. Note: It is always cheaper to pay for a 6 month or annual policy as opposed to monthly

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