Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About Cheap Student Car Insurance New Driver

May 4, 2012

John asks…

Is Insurance typically cheaper for a safe driver on newer cars or older cars?

I have a 2003 Hyundai Accent that is very reliable and have no problems with it; I want to get a 2010 Honda Civic and give the Hyundai to my mother. I’m a “Safe Driver” full-time student that is 18, had license for 3 years and No accidents or tickets. I’m on with my mother’s insurance. Would the 2010 Civic typically cost more to insure that the 03 Accent?

Administrator answers:

It depends on about 1,000 different things, not just the age of the vehicle.

My 1966 Bonneville is exactly the same amount as my 1996 Honda Prelude. And they have the same amount of coverage on them.

Meanwhile, my 1989 Supra, was cheaper either one of them. And it was a sports car.

Richard asks…

What’s a good starter car for a new driver?

college student here,I just got my license, now planning to buy a decent cheap second hand car… at least til i graduate and get started working full time. i’m looking for something to build up my driving experience, something that wouldn’t kill me on car insurance, and a gas saver as well, something that would last me 2-4 years at least.

Administrator answers:

When buying a new car, there are many factors to consider. Along with a good economy (which generally comes with small diesel engines) you also have to consider other running costs such as tax and insurance, how much parts cost and also how reliable the car is in the first place. Most importantly when you first buy a car, the earlier stages of driving you are most prone to crashes, so ensure that you get a car with a high Ncap crash test rating. Make sure, before you purchase the second hand car, that you have found out about it’s past (that it hasnt been a write off etc) and also consider that although aftermarket modifications are ‘cool’, they make a car depreciate more, can up the insurance and limit the cars audience when you come to resell. In general, cars that have been modified usually have been thrashed which could damage the engine and chassis of the car. Japanese cars (Honda, Toyota, Nissan especially) are very reliable however are usually more expensive to buy and insure. The extra cost is worth it though becuase it will save you time getting repairs done. Good visibility is also a plus.

Lizzie asks…

Best Auto Insurance for a safe driver, but on a “risky” car?

I am a 21 year old female driver of a 2002 Mitsubishi Lancer OZ Rally. It’s the cheaper, basic version of the turbo-charged “2Fast2Furious” racing inspired Mitsubishi Lancer Evolution.

I have never had an accident or received a ticket for anything (I have yet to even be pulled over!) knock on wood! So I have a clean record….but my insurance per month is $185 through Citizens Insurance!! and it just recently went down from $205!
That’s including multi-car, multi-policy, good student discounts too…

I know an option is to sell the car…but it drives like brand new and I have put so much into it (basic maintenance….no, I do not race it at all…it is completely stock), it is the best little car and has never given me any problems except for insurance. I would be afraid to sell it for some other used car that would be better on insurance but end up costing me more in maintenance in the long run
The car is also completely paid off, so that’s not a worry

Administrator answers:

The best advice I can give is to shop around. Traditionally, insurance companies don’t like young people in fast cars but you seem to have a good, clean record and you could just find a lower quote.

Here’s a website with some advice as to how to shop around for auto insurance. I hope this helps.

Good luck!

Nancy asks…

Car Insurance HELP? which would be cheaper?

im not asking for a PRICE,but which out of these 3 cars do
you THINK would be cheaper on insurance for me. I am a new
driver,I have good grades ( good student discount ) and Im going
under my moms insurance.

-2004 pontiac grand prix
-2006 chevrolet impala
-2006 pontiac G6

I dont need any websites to find cheap car insurance
i just need opinions on which you think will be cheaper and why
thanks! = )

Administrator answers:

For car insurance the easiest method to get a free quote is do a auto policy comparison. Be sure to choose the same coverage levels, you can get an accurate quote to compare against others. Use the same zip code, auto make and model, mileage and driving history to make sure you get an apples to apples comparison. To get fast auto insurance quotes, go to and you can compare the major auto insurance companies.

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