Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About Cheap Student Car Insurance Quote

June 27, 2012

David asks…

Learning to drive, cheapest way of buying & insuring a car to practise/use after passing?

Mum has a drivers licence so she could be insured a main driver (which she would be) with me as the named driver, but what is the best way of going about this? any tips on cheapening the insurance as much as possible? im 18 and a male student, so obviously looking at internet insurance quotes is really frightening me!.. only really need insurance for 6-7 months but mum will keep car while Im at uni

Administrator answers:

Have a look at this site

http://www.provisionalmarmalade.co.uk/?gclid=CMzM2Myz8aYCFQZO4QodjjZmGg

Good luck

Robert asks…

Young Car Insurance?!?

Hi!
I currently have a Peugeot 306 1.4 Meridian

I’m 18 years of age, and my test is in a few days!

I’ve been filling out forms on the internet, and phoning various different companies for quotes! The cheapest i have recieved so far is £4,800 for a thirdparty fire and theft cover!

How, as a student am i supposed to get my hands on that type of money?! Its pathetic how we’re expected to pay so much!

Is there anybody out there, who can help me get a cheaper quote! I wouldn’t mind if it was £2000 even, which is still a pathetic price for me to drive to college and back!

Thanks in advance.
Jamie

Administrator answers:

” Its pathetic how we’re expected to pay so much!”

It only costs so much, because young drivers are the highest risk and most likely to have an accident. The fault lies with the drivers, not the insurance companies.

Betty asks…

Do I need to change my Car Insurance? What do i need to do?

I am a foreign student in United States. I stayed at California for 2 years. Now, I moved to Indiana State.

I have a car Insurance with California address. My License plate is still California’s.

Do I need to do anything with my insurance?
When I tried to do a trial quote for changing address at Geico, the quote for new address is almost 2 times more expensive than the old one. I don’t know what to do. I believe Indiana Auto insurance must be cheaper than that of California.

Should I just cancel it and start a new one? Do I still need to do anything with DMV?

Administrator answers:

Find an independent agent, and tell him you have moved from CA to IN and you need insurance. That’s assuming your current insurance doesn’t cover you in IN, call them and ask about transferring it they do. Do not cancel your current insurance until your new policy is in effect.

Once you are insured and have your card covering you in IN, go to the DMV.

For registration: Register Vehicle as New Indiana Resident To register your vehicle as a new Indiana resident, you will need to visit a license branch and provide your vehicle’s Certificate of Origin and Odometer Statement. You will also need to show proof of insurance.

New residents must also apply for a title before receiving a license plate at a branch.

You will also turn in your old drivers license for a new one.

An applicant for a new Indiana operator license who holds a valid photo license issued by another state, the District of Columbia or U.S. Territory must successfully pass a written and vision test.

Maria asks…

How can I find out the value of a car?

I’ve been checking out the cost of car insurance for myself however, I have to guess how much cars of interest are worth and therefore my insurance quotes aren’t reliable. I have the Parker’s Car Price Guide but this isn’t useful as it only says how much I should expect to pay and not how much each car is worth. Can you recommend any books or websites which may be helpful?

Also, I passed my test in March and hope to get my first car for when I start university in Sept/Oct, can you recommend cheap running, low insurance cars ideal for an 18 year old student? My cars of interest already include the Ford Ka, Vauxhall Corsa, Daewoo Lanos and Renault Clio, all pre-1998.

Thank you in advance.

Administrator answers:

Http://www.parkers.co.uk/ is pretty good i have had no trouble.

Or use autotrader and assess against a similar vehicle you are interested in!?

Also http://www.ur1stcar.co.uk/ is a very very good site for gaining info on what car will be the best for your 1st by using your criteria and is extreamly easy to use!!

Oh and also Ford KA 1.3 around 8-9 years old is a very good option for us young drivers, if i didnt have 2 kids i would have one of these for sure!!! Cheap to run, cheap insurance, cheap tax, reliable, fun to drive, easy to park (small), common so parts are readily available new and used! Also quite a cute car little car with a hell of a lot of character! Apart from the 2 door issue and not a huge amount of room in the back i cant see any reason why not to buy one! :-P

Hope this helps! :-) Have fun at Uni.

George asks…

Teenage car insurance help!?

Just passed my driving test today, im 17 and am a part time student. Wondering if any of you know any good and cheap sites/companies that will actually quote young drivers and not at stupid prices (been quoted 4400). Not too bothered about any restrictions. Thanks

Administrator answers:

What country are you from?????in usa lot of states have laws that underage living at parents home can go on moms insurance/they cannot enter into contract (aka) insurance co.

Lisa asks…

Car insurance in new york state?

i know there are 3 types of car insurance; Liability,Compensation and another,and the combination of this three makes auto insurance very expensive,but i also heard you can chose the one that best suit your needs than to take all three so that your monthly auto insurance expenses could be slashed almost 75%.My question is,as a resident of NY state,am i allowed to just take the insurance i prefer,eg if i want just liability insurance,i just pick that one and ignore the others to lessen my monthly auto insurace.Is that allowed?From the online quote of GEICO which claims to be the cheapest in the NY state,am to pay $550,which is wayyyyyyyyyyy to expensive for a student like me and so heard about choosing one option of auto insurance.Can i just choose the form of insurance i want or is IT COMPULSORY TO TAKE FULL AUTO INSURANCE in NY or America as a whole?

Administrator answers:

In NY State, liability is the only mandatory insurance that you have to carry. Keep in mind, liability insurance (personal injury and property damage) have nothing to do with yourself, or your vehicle. It’s liability insurance should somebody else be injured by you and your vehicle. The personal injury limits and property damage limits are for other people, should you injure them in an accident.

Optional coverages, are collision and comprehensive. Should you wish to insure your vehicle for theft, glass damage, body damage, etc……you can pay for this additional coverage. Now if you have a car loan on the vehicle, these coverages become mandatory. If you own your car outright, they are optional. With that said, if your car is a 1990 Ford Taurus worth about 500 bucks, you don’t need these coverages. If you have a 2000 Honda Civic in nice shape which is still worth about three grand, I’d pony up for the comp and collision.

Hope that helps. Cheers.

William asks…

Good deals on car insurance?

Ok so me and my wife have been insured by American Family Insurance and pay about $400 a year. My 17 year old son recently got his license and we want to add him to our policy. He barely drives (we only have one car), but we want to add his name just in case. When I asked Amer. Fam. Ins., they gave a quote for almost $1000 a year, which is more than double the amount I’m currently paying!! And that’s with the Good Student Discount as well!! I was wondering if any of you guys know a reliable company that could provide a cheaper rate.

Administrator answers:

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The rate for a newly licensed 17 year old is going to be HIGH with ANY company, but, this sounds a little TOO high to me! But, American Family is only ONE company out of 100s that are licensed to do business in your State.

The best thing to do is call a LOCAL independent agent. Don’t go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with “less than perfect” driving records, and have companies that specialize in youthful and/or newly licensed drivers.

Most of the replies on this site say “go to this on-line carrier or that on-line carrier or that 1-800 number” but I’m sure that when you do, you will find some impersonal computer user with a script to work from and you won’t be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

Helen asks…

How much does a VW Golf GTi 2003 – 2008 cost on insurance? Help :( !?!?

I know a golf gti is very costly to insure which is a bummer! =/

Cheapest quote possible. Oh and it has to be Fully Comp!
Haha have a feeling its going to cost an arm and a leg to insure.

And which Car Insurance site is the best to use?

Would be very helpful for some answers back :)
Just need a rough idea how much its going to cost, so i could start saving and miss out the student nights and all the wonderful drinking with the mates.

J x

Administrator answers:

There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance YOU HAVE TOLD US PRECISELY NONE OF THESE, you will not get a price until you shop around. – They 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.

With a few minor differences these are the questions you will be asked before being given a quote. Not having supplied these details on Yahoo Answers, and who would, it is impossible to give a guess of a price for you to within even £2000 for a younger newly qualified driver. It is even possible as a student that you will not find an insurer that will cover you on a sporty type car.

Michael asks…

Car insurance for 19 year old driver?

Hey guys,

So I’m a 19 year old student looking to buy a car, more specifically a 1996 Pontiac Firebird.

I’m not gonna ask the regular question about how much this costs, ‘caus i already tried quotes from geiko, farmstate and all those, but to get a car insurance on that car it’s going to cost me around $4.000 at geico which was the cheapest..

Main question:

If i don’t care about my own car, like if it breaks down or gets destroyed stolen or whatever I don’t care caus’ it only costs like $4.000 itself. Can I then buy “just” the required insurance to cover third party damage ? I think it’s called a Liability insurance?
Problem is that I’ve searched the internet, and can only find complete packages, but I heard there’s a lot of money to be saved that way, and by a lot I mean A LOT, is this true?

If yes, where would I find insurance that only covers third party’s losses?

Administrator answers:

Get it under your parents policy.

If not, call around in your area. As no one company is the best company, as to many factors go into how they calculate rates.

And any one posting a website here will be treated as spam, get reported, and then deleted.

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