Best Car Insurance For Young Drivers

Questions and Answers

Your Questions About Cheapest Cars To Insure For Young Drivers

April 23, 2012

Donna asks…

Attention young driver’s, where did you get insurance from?

My 17th is coming up soon and I really want to be able to drive however every time I look for insurance the cheapest ones I can get are in excess of £2500 at least!

Also are there any cars or small hatchbacks that are best to insure, keep and drive in your opinion????

Is it best to get my own car and have my parents as named drivers or the other way round?

Thanks! :)

Administrator answers:

The average cost of car insurance for a 17 year old driving a very basic 1.0 litre car, is £2,700. So, the quotes you are getting are perfectly normal for someone your age..

You can buy a car, insure it in your name and put your parents on as named drivers. However, that won’t reduce the cost of insurance by much.

You cannot buy a car, insure it in your parents names and put yourself as a named driver. That is called “fronting” and it is illegal.

Nancy asks…

Young Drivers Car Insurance In London?

Hey there, i live in a area that gets me pretty high quotes for an 18 year old.. Well my dad’s purchasing a car and i asked if he could insure me on it too and he agreed to this but i’ve gotta find a decent insurer first.. I mean i’m getting quotes such as £3,000 a year that’s pretty high for a 01 plate corsa.. I was just asking for people with experience on maybe any ways i can reduce this price.. Maybe a really cheap insurer you know? or any help would be appreciated if you know the situation i’m in. Thanks!!
P.S i’ve been through so many comparision sites i don’t think they will help.

Administrator answers:

Get a broker to do the search for you, but don’t hold your breath – £3K may well be the final figure depending on all the facts.

John asks…

Can i be insured as the main policy holder on two different cars with two different insurers?

Im 17, have been passed my test a month.
my cars playing up so i wanted to get insured on my bf’s car which he hasnt got insured yet (coz he hasnt passed his test yet)
He is also 17,
i want to get insured on his car aswell as my bf getting insured on it with a provisional license.
whats the cheapest way to do this?
is it cheaper for me to be the named driver on his car because i have a full license?
also would it make it cheaper adding an older driver or not really because the policy will already have two young drivers?

Administrator answers:

You can insure as many different cars as you want with different companies, or even the same company. But seeing as you and your boyfriend are both young, you can expect to pay quite a bit. However, if your boyfriend holds the title to his car, he’ll need to insure it. You can be named as a secondary driver on his car, but you can’t buy the policy.

Donald asks…

Audi vs Mercedes? Which is better?

So, I really cant decide on an Audi or Mercedes. I really like Audi’s interiors. Which would be cheaper to insure? Also which is more reliable/ cheaper to maintain. I have heard Mercedes was in both categories.I love the way Mercedes carries its brand. I feel like it would offer more prestige then Audi but Audi is sportier. I am a young driver so which would be best? And dont tell me I need a mechanic, my parents have owned German cars for years now…without any major issues..

Administrator answers:

I would go with the Mercedes. I’m 17 and I drive a Mercedes Benz E Class and let me tell you it’s by far one of the funnest cars to drive. The maintenance and insurance will be higher on the Mercedes but it’s a much safer car to drive. The safety features on this car are tremendous. I would looking into getting one under a warranty because when something breaks it’s gonna be expensive. The C class would be a great car, MSRP for the 2011 model starts at $33,990. Fully loaded I’ve seen them top up around $45,000. If you decide on the C class be aware the redesigned version is coming around September and August in the United States so I would recommend waiting. I would honestly recommend the E Class which starts at $49,400, roughly $50,000. It’s a great car and I feel so safe when driving it. Fully loaded I have seen these top out at around $70,000. Good Luck!

Richard asks…

BMW 335i VS Mercedes C350?

What car would be the most reliable & best over all car, a BMW 335i or a Mercedes Benz C350? What car would be better for a young male driver, which one would be cheaper to insure, which one would be the one most people would be impressed with, and which one would be the most valuable?

Administrator answers:

No one is going to be impressed with a 3 series or C-Class. A 3 series shows that you care about performance over luxury and vice versa for the Mercedes-Benz. But its not impressive because everyone owns a BMW 3 series and only old retired people seem to be driving the C-Class.

I have a 2006 BMW 323i sedan for winter and a 2008 Porsche 997 Carrera in the summer. Lets just say that the 911 turns heads more than a BMW. But the BMW (335i) performs pretty well, 0-60 in roughly 5.5 so if you care about that, then go for BMW. The current generation 335i is very similar to the E46 M3 performance wise.

From a value perspective, all cars depreciate. They are not an investment unless you buy a classic car and restore it. However, if value means the perception and class that these cars provide, then get a Mercedes-benz. BMW’s are well known to be driven by “douchebags” (according to Top Gear Jeremy Clarkson – he used a different word I don’t remember). Mercedes are just more refined and elegant in my perspective.

Helen asks…

Should I learn to drive in a manual or automatic car?

im 17, im a girl
i have had 4 lessons of 1 &1/2 hours per lesson.i am finding it easy with stearing its just the gears im having problems with, the instructor suggested i might want to learn in an automatic instead. he said that im not piking up on things that fast, though i have felt i have had an improvement since my first lesson ( seeing as my first lesson, was the first time ever in the drivers seat!)
i know if i drive the auto thats what im stuck with, cant get a manual.
As im a young driver though how easy is it to take the manual test later after i pass on the auto.

Are automatic cars more exensive than the manuals? ( for a first car i would need something cheap to buy, tax and insure)

Administrator answers:

I would continue with the manual and see how you get on as it is still early days. If you pass your test in a manual car you can also drive and automatic. However if you take the automatic test you can only drive an automatic.

Mary asks…

which economical car would you recommend for a small family?

Im about to take my driving test and i’m now swamped with the choice of which car to buy. Im female, 30, engaged and we have a young child with a baby on the way. I have a budget so im looking for something old/used but reliable and economical (obivously something cheap to insure with me being a first time driver) I will be using the car mainly for leisure at weekends, and rather than just getting from a-z I intend to use it for short and long road trips. so something than has good sustain on motorways, etc,

Im pretty clueless when it comes to the technical side of cars , some tips on a good make/model would be much appreciated.

thanks!

Administrator answers:

Spend a little money and buy a consumer report auto book.They even cover used cars.
Without knowing your budget it is hard to recommend.
Get the newest car you can afford because they will be the best equipped safety wise usually and have the least amount of use on them. Buy the best car available not necessarily the best looking !
Preferably a four door because that will make it much easier to get the children in and out of their backseat childseats.
If you are going to use it for short and long trips you don’t want it to be too old and used.
Buy it from a reputable dealer, not a person. If you intend to buy it from an individual take the car to a shop and have them check it.
Insurance is a hard thing to tell. It depends so much on where you live, your driving record, the type of car, etc.
RELIABLE
ECONOMICAL (remember used cars especially old ones can get expensive in more ways than just gas)
CHEAP TO INSURE
SHORT AND LONG TRIPS
You have described everyones idea of the perfect used car.
Take someone who KNOWS cars with you to help you buy.
Good Luck

Chris asks…

False Age To Get Cheaper Quotes?

Well basically my father has the same name as me (Completely same Surname & First name) the only thing seperating us is the date of birth.. I was planning ot insure my car under my fathers date of birth so the quote is way cheaper since i’m still a young driver age of 20 while hes like 44. My quick question was, if for example i get pulled over by police, they will see my certificate which has no date of birth just name and address etc. and my license probably which is also matching the name and etc. What will happen i mean will they be able to see my age any how or do you think anything could happen? Since if they ask me to produce documents to station i could just ask my father to visit the station providing the documents.
Just wanted to add the fact that only thing i’m worried about is if i’m pulled over. I’m not actually doing anything wrong guys the thing is if i do get into a accident then i could still say my father was the driver i wasn’t and could also prove that it won’t be hard to just send off hes license if they ask for it?

Administrator answers:

I would not worry about when the cops pull you over. They care only that you have insurance that is up to date.

I would worry about when you are in an accident and the insurance company refuses to cover you b/c you obtained coverage fraudulently.

If you think that in the long term this will work, you are very stupid. Bottom line is that it is fraud, which is a crime.

Sharon asks…

Audi vs Mercedes? Which is better?

So, I really cant decide on an Audi or Mercedes. I really like Audi’s interiors. Which would be cheaper to insure? Also which is more reliable/ cheaper to maintain. I have heard Mercedes was in both categories.I love the way Mercedes carries its brand. I feel like it would offer more prestige then Audi but Audi is sportier. I am a young driver so which would be best? And dont tell me I need a mechanic, my parents have owned German cars for years now…without any major issues..

Administrator answers:

BMW is far superior to both, but between those two I would pick Mercedes. They are simply more elegant, better built cars with a few exceptions, such as the E class sedan which I don’t find particularly attractive. Forget Audi though.

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