Questions and Answers
Your Questions About New Driver Car Insurance Quotes
how do i get my insurance quotes lower for driving?
im 17 and i want to insure a car but every quote i get is allways about £4000 – £10000, is the any way i could get them lower on my quotes? like having another person as a driver and things like that?
You can have a parent added as a named driver NOT as the main driver.
Due to your age and lack of experience the quotes are about right.#
Do what Dan does and you need claim – good excuse for insurance not pay out.
What will be my monthly expense for maintaining a car?
I am 21 years old and planning to buy a used car (don’t know which one) for around $5000. I live in Toronto, Canada and I just got my G2.
I am trying to know how much will I have to spend on the car each month, including insurance, gas, maintenance, and other expenses. Any inside tips are also welcome, since obviously I don’t have a large budget. Thanks.
P.S. Feel free to share your experience of your first car.
There are so many variables, it’s hard to pin down how much it would be for one person without knowing more info.
Here’s how you figure it out though -
1. Gas. Gas is high. Most people drive between 15 and 20,000 miles per year. (20k miles = 32,000 kilometers).
Estimate your mileage for your car, and be conservative. It’s probably in the 20 mpg range. I don’t know if you need to do all this in metric or not, but figure (as an example: 20,000 miles/year divided by 20 mpg = 1000 gallons. 1000 gallons x $3 buck/gallon = $3000 in gas per year. $3k year/12 = $250 per month in gas.
2. Call your insurance company and get a quote on 3 or 4 cars in your price range that you would like to find. Keep in mind that some are much more reliable than others when they are older. For example – don’t touch a used chrysler lebaron, and don’t touch an older mitsubishi eclipse if it’s a turbo (same with talon). They are cool and fast and a moneypit to keep running.
Keep in mind you’ll pay a premium for your age. That’s just how it is. Take a driver’s education course for 40 bucks on a saturday and you’ll get a 5-10% discount for the next 3 years or so. It’s very much worth it. Also – check into a security discount, and if you can get one, install or buy a vehicle w/ an alarm. You can get them for 200 bucks.
3. Maintenence depends on if you can work on it yourself or if you have anyone that can help with this. If not, figure on at least a 1500 per year. That would probably cover it, but I don’t know how much mechanics run in Canada and it will depend on what car you pick. Japanese cars cost alot more to repair but can be alot more reliable than some from the US. Others – it’s not worth the difference.
4. Don’t forget you’ll need tires. Figure on $400-500 every 3 years.
At 21, you may be moving frequently due to school, or changing life situations. A pickup is very, very handy to have.
I wouldn’t touch a pickup without an extended cab.
The upside on pickups are this: the undercarriage and suspension are heavy duty. The bearings, brakes, shocks, springs, are all sturdier than you find in a similar car and a used higher mileage pickup is going to show less wear and tear because of this.
A pickup is going to have alot more room in the engine compartment, making it easier to work on yourself.
4 wheel drive is nice, but it’s a big price premium over 2wd and they get worse gas mileage. Consider your winter driving habits and if 4wd is needed before paying more for it.
Dealerships are pros at making money from people. You’ll get a better deal by searching Yahoo! Autos for your zip code and then slowly finding the right car for you.
PIckups normally have timing chains instead of timing belts. Timing belts must be changed every 60-90k miles and it’s a major expense. Chains won’t need to be replaced. Likewise with an automatic transmission versus a clutch. You’ll get alot more mileage out of an automatic and can avoid the cost of replacing a clutch. Both of these repairs are probably imminent on a vehicle in your price range if they are the type to need them. Don’t buy an car with brand new automatic transmission fluid in it or if it doesn’t shift smoothly. Smell the transmission fluid. It should not smell burnt. It should be a dark red color. Bright red would be brand new. Very dark might be never changed or burnt.
Unless you need the power, go with a lighter truck and a v6 engine. You’ll get much better gas mileage, more in line with a car, unless it’s a big v6 versus a small v8. My 4.7 liter v8 is similar in gas usage to the 6 cylinder engines in dodge trucks.
Pickups are much cheaper than similar cars when they are brand new, so their resale is also a better deal.
If it were me, and I were you, I’d pick a smaller used extended cab pickup with an automatic tranny. A ford Ranger, or a Dodge Dakota SLT would be great. (I have a Dakota SLT myself by the way.)
- Good luck whatever you do.
what happens if I decide not to pay car insurance excess on a claim?
If i think my car is too old and decide not to fix it, or does it cover the other driver as well?
Jamal, For car insurance the easiest method to get a free quote is do a car policy comparison. If you choose the same coverage levels, you can get an fast quote to compare against others. Use the same city/state, auto make and model, mileage and driving history to ensure you get an apples to apples comparison. To get mulitple auto insurance quotes, go to http://www.goodinternetdeals.com/Auto-Insurance.html and you can compare the major auto insurance companies.
How much is it to include your teenage child in your car insurance plan?
My daughter is going to get her license soon and will be driving the family car with us.. how much will it cost to add her to our insurance plan?
No one here can give you a credible answer because there are just too many variables in determining the final cost.
For example, what state do you live in? Are you in a major city or in a rural area? How many drivers and cars are in the household? Do you have homeowners insurance with the same company? Does your company offer a good student discount? And more …….
A call to your agent will result in an exact quote. Any number obtained here is purely a WAG.
How is 18yr old meant to get car insurance?
I live in London and passed my test in February.
I own Renault Clio 1.2
And the cheapest quote i got so far is 305 pounds per month, which is way too much for me.
What companies are cheap?
What can i do to start driving legally, searching for insurance is frustrating
Dont say price comparison websites they suck cheapest quote there was 8k per year
1. You aren’t actually “meant to get insurance” just because you happen to be old enough and have passed a test it does not mean you all of a sudden have a right to be able to afford to run a car.
2. You quote seems a good one for London at your age
3. There are no particular companies that are any cheaper than any other for teen insurance – none of them really want many teens on their books
4. Get insured then you can drive legally. If your car is taxed and not insured a fine could be on its way to you already as they are doing just that now. What you were really asking was how can I own a taxed car legally never mind drive one.
5. The comparison websites are the only quick way to check almost 200 companies that do insurance and to cover them you need to do at least 3 or 4.
Sorry if my answer sounds harsh but that is the way it is now.
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.
Looks like that is the way it is now for teenage potential drivers. At various times as you go through life there will be things you would like to be able to do or have, but, due to age and/or finances you cannot – for many teens this is how it is now for cars in that just like me and a new Ferrari – I don’t have enough money.
As an additional driver; when I pass my driving test, will I have to inform my insurance company?
My driving test is coming up this Thursday and I’ll hopefully be driving my parent’s car till the insurance policy expires. I’m classed as an additional driver under the insurance policy, however, when I pass..
Do I have to notify the insurance company?
My parents said the insurance company didn’t ask whether I had a full or provisional license when adding me to the policy, so Im guessing I don’t have to.
Russell T, There are tons of places where you can get a free insurance quote. Http://www.simpleautoquotes.com/Auto-Insurance.html It only takes 5 minutes to do.
will my car insurance monthly rise if i add my husband as a driver?
i wanted to add my husbands as a driver to my car, but i didnt know if the monthly premium was going to rise.
You should go to http://u76.org/qc4 and see the different quotes you can get. Its reallly easy to use and got me the best price and i saved about 350 dollars.
Can An unlicensed person buy auto insurance for their car and have other drivers?
My husband owns a car but has no drivers license at this time. He wants to insure his car and have friends drive. Is this possible?
Jan, Try getting an online insurance quote It’s free and quick to do. Http://www.simpleautoquotes.com/Auto-Insurance.html
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