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17 Year Old Male Car Insurance

Kazaam Avatar
5y, 10m agoPosted 5 years, 10 months ago
Hi,

I passed my driving test a few days ago and am looking for good insurance deals.

Any help would be appreciated.

P.S. I havent got a car yet but the prices seem to be VERY high even for old cheap cars and for newer smaller ones as well
Kazaam Avatar
5y, 10m agoPosted 5 years, 10 months ago
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#1
thnk you'll be looking at around the £1000 mark at the cheapest, doubtful that there will be many places that do for this price tho...
#2
remember to add an older experienced driver to the policy as 2nd driver should get you a discount
#3
congrats....
#4
Was £1000 about 8 years ago when i passed. Your gonna be lucky to see change from 2-3k.

Until your older i'd be calling a taxi :(
#5
I would get a bike as you won't be able to afford car insurance at your age!

You will be looking at £1500 - 2000 for insurance on an old wreck.
Best to wait a few years or maybe get a scooter/moped and get a couple of years.
#6
The only way your gonna find cheap insurance deals is to shop around, no one can do it for you every quote is unique.
If your car is old or newish won't cut much mustard with insurance firms, the car's not the risk it's YOU!
Make sure you go for comprehensive rather than 3rd party as it's often cheaper for new drivers.
Good luck.
#7
Admiral gave a good quote to my son it works out cheaper if there are older drivers on insurance as well especially if they are in there 50's
#8
havent read the T&C's , but if uour in for a new car then the pug scheme includes fully comp insurance.

peugeot.co.uk/showroom/latest-offers/just-add-fuel/
#9
Ive just finished my first year of car insurance, it was £1600 with endsleigh on my x reg 1.0 litre corsa and now its £1160 with 1 years no claims.

Its so expensive :(

Endsleigh are the best if your a student and its best to check different price comparison sites as they can get different prices from the same company.

I prefer third party cos its cheaper and if I was to claim on fully comp my insurance would go up too much.

Hope I helped! :)
#10
Dont be fooled thinking that smaller engines mean cheaper insureance. Its actually a fact that insureance companys dont base it on the size of the car, but how many people your age have crashed that type of car.

The cheapest insureance i have found as a new driver (im 21) is £1200 for a 2.0l Toyota hilux pickup truck. Its a beast of a truck, and i got mine for £600 (worth around £1K- £2K but i got mine cheap from ebay).

It's cheaper as not many young people drive them, thus alot less crashes in the car. I remember checking a 1.0l corsa was at least £2100!! go for somthing different mate!

Edited By: joecooper on Jan 18, 2011 05:35
#11
we havent managed to find a quote below 4000 and thats on 1 litre for our son he doesnt live with us so difficult to put us on his insurance
banned#12
try Bell or Elephant/Admiral..

they have been cheap for young drivers over the last couple of years
#13
I would try churchil because you can haggle with them on the phone too. Also, if your a new driver get fully comp and look at getting a low insurance group car, it helps tremendiously. Finally, a word of advice, get yourself on as a named driver and you can collect the no claims through them, after three years get yourself on as the main driver and for the love of god put your mom on it, the price will drop like BPs share price when it discovered the oil leak!!!!!
#14
Should try ikube, i was originally getting quotes of three and a half grand for an x reg 106. Dont know what group this is in but its a fairly safe car, with a 1.1 engine in it 60bhp and top speed of, well 110mph is what i seem to remember meant to be 102 but remove the spare and all the crap you dont need then yeah . . . I digress. But i got my insurance for 1200 from Ikube by myself, falling to a grand for my dad being on it, this is me as policy holder and all that, now after a year im moving to a bigger car and the insurance for this is only a grand, for a newer faster kinda car.

Restricting you to not being able to drive between 11pm and 5am is due to that being the times when most young drivers are out rallying their cars around,. Everyone knows that young drivers are reckless so obviously insurance will be high. So if your going on to a policy for yourself for the first time driving, your best to get a low engine, pretty much a rubbish car and see out the first year or two.

Also insurance is based upon a few different things (just a bit of extra information):
Where you live ? (theres a site on the web where you can see what your areas classed as)
What it will be used for (long distance and that)
Mileage (upto 8000 is the same bracket and doesnt matter so hit in 6000 and they dont check that. . .)
Car safety rating and value,( this ones strange as it was costing me more to insure a 1.0L corsa, which is meant to be safer than the peugeot 106 that i got. Apparently newer cars are cheaper to insure but unless youve got 7-8 grand sat there youll be the same as me)
Age ( it isnt just about your age but it can be a very large factor, due to the fact that young guys drive to show off basically lying back in their chair, with the music blasting, texting and looking at the darlings on the street)

Also, what joe says isnt actually true, going by that theory because no 17 year old has a mazzeratti, with a massively impressive engine and a mind blowing bhp, then youd be able to get insured cheaply on it . . . No joe it clearly does matter the size of engine and not the amount of people that have crashed it.

Hope it helps, Ive just above basically described how I crashed my car the first time




Edited By: DannyM on Jan 18, 2011 14:47: Additional Info
#15
quinns direct i went with in 2007 £1000 for my first year with a 2003 106 1.1l so at the time the car was newish. third party fire and theft though not fully comp.


Edited By: ebbz139 on Jan 18, 2011 14:51
#16
ikube are fully comp :) even if you drive outwith the stated hours, your still fully compy, only downside is that if you do drive within those hours then you get charged 45 pound. But the tracker they install could probably removed and connected to a static source just to keep their questioning at bay, if you really wanted to go down that road . .
#17
Just because im really nice ive looked up what the cheapest cars are to insure

Fiat Punto (1.2 engine, not too fast but can take corners well)

Ford Fiesta ( old model is hard to find without many mods done, new models are nice but pricey)

Volkswagen Polo ( like a golf, but . . not a golf. From what i remember, its got alot of the golfs pros and a few cons aswell for having a small engine, too heavy and repairs are quite pricey at times)

Peugeot 106 ( could be really biased here, but from what ive found its a great car, its nippy and repairs are straight forward generally cost between 800-2000 for decent ones and the scrappy is always there for spairs)

Renault Clio ( nice car, the extr3me is nice, its great accelleration for a 1.2 since it has 16 valves, dont know if insurers take this into consideration only problem ive found is replacing the head unit and speakers can be a pain in the bum)

Generally a Corsa is always not a bad place to begin, but these are common as muck and not the nicest things in the world to drive, cheap repairs though, havent tried anything with one of them. You can get a 1.2 twinport which i dont think makes much difference.

P.S if anyone wants to correct me on any of what ive said feel free to.
#18
joecooper
Dont be fooled thinking that smaller engines mean cheaper insureance. Its actually a fact that insureance companys dont base it on the size of the car, but how many people your age have crashed that type of car.

The cheapest insureance i have found as a new driver (im 21) is £1200 for a 2.0l Toyota hilux pickup truck. Its a beast of a truck, and i got mine for £600 (worth around £1K- £2K but i got mine cheap from ebay).

It's cheaper as not many young people drive them, thus alot less crashes in the car. I remember checking a 1.0l corsa was at least £2100!! go for somthing different mate!


he's right everyone i know seems to think smaller cars are cheaper to insure! im 17 and drive a 318i, got insured for £1200 as a named driver on my dads policy from the Cooperative. Before everyone starts saying im fronting.... i dont care! its saving me over £3000 a year!
#19
zombie
joecooper
Dont be fooled thinking that smaller engines mean cheaper insureance. Its actually a fact that insureance companys dont base it on the size of the car, but how many people your age have crashed that type of car.

The cheapest insureance i have found as a new driver (im 21) is £1200 for a 2.0l Toyota hilux pickup truck. Its a beast of a truck, and i got mine for £600 (worth around £1K- £2K but i got mine cheap from ebay).

It's cheaper as not many young people drive them, thus alot less crashes in the car. I remember checking a 1.0l corsa was at least £2100!! go for somthing different mate!


he's right everyone i know seems to think smaller cars are cheaper to insure! im 17 and drive a 318i, got insured for £1200 as a named driver on my dads policy from the Cooperative. Before everyone starts saying im fronting.... i dont care! its saving me over £3000 a year!

hwd u get it so cheap?

Did u fone up and do it?
#20
No he gets it soo cheap because its daddies car and daddies insurance policy and should get done for it
#21
DannyM
No he gets it soo cheap because its daddies car and daddies insurance policy and should get done for it

i dnt think fronting should be illegal
#22
How shouldnt it be illegal? It just means that if you crash then you can ruin your dads ncb. If people arent being insurred properly then whats the point in insurance? It is illegal so it shouldnt be done, it means that everyone else is having to pay for when people who are fronting mess up
#23
DannyM
How shouldnt it be illegal? It just means that if you crash then you can ruin your dads ncb. If people arent being insurred properly then whats the point in insurance? It is illegal so it shouldnt be done, it means that everyone else is having to pay for when people who are fronting mess up


hmmmm....i get ur point.

I think what we r gna do is register my mum as the main driver cos she'll be using the car when I'm not using it to save fuel as our other car is a BMW 5 series, so it'll be more "financially-efficient".

But at this point it's hard to tell who will be using it more. I'll probabaly use it a few times a week where as it'll be used everyday by my mum.

thats alright and not fronting is it?
#24
'fronting' is just a way of scaring young drivers into taking out costly insurance policies on their own names, theres no possible way they can prove your fronting, unless your a complete knob. Whatever happened to the good old days of any driver policies!!
#25
Kazaam, having it like that is okay. It'll be cheaper so it should work out, I don't know if you'll get your no claims that way as I haven't done that, anothr way to go is put you as proposer Android put both parents or a granparent on as named drivers that can make it really cheap

Zombie, yeah if you get caught you might be a knob but, at the rate young guys get pulled then they are due to catch on? Three times on the same car And I'm sure they would notice, or do young guys not get pulled randomly up your way, id just try not to stand out much,

Insurance is quite pointless and. Massively overpriced,in my experience you won't want to use insurance if you crash, I've done it twice And paid cash for both tbh, just my input have a look at a 54 plare fiesta or later, fast sport cars easy to put speakers, sub and amp in, good space for a headunit aswell
#26
lol mate, the police dont do anything about fronting, they only check to see if your insured on the car. people around here dont even ever get pulled over, as long as it shows up on their system thats the cars taxed, mot'd and insured the chances of you getting pulled over are very slim unless your driving like a lunatic.
#27
DannyM
Kazaam, having it like that is okay. It'll be cheaper so it should work out, I don't know if you'll get your no claims that way as I haven't done that, anothr way to go is put you as proposer Android put both parents or a granparent on as named drivers that can make it really cheap

Zombie, yeah if you get caught you might be a knob but, at the rate young guys get pulled then they are due to catch on? Three times on the same car And I'm sure they would notice, or do young guys not get pulled randomly up your way, id just try not to stand out much,

Insurance is quite pointless and. Massively overpriced,in my experience you won't want to use insurance if you crash, I've done it twice And paid cash for both tbh, just my input have a look at a 54 plare fiesta or later, fast sport cars easy to put speakers, sub and amp in, good space for a headunit aswell

how can u get caught fronting if the police pull you over?

Do police pull over young drivers mainly to check they have a license?
#28
When pulled by the police they checi your liscence, from that they get insurance details and all that, thing is tyey can stop you randomly and check the outside of the car, but not the inside without your permission. Tyres, lights etc. Persay you are fronting and are pulled 3 or so times randomly,this can be flagged to the insurers that its seen to be you are more often driving than your mother. Insurance companies can furtyer investigate this and void policy and possibly black mark you fo future insurance
#29
DannyM
When pulled by the police they checi your liscence, from that they get insurance details and all that, thing is tyey can stop you randomly and check the outside of the car, but not the inside without your permission. Tyres, lights etc. Persay you are fronting and are pulled 3 or so times randomly,this can be flagged to the insurers that its seen to be you are more often driving than your mother. Insurance companies can furtyer investigate this and void policy and possibly black mark you fo future insurance


but if they pull over mostly young drivers then this doesnt make sense. Of course u r going to be pulled over more as a young driver than your mother especially if they are in their forties!!!
I think I'd **** myself if the police pulled me over for a random check, thinking I had done something wrong

Edited By: Kazaam on Jan 18, 2011 21:46
#30
DannyM
No he gets it soo cheap because its daddies car and daddies insurance policy and should get done for it


Tempting for a lot of people to do this, my son took the earlier advice and got a decent hardtail!
#31
The checks are of course 'random' if your reg has been flagged then you are more likely to get pulled and so could your mum, that's the way its meant to work, meant to be random but mostly just for young guys, its a bad state of affairs if I'm honest. What kinda car are you after and what kinda price are you talking of aswell?
#32
Best way to do it I think is get a car that's high mpg, low emmissions and small engine. With this you might get a 10 year old car for less than a grand and most 10 year old cars are firly straight forward for fixing and also learns you a bit of hard graft, all round wins, cheap, easy to run and if you wreck it which is likely then just scrap it as it might and be worth it

Again my opinion I'm sure a lot will disagree but, all I can do is tell yous what I've been doing for the last couple of years: )
#33
Henvig
DannyM
No he gets it soo cheap because its daddies car and daddies insurance policy and should get done for it


Tempting for a lot of people to do this, my son took the earlier advice and got a decent hardtail!
whats a hardtail? :-s
#34
Ehm, think its something to do with the suspension in the car, never heard it used when talking about cars, I know its about the suspenion on a bike?
#35
Ahhhh penny just dropped he gota bike instead. ..
#36
DannyM
Ahhhh penny just dropped he gota bike instead. ..


ohhh so u only realised just there?
#37
Yeah that he was meanning a bike. So have you got a car in mind then?
#38
Corsa/Astra/polo/Clio Extreme these are all nice and so is the golf.

I have found LV to be cheapest in terms of insurance so far!
#39
Astras a great car, thats what I'm moving to soonish

The clios fairly fast off the mark aswell, golf is quite heavy from what I remember, need a good size engine to pull it properly, all are fairly easy to do things with, slam them, change lights, new speakers, easy sub and amp wiring etc
#40
DannyM
Astras a great car, thats what I'm moving to soonish

The clios fairly fast off the mark aswell, golf is quite heavy from what I remember, need a good size engine to pull it properly, all are fairly easy to do things with, slam them, change lights, new speakers, easy sub and amp wiring etc

why would i want to smal them or put new speakers and amp wiring in? I'm not fussed about that, as long as it looks nice, is niceish ok interior, and comfortable and not an old my bean banger am happy
i like the clio but the best. the astra isnt bad either

Edited By: Kazaam on Jan 18, 2011 23:02

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