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Cheap car insurance for 19/20 year olds?

17
Found 3rd Oct 2013
I'm currently 19 , I haven't passed my test yet (I'll probably be 20 by the time I do) but have to motivation to do so until I find insurance I can actually afford. The cheapest quotes I've found are around £3,500 on 1.2's (Saying I have just passed my test on the quote).

Adding a parent brings it down about £200 but I really need very close to £1000 or under!
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try co operative car insurance or lv car insurance
LOL, your not gonna get anything under a grand. my 1st years insurance on a 1L citroen AX was £1400 and that was 10 years ago.

Only advise is, aviod any 'sporty' models i.e sxi, gti and so on. Garage the car if you can, add a parent as a 2nd driver, and look for 'blackbox' policies. Build up your noclaims and eventually the prices will come down.
sorry to say it, but there's virtually no way your going to get insurance for a grand. Either pay-up, or maybe think about something much cheaper, like a scooter/moped or bike.
Ha lucky if u do I was quoted 3000 with my dad on policy with 7 years discount but we live next to a bad neighbourhood so we all pay more :-/
get in touch can help get it for 1600 mark
Year one of driving, be a named driver on your parents insurance. Add Both parents this will make it around 1000-1500 if you go through all the comparison sites

Year two, set up your own insurance but have both parents as named drivers , again use the comparison sites, Should be down to around 900-1200 now

Year three should drop to around 600-900

Can be done with a bit of hard work on the comparison sites

Use this guide as well

http://www.moneysavingexpert.com/car-insurance/young-drivers

Even adjusting job titles can lower it a few quid as explained in the guide
the newer thw car the cheaper usually don go for something that chavvs will drive like a saxo or a golf go for something like a peugeot 307 or an astra, I just got my firat car with 6 points on my licence its a 57 chevrolet lacetti and it only cost 1120 to insure but I am 22
Musician

Year one of driving, be a named driver on your parents insurance. Add … Year one of driving, be a named driver on your parents insurance. Add Both parents this will make it around 1000-1500 if you go through all the comparison sitesYear two, set up your own insurance but have both parents as named drivers , again use the comparison sites, Should be down to around 900-1200 nowYear three should drop to around 600-900Can be done with a bit of hard work on the comparison sitesUse this guide as wellhttp://www.moneysavingexpert.com/car-insurance/young-driversEven adjusting job titles can lower it a few quid as explained in the guide



Do not be named driver on a parents policy if in fact it is your car and you are in reality the main driver.

This is called insurance fronting and is illegal. Many years ago this was done regularly but things have changed and both the police and insurance companies are clamping down on it.

Also being a named driver generally won't gain you any no claims bonus.

The black box policies are relatively new and can be much more affordable. Comparisons sites are decent too.

You're gonna have to bit the bullet so good luck.
TomBoyNI

Do not be named driver on a parents policy if in fact it is your car and … Do not be named driver on a parents policy if in fact it is your car and you are in reality the main driver. This is called insurance fronting and is illegal. Many years ago this was done regularly but things have changed and both the police and insurance companies are clamping down on it. Also being a named driver generally won't gain you any no claims bonus. The black box policies are relatively new and can be much more affordable. Comparisons sites are decent too. You're gonna have to bit the bullet so good luck.



Wise up:

Year1: It's not insurance fronting if he drives it less than the main driver. In our case I drove it to work, and back with my son as I didn't want him driving in rush hour as well in year 1 (who worked in same place) , I also used it at weekends. He took the car out in the evening about 3 times a week down the local hangout. Therefore I was the main driver, he gets his first years insurance at about 1/3 of the price of going alone: Cost around £1200

Year 2: He's now been driving for a year with no incidents this counts He now at the old age of 20 starts to gather his lifetime noclaims - he got his year 2 insurance for £750 - his own, with me and his mother on his policy as named drivers.

Year 3: Now has 1 year no claims, should drop to 500-750 as the older you get the less it is anyway. 21 the price drops a lot.

Don't recommend the black box route, they are often more expensive than standard policies and something the new driver doesn't need to worry about on top of driving on our insane roads.
To be fair though 'Musican', point one is very specific to you, and isn't going to be applicable to most people; they won't want their parents driving them to work in 'their' brand new car, although it obviously worked pretty well for your family.

I'm also sorry to say that age doesn't effect insurance anywhere near as much as no claimsdoes.
I passed my test at 24 and bought a 1l micra and completely insured it myself, first year was £1100, the second year (while I was 25) was £700-800 with 1 year ncb.
You won't be getting a bigger engine car, with the same 1 year ncb, and getting it cheaper than I did...while being 20 years old, it simply cannot happen.
get a 1.0 and get a telematics box fitted
I've looked at the telematics, they're not much cheaper! I don't finish work till 11pm but I suppose I'd carry on using public transport to and from work to keep the insurance low..

I live away from home to, so the parent's aren't here for them to be the main driver. I can still add them on, which knocks about £200 off but that's just a drop in the ocean.

Any free insurance for a year deals kicking about for 19/20 year olds?
http://www.pukybikes.co.uk/images/toddler/puky_toy_car_1803_large.jpg

Downgrade the car and get the insurance cheaper (_;)
I think telematics is worth it. I'm with insurethebox and paid £600. My renewal quote recently: £370. I'm not a granny driver nor did I change my driving style. Of course I am sensible like no harsh braking etc. I often drive after 11pm too. But, I always either get Green/Yellow on my Dashboard and earn about 70-100 bonus miles every month (max is 100 miles per month).

However, it is a double-edged sword. If you're one wacky driver, you're renewal would probably be through the roof. I do find the box is quite lenient though and you shouldn't have an problems in being scored as a bad driver. GL

My history: 19 yo (£2,500), 2nd year £1000, 3rd year £600 (with the box), 4th year now £370. All of them fully comp, main driver, and 2 litre car.
My daughter has just turned 18 and only passed her test 1month ago, she has just insured a renault clio 1.2 with Aviva and annual cost was £1380 with me added as addditional driver, the excess is about £450 in total but they were by the far the cheapest insurer that we could find. This is not insurance with a box either (cost by having monthly payments takes it up to about £1469 but still cheaper than anywhere else!
the dandy p

To be fair though 'Musican', point one is very specific to you, and isn't … To be fair though 'Musican', point one is very specific to you, and isn't going to be applicable to most people; they won't want their parents driving them to work in 'their' brand new car, although it obviously worked pretty well for your family.I'm also sorry to say that age doesn't effect insurance anywhere near as much as no claimsdoes. I passed my test at 24 and bought a 1l micra and completely insured it myself, first year was £1100, the second year (while I was 25) was £700-800 with 1 year ncb.You won't be getting a bigger engine car, with the same 1 year ncb, and getting it cheaper than I did...while being 20 years old, it simply cannot happen.



I hear what your saying but surely any new driver would rather pay 2 grand less and have their parents use the car by day a bit. Also the drop in price from 24 to 25 is negligable. Make up a fake quote on confused then age yourself one year from 17 up to 23 , look at the difference in prices
Try Admiral or Diamond Car Insurance they specialise in rates for new drivers. You may have to have cover for 3rd party for your first year to bring the rate down. Some insurance companies also offer some sort of tracker box that limits the distance and speed which I believe also reduces your cost. My daughter had her first insurance with this company (they are part of the same company but trade under different names) and she managed to get a really good rate fully comp.
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