Car insurance for teen

[NikChillin]

Hi,

We have a 18 year old who has just passed his test and is itching to get on the road, does anyone have any experience insurance wize, we have had a quote for £4000!

[witch]

Firstly, make sure you and your partner are added, that will help reduce the cost
We found the company we were already with - Admiral - the most helpful and the cheapest but things have changed in the insurance industry, I know.

*Found this: http://www.money.co.uk/car-insurance...-teenagers.htm

[bwestlake]

i used insurethebox, it brought it down for me drasticaly, they put a black box in your car, and you have a limit of 6000 miles per year, but can add more and also gain some on how you drive

[Disaster]

Get an extra job!

[tech_guy]

Buy him / her a car that doesn't fit in to the boy-racer category. I bought my daughter a Peugeot 107.

Get yourself and your partner / spouse named on the policy. Shop around and haggle. I did with Admiral and they knocked £100 off when I started whining.

We paid £650 which was amazing but tbh my daughter was not named as the main driver as she wasn't. Don't be tempted to lie to the insurance companies over this.

[Ad93]

This is probably no use to you but I was looking recently at the insurance prices for cars fro myself, being 19, I found that if I bought an older car for around the £1000 mark I was being charged around £4000 for insurance which is not on. However I found an offer with Mazda for a new Mazda 2 for £169 per month and when I looked at insurance the prices were around the £900 mark which although still expensive is more reasonable than the previous efforts.

Toyota are also doing an offer on the Yaris Edition for £159 per month, I know these are brand new cars and probably not the kind of information you were looking for but I just though I would share my recent experience. Other than that I feel for you as I passed my driving test a year and a half ago and just haven't been able to afford the insurance.

A

[mdench]

Im 19 years working for the school full time with both my parents on my insurance works out about £1300 for a 1.4 polo with elephant. When i first started that was the sort of price I was looking at for 1.2 corsa etc but it dropped massively after the first year of having my license even though I never drove a car within that year.

[elsiegee40]

We insured with Coop Young Driver. It means I had to have a black box put in my Fiesta, but it reduced our premium by near enough 50%. And we got a refund on premium thanks to exemplary driving.

I loathe having to drive so carefullly with the black box, but it's a cross I'll have to bear with a 19 year old driver and a 17 year old learner.

[DeltaBravo]

I had a fiat punto when I was 17 and 18, my insurance was £2600 as the main driver and this was the cheapest I could get, after a year no claims this dropped to £1200... It’s expensive but worth doing.

[twin--turbo]

Do some quotres on more than just little hatches. When my brother in law was 18 he insured a 1.8GL sierra for less than his freind and "SHE" was driving a 1.4 Escort.

Rob

[NikChillin]

Thanks peeps,
Some ideas I hadn't thought of too.

[Edu-IT]

For my first year I was a named driver on a policy. I think they're more strict on that now though...

[Cache]

If you are insuring a vehicle in their name, get them to do the Pass Plus course as well. Not all insurers accept it, but when I did it Aviva accepted it and it instantly gave me a year's no claims bonus. (truthfully, longer ago then I keep thinking in my head)

Not sure on the pass plus details still, but it used to be 6 extra driving lessons.

[elsiegee40]

Some insurers give benefits for pass plus, some don't. It's still worth doing for the motorway training alone.

If insuring a teenager's own car, it's worth putting a parent on the policy too as it helps reduce the premium, I'm told.

[MatthewL]

When I passed 8 years ago prices were not as high but were till around the £1200 mark. I've always had my own policy but had parents on as named drivers which helped bring it down. I still have my Dad as a named driver then he is fully comp on my car is he does drive it and it still knocks a few hundred quid off each year.