Car insurance for teen

[Fleetwood]

Unless you go for the blackbox option, 'cheap insurance' doesn't exist for us teenies

 

Try out of the ordinary cars as well as small tortoise-engine cars, you'll find that some bigger/less common cars can sometimes be cheaper to insure. It's just a case of having a lonnnng shop around have you tried LV? They've always been the best deal for my insurance quotes.

Edited March 8, 2013 by Fleetwood

[samba_man]

I sold my 2000 1ltr Corsa to buy a 1997 Citroen Xantia 1.9 Turbo Diesel when I was 18, I bought the Xantia for less than I sold the Corsa for and had extra luxuries such as air con, electric windows, ABS, hydraulic suspension, heated electric mirrors, better crash protection, towbar, 5 doors, big boot...the list goes on and it was a bit cheaper than the Corsa to insure!

It wasn't long after than I discovered I could insure a the daddy executive Citroen of the 90s for an extra £100/year so I bought a Citroen XM too!

[twin--turbo]

I sold my 2000 1ltr Corsa to buy a 1997 Citroen Xantia 1.9 Turbo Diesel when I was 18, I bought the Xantia for less than I sold the Corsa for and had extra luxuries such as air con, electric windows, ABS, hydraulic suspension, heated electric mirrors, better crash protection, towbar, 5 doors, big boot...the list goes on and it was a bit cheaper than the Corsa to insure!

It wasn't long after than I discovered I could insure a the daddy executive Citroen of the 90s for an extra £100/year so I bought a Citroen XM too!

 

You then discovered a whole in your wallet from the repair bills

 

 

 

Rob

[NikChillin]

Interesting, I didn't realize you could reduce it by having a parent as a named driver. We were thinking of putting him through the pass plus too for several reasons but it would seem only some insurers give lower premiums for that.

[andrew_91090]

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: Top 10 Car Insurance for Teenagers UK - Cheap Teenage & First Time Quotes

 

+1 for Admiral, especially with the multi-car policy, if you have him/her as only named driver and either yourself or the other half as main driver, it will reduce it massively

[samba_man]

You then discovered a whole in your wallet from the repair bills

 

 

 

Rob

 

I think you're mistaking the Xantia and XM for some other tat

Very little problems out of the ordinary, all fully galvanized properly so no show stopping rust, cheap parts, looovely comfortable suspension which just needs a bit of understanding (£25/corner for spheres, takes all of 15 mins with the right tools to replace each). Legendary French XUD diesel engines. Ended up selling the Xantia at 220,000 miles. The XM is still going strong at 200,000. They are VERY well kept secrets let me tell you!

[AMLinington]

I did PassPlus back in the day when I was a new driver and it helped with the insurance but I don't think it's as effective now - it's better from a personal confidence point of view. It might be worth looking at one of these insurance policies where named drivers earn NCDs and insure your son/daughter as a named driver on a sensible family vehicle. These 'black box' schemes are good for new drivers but I wouldn't want one in my car so I'd only have one fitted if the car was specifically his/hers.

 

I've seen comments in other threads (possibly) saying that the more of a certain type of car there are on the road, the more accidents occur statistically where that car type is involved so the premiums are higher. Age and value of the car are key as are engine size so if you are in the position to help buy the car you might want to look at something old, small engined and cheap but not overly common. Fiat Panda perhaps lol. If the sproglets don't like it, they can fund it themselves lol. Any car is better than no car tbh.

[NikChillin]

He is happy to drive the Fiat Panda we have, they are really nice to drive actually. He was looking at VW golf's but now he just wants to get mobile.

[CHR1S]

Sadly it seems the whole insurance scam gets no better until, at least in my case, I hit 30!

 

Last year it went up, to £790 - I hit 30, £330 for the same car and mileage. I'm no better driver, seems I just hit the milestone they arbitrary set.

 

The black box policies do seem good and they "should" encourage better habits too

[vikpaw]

Adding a female teacher, even unrelated used to make a big difference, but possibly not that much to a teenager, and of course you'd only do it if that person is actually going to drive it a bit.

Not sure what will happen now with the anti-sexism rule.

Changing job, on any named driver can make a difference, Cheap Car Insurance Job Picker: tweaking your job title can make your car insurance cheaper

p.s. Full disclosure: sorry if i duplicated advice, i didn't read the previous posts ;P

[Guest Guest]

As mentioned look at cars which aren't generally boy racer cars. My first car was a Calibra 2.0l and my 2nd a MR2 mk2 t-bar 2.0l. OK the calibra is a bit chav but no where near as much so as a corsa, fiesta, clio, etc - or at least not according to the insurance companies.

 

IME chav factor far out weights insurance group or engine size.

 

1st year calibra - £800

2nd year MR2 - £750

3rd year modified (coilovers) MR2 - £400

4th year MR2 - £330

 

since then it has been steadily going up!!

 

 

Strangely the modified insurance was cheaper than I could get normal insurance.

Edited March 9, 2013 by Guest

[featured_spectre]

Volvo S40 - s reg or earlier...cheapest car to insure for a 17 year old (in my area). Might be worth a look.

[twin--turbo]

Volvo S40 - s reg or earlier...cheapest car to insure for a 17 year old (in my area). Might be worth a look.

 

My old V40 1.8 cost the same to insure as My current 3.0 V6 Jaguar s-type, and had very similar MPG

 

Rob

[featured_spectre]

Not sure if it is MPG they look for. My friends brother is 17, he got fully comp insurance on an S Reg Volvo S40 (in one of the worst postcodes in the uk for car crime), for £1700 a year.

[marsdenprimary]

Get an old car like a Fiesta. Admiral are good insurers.

[featured_spectre]

Basically all hot hatches are insurers dreams because they are chav-mobiles!!

[AMLinington]

Adding a female teacher, even unrelated used to make a big difference, but possibly not that much to a teenager, and of course you'd only do it if that person is actually going to drive it a bit.

Not sure what will happen now with the anti-sexism rule.

Changing job, on any named driver can make a difference, Cheap Car Insurance Job Picker: tweaking your job title can make your car insurance cheaper

p.s. Full disclosure: sorry if i duplicated advice, i didn't read the previous posts ;P

 

Interesting that you mention that as LeBoyfriend works for a well known South coast car dealership, but he's in an admin/customer service role, not an active car role like a technician (mechanic) or sales but if we put him down as working in the motor industry the insurance companies aren't interested in the slightest that he has nothing whatsoever to do with cars or the fact that he's covered under the site insurance policy should he need to drive a customer car for whatever reason so we put him down as 'Customer Service'. Since he only takes my car to work when it needs work doing, it's covered under the site insurance anyway - he certainly never takes it just for commuting. It seems ludicrous to me that this should even be a consideration - especially with site and business insurance covering cars that go into dealerships. It's crazy. The whole industry is legalised fraud IMO.

[CHR1S]

The whole industry is legalised fraud IMO.

 

Its not as if you can even protest by not buying insurance........

[vikpaw]

No but try to make a claim and they'll be passing the buck to the other insurer in a heartbeat.