Any 17/18 year olds here which drive?

Resa69 · 13 Jul 2015 at 01:05

I'm on track to hopefully pass in the next few weeks but the insurance premiums are through the roof these days so I don't think I'll be able to afford it (a car is not a problem, plenty of 2005ish corsa's going for under a grand)

Any tips on what insurance to get a quote from or any way to reduce the premium? Thank you

mccarf · 13 Jul 2015 at 01:27

Try a quote on a car from the next class up with a relatively weedy engine. Examples:

http://www.autotrader.co.uk/classified/advert/201507115121449
http://www.autotrader.co.uk/classified/advert/201507095054888

If you're a student then I remember endsleigh being really good for me purely because I was a student.

simonk · 13 Jul 2015 at 11:39

tough times nowadays for a new drivers financially. My first insurance premium was £2200 4 years ago and even then I was 19. car itself only cost me £500! I still cry when I think about it.

slick rick · 13 Jul 2015 at 11:42

Try adding a parent as a named driver, that can bring it down a bit. Parking on the road instead of drive can also sometimes reduce it, and fully comp is often cheaper than third party.

Ryan-3 · 13 Jul 2015 at 11:43

Something in a low insurance group, stick a parent as a second named driver to bring down the costs but make yourself the main driver.

dacads · 13 Jul 2015 at 12:20

Save your pennies and try a quote again in a few years, should be more than half what it is now, depending on the car of course.

ZG002 · 13 Jul 2015 at 12:43

Try as others have said, you might see a small drop which makes it just about afordable. Do these companies with the black boxes not give you a better deal?

The quickest way to get sensible quotes is I'm affraid building up some NCB. We have all gone through this pain at some point. Mine was £1200 ten years ago.

millsd44 · 13 Jul 2015 at 12:46

slick rick said:
Parking on the road instead of drive can also sometimes reduce it

really? I always thought it was the opposite. mine is up for renewal, going to try this now..

slick rick · 13 Jul 2015 at 12:55

millsd44 said:
really? I always thought it was the opposite. mine is up for renewal, going to try this now..

I did too until I tried it. Things that often seem logical like parking on a drive or third party being cheaper often hasn't been the case in my experience.

Fr0dders · 13 Jul 2015 at 12:57

I've never heard of the road being cheaper.

I have with garage vs drive since you get accidents where wing mirrors get clipped and panels scraped squeezing it into a garage.

But road cheaper seems very illogical

Macwhite97 · 13 Jul 2015 at 12:58

I'm 18 and my car insurance for my first year was £1,100. I was 17 at the time. Went with Tesco's Bank Box. The Box is farely relaxed considering I topped out my 1.2L clio on the Motorway and didn't get any speed warnings

It's worth it for the first year in my opinion. Price goes down a lot after that.

Macwhite97 · 13 Jul 2015 at 12:59

Just a side-note to my previous post. I'm now off the Box, it's my second year and the insurance is about £600 for the year.

slick rick · 13 Jul 2015 at 13:01

Fr0dders said:
I've never heard of the road being cheaper.

I have with garage vs drive since you get accidents where wing mirrors get clipped and panels scraped squeezing it into a garage.

But road cheaper seems very illogical

Next time you need a quote give it try mate, I am not sure if it will depend on what area you live in or something, but when I tried it on the comparison sites it was consistently cheaper for most providers to be parked on the road.

Makes no sense to me either! :confused:

millsd44 · 13 Jul 2015 at 13:02

Just checked out on a comparison website and my renewal price dropped £35 (edit - 8%!!) by saying it was parked on a 'public road' instead of 'driveway' overnight.

Baffling. Anyway, looks like I'm going to park it on the road this year then

edwarhys · 13 Jul 2015 at 13:03

Have you tried

Only young drivers
Direct Line
Co-op

slick rick · 13 Jul 2015 at 13:03

millsd44 said:
Just checked out on a comparison website and my renewal price dropped £35 by saying it was parked on a 'public road' instead of 'driveway' overnight.

Baffling. Anyway, looks like I'm going to park it on the road this year then

See, crazy isn't it!

Macwhite97 · 13 Jul 2015 at 13:04

slick rick said:
See, crazy isn't it!

Don't tell me this now! I only renewed a few months ago D:

slick rick · 13 Jul 2015 at 13:05

Macwhite97 said:
Don't tell me this now! I only renewed a few months ago D:

Haha, I should not have shared my secret, every one will do it an the loophole will be closed.

Macwhite97 · 13 Jul 2015 at 13:11

As an extra note for cheaper insurance. Mileage can make a huge difference to the price. 6,000 miles a year is the sweet spot at our age OP. Anything more and the price can be stupid and any lower and you'll probably easily go over your mileage. All depends on you really though.