animal47 Posted July 17, 2014 Share Posted July 17, 2014 I am hoping that some of you have been in the same boat so can offer advice. My daughter is at a point where she is ready for her test so will be wanting a car but insurance quotes are doing my head in, I have spent hours on comparison sites trying to get decent quotes and so far the cheapest I have come up with is about a grand on a bloody Daewoo matiz 800cc and even that is only if paid upfront , lowest quote with instalments available is around Quote Link to comment Share on other sites More sharing options...
Rayy Posted July 17, 2014 Share Posted July 17, 2014 give admiral/diamond and elephant a go. i personally think 1600 is average for someone who has just passed and not held their license long. my girlfriend who has just passed her driving is paying around 1400 for a 10month policy on a yaris 1l and shes 21 yr old. if shes getting a quote for her to be the main driver and policy holder, adding someone who is older and has driven for a while should defiantly reduce the premiums. only other things is to get a tracker box installed or have her wait a few months as she will have held her license for longer Quote Link to comment Share on other sites More sharing options...
PurcyP Posted July 17, 2014 Share Posted July 17, 2014 Mine was Quote Link to comment Share on other sites More sharing options...
mayzie12 Posted July 17, 2014 Share Posted July 17, 2014 Only thing i could suggest is to try cars you would never see a 17 year old in. For instance it was cheaper for me to get insured on my current car, Rover 75 2.5 V6, as it was my mums old Honda Jazz which was only a 1.4. Could even get insured on a 4.0 Jag XJ for the same. Not suggesting a jag is a realistic alternative but it gives you an idea that there is cheaper deals out there, if you pick a bit more of a random car All of my best quotes were with Aviva, General Accident and Only young drivers, the latter of the two are both underwritten by Aviva anyway 1 Quote Link to comment Share on other sites More sharing options...
Jaycool Posted July 18, 2014 Share Posted July 18, 2014 (edited) Join the Institute of Advance Motorists (IAM), check in your area for a local IAM group. It will make your daughter a safer driver and once you have passed their test - you can get cheaper car insurance and other great offers Edited July 18, 2014 by Jaycool Quote Link to comment Share on other sites More sharing options...
jony nitro Posted July 18, 2014 Share Posted July 18, 2014 (edited) You can have a box put on your car where it measures your speed and driving, that's your other option, Edited July 18, 2014 by jony nitro Quote Link to comment Share on other sites More sharing options...
Madmini Posted July 18, 2014 Share Posted July 18, 2014 Sadly new drivers pay through the nose for car insurance. My first year has cost me nearly 3k so far and in driving a clapped out old 106 Quote Link to comment Share on other sites More sharing options...
53HRA Posted July 18, 2014 Share Posted July 18, 2014 Try Tesco insurance.I passed 4 years ago and still with them! Really good deals Quote Link to comment Share on other sites More sharing options...
shdaxner Posted July 18, 2014 Share Posted July 18, 2014 (edited) Yep, unfortunately young drivers do pay through the roof, when I passed at 17 (10 years ago) even then I paid Edited July 18, 2014 by shdaxner 1 Quote Link to comment Share on other sites More sharing options...
Alex97 Posted July 18, 2014 Share Posted July 18, 2014 Try Tesco insurance.I passed 4 years ago and still with them! Really good deals on go compare I found tescos was almost the cheapest on any car I looked at. I got the price to around 1 Quote Link to comment Share on other sites More sharing options...
Juggernaut jims Posted July 18, 2014 Share Posted July 18, 2014 sounds unusual but if you go for smaller cars they normally cost more for instance i could get a 1.4 mg zr for Quote Link to comment Share on other sites More sharing options...
TiM! Posted July 18, 2014 Share Posted July 18, 2014 (edited) I had a Citroen C1 for my first car and that wasn't bad on insurance at all. While I had a provisional it cost me Edited July 18, 2014 by TiM! Quote Link to comment Share on other sites More sharing options...
PurcyP Posted July 18, 2014 Share Posted July 18, 2014 if you guys havnt already get a quote from only young drivers they are genuinely rather decent Quote Link to comment Share on other sites More sharing options...
maesterio Posted July 18, 2014 Share Posted July 18, 2014 The cheapest I would say is coop young learners insurance, all my brothers mates and himself are on it, I can count 5+ people! they have from new golfs to Astra's etc 1.6 1.8l engines and there insurance is no higher then 1.6k. My bro is 18 and his insurance is 1,500 Quote Link to comment Share on other sites More sharing options...
animal47 Posted July 19, 2014 Author Share Posted July 19, 2014 Cheers everyone plenty of options to look into. I have actually managed to get a quote for Quote Link to comment Share on other sites More sharing options...
stretch Posted July 19, 2014 Share Posted July 19, 2014 It used to be the case that if you added a young driver to the parents car/policy it worked out cheaper but the problem with that is they wouldn't earn that all important NCB and if they had an accident the parents policy would be affected/go up. Quote Link to comment Share on other sites More sharing options...
Juggernaut jims Posted July 19, 2014 Share Posted July 19, 2014 Yea because people would get insured on stupid cars as a mate did an fiesta rs turbo with his parents and was only 1.4k and just passed his test. So they shut it down and made it more expensive for other people. 3rd party is normally higher too, black boxes are not good unless ou plan to drive like a 80 year old as any sharp breaking or turning or even speeding is noted down as a bad point also they monitor how you use the car as in miles you do as to what you quoted. Best off shopping around for cars see what is liked and then run them all through comparison websites for insurance. Quote Link to comment Share on other sites More sharing options...
mydoddy69 Posted July 19, 2014 Share Posted July 19, 2014 Google young driver insurance tips and try the black box scheme where it monitors you and your only allowed to drive between certain times of the day ? Quote Link to comment Share on other sites More sharing options...
shaun17 Posted July 19, 2014 Share Posted July 19, 2014 My 1.4 polo is only Quote Link to comment Share on other sites More sharing options...
PurcyP Posted July 19, 2014 Share Posted July 19, 2014 My 1.4 polo is only Quote Link to comment Share on other sites More sharing options...
shaun17 Posted July 19, 2014 Share Posted July 19, 2014 Yeah, everyone told me I was paying silly money, but just sucked it up and paid it, should drop next year, hopefully Quote Link to comment Share on other sites More sharing options...
GunnersRC Posted July 20, 2014 Share Posted July 20, 2014 (edited) As has been mentioned. Think outside the box when you pick your car. Engine size is irrelevant. Groups mean nothing, as insurance companies have their own internal grouping system based on set criteria they determine, such as risk statistics. My first proper car was an ST24, 2.5l V6. Paid Edited July 20, 2014 by GunnersRC Quote Link to comment Share on other sites More sharing options...
EpicLURcher Posted July 20, 2014 Share Posted July 20, 2014 (edited) My mini one is Edited July 20, 2014 by EpicLURcher Quote Link to comment Share on other sites More sharing options...
Juggernaut jims Posted July 20, 2014 Share Posted July 20, 2014 You believe the wind they put your skirt for it then? Try telling that to the person who swerved and break hard to avoid hitting a car then getting hit by the insurance company for Quote Link to comment Share on other sites More sharing options...
EpicLURcher Posted July 22, 2014 Share Posted July 22, 2014 Its not done on one incident, e.g avoiding a crash. Its done on repeated hard bringing, excessive cornering speeds etc. and yes, they do charge you for miles, so you have to be observant of how far you drive, and if you are going to go over you have to by more. Fair enough. Its saved me Quote Link to comment Share on other sites More sharing options...
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