Whats the cheapest way to get car insurance for a 17 year old male?

Cheryl B

Obviously you want the smallest engine size to keep the insurance down. Maybe a Corsa, Clio, Punto, Brava something along those lines. My son had an 1100 Clio and his insurance when he was learning last year was Â£395 with Quinn direct.

Don't listen to people who tell you to go on your parents insurance. It will do you no good in the long run as when you come to take out a policy in your name it will be like starting all over again as you won't have any no claims in your favour.

susie x â™¥â™¥â™¥

Go to one of the comparison sites and make sure you list that NOBODY else will be allowed to drive your car. My son did that and its the cheapest way. Its still cost him a fortune though.

jamesdean2002uk

cheap runaround,

get loads and loads of quotes,(around 20)

and dont crash !

lucymaryanne

IF you could take lessons on a driving instructors or parents car and pass your test before you buy your own car ie full license would make a big saving next but a low cc car 1000 to 1200 max. one other point if you were female you also get a much cheaper quote

agius1520

admiral car insurance is quite good, any car with small engines will be cheap to insure, something like a fiesta of corsa 1.2 will be relatively cheap.

The best thing you can do is get a pass plus after passing the test, most insurance companies give you one years no claims for havign that and it lowers your premium by about 40%, thats what happened for me anyway.

Bethany B

Many websites give you cheap insurance companies like -

http://www.confused.com/
http://www.moneysupermarket.com/motor/
http://www.comparethemarket.com/

J G

I always use http://www.confused.com every year for my renewal, they tend to get a good range of prices.
Just a couple of extra things;
Adding an older driver usually won't make much of a difference: The premium is calculated on the highest risk driver.
Car insurance is determined by several things;
The insurance group of a car: Usually, but not necessarily, related to performance, desireability etc., Check out http://www.parkers.co.uk for car prices & insurance groups
Your location: Rural areas tend to be cheaper - If, for example, your parents are separated, get a quote at both addresses: You may halve your quote in one go!
Your expected mileage: Average is 12,000 per year, but as a learner or full time student, you may only cover a fraction of that.
Voluntary excess: This is the amount you're willing to pay if you have a claim - Amounts range from Â£200 to Â£1000, but take these into account when looking at your quote. You can save a lot by offering to pay a higher excess in the event of a claim.
Security: Not all it's cracked up to be; you may find that spending Â£300 on an alarm knocks nothing off your insurance.

In all, spend a few hours on thew comparison sites getting quotes on a likely selection of vehicles, mileages etc.,

Good luck.

welcome news

If you don't mind quality of cover (and you won't until you make a claim) then there are plenty of aggregator websites who will provide the cheapest quotes for a 17 year old.

With regards to 'going on parents policy' please note the following.

If you want to learn in your parent's car then they can add you onto the policy -this may cause problems as many companies won't allow young additional drivers onto a policy - best bet is to see an insurance broker.

If you become the main user of your parent's car then they will have to tell the insurer and pay the extra. This is still relatively cheap as they presumably have maximum no claims bonus - make sure they protect it!

If you buy a car for yourself then you will have to insure it - there is no qay of avoiding this legally. Look in Parker's guide for a car with a low insurance group - probably 10 years old or so.

The cheapest legal way is this. NB you must be very careful and tell the truth to the insurer.

1) decide on the car.
2) get your parents to buy it and register it in their name - keep the purchase receipt showing that the parent bought it.
3) get your parents to insure the vehicle on their current policy, REPLACING the vehicle that they have and MAKE SURE that the principal driver of the new car is declared - i.e. you. ALSO: make sure the policy is a protected bonus policy.

4) Your parents now need a new policy for their current car. They can't use the no claims bonus earned on their old policy as this is being used by the new car BUT they should get a good deal on a second-car introductory bonus.

5) Get quotes for all the above actions BEFORE you commit yourself.

Please note that you do not earn any no claims bonus this way, however if you manage to drive without accident/ conviction for a couple of years then you won't have to pay as much.

Send me my fee for Â£100.00

Amazingwoo

Cheapest cars to insure are those with low engine size so your 1 litre Clio / Micro / Fiesta would be good although street cred can be an issue!!

Avoid anything that says 'Sport'.

If possible, have yourself as a named driver on your parents insurance - this can lower premiums a bit.

For my first car I went through Elephant.co.uk and found they were the cheapest of the bunch for the bog standard fire, 3rd party and theft.

Sadly, the fact you a male, 17 and this will be your first car doesn't bode well for insurance - you'll be looking at a hefty wedge of cash to shell out. You could take the Advanced Driving test (your Instructor should have info) as some insurers give you a reduction in premiums if you have passed this.

Good luck!

Master Joker

when i turend 16 i used Insure One and it cost me $1,098.12 for a whole year on a 1995 Nissan Altima..Liability.

now im 18 and i use Safe Auto and its costing $1,234.67 for only 6 months.. and thats on 1996 Nissan Altima..

I only got a 1 year newer car and changed insurance companys and I'm getting ripped off to the MAxXx!

Oh and it was all under my name.. if you crash and its under yur parents name there rates go up.. so why mess up there rates to save $200.00??

Orla C

You'll have to get the car registered in your parents' names, and then they will have to insure it in their names with you as a named driver. It's the cheapest way by far.

barnzy

its going to cost loads. so if u can go on your parents policy as a named driver

ian s

Ask your mum to put it on your dads insurance.
He'd do it for her, and she'll do the persuading !

I think what you would gain on future no claims by 'doing it yourself' would be lost on your 'young age premium' paid now.

Maybe your mum needs a 'new' little 'old' car ?

Wonderwall123

go under your parent's plan

stark_uk2000

The cheapest way in the short-term is to have your parents put you on their insurance as a 'named driver'. However, this will not do you any favours in the long run, as you will not accrue any no-claims benefits in your name, and then when you want to take out your own insurance in a couple of years without any no-claims bonuses, it will be just as expensive as it would be if you did it now.

The best thing to do is bite the bullet and pay out for your own seperate insurance. It will be more expensive for the first couple of years, but then you will see the benefits of getting your own no-claims bonuses in your own name, and your insurance will become cheaper.

Do you really need a car right now or can you wait a couple of years? You will find that insurance is much cheaper when you are a couple of years older.

Having a cheaper economy small car will be cheaper to insure, stay away from flashy boy-racer cars, stay away from any 'modifications' like spoilers, etc, stay below 1200 cc engine size, keep it garaged, even the colour will make a difference (red cars are more expensive to insure than a green or blue car).

Passing any 'advanced' or 'driver-plus' test, will also help you get cheaper insurance. Again, you have to invest the price of more lessons & test, but it will pay off in the long run.

Shop around for insurance quotes. Get quotes from at least 6 different insurance companies. You will be surprised at the difference in price between different insurance companies.

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