Car insurance for a 17 year old boy?
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low cost car insurance Question by Delta_301: Car insurance for a 17 year old boy?
Hello
Yesterday, I passed my driving test and am, of course, really looking forward to driving. I spotted a Renault Clio I liked with a 1.1 litre engine. It’s nothing special, just a first car (which would mean the world to me)
I was always aware insurance was going to be a struggle. I insured myself with Provisional Marmalade while I was still learning, so I could drive my mum and dad’s car as additional practice.
Prov. Marm. have another part to their company, Young Marmalade for newly passed drivers, apparently giving you the best quotes, however I couldn’t find anything under £3000!
I am a 17 year old boy living in the Northeast of Scotland, one of the most common places for a collision in the whole of the UK. However, I am not in anyway a dangerous driver. My dad has been driving for 50 years and told me he feels very safe while driving with me as a learner, and I always stay within the speed limit, with the exception of if I don’t realise I’m doing over the limit.
My mum and dad have been saving some money for me for about 10 years, but it’s only about £1300, and I don’t have any more money apart from that. It’s not going to be enough and I have really been let down by the insurance, because that Clio I saw was £600.
The lowest quote I managed to find was £1634.70 a year from the Co-Operative Young Driver insurance, and with that you get a device fitted in your car to monitor how you drive, and if you drive within speed limits, and safely, I guess your monthly cost comes down a little bit.
Anyway, I’m waffling on here.
My question was, does anybody know of a REALLY good insurer for 17 year old boys who would:
-take their price down for one of thse devices being fitted
-offer decent discounts for Pass Plus or an Advanced Driving course?
A car and amazingly cheap insurance would mean the world to me at the moment, because there’s nothing worse than the feeling of only getting 1 minor fault on your test then realising you can’t drive due to the greedy bastard insurance companies.
Thanks for all the help.
Looking at some of these answers:
I just think, innocent until proven guilty. They shouldn’t be allowed to charge 17 year olds that amounts. (the people who have the least amount of money anyway)
They should charge a reasonable price to begin with, then push it well up for the specific driver who has an accident. That way, the safe young drivers who are sensible on the road can enjoy cheap insurance with petrol money to spare, and the irresponsible drivers can suffer and hopefully learn from their mistakes, when they see their sensible friends getting this cheap insurance.
low cost car insurance Best Answer:
Answer by Cuppycake
I live in the States, so I’m not sure how much help I’ll be. But I can tell you this: the most expensive car insurance rates apply to high-school and college-aged boys (16-24). Insurance companies know that the people most likely to wreck are inexperienced drivers who are distracted, irresponsible, and trying to show off.
Your rates will drop if you drive a more sensible car (NOT that sports car), if you get married, if you have a child, and when you turn 25. I’m female, and when I was 16, my car insurance was $ 126/month and that was for liability only. Now, I’m 23 and I’ve been married 4 years. Car insurance on my car (full coverage, $ 500 deductible) and on my husband’s car (liability) is only $ 67/month. Together. It’s crazy. Before we got married, our car insurances added up to be over $ 300/month. When we got married and when he turned 25, our rates dropped considerably.
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Insurance for teenagers usually is £2-3k so the £1600 you’ve been quoted is a really good price.
The “greedy bastard” insurance companies know from bitter experience that a teenage behind the wheel means a 1 in 4 chance of a claim, which could easily be into the tens of thousands if you write off a new BMW and hurt someone. You might not think that’s fair, you might say that YOU won’t drive like that, but don’t you think all the other teens say exactly the same thing?…
All you can do is pay up and keep your nose clean till you build up some no claims discount and it’ll get a bit easier.
To be completely honest, “The lowest quote I managed to find was £1634.70″ is a fantastic deal – I’d bite their arms off for it! I’d expect to quote £2500-4000 for this vehicle at your age! A “safer driving” policy is only to your benefit, as you’ll be driving more carefully thus significantly reducing the chance of you having an accident.
Several companies offer an extra discount for doing Pass Plus, whcih again is for your own benefit too, as it gives you supervised experience of using motorways etc (I never did Pass Plus, and made a few mistakes on motorways when I’d never really been on them before!)
£1600 is a great deal, especially if the policy is in your name (which is not only LEGAL since you’ll most likely be the main user of the vehicle), and you’ll be earning your own No Claims Discount early too. This should set you in good stead for future years, since insurance will be nothing short of “pretty expensive” until you turn 25. If you’re a good driver and stick to the speed limits etc, then this type of policy might be good for you. Apparently your montly premium gets reviewed if you’re driving well too
You just are not going to get cheap insurance at 17 no matter what you do.
Unfortunately you have seen over the past few years teens able to afford cars when times have been economically better and insurance has been actually underpriced compared to the risk to the insurance company. Naturally you are now old enough so would like a car just like the teens that went before you.
The situation is now different and your expectation is not realistic. It was the same when I was 17 over 30 years ago. Even with a good full tim job I, just like my mates, got around to work and play on small motorcycles. You will find that more and more are doing that now and maybe it is what you should be looking at.
By the way £3000 is actually quite cheap in comparison.
Looks like that is the way it is now for younger potential drivers. At various times as you go through life there will be things you would like to be able to do or have but due to age and/or finances you cannot – for many teens this is how it is now for cars in that just like me and a new Ferrari I don’t have enough money.
hate to disagree with you on greedy insurance companies ..the truth is ..they don’t want you ..not you but youth in general ..youth in general has too many accidents .they hurt and kill too many and the cost to settle the average claim ..due to injuries is £5.000.000 that’s why they don’t want you .an average girl aged 17-24 is more liable to die as a passenger in a car driven by a 17-24 year old male than any other reason ..you could restrict your mileage ..you could offer not to drive between the hours of 7pm and 7am ..that’s when most accidents occur ..drive well have fun ..but don’t become a statistic
it’s crazy
There is no ONE insurance company that is right for everyone – everyone is rated individually – and all companies have different “likes and dis-likes”, different credit tiers, different business models, and many other factors that can vary your rate – and a QUOTE is ONLY a quote until the policy is issued. Theres’ plenty of quotes to get.-.!