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Your Questions About Cheap Car Insurance For 17 Year Olds Help

July 9, 2013

Helen asks…

Cheapest way to get insured for a 17 year old male?

Its nearly time to start driving, so i am just curious about a few things.
I need to get insured the cheapest way possible.
Is it cheaper to get insured on a commercial car? I would gladly buy one if it could be cheaper.
Would that be cheaper than getting insured under my moms 1.1l petrol peugeot 206 03?
Please help!

Administrator answers:

A van, I assume you mean, will cost around twice as much to insure as an equivalent car.

If you get added to Mums insurance it will cost her or you around the same as insuring your own equivalent car – this is to prevent an insurance scam known as “Fronting” of which details are explained on the link below.

Fact is the insurance premium represens your financial risk to an insurer for being on the road in a car and whichever way you try to do it they will get the same amount or more from you. On average expect to pay £3000 a year and maybe a whole lot more.

Mandy asks…

What is a good first car for a 17 year old?

My little sister is about to take her test and we’re quite sure she’ll pass, we’ve put away about a grand (£1,000) for her first car, does anyone have any ideas on what a good one would be? I heard her on the phone slagging off Ford fiestas though because all her friends have one so what else would be something good and within the price range?

Administrator answers:

She’s probably not going to keep her first car long anyway, so she could go for absolutely anything she liked.

With £1000 you could buy an ex-rep car from the local car auction; it would have high miles (very high) but it would have been maintained every 6mths under fleet contract.

Passat, Vectra, Astra, Golf, etc.

If she’s more inclined to keep it for 2-3 years, then go for one of the deals from Arnold Clark or the like. £99 deposit and £whatever per month for 3 years. At the end of the 3 years she can trade it in and keep making her payments on her new car.

Or….. She could splash out on something a little bit older but with more style, like an older Celica or MR2 (never get insurance though).

Or…… The best idea is to go for something like a Golf Driver, Saxo, Corsa. Cheap, light, good of fuel and easy to insure.

John.

Mark asks…

How much would it be to insure a 17 year old on a Nissan Navara Pick Up Truck?

‘JUST OUT OF INTEREST’

I have always wanted a Nissan Navara Pick up truck and i turn 17 in october, its unlikely i will be driving till next year! i was just wondering an insurance estimate on, say, an 08 plate?

Im not fussed weather it is ‘expensive’ i know it wont be cheap and the companies are unlikely to insure me on them but i was just wondering about a price.

Its hard for me to go on insurance websites as i do not have a license and know any information.
I have herd they are in Group 11 insurance..

Also are they classed as a Van/Car/ Etc?

Would just like an average quote please! don’t want answers with ‘depends on this, this or this’..

Thanks very much!

Administrator answers:

Ask an insurance company, but bargain on £5-10k if you can get insurance at all.

Charles asks…

How much is car insurance for a 17 year old girl?

I’m trying to find out how much insurance will be when I buy my car, but websites like go compare wont let you check until your 17 :)

No idea what you need to find out so heres some details :)

Vauxhall Corsa
Specification 1.0 12V GLS
Transmission Manual
Engine Size: 973 cc
Fuel Type: Petrol

Thank you :) x
It’s in the UK :) x

Administrator answers:

There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance YOU HAVE GIVEN US VERY FEW OF THESE – which are mainly;
1 Age and sex of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers.
2. The cars age, mileage, value, insurance group, security and the companies own claims history for that vehicle
3. The occupation of the policyholder and any named drivers
4. The claims history of any drivers
5. The licence details of drivers (endorsements, length of time held)
6. Where the car is normally kept overnight (is it the policyholders address? On road is more expensive than on a drive which is more expensive than in a locked garage.
7. What use will the car be insured for, social and domestic is the minimum but if commuting and use for the policyholders business or their employers business is added the price increases. If used to commute where is the car to be parked when there – on road or in a car park.
8. Does the car have any modifications from the standard factory fresh condition like alloy wheels or performance enhancements – some insurers will refuse to cover modified cars, some will increase the price and some will cover them but only for return to standard.
You need to tell the full truth about everything asked and inform them of any changes to any of the details disclosed as the policy goes on – failing to do that can render it null and void.

Some younger drivers consider putting the car and insurance in a parents name with the parent as a fraudulent main driver and them as an occasional named driver to cut the premiums. This common scam is called “Fronting” and is an illegal act which can get parent and son/daughter into a lot of long lasting expensive troubles.

Most insurers offer a monthly payment scheme and most need about 15% up front to start the cover. The scheme is usually in the form of a loan and so interest is charged – this can be as much as 25% APR. This is usually at rate which is higher than most credit cards even charge so look at other ways to borrow the money to spread the cost if possible as it will be cheaper.

With a few minor differences these are the questions you will be asked before being given a quote. Not having supplied these details on Yahoo Answers, and who would, it is impossible to give a guess of a price for you to within even £1000 for a younger newly qualified driver.

David asks…

How do you get cheap classic mini insurance when your 17 and its your first car?

My friend (also 17) got his insurance for £998, i asked and he said about classic mini insurance and joining a mini club, can someone explain and help me?

Administrator answers:

Let me see if I understand this correctly:

You have friend who has a ‘classic’ Mini.
He is 17 years old.
You are also 17 years old.
He clams to have paid just £998 for his insurance.
You don’t know how he did that.

So, why can’t you simply ask your friend who owns a ‘classic’ Mini and paid just £998 for insurance, how he managed that miracle? Nobody here can answer that – but surely your friend can, can’t they?
Assuming they are not lying, of course…

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