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Your Questions About How To Get Cheap Insurance For New Drivers

February 27, 2013

James asks…

whats the best insurance company for a young driver?

just passed my driving test and was wondering what the cheapest insurance company for young drivers is?

Administrator answers:

There is no one magic insurer that will be best for everyone in your circumstances and in fact what is the cheapest today could be the most expensive tomorrow. Car insurance works like that.

There is only one way of finding the best deal and it is a tried and tested method from a well known TV and radio guest who has an independent money saving expert website. The site sells nothing just gives advice -
Get quotes from at least 4 different comparison sites – none deal with all of the possible 200 ish insurers so do this to cover them
Get quotes from Aviva and Direct Line as they are on none of the comparison sites
Do not believe what they say when they reckon the best deals are on the net – its just wrong.
Now use the best 2 or 3 quotes to get on the phone and haggle. SEE THE LINK BELOW FOR LOADS MORE DETAILS AS THAT IS THE BASICS

Joseph asks…

What is the cheapest insurance company for a inexperienced 18yr old driver?

I’m looking ti out insurance on my soon to be new used car? I’m just now getting a license and I don’t know where to begin looking for insurance.

Administrator answers:

I always found with insurance it is best to price around. You will need to know a few things before starting.

You will need an idea on what vehicle you will be driving. They will ask if it is a 2 or 4 door, size motor ( 4,5,6,8 cylinder). If you are an occasional driver or the primary driver on the car. If you are putting insurance on someone elses policy or starting your own policy.

Give each insurance the same information to keep accurate quotes for comparison. Hope this helps some.

Ruth asks…

Can I insure a car that is already insured?

I am a new driver and want to insure a car, the problem is that car is already insured by my mom with AAA. I currently don’t have the money to use AAA as insurance so I was planning to get some cheap insurance right now. Is that possible? Or what would you recommend?
That is why I wanted different insurance. AAA wanted to charge entirely too much to add me.

Administrator answers:

You’re making us gals look bad. You can’t insure a car that is not registered in your own name. It’s your mom’s car and insurance. Period. If you’re under 25 years old you will find that even if you could buy insurance it would be DRAMATICALLY more expensive than if your mom added you to her policy.

Susan asks…

What the best, and cheapest car insurance to get full coverage on??

I moved to another state, need to change insurance companies, and have a 2000 pontiac sunfire.. its still in good shape and would like full coverage.

What the BEST, and cheapest insurance to get full coverage on??
I’m not a student (already graduated) and its paid in full. Good idea, I will jsut go around and get quotes. Can you negotiate for a better deal though or is it a final decision?

Administrator answers:

Insurance rates vary from company to company, so, your best bet would be to obtain a quote from different insurance companies to see who can provide you with the best rate. Only obtaining the rate from one company won’t let you know if you are getting the best rate.
If your vehicle is being financed (you are still paying on it), you would want to have comprehensive and collision coverage. Both of these coverages require that you select a deductible, which is the amount you are required to pay before the insurance company pays. Pick limits that are affordable for you in the event you have an accident (mainly go with the $250 deductible option). Also, pick liability limits that will protect you if you cause an accident, and that will prevent you from being sued in the end. For example, you have limits of 25/50/10 meaning that $25,000 will be paid for bodily injury up to $50,000 and $10,000 will be paid if you damage property. That might be the state limit, but if you hit a Hummer, you are out of luck and the other driver can sue you. Pick your limits wisely.

To compare rates, you can go to the following websites:

Robert asks…

Can teen drivers be insured on a salvage car?

My mom just got a car with a salvage title. I am 16 almost 17 . I have my license. I’ve had no accidents and no tickets. Also I am a 4.5 gpa student. Now could I be insured on a car with salvage title. What’s the cheapest insurance company. I’ll only be driving it on the weekends .

Administrator answers:

You can own a salvage title car at 16 or any age.

The cheapest insurance will be getting the car insured liability only. If you get full coverage, then get a high deductable.

I’ve owned 4 salvage titled cars[I still own 2] and the secret is><stay accident free.

Jenny asks…

What is the best insurance for new drivers?

I am 19 and I just got my driver’s license (better late than never). I need car insurance asap and am looking for suggestions fo cheap insurance for new drivers

Administrator answers:

Your best bet would be to get insurance under your parents household, but ask to be not listed as drivers of their vehicles, that way it won’t drive their rates up too far.
If that is not an option, I would go to a cheap local independent agency, and just get liability. I know those ads on TV are misleading, saying they will all save you money, and not as cheap as they claim to be, even with the cute mascot and all (they pay a lot for TV ads).
You can always call a local brand name agent, for a quote. Quotes and questions are free you know. Good luck.

Donald asks…

What companies offer cheap car insurance in the UK?

I am looking for companies that offer cheap car insurance in the UK for my dad by obtaining quotes and was wondering what companies you recommend.

Any extra details that may help are that my dad is a safe driver who has never had any accidents or convictions, he has been driving for 30 years and he has 8 years no claims discount which he still wants protected. Let me know if you need another details. Thanks.

Administrator answers:

No one company will be the cheapest or even below average cost for all drivers and all vehicles.

It is up to you or you dad to shop around to find the best rates for him.

Paul asks…

Cheapest car Insurance companies for younger drivers?

Does anyone know any car insurance companies in UK that are cheapest for first time young drivers. Im a 21 year old male and will be putting my parent as the second driver to reduce it.

Im not asking for cheap car insurance, I know that doesnt exist. But Im just asking for cheaper insurance companies because some of them are asking for ridiculous prices like 6,7 grand. I only want a second hand Fiat Punto, please help I cant afford this its just too much. Thank you.

Administrator answers:

Insurance cost depends on a LOT of factors, what would suit you would not suit another person,

Just take some quotes online, phone some brokers offline, walk into a broker’s office.

Sharon asks…

Can drivers of the same car have different insurance companies/policies?

I just got my license in December and I’m driving my mom’s car but I need car insurance under my name. We all know how expensive that is, especially for a teenage/new driver. So IF I were to find a different and cheap insurance company, can I cover her car under my name?

My mom has Safeway Insurance, if that helps.

Administrator answers:

” IF I were to find a different and cheap insurance company, can I cover her car under my name?”

Your question makes no sense. If you are merely going to drive Mom’s car, then all Mom has to do is to notify her insurance company that you now have a drivers license. (she should have done that the same day that you received your license)

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