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Your Questions About How To Get Cheap Insurance For New Drivers

May 11, 2013

Paul asks…

How to get auto insurance from a state that your college is in rather than your resident state?

I live in New Jersey where the auto insurance is relatively expensive. However, I go to college in South Carolina where the auto insurance is a lot cheaper than in New Jersey. How can I get the cheaper South Carolina auto insurance? Do I need a South Carolina driver’s license to do this? Should I buy a car from a South Carolina dealership?

Administrator answers:

You get insurance from the place where you live. Period.

David asks…

What is the cheapest auto insurance for a 19 year old female?

I am soon going to buy a used Toyota Corolla and I live in North Carolina. I am just starting to get my driver’s license and I was wondering what auto insurance is cheaper? Would it be cheaper if I was on my parents auto insurance?

Administrator answers:

Yes. It will be much cheaper for you to start off on your parent’s policy than on your own. A single 19 year old female on a policy will be expensive no matter what company you choose. If you start with your parents and build up a good history with their company, you can get the company to give you your own policy in 2-3 years at better rates than being a brand new customer with some other company.

Mark asks…

What is some good cheap car insurance for young adults between the ages of 18-24?

And I mean car insurance that you don’t have to pay over 100 dollars for.

Administrator answers:

Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement.

The best thing to do is call a LOCAL independent agent. Don’t go across town, or to some other city – look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies.

An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can.

In my agency, we have companies that do NOT run a credit score and welcome drivers with “less than perfect” driving records.

Most of the replies on this site say “go to this on-line carrier or that on-line carrier or that 1-800 number” but I’m sure that when you do, you will find some impersonal computer user with a script to work from and you won’t be able to talk with the same person every time you have a problem!

Good luck, drive RESPONSIBLY and I hope this helps!

Daniel asks…

How do young drivers get insurance?

I’m 17, the cheapest insurance quotes I’m getting are over £4,000, I have tried at least 2010 websites and companies including comparison, I can’t afford that for a years insurance do what am I supposed to do?

Administrator answers:

Many now cannot afford to run cars without major parental assistance. 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.

Carol asks…

What car is quite cheap to buy and is also cheap on insurance for a first time driver?

my parents are gettin me a car but im payin insurance .. any ideas?

Administrator answers:

The cars on the list below have a small engined low trim variant that is in the lowest group one fopr insurance so theres a good start -
Chevrolet
Chevrolet Matiz (05 on)
Citroën
Citroën 2CV6 (81-90)
Citroën C1 (05 on)
Citroën C2 (03 on)
Citroën C3 (02 on)
Fiat
Fiat 126 Saloon (77-87)
Fiat 126 Hatchback (87-92)
Fiat Seicento (98-04)
Fiat Panda (83-95)
Fiat Panda (04 on)
Ford
Ford Ka (09 on)
Ford Fiesta (08 on)
Nissan
Nissan Pixo (09 on)
Peugeot
Peugeot 107 (05 on)
Renault
Renault Clio (01 on)
SEAT
SEAT Marbella (88-93)
Skoda
Skoda Fabia Hatchback (00-07)
Skoda Fabia Hatchback (07 on)
Smart
Smart Fortwo Coupé (04-07)
Suzuki
Suzuki Alto (09 on)
Toyota
Toyota Aygo (05 on)
Toyota Yaris Hatchback (06 on)
Vauxhall
Vauxhall Corsa Hatchback (93-00)
Vauxhall Corsa Hatchback (00-03)
Vauxhall Corsa Hatchback (03-06)
Vauxhall Corsa Hatchback (06 on)
Vauxhall Agila (08 on)
Volkswagen
Volkswagen Fox (06 on)

Lisa asks…

what are you required to tell an insurance company?

As far as getting the cheapest insurance possible what information can I withhold from an insurance company (car).
For example: How many cars are at this residence.
I’m asking about a non-owners insurance policy so the quality of coverage is not an issue. Its simply to satisfy a state requirement. In addition I’m not asking what I can LIE about I’m asking what information would be better left unsaid if possible…

Administrator answers:

Brandon,

You will be required to complete an application. You must answer each question honestly. A named non-owner policy is going to ask about other cars in the household because it is expected that you will be named as a driver for cars that are regularly available for your use i.e. Cars in the household.

“For example: How many cars are at this residence.” That question will be asked. You can’t decide that that information is “better left unsaid”. Geez, Brandon just do it the right way. If you don’t you will be on Yahoo Answers, before long, complaining how the insurance company ripped you off.

George asks…

who is the cheapest insurance company for first cars?

i am a female, and i am just wanting to buy a cheap first car
i have tried looking at going on my dads but all insurance companies are coming out at nearly the same price as i would on my own insurance, my dad has a lot of no claims as well .
mr.hello. that is not true. it is up to 50% cheaper for a young female driver. it older experienced females insurance who is higher than older experienced male drivers.

Administrator answers:

Firstly, being listed as a named driver on a parent’s policy if you’re actually the main user of the vehicle is what’s known in the industry as “fronting”, and is actually a kind of fraud, and therefore illegal. There are severe penalties when you’re caught (as per the Road Traffic Acts), and it will make obtaining insurance not only more dificult, but more expensive in the future for both parent and child. If you’re going to be using the car the most, then just take your own insurance – that way you get the added advantage of building up your own no claims discount.

There’s no individual company that is “the cheapest”, you have to shop around. Insurers’ prices are not only based on your age, gender and model of vehicle; your postcode also has a significant influence on your premium. Some insurers will be more expensive in some areas than others. Try getting some initial quotes on aggregator sites such as moneysupermarket.com, which should give you a good idea about which companies are happier to entertain your risk than others. Call the top few companies, confirm the details, and make sure that’s the best price they can offer you (some will lower their premium just to attract the business).

Make sure you call some of the providers that show up as being unable to quote for your details, too – occasionally their rates can be incredibly competitive, compared to other prices you’ve been quoted – due to certain factors you may not have been eligible for their online discount, but they could turn out to be amongst the most competitive prices you’ve received.

ALWAYS check out insurance rates before you buy the car – I’ve seen many parents buy cars for their 17 year old children assuming their insurance would be about £1000, when the cheapest quotes they’ve had are for around £4000. 1.0-1.2 Vauxhall Corsas and Skoda Fabias tend to be the cheapest cars to insure.

And it’s not up to 50% cheaper, that’s rubbish. It can be slightly cheaper, but not by such a huge amount, especially if you’re young.

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