where can I find close to affordable insurance for new driver?

rev_henry

shelovestobuystuff wrote: »

How much difference does having the car garaged make to the premiums?I can apply to rent a garage at the end of our street from the council for about £12 a week,would the difference in premiums make it worthwhile do you think?

Only way to find out is to put it through the price comparisons, try gocompare, with and without the garage. At £12 a week though, I doubt it would be worth it. No wait, £12 a week is £600 a year!!! No way, not even worth checking.

lou49

DS passed his test last Monday, is 17, and I was about to post a query about car insurance till I checked out the Forums and saw this thread.

Have tried for umpteen quotes based on a) a new policy for DH's Suzuki Swift (which DD who is 22 also drives) based on the three of them driving it equally, and b) third party fire and theft on an old 'banger'( just for DS only.) The quotes are coming up as £2,500 to £8,000. We live in North London. Problem seems to be mainly DS's age and one company mentioned that where we live also made it expensive. Even asked about the hypothetical

DS desperate to drive and keeps coming back from school with stories of kids who have been bought new cars, OMG, thought we were in a recession. Presumably the people on here who have 'better' quotes aren't living in London.

Louise

shelovestobuystuff

I cannot figure out how the companies come up with thier quotes for various types of cars.There seems to be no rules I can use to figure out what cars would be cheap to insure(other than spening a lifetime getting online quotes for every variable).I have had quotes for insurance group 2 cars with tiny engines which are more expensive to insure than group 7 cars with bigger engines.
We have picked out a peugeot 206 because we found decent insurance ,£800,for that from two companies,but the quotes went up to nearly £3k for that 9 year old car.
Anyone know of any universal rules for figuring out what other cars we can look at knowing the insurance should be okay.
I thought cars in lower insurance groups and with small engines would work out cheapest but its not turning out to be the case very often.Infact we discovered that my son can get insured to drive an Audi A4(group 9 if I remember right) with I think it was a 1.9l engine cheaper with most insurers that for the 1.4l peugeou 206,not that we would allow him to drive such a powerful car initially.

goldspanners

shelovestobuystuff wrote: »

We have picked out a peugeot 206 because we found decent insurance ,£800,for that from two companies,but the quotes went up to nearly £3k for that 9 year old car.
Anyone know of any universal rules for figuring out what other cars we can look at knowing the insurance should be okay.

keep the estimated annual mileage as low as possible,this will help a bit.
im sure there is also a tool on this website to help find what job title could get some small reductions aswell, i used it and it saved me about £10,not much but it all helps. i dont mean say you are a doctor when your actually a mechanic. there are about 10 different job titles i could use.
and if i were you i would find a different car to the 206. they usually spell trouble.

rev_henry

shelovestobuystuff wrote: »

I cannot figure out how the companies come up with thier quotes for various types of cars.There seems to be no rules I can use to figure out what cars would be cheap to insure(other than spening a lifetime getting online quotes for every variable).I have had quotes for insurance group 2 cars with tiny engines which are more expensive to insure than group 7 cars with bigger engines.
We have picked out a peugeot 206 because we found decent insurance ,£800,for that from two companies,but the quotes went up to nearly £3k for that 9 year old car.
Anyone know of any universal rules for figuring out what other cars we can look at knowing the insurance should be okay.
I thought cars in lower insurance groups and with small engines would work out cheapest but its not turning out to be the case very often.Infact we discovered that my son can get insured to drive an Audi A4(group 9 if I remember right) with I think it was a 1.9l engine cheaper with most insurers that for the 1.4l peugeou 206,not that we would allow him to drive such a powerful car initially.

That really is bizarre. I have no explanation to offer. I've just put through a quote for a 1.9 A4 and it came up as £5500!!!! (I'm 17, male btw). So the whole smaller engine theory seems to work for me but not you/your son.

big_gay_kirk

i know what you mean.. as an example... i once had a 2.2 litre volvo estate..... which was 30 quid cheaper to insure than the 1275cc Chevette I had before.... up till the Cortina (45 quid) cheapest quote I ever had was 60 quid a year FC for guess what..... a 1989 Porsche 926...... which made it nearly 40 quid cheaper than a 1300 cc Allegro......

dora37

DS1 passed his test in Sept 2008 after trawling many comparison sites, the cheapest we found for his Corsa W reg 1.O club was with Churchill.

rev_henry

big_gay_kirk wrote: »

i know what you mean.. as an example... i once had a 2.2 litre volvo estate..... which was 30 quid cheaper to insure than the 1275cc Chevette I had before.... up till the Cortina (45 quid) cheapest quote I ever had was 60 quid a year FC for guess what..... a 1989 Porsche 926...... which made it nearly 40 quid cheaper than a 1300 cc Allegro......

Its just ridiculous sometimes. These insurance companies defy all common sense. They quite clearly don't want us to find the cheapest car to insure at all.