Why is my car insurance so expensive

mikey72

Nothing wrong with that.
op as main driver, and parent or parents as named driver(s).
Provisional insurance isn't bad at first, but some companies charge excessive amounts when you pass. Quite often you will find changing company is more cost effective, but check cancellation charges if so.
Elephant, bell are worth a try.

(Always worth having a parent down as a named driver, if you are learning they can take over if they need to, then mum or dad can always drive it to the garage to get it fixed)

bouncydog1

You also say that your friends are paying X, which means that they are either older than you or have passed their tests a while ago so have more experience.

Unfortunately for nearly everybody, car insurance rates have increased dramatically over the past few months - the reasons being well documented on here in many threads.

Try a few insurers that do not advertise in aggregators e.g. NFU, Co-op and AVIVA, who apparently sometimes offer not so expensive rates for younger drivers. Buy a group 1 vehicle - check Parkers - just because you are talking about an engine size under 1.00 does not mean it will be lowest group, as lots of other factors influence ratings.

Put an older (parent age probably) experienced driver on the policy with a clean licence and no accidents - this should also help. You could also try a broker as they will have access to markets the public don't. Just be aware though that cheapest will not necessarilly be best - you need to make sure the policy gives you the cover you need.

hermans25

That's expensive at your age! Try Quinn Direct or Kwik Fitt, I doubt any other insurance scam, oops I mean insurance company will insure cheaper or do you have any no claims bonus? That can be upto 65% of the cost wiped out.

jojo1969

my son as just got his first car peugeout 1.1he is 19 he is the main driver and i am the named driver got it for just over 1k with elephant worth giving them a ring you need to buy low engine size and older car

hermans25

yes some companies are still accepting very cheap insurance but for this you have to spend your time on the internet in the search of your requirement

StrongWork

Consider slightly 'out of the box' cars as well. Although small cars with tiny engines should be the cheapest, premiums are based on risk - unfortunately this small cars are often bought by new drivers and more frequently are involved in accidents. Consider things like old Mondeos, old Vectras etc.

blackshirtuk

some insurers will offer lower insurance if the car is not used a certain times, night time i think. might be worth investigating!

fozzeh

Two words: Pass Plus.

Norwich Union (now Aviva) used to knock off 48% if you had it. Not sure about now.

geoffky

get a spy in the car and earn points by good driving..they reward you as you go along with extra miles and lower premiums..great idea for young lads

Mat_Lock

Are you using price comparison sites to get quotes if so, stop right now and start calling companies.