Cheap Car To Insure

mealmond

Hi

We are looking for a cheap car as a first car for our daughter, only looking to spend about £1k, hoping to get something with a long MOT and may just replace the car if the MOT is a problem in the future.

We have been expecting high insurance but some of quotes make our eyes water.

Any suggestions for the best cars with lower insurance, it is not an option just to add onto the family car as she is at university.

We have look at Micra's etc but the insurance has been coming back at about £2.5k

Thanks for any suggestions


Martin

phill99

Sadly, it isn't the car that is the problem. It is your daughter! New, young drivers are being priced out of the market. To reduce the premium, add ypu or your Husband as a named driver. Also look at an older car such as Fiestas, Corsas, etc.

Herzlos

Also look for cars that aren't your typical new driver cars, like volvos and/or estates.

worried_jim

Herzlos wrote: »

Also look for cars that aren't your typical new driver cars, like volvos and/or estates.

As above think outside the box, a massive Volvo estate could be loads cheaper than a Corsa as very few young people wrap them around a lamp post where as all Corsa's get crashed into a bus queue daily.

izzy65

It's actually hard as there is no rhyme or reason with insurance companies , my daughter is 22 driving on full license for 5 years she has an Audi a3 2lt sports line and when it had to go in for some paint work she had a Audi A4 1.9tdi both the same age and the estate cost more to insure , go figure:)

forgotmyname

Estates and diesels tend to cost a bit more on the insurance.

Sometimes older cars can cost more to insure. When looking early last year, a 2003 car was cheaper to insure than a 1999 car.

I found we could insure a 2L petrol Ford Focus for less than a 1.4 Corsa.

Cash-Cows

It's just not worth it at those prices. You might as well just pay for a taxi everytime she needs to go somewhere.

s_b

look to having a black box fitted
restricted mileage
named full licence drivers
large excess seeing as if its pranged its not worth repairing anyway unless you chuck a tub of bondo at it

it can be done but the search engines offering lowest rates dont seem to do the job anymore
try a quote from Liverpool and victoria

Paradigm

Herzlos wrote: »

Also look for cars that aren't your typical new driver cars, like volvos and/or estates.

I tried that when my boy passed his test a couple of years ago, the quotes were eye watering!


He ended up with a 1.2 Corsa fully comp for around £1000, much less than we were quoted for old Volvo, Mondeo, Passat etc estates.


Telemetric policies worked out at around the same as the Corsa quote but came with limitations on use (curfews) but could (you'll notice the word could) reduce his premium if he drove like a saint.


He ended up biting the bullet & paying the grand to Admiral (his mum as named driver helped) & has now got 2 years no claims, no convictions.


He just swapped the Corsa for a 1.6 Civic sport.... premium £997 (he's 19) which isn't bad.


IMO the insurance co's have cottoned on to this unfashionable car malarkey.

jimjames

Herzlos wrote: »

Also look for cars that aren't your typical new driver cars, like volvos and/or estates.

Friend's son got a pickup like Hilux. Insurance was £800 compared to quotes for £2000 or so for a Corsa.

Definitely worth looking outside the normal cheap cars.

loskie

Does she need a car at Uni? Will she not just end up being a taxi for drunk mates?

If she must have a car, and I would be surprised if she MUST then what about some of the low cost leases that include insurance. Peugeot do one called "just add petrol" other makes will do similar. There may be age restrictions.

Or a classic shaped mini on classic insurance but dont expect any mod cons. Or safety features!