Car insurance for a 17 year old boy?
Question by Delta_301: Car insurance for a 17 year old boy?
Hello
Yesterday, I passed my driving test and am, of course, really looking forward to driving. I spotted a Renault Clio I liked with a 1.1 litre engine. It’s nothing special, just a first car (which would mean the world to me)
I was always aware insurance was going to be a struggle. I insured myself with Provisional Marmalade while I was still learning, so I could drive my mum and dad’s car as additional practice.
Prov. Marm. have another part to their company, Young Marmalade for newly passed drivers, apparently giving you the best quotes, however I couldn’t find anything under £3000!
I am a 17 year old boy living in the Northeast of Scotland, one of the most common places for a collision in the whole of the UK. However, I am not in anyway a dangerous driver. My dad has been driving for 50 years and told me he feels very safe while driving with me as a learner, and I always stay within the speed limit, with the exception of if I don’t realise I’m doing over the limit.
My mum and dad have been saving some money for me for about 10 years, but it’s only about £1300, and I don’t have any more money apart from that. It’s not going to be enough and I have really been let down by the insurance, because that Clio I saw was £600.
The lowest quote I managed to find was £1634.70 a year from the Co-Operative Young Driver insurance, and with that you get a device fitted in your car to monitor how you drive, and if you drive within speed limits, and safely, I guess your monthly cost comes down a little bit.
Anyway, I’m waffling on here.
My question was, does anybody know of a REALLY good insurer for 17 year old boys who would:
-take their price down for one of thse devices being fitted
-offer decent discounts for Pass Plus or an Advanced Driving course?
A car and amazingly cheap insurance would mean the world to me at the moment, because there’s nothing worse than the feeling of only getting 1 minor fault on your test then realising you can’t drive due to the greedy bastard insurance companies.
Thanks for all the help.
Looking at some of these answers:
I just think, innocent until proven guilty. They shouldn’t be allowed to charge 17 year olds that amounts. (the people who have the least amount of money anyway)
They should charge a reasonable price to begin with, then push it well up for the specific driver who has an accident. That way, the safe young drivers who are sensible on the road can enjoy cheap insurance with petrol money to spare, and the irresponsible drivers can suffer and hopefully learn from their mistakes, when they see their sensible friends getting this cheap insurance.
Best answer:
Answer by Cuppycake
I live in the States, so I’m not sure how much help I’ll be. But I can tell you this: the most expensive car insurance rates apply to high-school and college-aged boys (16-24). Insurance companies know that the people most likely to wreck are inexperienced drivers who are distracted, irresponsible, and trying to show off.
Your rates will drop if you drive a more sensible car (NOT that sports car), if you get married, if you have a child, and when you turn 25. I’m female, and when I was 16, my car insurance was $ 126/month and that was for liability only. Now, I’m 23 and I’ve been married 4 years. Car insurance on my car (full coverage, $ 500 deductible) and on my husband’s car (liability) is only $ 67/month. Together. It’s crazy. Before we got married, our car insurances added up to be over $ 300/month. When we got married and when he turned 25, our rates dropped considerably.
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