Young Car Insurance

HOW CAN I GET CHEAP YOUNG CAR INSURANCE ?

Question: Hi, please anyone know how or where can I get cheap young car insurance? I am 19 years old, I got pass plus certificate already, at the moment my quote it's £2300 per year I am looking for less and that thank you.

Answer: How young is your car?

Who's the best company for young car insurance?

Question: I know the kind of car to get for cheap insurance but i'm still looking at around £3000 for insurance, i was just wondering if there is any companies out there people my age can actually afford.

Answer: No magic company, no magic scheme. You have to shop around. £3000 is not unusual as rate for young drivers have risen a lot in the past few weeks alone

How to lower my car insurance, young driver.?

Question: I am 18 going 19 this year, and i want to know how i can possibly make my insurance cheaper, legally. I took my pass plus which is meant to cut the price down by a bit, but I've found most internet comparison websites don't ask if you have achieved pass plus, so would it be ideal to get a quote online THEN ring up and try knock the price down? Also what else can i do to cut the cost down, legally?

Answer: The following are legal ways to reduce the premium. However some are counter-productive i.e. they may cost more than you save. 1) Buy an old low group car (you can get an idea of insurance groups from Parker's guide) e.g. a Renault Clio, old-type mini/ fiat panda/ ford fiesta. 2) Third party, fire & theft is probably the cheapest cover. 3) Consider a 'birthday' policy - some insurers will give a 6 or 8 month policy and then give a discount at renewal - this can be useful if your birthday is reasonably soon. You will have to stay with them at renewal because you won't have any valid no claims bonus but the year after you will probably be given a 2-year bonus. 4) With TPFT you probably can't increase the excess - you may be able to with some insurers. 5) You can improve the car security by installing a Thatcham I alarm/ immobiliser or a tracker - but these cost quite a bit of money. 6) It may be cheaper if you add a parent onto the policy - providing they have had no claims or convictions - always worth looking into. 7) Garage the vehicle at night and declare the fact to the insurance company 8) Declare you will only use the car for a few miles a year - if you do this you should stick to it so try and make an honest effort to be accurate. 9) There may still be a 'pay as you drive' scheme around. If you do join one make sure you drive during the day - late-night driving is expensive.