To wonder how young people afford car insurance?

[JacobReesMogadishu]

Dd is hopefully about to pass her test so I’m playing around getting car quotes for her. If we buy her a cheap, old 1ltr fiesta run around the quotes are £1500 for the year!

My car insurance firm won’t insure drivers under 25 so I can’t add her to my insurers unless I change insurance. I’ll go and get quotes for that in a minute but seeing as my car is a massive 1.8ltr car I can’t imagine it’ll be cheaper.

Can anyone please recommend a firm or some way of doing it cheaper. Go compare didn’t ask about black boxes and we’d be happy with this if it brought the quote down.

Black boxes? I never had one personally but alot of friends did and still do.

My DS had a 1 litre Citroen C1 and the insurance was ‘only’ about £800. My DH and I were both named drivers on there I don’t know if that brings it down? That does sound a lot for a 1 litre

Some cars are more expensive to insure than others, try get quotes on a few other little cars. E.g. punto, micra ect

Just got a black box quote with admiral and it’s £1700!

Its a nightmare...ive got 2 boys and they were almost 2k each to insure in their first year....one of mine had a black box with MoreThan Smart Wheels....dont use them...they were horrendous.

I would probably change insurers so that you can add her to your policy. When I passed my test I was 20 and my insurance once i got my own car was £200 a month 😱

Try a 998cc car.
Try a slightly older car with low mileage.
Try one that has no road tax because it has a small engine (I passed my test later in life and drove a citroen c1 998cc and that was £850 the first year)
Adding a named driver reduced mine by about 10%.
Sitting a pass plus also reduced mine.
Try a higher voluntary excess - just be aware if she has an accident she needs to be able to pay it.
Be careful about the dates you put in, so try for an insurance policy date that starts in 2-3 weeks time, that seems to be when you get better prices.

Try whacking up the excess as far as you can go. Adding yourself and putting a few different job titles in.

Admiral, Aviva and LV apparently let you do multicar with different renewal dates.

More here: www.moneysavingexpert.com/insurance/young-drivers/

So much depends on where you live. Most younger people I know end up waiting till they are older.

Citron c1 with me as an added driver is £931. Still a fortune but better.

Just hope we can find a c1 or punto when she passes. She will need an automatic which reduces availability drastically.

You can look up insurance groupings for all cars on I think whatcar.com. Insurance groups vary by car age and model type/engine size. When looking for a car for DS I wanted to make sure he could go up a hill on a dual carriageway safety and have the power to overtake on a country lane if required. Having hired a lot of small cars over the years there ate 1ltr engines and there are 1ltr engines. People with powerful cars themselves may not understand this is an issue but if you have ever had your foot flat to the floor going uphill and everything is going past you it's dangerous. When we asked DS about the type of car he would like he said either a Fiesta or a Polo. I started looking at insurance groups for these and specific models and it turns out you can get a much higher bhp small engine Fiesta for a lower insurance group than you can a polo so I would start researching the insurance groups of particular models first and then get some quotes based on that.

Look at brokers like adrian flux rather than going through go compare and the like. They seem to do good deals for drivers that are difficult to insure.

Try a non-typical first car. A really boring four door saloon, for example, with a mid size engine.

I got a very boring 1 litre car and the insurance was about £1k and I'm in my 30's. It's terrible. I saved for mine with a weekend job.

Try Marmalade. They have their own policy on your car.

Try Direct Line. They came in at £960 for a new FIAT 500 with a black box. £1200 without. We went without. Be careful with BB policies a lot of them can be quite restrictive so make sure you read all the finer details.

I’ve just added son on my policy for similar price to yours.

Can’t find an automatic c1 for sale in the whole country. Found a few Puntos but the insurance for those is back to £1400.

What’s a BB policy?

Will try marmalade and direct line. Thanks.

Sorry, just sussed it, black box.

Yes, the Fiesta might not be the cheapest car to insure. Look up insurance groups before buying anything. It might also be worth paying more for a slightly newer car, if the insurance is much cheaper.

If your budget stretches, something like a Skoda Citigo (or Seat Mii or VW Up which are all the same car) or a Toyota Aygo (there's the same cars again under different brands here too, Maybe the Peugeot 107? or the Citroen C1, which you are looking at anyway) might be quite a bit cheaper to insure. Also look for cheaper tax for another decent saving - a lot of cars have £0-30 per year tax, so a good saving over time compared to the other cars with £150-200 pa tax.

Definitely add you as a second driver to reduce the premium. Obviously not the main driver as this is illegal and easily detected. If there is a claim the insurance company will use mobile phone data and work locations/schedules to prove who uses the car more.

Be careful with BB policies a lot of them can be quite restrictive so make sure you read all the finer details

YY to this, many penalise driving late at night which is no good if she gets an evening job or shift work.

You just suck it up and pay it. My first year was £1,700 on a Fiat Punto but I was 18.

Came down to £600 the year after, but I’ll never forget that first

Try adding both you and your husband as additional drivers, or at least two older additional drivers. But no more than 2. And they must have clean licenses. I did that for years until it no longer made a difference on my insurance. But yeah chances are in the first year you'll be paying more than the value of the car for insurance.