Cheap Car Insurance: Guide and FAQ

I'm 17 years old, and have spent a while looking for reasonably priced car insurance. I've found that insuring an Austin Mini, can cost considerably less than cars, such as Peugeot 106's, but I'm still confused as to what to do, and where to look...
-Should I try to start driving as soon as possible, to build up a no claims discount, or should I wait until a car is a necessity (perhaps when I leave home to go to Uni)?
-What sort of car should I be looking at (I've heard that 'Classic' cars are considerably cheaper to insure than many newer cars, such as the 106)?
-Where have you found the cheapest quotes?

Many thanks.

I'm 17 years old, and have spent a while looking for reasonably priced car insurance. I've found that insuring an Austin Mini, can cost considerably less than cars, such as Peugeot 106's, but I'm still confused as to what to do, and where to look...
-Should I try to start driving as soon as possible, to build up a no claims discount, or should I wait until a car is a necessity (perhaps when I leave home to go to Uni)?
-What sort of car should I be looking at (I've heard that 'Classic' cars are considerably cheaper to insure than many newer cars, such as the 106)?
-Where have you found the cheapest quotes?

Many thanks.

can someone help me place???? i got a quote on collingwoods car insurance company and it brought it right down, BUT im confused. do they not let you insurance with them once you have passed????? thanks x

Hi,

I'm the moderator for this section and have merged your thread into the cheap insurane sticky. The best advice is in the OP(Original post) of this thread. There's the money saving expert guide which you should follow.

Going over all the different things it tells you to can take literally hours but to save hundreds of pounds it's definitely worth it...

I'd say wait until a car is a neccessity as insurance is very expensive. No point having it just for fun unless you're well off financially or hae help.

Classic cars are cheaper to insure but as are a lot of "non-Studenty" cars. Avoid all the common Corsas/Clios/206s and the price will be cheaper...

Pretty sure the 1.25 zetec is a higher insurance group because of the 16v engine. I think the 1.3 duratec engine is cheaper to insure. Try adding one of your parents as a named driver to your policy, this helps mine a lot

I just typed in the same old details with AVIVA on the same car and I got an amazing quote of £1835. Perhaps they prefer my area to other companies? In addition to that, if I add my dad as a secondary driver (and he may well use the car) who has no claims in years then it drops to £1450. Is that right? It seems unheard of for a new driver. I must have done something wrong but I can't seem to find that mistake anywhere on my details.

Aviva are quite cheap for car insurance- ive found that out. It even looks like ill be staying with them when i renew in march as they are that cheap!!
It is perfectly possible to get those sorts of quotes if you look hard enough so you havent done anything wrong.
Id deffinately recommend adding named drivers though- so you where right to think about adding your dad. Try adding your mum as a named driver as well, and also anyone else you can think of, such as older siblings and grandparents, even if they wont need to drive it.

Aw, my poor 80 year old Granded added £250 on to the premium I added my mum and my older brother and managed to get the cost down to £1300 so thanks for that!

I passed my test yesterday at the age of 19 and spent most of the day phoning insurance companies. The cheapest I got was £5,500 and that is with a black box fitted, Quinn couldn't even quote me due to my premiums being over their limit of 6000 and Adrian flux quoted me 9000. They were all insured under my name with my dad and an additional. Can anyone shed any light on where to look next? I have a peugeot 206 1.4. Not the best car for a young first time driver to drive I know but it came up at the right price and couldn't say no. Thanks.

According to the insurance companies I do live in a high risk area, half of manchester is a high risk area so there must be some way around it. A group 1 car is out of the question since money doesn't grow on trees and finance is impossible with being self employed. Like I said before, I did buy a stupid first car but even the smaller engine group 1 cars come in at 6000 on comparison sites.

You tried all the big comparison sites?

Are there things you can do like storing it in a garage overnight at all?

And if you can't make significant changes then it could just be your can't afford it atm. Use public transport/ride a bicycle/walk places or get a motorbike and the insurance is 1/10th of the price.