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Will my insurance become cheaper if I wait around? watch

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    I'm a 21 year old female. I passed my driving (in a manual car) in March 2017 so it'll be a year soon.

    I'm currently doing my Masters and working part time so my income is limited..

    I get dropped off everywhere. My dad and brothers have already got cars so when I do get my car, it will most likely be just under my name. Will the insurance become cheaper if my dad and brothers are drivers of my car?

    I researched and found that Toyota Yaris' are the cheapest when it comes to insurance. I do not have a drive.

    I checked my insurance last night (on a Toyota Yaris 2012 plate) and it came up to £3, 978.

    I don't need a car yet as I get dropped off everywhere. But I would like to become independent.. I was thinking to wait around a year (march next year will be 2 years since I've passed) so I can save up for my car and insurance. But I was wondering whether the insurance will go down over time?

    Any other advice on how I can get cheaper insurance?
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    (Original post by Anxnymous)
    I'm a 21 year old female. I passed my driving (in a manual car) in March 2017 so it'll be a year soon.

    I'm currently doing my Masters and working part time so my income is limited..

    I get dropped off everywhere. My dad and brothers have already got cars so when I do get my car, it will most likely be just under my name. Will the insurance become cheaper if my dad and brothers are drivers of my car?

    I researched and found that Toyota Yaris' are the cheapest when it comes to insurance. I do not have a drive.

    I checked my insurance last night (on a Toyota Yaris 2012 plate) and it came up to £3, 978.

    I don't need a car yet as I get dropped off everywhere. But I would like to become independent.. I was thinking to wait around a year (march next year will be 2 years since I've passed) so I can save up for my car and insurance. But I was wondering whether the insurance will go down over time?

    Any other advice on how I can get cheaper insurance?
    You can reduce the amount if you are put on a named drivers policy who has more experience. You need to be careful though as it seems like only you will be the driver, so that might not be allowed.

    Ways to reduce costs.

    1. Black box. Be wary.
    2. Lower cover
    3. Higher dedyctivle ie anount you pay before they have to pay.
    4. Cheaper car.
    5. Shop around.
    6. Consider getting a new car on finance with free insurance- sometimes it can be competitive.
    7. It can get cheaper once you pass 25.


    Will it drop? It also depends on the way insurance rates are going i.e price rises generally and they seem to be increasing at the moment.
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    (Original post by Anxnymous)
    I'm a 21 year old female. I passed my driving (in a manual car) in March 2017 so it'll be a year soon.

    I'm currently doing my Masters and working part time so my income is limited..

    I get dropped off everywhere. My dad and brothers have already got cars so when I do get my car, it will most likely be just under my name. Will the insurance become cheaper if my dad and brothers are drivers of my car?

    I researched and found that Toyota Yaris' are the cheapest when it comes to insurance. I do not have a drive.

    I checked my insurance last night (on a Toyota Yaris 2012 plate) and it came up to £3, 978.

    I don't need a car yet as I get dropped off everywhere. But I would like to become independent.. I was thinking to wait around a year (march next year will be 2 years since I've passed) so I can save up for my car and insurance. But I was wondering whether the insurance will go down over time?

    Any other advice on how I can get cheaper insurance?
    Check out this thread which may help you out: https://www.thestudentroom.co.uk/sho....php?t=4825738

    Just tagging AngryJellyfish to get this moved to the Cars and motoring forum.
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    (Original post by 999tigger)
    You can reduce the amount if you are put on a named drivers policy who has more experience. You need to be careful though as it seems like only you will be the driver, so that might not be allowed.

    Ways to reduce costs.

    1. Black box. Be wary.
    2. Lower cover
    3. Higher dedyctivle ie anount you pay before they have to pay.
    4. Cheaper car.
    5. Shop around.
    6. Consider getting a new car on finance with free insurance- sometimes it can be competitive.
    7. It can get cheaper once you pass 25.


    Will it drop? It also depends on the way insurance rates are going i.e price rises generally and they seem to be increasing at the moment.
    Having named drivers who scarcely actually use the car is fine. My brother in law has used the car once, but I'd rather him be fully comped on it then 3rd party-only via his own policy.

    1) Is a bad shout, don't get a box.
    2) I think there was one guy who got 3P insurance way cheaper than a fully comp, but it's extremely rare. Be prepared to go for some dog tier 1 star defaqto policy, it might not be the best service or dashboard controls, but it'll work.
    3) I don't even know what this is.
    4) Not so much cheaper car, just lower insurance group.
    5) Pretty much, make some calls, don't just rely on comparison sites. I found phone brokers get better deals
    6) With limited income? Very bad shout.
    7) Barely, you need a few years on the license with the NCB to back it up, else it's not as sizeable of a difference as people think.

    "I checked my insurance last night (on a Toyota Yaris 2012 plate) and it came up to £3, 978."
    Probably just a bad car for your area. Go for like an Ibiza, Picasso, Clio etc. These are good run-arounds, and yes, I am recommending French, god help me. That's still really high though, as a 24 year old on a 140BHP car mine isn't even that high, and I have an accident on record.
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    (Original post by nevershear)
    Having named drivers who scarcely actually use the car is fine. My brother in law has used the car once, but I'd rather him be fully comped on it then 3rd party-only via his own policy.

    1) Is a bad shout, don't get a box.
    2) I think there was one guy who got 3P insurance way cheaper than a fully comp, but it's extremely rare. Be prepared to go for some dog tier 1 star defaqto policy, it might not be the best service or dashboard controls, but it'll work.
    3) I don't even know what this is.
    4) Not so much cheaper car, just lower insurance group.
    5) Pretty much, make some calls, don't just rely on comparison sites. I found phone brokers get better deals
    6) With limited income? Very bad shout.
    7) Barely, you need a few years on the license with the NCB to back it up, else it's not as sizeable of a difference as people think.

    "I checked my insurance last night (on a Toyota Yaris 2012 plate) and it came up to £3, 978."
    Probably just a bad car for your area. Go for like an Ibiza, Picasso, Clio etc. These are good run-arounds, and yes, I am recommending French, god help me. That's still really high though, as a 24 year old on a 140BHP car mine isn't even that high, and I have an accident on record.
    Welll thanks for telling me I defer to your greater knowledge....
 
 
 
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