Car insurance too expensive.

[benny3008]

A few months ago, I got a car insurance quote to see how much insurance would be once I pass my test, it came out at £2000 which was fine. I've got another quote today so I can insure my car on Tuesday providing I pass my test and it's shot up to £4000 which is way to much, there is no way I could afford that and can't see how any 17 year old would be able to! what the hell am I supposed to do now!? I even tried that new drivers insurance company that has rules like, you cant drive between certain hours etc.. and they quoted me £5000, they claim they know that insurance is too expensive for new drivers! they don't know sh!t if they think they can charge that!

[Count-A-Strong]

Have you tried adding an experienced driver to your policy. This can often bring the premiums down. Good luck.

[Buenchico]

Things to remember when trying to get your insurance premium down:

1. (Blindingly obvious, but possibly still worth mentioning). It really does help to make sure that the vehicle you intend to drive is in a very low insurance group. For a new driver to aim at anything outside of groups 1 to 3 is simply madness.

Group 1:
http://www.parkers.co...-group.aspx?ig=1#ig=0
Group 2:
http://www.parkers.co...-group.aspx?ig=2#ig=0
Group 3:
http://www.parkers.co...-group.aspx?ig=3#ig=0

2. Try both 'third party, fire & theft' (or 'third party only') and 'comprehensive' cover. (Strangely, comprehensive cover can sometimes be cheaper than 3rd party cover.

3. Consider 'Pass Plus':
http://www.direct.gov...newdrivers/DG_4022426

4. Add a more experienced driver to your policy.
NB: I'm NOT suggesting 'fronting', whereby a more experienced driver takes out a policy in their name and you get your name added as an additional driver. That's illegal. But taking out a policy in your own name, and adding a more experienced driver (such as a parent) as a 'named driver', can see a substantial reductions in your premium. (That's perfectly legal, even if the 'named driver' will never actually drive the vehic

[Buenchico]

. . vehicle).

5. Make sure that you've read this:
http://www.moneysavin...p-car-insurance#young

Chris

(I hate it when AB cuts off the end of a post without warning!)

[bennhoughton]

They charge that because that is the realistic price of insuring young drivers these days. Young males account for 90% of all fatal crashes - and over 50% of all crashes in total.

Why would an insurer want to lose money by insuring a young driver? Thats why you only get good quotes from certain specialist young driver insurers - and even they are losing money, plus the insurance provider is possibly based in Gibraltar and your cover wont be anywhere near like what it should be.

Unfortunately for new drivers, this age group are by far the most riskiest, and it is either hike their premiums up, or put those hikes across the amount good experienced drivers pay for their insurance...I am willing to bet none of the drivers over 30 in the country would like to see their premiums rise by £500 just so young drivers can pay less??