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How to get Cheap Car Insurance at 17?

Hello, I have tried everything to get chear car insurance at 17 but it seems to stay in the 2500+ Area.... How can I get it cheaper? I have had my license for a month but feel frustrated that I can't get a car because the insurance is too high!! Can anyone help?

Public Comments

1. You have to shop around - and look at a car that is a few years old, small in engine size and cheap to repair. Try adding a larger Excess - that usually reduces it - or can you get added as a named driver on Mom or Dads policy?
2. Have you taken a course in driver's ed? I took it this past year and depending what company you have it can save you 10-20% in some cases. Also, since I'm guessing you're a high school student, grades can also help you out. Once again, it depends on the company, but a 3.0 or a 3.5 are mostly required. Any bit saved helps.
3. You need to look for a car with group 1 insurance and then go from there. Whatever car you get it will be over £1K due to your lack of experience.
4. For a one month young driver, the insurance companies aren't going to be forgiving at all. Too many (proven) statistics stacked against you. Some things you could do are get on your parent's plan, get a car thats easier on the insurance premiums, call an insurance agent and they sometimes have multiple companies they can set you up with, you could take drivers ed courses or something similar, you could buy security systems for your car which takes the premiums down, or you could just not be young haha. but seriously, as of right now all you can do is be frustrated because insurance is required and they can charge what they feel. EDIT- ignore the dude who posted below me, he's either an insurance agent or a haggler, but either way he's a dumbass ;)
5. We insure cars, not drivers. If you don't yet have a car, how can you say the insurance is 2500+ ? You wouldn't know ...... You cannot know until you give the insurance company a specific car to rate. what kind of car are you pricing? or..... Are you merely involved in a Y/A phishing scheme?
6. You don't just less expensive if you shop around
7. There is no magic formula or company that will get you cheap insurance. One possible way is to agree to a higher policy excess but only if you can afford that. Understanding what goes to make up the price might help if you are able to change something about the criteria. There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance - these are mainly; 1 Age and sex of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers. 2. The cars age, mileage, value, insurance group, security and the companies own claims history for that vehicle 3. The occupation of the policyholder and any named drivers 4. The claims history of any drivers 5. The licence details of drivers (endorsements, length of time held) 6. Where the car is normally kept overnight (is it the policyholders address? on road is more expensive than on a drive which is more expensive than in a locked garage. 7. What use will the car be insured for, social and domestic is the minimum but if commuting and use for the policyholders business or their employers business is added the price increases. If used to commute where is the car to be parked when there - on road or in a car park. 8. Does the car have any modifications from the standard factory fresh condition like alloy wheels or performance enhancements - some insurers will refuse to cover modified cars, some will increase the price and some will cover them but only for return to standard. You need to tell the full truth about everything asked and inform them of any changes to any of the details disclosed as the policy goes on - failing to do that can render it null and void. Some younger drivers consider putting the car and insurance in a parents name with the parent as a fraudulent main driver and them as an occasional named driver to cut the premiums. This common scam is called "Fronting" and is an illegal act which can get parent and son/daughter into a lot of long lasting expensive troubles. Most insurers offer a monthly payment scheme and most need about 15% up front to start the cover. the scheme is usually in the form of a loan and so interest is charged - this can be as much as 25% APR. This is usually at rate which is higher than most credit cards even charge so look at other ways to borrow the money to spread the cost if possible as it will be cheaper.
8. You will have to shop around as you do. Get a quote from insurers you get from yellow pages or from the web.
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10. There is a DVLA/insurer scheme which allegedly can knock up to 1/3 off the premium if you pass. Still pricey though. http://www.direct.gov.uk/en/Motoring/LearnerAndNewDrivers/Passplusdrivingcoursefornewdrivers/DG_4022426
11. Buy an old tatty low value car within group one. Zero value helps as well. Get your mum or dad to register it in their e name and run it for a couple of months third party or third party fire and theft. This will be a new insurance policy for the car but if they have a good relationship with their own insurance companies they will get a small no claims as a complimentary item. Keep the excess as high as you can within the family as well. After a couple of months you then as a named learner driver. This will increase the monthly insurance by x amount. Do all your learning and driving and practise in this tatty old car and then pass your test. Notify the insurance company of change of status and then at the renewal date change the car registration to you and become the named driver or leave the parent as registered owner but you as main driver. See which is cheaper. They will then have six to ten months clean driving history from you and they may honour the no claims history. That's how I did it with my daughter, I stayed a involved for the first two years and in the third year she moved to fully comp and we reduced it further by making her sole owner and driver which was odd but it took the premium down again. Monthly instalments help the costs as well. You have to prove to the companies how sane and safe you are, but being sensible can leave you like my daughter at 21 with a new Yaris, protected no claims and under 500. As boring as the tatty cheap car is it is the only way of keeping it down.