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Larry Said:

Do I have to wait till next month to begin my car insurance policy to save £20/monthly?

We Answered:

It makes more sense waiting till you can start a contract as a 20 years old.
In the meantime you can take a one month policy from here http://www.simplyinsurancequotes.com/ukm…

Sergio Said:

Cheap car insurance for a 17yr old female, help!?

We Answered:

Unfortunately there is no magic answer to your problem. I have recently had a good deal from Adrian Flux but it does not mean that you will get one too.

Sometimes understanding how the premiums are srrived at can help although you cannot always do anything to change the situation/circumstances that arise. The car when looking at wha you are is a small part of it.

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. I am suprised that even at 17 you cannot do this although getting Mum to borrow the money somewhere, even on a credit card and you paying her back that way will normally be cheaper.

Danielle Said:

has car insurance gone up in the past couple of months?

We Answered:

Quotes on the internet are not accurate or dependable. Call or visit a couple of local companies staffed with an agent for an accurate dependable quote.

Grace Said:

Car Insurance ..... New Drivers?

We Answered:

There is a difference or differences between you and your friends which will be one of these -
The Punto is a higher insurance risk/group than what they have.
You may live in a postcode area considered a higher risk than they do (there are 4 levels of this decided by crime statistics) More detail here http://www.thisismoney.co.uk/insurance/c…
Your job - unemployed, student and bar work cost more than working in an office for example
Where the car is kept overnight- on road is more than on a drive which is more than in a garage.
Modifications to the car.
How much the excess is.
Is legal and breakdown cover included.

Finally - teen insurance has gone up loads in the past few months due to companies going bust and some insurers just not doing it anymore which means that the ones left doing it can charge more.