How Do You Get Cheap Car Insurance For An 18yo?
I need to find cheap car insurance for an 18yo female who owns outright an $11000.00 car. Any suggestions?
Posted by Car Insurance Quotes
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November 24th, 2009 at 9:21 am
i work in insurance in australia.
well, i would have suggested getting “third party property damage only” type insurance, having it for a few years showing the insurance company that you don’t claimTHEN buying a more expensive vehicle. some insurers would take your third party only insurance history into account and give you a discount on comprehensive.
but, as you’ll no doubt want comprehensive insurance on this car, you’ll just have to shop around. “market value” type car insurance is usually cheaper than “agreed value” so you might want to start there.
i always recommend to young drivers to buy a car they don’t particularly care about writing off and insuring it third party only for a couple of years for exactly the top reason.
insurance is expensive for younger drivers as it’s pretty much guaranteed that their car is going to be involved in an accident.
if your parents are insured and you still live at home, try their insure to see if they give out a family discount.
ps. don’t bother trying to insure it under your parents name – it just makes it difficult when you need to claim. imagine, it’s pouring rain, you’ve just had an accident and you need to get a tow truck. if your car is insured under your parents name, then they would need to sort this out for you and if they are uncontactable. well. you get the drift. this kind of thing happens all the time.
November 24th, 2009 at 9:21 am
If the 18 year old lives at home, the cheapest will be to be added on a parent’s policy. If not, there is none. But to find the best bet for you, check in with an independent agent who can search the data base to find what is best for you.
November 24th, 2009 at 9:21 am
youre a female so youre already ahead of us 18 year old guys. (totally backwards i know) but hey what ya gonna do?
November 24th, 2009 at 9:21 am
I’m afraid it may not be that easy…they base it on your age and your driving record and yes..the type of car does make some difference however…younger people will most likely have a higher rate anyway…and you really haven’t been driving long enough to build up any kind of substantial record…I’m afraid that only keeping a good driving record..and more years behind the wheel will be the only way to get lower rates over time……sorry.