Hi, im new to this forum.

I'm 17 and passed my test in January, I'm looking to insure a 1.2 punto sporting or similar and after looking around the cheapest quote I have had is £3700 TPFT as the main driver with Adrian Flux(bearing in mind the car is only £2500). Was wondering if anyone could advise me to where/how I could get it any cheaper?

Thanks

TBH mate I don't think it gets much better

I've just turned 18, was 17 when I took out the insurance on my Cinq Sporting last July and I'm paying about £2850. I only paid £250 for the car!

I'll have a year of no-claims next month though because I've got one of the "year of no-claims after 10 months" policies, so hopefully should see a fairly big drop in premiums.

I've come to the conclusion that for the first couple of years you just have to put up with the extortionate prices, and have faith that eventually you'll be rewarded with cheap insurance

Could get a better insurance risk car. Group 1 insurance will drop it a bit.

Spoting is a Group (in old money) 7 as its a lethal car for a young lad to drive. I would Buy something smaller tbh.

I have also tried quotes on 1.0 corsa's(insurance groups 1-3), and a couple of 1.2 puntos which were insurance group 4 I think. Both of which were over £4000. Just wondering now whether its even possible to get a quote for anything under £3000 :/

its the word sporting in the name im afraid

HughesB said:

I have also tried quotes on 1.0 corsa's(insurance groups 1-3), and a couple of 1.2 puntos which were insurance group 4 I think. Both of which were over £4000. Just wondering now whether its even possible to get a quote for anything under £3000 :/

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You must be doing something wrong or right lol. The Punto Spoting is about the most expensive car you can realistically try to insure at 17. My 1.6 Stilo was cheaper than my Old sporting.

what area do you live in could be post code

also what annual mileage have you said?

heheheeeeeeeeeeeeeeee I love hearing all you people chatting on about trying to get around it.

Nothing at all you can do will drop that price below 3k. And whoever said "get a group 1" - go try it.

I am 17, look at what I drive (group 7), it's about £100 more for me to drive this than a 1 litre Polo (group 3?). Ultimately, we are high risk, £3000 seems reasonable according to them, and everyone is paying it (male aged 17 i mean). Just live with it for 1 year, then year two it will drop to 1700, year three, 1200 , and so on. Just don't crash

Do the pass plus, I did it and it knocked my quotes down from £2500 to £1700 for my first year. Obv. do some mock quotes to see how it will effect you.

xFaz said:

heheheeeeeeeeeeeeeeee I love hearing all you people chatting on about trying to get around it.

Nothing at all you can do will drop that price below 3k. And whoever said "get a group 1" - go try it.

I am 17, look at what I drive (group 7), it's about £100 more for me to drive this than a 1 litre Polo (group 3?). Ultimately, we are high risk, £3000 seems reasonable according to them, and everyone is paying it (male aged 17 i mean). Just live with it for 1 year, then year two it will drop to 1700, year three, 1200 , and so on. Just don't crash

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when i was 17 i got my quote down from £2000 to £1200 so it can be done

there are proven ways to reduce it even if it is a little bit

postcode has a big effect, sometimes your parents on the insurance can reduce it

where the car is parked and a whole lot of other things

Yea, ive found recently if you say your car is parked on the drive or in the garage it puts the insurance up! Might just be something about where i live tho!

jip0 said:

when i was 17 i got my quote down from £2000 to £1200 so it can be done

there are proven ways to reduce it even if it is a little bit

postcode has a big effect, sometimes your parents on the insurance can reduce it

where the car is parked and a whole lot of other things

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Na, for me, I am telling you, everything I tried was £2500 +, so may as well get a nice car....

xFaz said:

Na, for me, I am telling you, everything I tried was £2500 +, so may as well get a nice car....

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but you said there is nothing you can do

actually phoning them up and bartering is the best thing to do. my insurance online was £1800 odd and when i rang up elephant the women it down to just under 1.3k for my 1.25 16v fiesta. mind you i am 19 but have no NCB and thats on a multicar policy

xFaz said:

heheheeeeeeeeeeeeeeee I love hearing all you people chatting on about trying to get around it.

Nothing at all you can do will drop that price below 3k. And whoever said "get a group 1" - go try it.

I am 17, look at what I drive (group 7), it's about £100 more for me to drive this than a 1 litre Polo (group 3?). Ultimately, we are high risk, £3000 seems reasonable according to them, and everyone is paying it (male aged 17 i mean). Just live with it for 1 year, then year two it will drop to 1700, year three, 1200 , and so on. Just don't crash

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Ultimately that is for you, your situation won't be the same as others!

I'm in exactly the same boat, I'm 17, and am looking to insure a 1.2 8v dynamic punto, and the cheapest I got was 4200!! Which os rediculous. For a car that's only worth 1000. So any info to get it cheaper, would be great. And I don't agree with frauding, I.e putting it in parents names and them never driving it. But anywhere near 3k is much better for me who was that with?

DanDrury said:

I'm Which os rediculous. For a car that's only worth 1000.

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What has the 'worth' of the car got to do with it though...

Good luck on getting it lower

Value of the car point is pointless - they'd only give you the cars value should you get a claim as the car is written off

I'm affraid insurance is a bitch
Its only going up and up and up
I've paid more this year then i did last year! How fair is that?

Anyway - Insurance Group of car and your age and area you live are the main 3 big factors

Doing things like pass plus can sometimes help - not always tho
Also Adding your parents as Named Driver might help
BUT for love of God!
PLEASE PLEASE PLEASE PLEASE! DONT!
put your parent as main and you as named
You'll be fronting - you crash - your not insured - you in bigger **** then before

Bite the bullet - and behave - its seriously NOT that hard!
Drive like you did with your driving instructor (nice gaps and judging everything)

ziggy

Bravo worked out quite cheap for us. 21 year old male and 19 yr old provisional license for me. We put my partners mums boyfriend on it as hes a professional driver.

Is there anyone you can put as a main driver instead of u,?