Help with Insurance for 17 year old

1. Jamestvaughan Frequent Poster Joined: Feb 2010 Swansea Posts: 664 Audi A3 1.9 Tdi 2008

   #1 1st March 2010, 11:09

   I am 17 and have a Citroen Saxo. The cheapest quote i have been able to find is 2500... Its only a 1.1 black saxo forte Any ideas will be veryyyy appreciated! And please - No-one suggest i get pass plus!
2. dubby Infrequent Poster Joined: Jan 2010 Bristol Posts: 119 1.1 saxo eastcoast

   #2 1st March 2010, 11:10

   do pass pluss got mine down too 1800
3. user_39430 Saxperience Hardcore! Joined: Nov 2009 Northern Monkey Posts: 17064 Work van che.

   #3 1st March 2010, 11:16

   I'm 17 with a VTR - Mines £2500 fully comp, so that quote is bullsh*t.
   Look around more tbh or get a female on your insurance
4. Jamestvaughan Frequent Poster Joined: Feb 2010 Swansea Posts: 664 Audi A3 1.9 Tdi 2008

   #4 1st March 2010, 11:17

   Quote:

   Originally Posted by dubby do pass pluss got mine down too 1800

   Hahahaaa i knew someone would say pass plus... But to be honest, I dont feel like i have time! i passed my test and cant go anywhere and its bloody killing me!! lol
5. Jamestvaughan Frequent Poster Joined: Feb 2010 Swansea Posts: 664 Audi A3 1.9 Tdi 2008

   #5 1st March 2010, 11:18

   Quote:

   Originally Posted by KinetikVTR I'm 17 with a VTR - Mines £2500 fully comp, so that quote is bullsh*t. Look around more tbh or get a female on your insurance

   Who are you insured with then? maybe i could get a cheaper quote with them!
6. gsavill90 Established Member Joined: Mar 2008 Skipton/Loughborough Posts: 1959 VW Bora TDI

   #6 1st March 2010, 11:47

   It's probably where you live tbh.
   All post codes are ranked from a to f, f being highest risk, a being lowest risk.
   I live in an "e" ranked post code, and when i was 17 insurance on a 1.1 saxo was over 2 grand.
   Luckily i managed to get it with a company that saw my postcode as a lower risk, and i got it for 1700.
   Then after doing my pass plus it went down to 1200.
   edit: this is all third party cover
   Also, have you declared modifications? Some companies come down really heavily on young drivers with modifications.
   
   However, i was very lucky to find the company i did, so you'll probably just have to bite the bullet and pay 2 grand+ a year for your first year
7. user_40784 Saxperience Forum Bum Joined: Jan 2010 London Posts: 2768

   #7 1st March 2010, 11:49

   Also just noticed its a modified saxo? try playing around with quotes and see how much it is without the modifications-it might be best to remove them.
8. gsavill90 Established Member Joined: Mar 2008 Skipton/Loughborough Posts: 1959 VW Bora TDI

   #8 1st March 2010, 11:50

   Information for postcodes in Swansea...
   
   SA Swansea
   
   1-2, 4, 7 . . . . . . . . . . . . . . . . . . . . . . . . . . . E
   
   3, 5-6, 8-13, 15 . . . . . . . . . . . . . . . . . . . . . . D
   
   14, 16, 34, 40-41, 43-47, 68-69, 72 . . . . . . . . . B
   
   17-20, 31-33, 35-39, 42, 48, 61-67, 70-71, 73 . A
   
   I'm guessing you're in 1,2,4 or 7
9. ReecePuG106 Infrequent Poster Joined: Dec 2009 Braintree Posts: 102 peugeot 106

   #9 1st March 2010, 11:52

   try quinn. they seem to be the cheapest for most people. other wise try admiral or direct line. and make sure you go third party fire and theft. for some reason around ere third party is more expensive than third party fire and theft.
10. Camplin Newbie Joined: Feb 2010 Portsmouth Posts: 14 1998 saxo VTR

    #10 1st March 2010, 12:33

    Go on to go compare.com or get a decent alarm or pass plus are your only real options......
11. olly-bay Newbie Joined: Feb 2010 bedfordshire Posts: 15

    #11 1st March 2010, 12:50

    private use only and limited mileage could help but that's has to normally be only 5000 miles a year and depends if your works is 5-10 min walk away.
12. JohnRambosCat Regular Poster Joined: Oct 2009 stafford Posts: 299 saxo 1.1, saxo vtr

    #12 1st March 2010, 12:50

    I find adrian flux the best on a young drivers insurance, plus if you go full member on here you get up to 15% off which if your insurance is showing quite high its a big differance. what mods have you got on the car?
13. saxovtsdriver Frequent Poster Joined: Feb 2010 Woking Posts: 790 Citroen saxo 1.1 desire Silver Citroen saxo 1.6 1

    #13 1st March 2010, 20:13

    mate my insurance when i was 17 for a 1,1 saxo was 1400 mate!! thats with direct line buddy!!!
14. user_35312 Established Member Joined: Jun 2009 Coventry CV6 Posts: 2477 Slowda Octavia vRS SOLD - Cam'd Chip'd VTR

    #14 1st March 2010, 20:25

    Quote:

    Originally Posted by gsavill90 It's probably where you live tbh. All post codes are ranked from a to f, f being highest risk, a being lowest risk. I live in an "e" ranked post code, and when i was 17 insurance on a 1.1 saxo was over 2 grand. Luckily i managed to get it with a company that saw my postcode as a lower risk, and i got it for 1700. Then after doing my pass plus it went down to 1200. edit: this is all third party cover Also, have you declared modifications? Some companies come down really heavily on young drivers with modifications. However, i was very lucky to find the company i did, so you'll probably just have to bite the bullet and pay 2 grand+ a year for your first year

    Amen to that brutha'
    i live in a dog hole, tried using my mates postcode and it instantly dropped £700 a year, he hardly lives in paradise either..
    
    E ranked area, 18 0Ncb, VTR with mods declared paying £220 a month..ouch lol.. you just gotta take the hit unfortunately thats with my mum and mums friend on the policy too, but with me the named driver on a 10 month bonus accelerator policy
15. smnwllms Infrequent Poster Joined: Oct 2009 Frinton on Sea, Nr Colchester Posts: 240 2000 Posi VTS

    #15 1st March 2010, 20:28

    Fuck Me!!!! 2.5k for a 1.1! Thats shit buddy. I feel sorry for you younguns. Insurance is such a rip off nowadays.
    My first car was a 1990 AXGT 500 and that only cost me £750 TPFT a year! That was back in 98.
    My VTS I have now only costs me £230 a year fully comp. (and that was with 6 points for speeding)
16. tecwenlovesfood Infrequent Poster Joined: Jan 2010 Neath : ) Posts: 140 Posi blue Westtyyyy 1.4 8v with a massive spoiler

    #16 2nd March 2010, 12:04

    I got a saxo west coast 1.4 and LV will insure me for 1900 which is good for me like : ) try them but i get discount with my job : )
17. Dave-B Regular Poster Joined: Dec 2009 Nuneaton Posts: 490 Posi Blue Mk2 1.1 Forte

    #17 2nd March 2010, 12:34

    I got a 1.1 forte and mines £1700 with quinn
18. waynaldo1 Frequent Poster Joined: Sep 2008 uk Posts: 609 2001 mk2 Silver Saxo VTS

    #18 2nd March 2010, 13:56

    Quote:

    Originally Posted by Jamestvaughan I am 17 and have a Citroen Saxo. The cheapest quote i have been able to find is 2500... Its only a 1.1 black saxo forte Any ideas will be veryyyy appreciated! And please - No-one suggest i get pass plus!

    Beware 'pay monthly' options usually the insurer actually just loans you the annual cost and then charges interest at hideous rates on top. So try pay in full, try go gocompare once you've got your overall cheapest price get on the phone and try to haggle some will beat it,
    try fully comp if your not trying already, sometimes its cheaper,
    last tip is lower your Mileage and up your excess,
    
    cheapest companies for me have been
    
    direct-line
    adrian flux - current insurance
    quinn direct
    
    hope this helps
19. Jamestvaughan Frequent Poster Joined: Feb 2010 Swansea Posts: 664 Audi A3 1.9 Tdi 2008

    #19 4th March 2010, 23:58

    right everythings sorted got insurance down to 2300 which had to do... my mum paid it off fully so i'm paying her monthly, and she doesnt want ANY interest Thanks alot though guys - I'm with Quinn even though i nearly didnt get the cover, only because the guy was Irish and i was Welsh so we both couldnt understans each other!
20. gsavill90 Established Member Joined: Mar 2008 Skipton/Loughborough Posts: 1959 VW Bora TDI

    #20 5th March 2010, 00:01

    That is a lot to pay.. but it's better than going onto your parents policy like a lot of people do nowadays
    And you earn your own no claims.. it'll go down loads in a year!
21. user_40844 Regular Poster Joined: Jan 2010 Lancashire Posts: 418 r.i.p furio..... now a vtr (y)

    #21 8th March 2010, 18:02

    ring em up for half a hour n jus chat shit 2 em...9 times outa 10 thell get bored n nock it down... thats what i got told to do...
22. appo123 L-plater Joined: Mar 2010 Stockton-on-Tees Posts: 86

    #22 10th March 2010, 15:49

    try more than or adrian flux they are both quite cheap especially with mods
23. lilwayne Regular Poster Joined: Feb 2010 Yateley Posts: 464 1.1 saxo

    #23 10th March 2010, 15:54

    2300 . . for a 1.1 m8 .. . that seems a bit shitty tbh . you can get vtrs for about that at 17 . ..
24. x_steph_vts_x Regular Poster Joined: Jun 2009 Leicester Posts: 393 Wicked Red VTS

    #24 10th March 2010, 16:18

    Just go on ur mums or dads or some1ns lol
    but then again bad way 2 start out as ya dont get any no claims
25. gsavill90 Established Member Joined: Mar 2008 Skipton/Loughborough Posts: 1959 VW Bora TDI

    #25 10th March 2010, 16:27

    Quote:

    Originally Posted by x_steph_vts_x Just go on ur mums or dads or some1ns lol but then again bad way 2 start out as ya dont get any no claims

    Also your insurance wont pay out in the event of a claim.
    And as you're not technically covered, you can get i think 6 points on your license.
    It's very tempting to do.. i remember that when i started driving, on my mums policy it was about 600 quid, but on my own it was 1500.
    I started on my mums policy, but when she found out it wasn't legal i had to get my own policy.
    I know a lot of people still do it though
26. Cammy Established Member Joined: Jul 2009 Aberdeen Posts: 2211

    #26 10th March 2010, 17:22

    Was £1800 on my vtr 52 plate at 17
    
    at 18 and 1 year ncb was 680 cheapest but because of 3 points - 868£ a year
    
    try admiral
    
    or ECar
    
    or even direct line or AVIVA as they will beat any quotes
27. Shauno_Saxo Established Member Joined: Mar 2010 Manningtree, Essex. Posts: 1221 6n2 Polo Gti

    #27 10th March 2010, 21:48

    i got insured on my 1.6 16v escort when i was 18 with 0 ncb for £1300 with churchill. i know you 17 but give them a try, expecially if you had a scooter or moped because they count the no claims from that. they dont like modifications tho, thats the only downside but theres ways around that !hope this helps buddy
28. Saxo-SX Established Member Joined: Apr 2009 Ireland Posts: 2282

    #28 10th March 2010, 23:03

    Try quickfit insurance mate, their pretty cheap and I carnt fault their customer service.
29. babyhayley Regular Poster Joined: Jan 2010 Hockley, Essex Posts: 356 Saxo vtr (2001)

    #29 12th March 2010, 10:40

    Omg guys insurance really is mental lol.
    My first car was a lil 1.1 saxo and i passed wen i was 17 and my insurance was £800 lol.
30. BazzaC Frequent Poster Joined: Jan 2009 Swindon Posts: 671 Black Citroen Saxo VTr

    #30 12th March 2010, 11:00

    your a female...your known as the more mature of this species haha...
    
    If your a student, try Endsleigh's, they have a good scheme for students mate.
31. Furio-92 Saxperience Post Whore Joined: Oct 2009 Newcastle, Ashington Posts: 5086 Cammed and VTR'd Furio. Corsa c - Slammed & Euro

    #31 13th March 2010, 16:22

    I got a quote through Quinns Direct, i have a 1.4i Saxo Furio which is £1100 Third party fire and theft, so try them or go on comparison websites.
32. FairDoos Regular Poster Joined: Mar 2010 Manchester Posts: 414 Citroen Saxo 1.1i

    #32 13th March 2010, 16:35

    Quote:

    Originally Posted by Jamestvaughan I am 17 and have a Citroen Saxo. The cheapest quote i have been able to find is 2500... Its only a 1.1 black saxo forte Any ideas will be veryyyy appreciated! And please - No-one suggest i get pass plus!

    I have a 1.1i Desire and im fully comp £870
    
    Dont trust there site tbh ring them up and say i got many different quotes from Quinn before i found the cheapest one its a joke such a scam.
33. Saxguy Frequent Poster Joined: Feb 2010 taunton,somerset Posts: 506 Posi blue saxo vtr Gold vtr

    #33 13th March 2010, 16:54

    my vts insurance is gonna cost me £4150
34. abcjfk Newbie Joined: Mar 2010 Posts: 4

    #34 23rd March 2010, 14:56

    I had my first car when I was 17. The insurance on the VTS cost me £2300 per year. Ouuch. I have pass plus too, they didn't even care.
    
    Looking for cheap car finance, my mates do it quite cheap per month. give them a call.
35. lockley91 Regular Poster Joined: Nov 2009 Quinton, Halesowen Posts: 314 Saxo Forte 1.1

    #35 24th March 2010, 15:06

    I pay £1800 and im 18, try Egg.com. I'm third party fire and theft, main driver with my mom and dad as named drivers. I also pay monthly so it's more affordable for me
36. Jordysaxo Newbie Joined: Mar 2010 Posts: 1

    #36 27th March 2010, 01:15

    hello mate, what insurance group you with?im 17 and soon to get a vtr and can find insurance under 3500 anywhere. any ideas?
37. gsavill90 Established Member Joined: Mar 2008 Skipton/Loughborough Posts: 1959 VW Bora TDI

    #37 27th March 2010, 01:27

    Quote:

    Originally Posted by Jordysaxo hello mate, what insurance group you with?im 17 and soon to get a vtr and can find insurance under 3500 anywhere. any ideas?

    Sell it and buy a 1.1
38. user_41827 Frequent Poster Joined: Feb 2010 torquay Posts: 924 Citroen saxo MK2 VTR

    #38 27th March 2010, 01:36

    i just got a quote with cover box with my older brother as the main driver 600 quid with 13000 miles free tracker (cobra) fully comp with everything such as hire car break down cover so on and so forth i thought that is a good quote and it gives you the options of how the named driver will be useing the i.e daily jusy commuting so on and so forth ...so technicly it is legal isnt it :/
39. user_43033 Established Member Joined: Mar 2010 Bradford Posts: 1490 '02 VTR, '92 106 XSI 16v

    #39 28th March 2010, 21:47

    I have the same problem... 17 year old, but i own a VTR, my insurance works out at 2600 TPFT and live in bradford (enough said) ;D
    
    At first i got quotes for both a vtr and a 1.1, But the VTR worked out only 90 more for the Year
    So chose a vtr
40. viciousjello Infrequent Poster Joined: Feb 2010 Boston Posts: 156 Year 2000 Saxo VTR

    #40 28th March 2010, 21:53

    Try moneysupermarket.com was cheapest for me with more than fully comp and with cheap breakdown cover