I’m an 18 year old trying to find a car and the cheapest I can find my insurance is 3.7k and I’m not looking at high insurance cars 1.0 fiesta was the cheapest one I found maybe it’s my job I’m a soldier in the army

12 comments

  1. It’s because you’re 18 and haven’t had a licence for long. I don’t think the job will be a major issue. Your postcode might not be helping, though, and the parking factor might be in play (street v drive v garage).

    Can you get anyone else on the insurance with you? Someone who will genuinely drive the car ever, who has had their licence for a while and is a chunk older? Sometimes that can help.

    Best of luck.

  2. Insurance is shit if you’ve not had it before. Will generally drop quickly in the first year of no claims and then the year after

  4. That sucks, but I’ve been there.

    18 years olds are at higher risk of crashing, statistically. Plus you have no history behind you.

    If you live with a parent or guardian with a good driving history, try adding them as a named driver and see if that lowers the premium.

    Also I’ve heard having one of those black boxes that monitor your driving can help with the price too.

  5. Because you’re insuring the cost of damage you can cause. The price of your car is irrelevant if you crash into a £100k porsche etc.

    Sadly that’s how much insurance costs. In 2001 as an 18yo I was paying £1500, while earning £6,800 working full time!

  6. Your occupation may be a factor but there isn’t much you can do about that.

    A few years ago when our kids started driving having one of us as a named driver brought the premium down a bit. It was also useful as we could drive their cars.

  7. You need to look at stuff that young people don’t typically drive, those will be cheaper. Honda Jazz, VW Fox etc.

  9. Where do you live? Former coworker was quoted £4k for insurance because he lived in a pub in Burnley. Changed his address and the quote dropped to £1k.

  11. It’s mostly because of your age and being a new driver.
    The things people have suggested regarding having a parent or other experienced driver on the insurance may help, but it has to be genuine- eg that they will actually be driving the cat/ living at the same address.
    The reason for it being so high I’d they your age, gender, and lack of experience all mean you are a high risk, both of being in an accident in your car and of that accident being serious (and therefore expensive for your insurer)

    Look into the policies where you have a black box in the car, they are intended cheaper, and are linked to your driving.

    Also, look at different vehicles – fiestas aren’t powerful but they are quite nippy, and popular, try a couple of others snd you may be able to get it down a bit.

  12. Because 18yos crash into walls, not as much as 70+ but that’s a different issue.

    And it gets cheaper if you buy a Bugatti Veyron

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