Des Moines Car Insurance
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Very Cheap Car Insurance

Car insurance for college students can be very expensive, especially if they are planning on driving a relatively new car and want full coverage. College students are usually between the ages of 18 and 22, which is a time when the insurance premiums are nearly at their highest. If you want to learn how to get very cheap car insurance, you need to learn what you can do to cheapen up the policy so that you are not paying for things that you do not need and are only paying for what you do need with regard to your insurance.

The first thing that you need to learn when you are looking for car insurance for college students is that the car can be registered under the name of the parent if the student is commuting to college. This means that if the student goes back and forth to college from home and is not living at school, they may be able to get very cheap car insurance by riding on the policy of their parents. However, this does put parents at a liability risk, so it is best to get the most coverage possible for the student if this is the case. In the case of the student who lives at home, very cheap car insurance can be obtained by having the student as a secondary driver on the car instead of just having the car in their own name.

Car insurance for college students also depends a great deal on grade point averages. Students who are looking for very cheap car insurance should be advised that the better their grades, the better their premium will be. If they are looking for a way to save money on their car insurance premium and get very cheap car insurance, then they should strive for a B average in their grades. Car insurance for college students often offers a discount for those with good grades.

The car insurance for college students will be based upon where the car is located as well. If the student is only using the car for college purposes and lives in a college town, this may figure into the premium and enable them to obtain very cheap car insurance. Also, if the car is a later model car and not worth much money, it may be a better idea for the student to only obtain liability coverage instead of full coverage on the vehicle as this can save them a substantial amount of money when it comes to their car insurance premiums.

There are many factors that figure into car insurance for college students. The deductible that is paid out of pocket, the type of coverage that is offered and the grade point average of the student as well as the town where the student is going to college and the distance they travel will all figure into the cost of the car insurance for college students. Those who look around online can find very cheap car insurance that will fit their college budgets.

Frequently Asked Questions

  1. QUESTION:
    help finding very very cheap car insurance please?
    i live in florida (miami)

    is there anyone that can give me a legit site that provides me car insurance for the cheapest price possible?

    what i mean by legit is no scams or anything, and an address where i can personally go to visit the insurance agency for the papers.
    iMTB are you advertising or are you for real?

    • ANSWER:
      There is never insurance that is next to nothing. Do not buy anything on line. Call some local agents and get some quotes.

      Ask for all the discounts they offer, ask them to list each one and ask how to get each discount they offer. It just like Costco, the more insurance you have with one company the more discounts you get.

      Ask for discounts, discounts, discounts. It is just like using coupons.

  2. QUESTION:
    Does anybody know where i can get very cheap car insurance?
    i am a 17 year old driving who own a Tax Exempt Landrover. I have been quoted £3000 just about everywhere. I know that this should not be the price for a car made in 1972.
    could anybody help?

    • ANSWER:
      There is no such place. You need to simply keep getting quotes.

  3. QUESTION:
    As a new driver where can I find a very cheap car insurance policy?
    I just got my liscence less than a month ago, I am a 21 year old male
    Thnx

    • ANSWER:
      check with the many compare sites we are bombarded with

  4. QUESTION:
    HELP!! IM 19 i need a very cheap car insurance?
    hi i recieved a BMW compact 02 plate car as a gift, and i was really happy but now im really upset because i cannot find any cheap car insurance, i quote all the time and the lowest price i get is £5200 for a year and monthly instalments of £468, i wonder where in their brain do they they think i can pay that every month, i work and pay my rent, sky, internet, gas, tax, credit card etc. what must i do i cant afford to pay £468 more on bills. can you please give me websites which can help, and please dont leave any rude comments because i really cant be bothered for u wasting your time , THANK YOU
    to jamad and those rude people who told me to dream on, i said i dont want time wasters, get a life, its new years day and you havent stuck to your new years resolution,!!!, thanks to those that helped me, i dont mind paying £250 a month, but £468 is ridiculous, i might just tell the person who gave it to me to pay for my insurance to. lol.

    • ANSWER:
      Get a quote here
      http://4ym8.com/del/ukmotoring-insurance-quotes.php they do pay as you go policies and you get the bonus at 8 months not after a year.

  5. QUESTION:
    How where and how can I get cheap car insurance?
    I lost my job last year and I'm getting back on my feet again and I'm looking for very cheap insurance because I still can't pay too much.

    • ANSWER:
      Have you tried the Yellow Pages? It's full of ads from agents and companies.

  6. QUESTION:
    Need a car with VERY cheap insurance. 17 year old male.?
    Im just about to pass my driving test and i'm looking to buy a car, something very small like a 1.1L. I've had a few insurance quotes and then results are coming up as £7000?! Even for a ford fiesta or a peugot 306. I put the annual mileage down to 3000 and put my dad as a named driver but it is still very high. What cars could be lower thn this, and any good insurance company that offer low quotes for younger drivers.

    • ANSWER:
      If you getting a quote of £7K, you must live in a high risk area.

  7. QUESTION:
    cheap car insurance for 17 year old?
    very cheap car insurance like (up to £1500)

    • ANSWER:

  8. QUESTION:
    in what company can I buy cheap car insurance.everybody are very expensive.?

    • ANSWER:
      Insurance is very individual because it's based on your drivers record, sex, age, and a number of other variables such as location, credit rating and type of vehicle being insured.
      The easiest way to find the cheapest auto insurance in the USA is to fill one form at
      http://gsx1.com/InsuranceComparison.html
      This will compare all insurance companies in the USA and find which companies offer the best prices according to where you live and who you are so you are bound to find something that suits you, if it works out remember my points please :)

  9. QUESTION:
    How can i get cheap car insurance for my age any advice or cheap insurance company names?
    The cheapest car insurance quote i am getting is 4900 pounds for a ford focus 1.4 fire and theft how can i bring down the cost as this is very expensive. I have tried quoting smaller cars but i get the same price. I am 19 and passed my test 4 months ago 15.04.2011

    • ANSWER:

  10. QUESTION:
    Car Insurance, what Car shall i get?
    I am living in the UK and i am 18 i want to buy a car that has very cheap car insurance, but i don't want a car that a lot of people drive if its unavoidable then i'll buy one but i'd rather have somehing diffrent

    • ANSWER:
      There is no very cheap car insurance at 18 even for low risk cars and most smaller low risk cars are common. Cars that are any good will always be common.

      Expect to pay in excess of £2000 for insurance on the cheapest one to insure that you can find.

  11. QUESTION:
    cheap insurance websited (UK only)?
    Anyone know any very cheap car insurance websited for young drivers. I keep getting quoted for stupid amounts of money and if I payed that much I would feel like I may aswell thyrow the money down the drain. I dont want comparison websites they only show the most famous ones which are the most expensive.

    • ANSWER:
      If you want a UK only answer, you should post on the UK YA, not the USA board.

      There IS no "super cheap" insruance for young drivers.

  12. QUESTION:
    How can a young man get cheap car insurance?
    I'm 17 haven't even brought a car because the insurance is so expensive.

    I tried a citroen c1, 1000cc, 68hp, locked in a garage INSURANCE GROUP 1, third party only; but it still cost over £1000

    What can i do to make things cheaper?

    Other than go on my parents polocy (they are not very keen)
    pass plus works out more expensive

    and i have being trying price comparisom websites including confused.com

    • ANSWER:
      look into getting a classic car, I am not sure exactly what the requirements would be now but it's old cars over 25 years old or something

  13. QUESTION:
    I am buying my first car and am looking for cheap car insurance. I found a site that is 0 less then Geico.?
    Geico was the lowest quote at 00 but www.usalifeinsurancesite.info quoted me at 0 (which is very cheap for a 16 year old). Can anyone tell me if they are a reliable insurance company? Or has anyone dealt with them and has feedback? Thanks :)

    • ANSWER:
      The smart way is to first decide the cover that you need, then look for the cheapest insurer that you can buy it from..
      There's no point in paying more if you get the same policy and coverage.
      When found, check them out with your state's insurance department.
      I use
      http://123automotive-insurance.solutionsarticles.com/www2insure4lesscom/?mn=3456352 they are all good value and local.

  14. QUESTION:
    Cheap car insurance companies for a 18 yo girl, in the UK?
    I have been driving for over a year now, and need to renew my car insurance.
    Do anyone know of any cheap company's?
    I am finding it very difficult!
    I even have 1 years no claim.

    Please help me!!

    Thanks

    • ANSWER:

  15. QUESTION:
    cheap car insurance in Texas?
    Hii i don't have a job right now, the car insurance bills are very high, can somebody suggest me cheaper insurance , currently i am with geico and am in Texas.
    Thanks in advance

    • ANSWER:
      The company that is "cheap" for me may be the most expensive for you. There is only one way to know which company suits you best....Call around and get quotes

  16. QUESTION:
    Are there any cheap car insurers for older cars?
    I am a 38 yr old woman who has held a license for 20 yrs but has not driven for about 10 yrs. Therefor i have no NCB (No claims bonus) which i can use as it needs to be current or expired for no more than 2 yrs.
    I have bought a very cheap car for about £300.00 and have looked at insurance but the cheapest so far is around £600.00 which i simply cannot afford. If i could afford to pay that amount i would have obviously bought a car that was worth much more but unfortunately at the moment a cheap car is all we can get.
    We have been desperate to get a car as i am in a new relationship and my partner has a 13 yr old son who we want to take to lots of lovely places over the summer holidays for some fun. It seems that we will not be able to do it as the insurers are penalising me and im sure lots of other drivers who are sensible drivers but have just not driven in a while for many different reasons - I think this is very wrong!
    I cant feasibly pay £600.00 for a car that isnt even worth quite half of that - its lydicrous!! Please can someone help me by pointing me in the direction of a cheap insurer who is prepared to insure for the minimum amount.
    I have read about pay as you go car insurance but dont really know if it is a good option although we ont be doing many miles so i dont know. If anyone has used pay as u go car insurance could u tell me if it is any good please.
    I hope anybody reading this can help me with the cheapest insurance possible as i am totally deflated at the moment as it has taken us ages to save up enough for the car and tax and what we thought the insurance would be ( we saved another 300.00 for insurance as i thought it would be as much as the car roughly).
    Thankyou ever so much.
    Jane.

    • ANSWER:
      £600 for someone with no NCB is a good price. The value of the car you drive is irrelevant, the cost is based on the risk involved.
      Do a site search and see what new drivers have to pay for a year's insurance!

  17. QUESTION:
    cheap car insurance in england for 17 year olds ?
    who is the best company to go by for cheap car insurance for young drivers ? i heard quinn was the best, but theyve recently gone bust so there no longer insuring. So i need a different company that wont extort me ! lol...so yeah, any websites, or company names or anything will be very helpful !.....thanks !

    • ANSWER:
      Since Quinn, who appeared to like doing teen car insurance, have been prevented from selling any new policies, young drivers insurance has gone through the roof.
      It is now common on here to see teens being asked for £4000 a year for a very small cheap car - it is down to the potential damage to others cars and property and the fact that 1 in 4 will have an accident in year 1.

      Anything under £2000 a year for a 1.2 litre car will be a result.

      There are no magic companies, you have to shop around like everyone else.
      I believe it is a matter of time before teens are priced right out of motoring or all the companies just stop doing it as they don't have to after all.
      When I was 17 some 31 years ago even though working full time I could not afford to run a car and still have some cash left to have fun with so a small motorbike was the norm for me and my mates - I reckon that is coming back too.

  18. QUESTION:
    I have just passed my driving test, I am 17 years old and I need help on car insurance?
    I know it is very hard to get cheap car insurance for 17 years old and a new driver, but surely out there is a good deal for young drivers and isn't too expensive.

    • ANSWER:
      If you maintain good grades there are some Auto Insurance Companies that will give you a discount....check AAA.

  19. QUESTION:
    How do I get a free or VERY cheap dependable car?
    I don't know what else I can possibly do! I don't make enough money in my job to afford to pay a car payment and insurance, I can't stand my job, but I can't look for a new job because I have no way to get there, and I don't have great credit, and I have no savings. So basically, I'm out of luck! I make just enough money to pay my bills and survive, but I would love to have a better career.. I'm in a sort of catch-22... can anyone help?!?

    • ANSWER:
      Check local government auctions sometimes you can get a bucket for cheap. Also check your local news paper cheapo cars can be found but ya gotta know what your doing or you'll get something that won't be worth two chewed flies! If you've got someone that knows anything about cars bring them along when you go looking. Pick and Pull also sells cars.

      www.picknpull.com

  20. QUESTION:
    What is the cheapest way to insure a teenager with car insurance?
    I have heard of people putting the car under their name on the policy and then they child drives the car and claims it is their parents car. Giving cheaper insurance. Is that very common?

    • ANSWER:
      That will become a problem if the teen gets into a accident. Just check around for the cheaper insureance in your area.

  21. QUESTION:
    Which way is the cheapest for car insurance?
    Im 17 in december and once i pass my test im gonna buy a small car 1.1/1.2 etc.

    I have heard that if i put my mum as the primary driver and me as my secondary driver it is very cheap (with directline this is)

    Is there any other cheaper ways?
    Tried confused.com you n00b

    • ANSWER:
      1-800-safeauto

  22. QUESTION:
    can you register and buy a (cheap) car with no license or insurance?
    I want to know if i can register a very cheap car thats around 2,000 tops at a used car lot and buy it with no problems.What problems will i face isnt it easyier to get a cheap car like this then at a actual new dealer i have no license or insurance do i pick a dealer with in house financing the only thing they will most likely ask for is it to get registered can i do that im paying half down.?im 21 im getting my license in 2 weeks (and no i cant wait)

    • ANSWER:
      Ok well good news and bad news.
      You can buy a car with out a license that’s fine.
      You can register a car without a license also fine.
      However, in most states you can not buy insurance without a license.
      And, you can’t register a car without insurance.
      And, you can’t have a loan with out insurance.
      So what you have to do is have a close friend or family members name put on the title WITH yours. Then have them get insurance on it for now and you pay for it and register it in both names. Until you can get a license and switch everything over to just your name.
      Good luck.

  23. QUESTION:
    Can you register and buy a (cheap) car with no license or insurance?
    I want to know if i can register a very cheap car thats around 2,000 tops at a used car lot and buy it with no problems.What problems will i face isnt it easyier to get a cheap car like this then at a actual new dealer i have no license or insurance do i pick a dealer with in house financing the only thing they will most likely ask for is it to get registered can i do that im paying half down.?im 21 im getting my license in 2 weeks (and no i cant wait)

    • ANSWER:
      You need proof of insurance to register a vehicle. If it's financed, the lender will require it also.

  24. QUESTION:
    cheap car insurance in nj?
    my mom is lookin for car insurance in nj around hudson county.she already went to statefarm and they were too expensive.she went to these other place.i think travelers(i think travelers was her original car insurance for sum yrs now but she had to renew the insurance or sumthin) and prudential but she said that they were gonna charge lyk 0-300 extra for every car accident shes had since 2005,even if the accident wasnt her fault.i dont think they were in her car,she works as a bus driver and i think she got hit by sum other cars 3 times.anyways,they both wanted to charge her ,600 or sumthin per 6 months.any1 no any car insurance that isnt very expensive or wont charge much for accidents.thnx!
    im srry.travelers wasnt it.that was the name on the envelope my mom got.the company is call first trenton or sumthing.my mom said the name changed over the yrs but shes had that insurance since she started driving.probaly about 15 yrs back

    • ANSWER:
      I have travelers now they used to be called first trenton and they were always good to me. I found that allstate, state farm and prudential charge an arm and a leg in jersey. My advice would be to look in the yellow pages and then call each agency and ask them for a quote most will do it over the phone. Good luck

  25. QUESTION:
    which is cheapest car insurance in new york?
    i want to buy a car but i know the insurance of the car is very expensive. I will like to know if there is a car insurance that i can afford.

    • ANSWER:
      Just call a few browers in your area.,.. they-re the one that deal with this sort of things

  26. QUESTION:
    What is the best Car insurance?
    I'm a 16 year old student and i've noticed that car insurance is very expensive. Whats the cheapest insurance i can get, that covers a lot of situations?
    I live in Texas with out any tickets. I'm barely getting my license. I wont be able to drive until i get insurance.

    • ANSWER:
      Insurance is very individually based and is based on factors such as location, and type of car. Because of this a company that gives me cheap insurance may offer you very expensive insurance.

      The best thing for you to do would be to get an online insurance quote at http://www.auto-insurance-knowledge.com/24-hour-insurance-quote-auto.html

      This will compare all companies in your location and find out which companies offer you the best prices.

      Hope that helps, but be warned it will be expensive.

  27. QUESTION:
    Looking for cheap insurance for car in Singapore?
    I'm looking for cheap insurance for my car and the mode of payment is by installment. Now most of the insurance company offer installment only if u have a credit card which i don't have.

    Is there any company that offers insurance which is cheap and can be paid on monthly basis by cash,cheque or giro or by debit card?

    Please do help me. Its very urgent! If not i'm required to pay the whole sum which at this point of time i'm unable to afford..

    • ANSWER:
      For car insurance the quick way to get a low quote is do a auto policy comparison. Be sure to choose the same coverage amounts, you can get an fast quote to compare against others. Use the same coverage area, auto make/model, mileage and driving history to make sure you get an apples to apples comparison. To get fast auto quotes, go to http://www.autoadviceonline.com/Auto-Insurance-Quote.html and you can compare all the major auto insurance companies.

  28. QUESTION:
    Renault Clio insurance for a 17 year old girl in Coventry?
    I turned 17 last week, and plan on buying a Renault Clio for less than £1000, (about a 2001 reg).
    I have trauled all over the internet and cannot really find a decent quote anywhere, so I was wondering what an approximate cost of insurance would be? Thanks!
    Or if not, what are the best suggestions for a first car? Cheap insurance very important!!

    • ANSWER:
      If that is a 1.2 litre Clio for insurance purposes it is a good choice.
      There are so many factors which influence the insurance premium other than those you have told us and for a 17 year old the value of the car is a small one.
      You willhave seen all the things that make up the price when you answered the questions to get the quotes.
      Typically it will start at around £800 and could go as high as £2500

      This is asked about a lot on here - no other way but to shop around and no magic formulas or companies can help you.

  29. QUESTION:
    I am 30 and just got my UK licence and want to buy a car. Any tricks to getting cheap insurance?
    I have had my NZ drivers licence since I was 16 and many years of no-claims. However, I haven't owned a car or insurance policy in the UK. Any tops for not having to pay very high premiums? I would love to get a sports car, but it's looking very expensive.

    (Would it be worth registering in girlfriends name and being a named driver?)

    • ANSWER:
      Most companies will offer an discount equal to one year 30% anyway.

      Don't go named as you won't build up your own no claims.

      Get a low cc engine capacity obviously. Don't get a convertible.

      take out the maximum voluntary excess when finding quotes.

      Select your occupation listing carefully.

      third party only

      don't have any of the legal protection crap they offer.

      shop around at comparison websites - many give discount for online.

      pay by DD in month installments.

  30. QUESTION:
    cheap car insurance for new drivers?
    im 23 years old and about to take my driving test, IF i pass i'll be needing car insurance which i've noticed is very expensive. and tips or websites that are good for people in my situation?? i've put the excess up but its just too much! any help will be good thanks

    • ANSWER:

  31. QUESTION:
    What company offers a good affordable rate for car insurance in the state of Maryland?
    I'm just moving out of Virginia into Maryland and I am very overwhelmed by the high premiums that I will have to pay oppose to the lower premiums that I was paying for 2 cars in Virginia.

    Does anyone know a good cheap car insurance company?

    Thanks!

    • ANSWER:
      Maryland has VERY high rates, if you're looking for something to compare to the VA rates . . you're not going to FIND it. There are just more losses, more traffic, and more lawsuits, that's all there is to it.

      Your best bet is to go to one or two independent agents, ask them to get you 4-5 quotes EACH, and compare that way. But they're ALL going to be in the same ball park.

  32. QUESTION:
    Does anyone know a cheap car insurance company?
    Im About to Turn 17 and am Male,, I need to know if anyone knows of a cheap car insurance company, I have a 2002 Citroen Saxo VTR, I live in Dudley,UK
    Preferably i would like to pay less than £3000 (i am only a student)
    Preferably i would like to go in my name but i do also have the option to go in my 44year old dads name.
    If anyone could get back to me on this i would be very greateful

    p.s -- I have tried all of the comparison sites and have only found 1insurance company cheaper than £3k

    Gett Back to me please
    Thank You xx
    i forgot to mention the saxo is a 1.6 1587cc
    sorry x

    • ANSWER:
      £3000 is Ok considering the car and your age.

      There are NO cheap insurance companies.

      You've done the right thing trying the comparison sites. Just keep looking at adverts etc. Some companies don't use the comparison sites.

      Try phoning your local broker. If they think they will get your business they will offer loads of free advice.

      To keep the price down:
      Garage the car overnight.
      Do few miles (less than 8000 a year is cheaper than over 12000)
      Make sure the car is standard.
      Pay a larger excess (but beware you will have to pay this in event of a claim)
      Go Third party if you are desperate.
      Move to a cheaper area(!)
      Also, some people pay more because of their jobs. Find out what jobs are cheapest and see if you can twist the description of your job. (If you drive around with multi million pound footballers as passengers you will pay more than if you are a lollipop lady. I believe doctors have higher premiums than say, an office worker.)

  33. QUESTION:
    how can i get cheap car insurance? IRELAND?
    hi i'm living in ireland and i'm looking forward 2 drive and i was wondering how will i get cheap car insurance first? because i want 2 be able to save up? any website i go onto like 123.ie or quinn direct.ie they keep asking me for license and type of car and i don't have none yet is there any other easier way please help thank you very much..
    thanks jack :D ... i also forgot 2 add this can u just make up an lincense number or does it have to be real?

    • ANSWER:
      This question gets asked many times each day, also..insurance companies can base your rate on your credit history!! Like, someone with bad credit just has to be a bad driver! You must phone around and find out the best company for the policy you have on your mind.

  34. QUESTION:
    Young Driver's Car insurance?
    I am 18 years old and have just passed my driving test. I'm looking at buying a peugeot 206 1.1 litre petrol car. The problem I'm having is that insurance is very expensive. My cheapest quote is £2000 a year. I just wondered if anybody knows of any cheap car insurance companies that could beat this quote?

    I've tried price comparison sites such as gocompare and they are all more expensive

    • ANSWER:
      £2000 is reasonable for insurance for an inexperienced driver aged under 25, and I think you will struggle to find it cheaper. When you are in that age group, you are in a high risk category as far as claims go. Lots of UK insurers have now stopped insuring drivers under 25, and those that still do insure them are charging realistic prices to cover the cost of the claims they make, so that the costs are not passed on to older more experienced drivers.

      As for putting the insurance in your parents name, if you are the main user, I would not advise that. Have a look at 'fronting' on the Internet. Fronting is putting the insurance in someone else's name to get cheaper insurance. I work for an insurer and I can assure you that loads of young drivers get caught fronting. We have to void their insurance, and leave them to foot the bill for any claims you make, including the legal costs and the injury fees which can be expensive. You don't want to start your life heavily in debt. Furthermore, both yourself and your parents would be taken to court charged with obtaining an insurance policy by deception, which carries the same penalties as fraud, including a possible prison sentence. You would also be blacklisted on a database which would stop you getting insurance in the future, and a criminal record for fraud would stop you getting a job. You would also not build up any no claims discount if it is not in your name, so even if you did get away with it, you would eventually have to start from scratch again.

      As for lying about your age, you may get away with it initially, but as soon as you need to claim, the first thing an insurer will do is ask for a copy of your licence and they will check it's validity with the DVLA. If it comes to light that you have lied to them, the same thing will happen.

      There is only one way to get the price down. That is to drive legally for a few years, and build up some no claims discount. Insurers know all the scams and employ ex-police detectives on anti-fraud units to spot those responsible for committing them.

  35. QUESTION:
    first car?? very cheap budget wear and what should i be looking to purchase?
    ok im in uk got a budget of around £500 max im 17 so insurance will be bowt 1k third party what ever car i get i need simple ideas on a how to get a small cheap first car if you know anything about insurance then i want it cheap and yes i am short of cash as u may have gatherd also what good sound systems should i look to get once ive paid for everything thats what ill be saving for next....
    also if anyone knows of any websites that gives good info in cars and fixing them n stuff coz i dowt ill have enough cash to pay someone to fix it

    • ANSWER:
      you should see if anyone in your family wants to give you an old junker car. my uncle is giving me his old mercury cougar, because it is taking up space in his driveway. also, cars from gas stations and from small car dealers should have cars for cheap.

  36. QUESTION:
    Car Insurance different address than car registered address?
    Hi,
    I have insured my car on my friend's address because his postcode turns out to be very cheap for my premiums. My car and Driving Licence are registered on my home address but when I buy insurance on my home address it goes double. Do you think insuring my car on different address is wrong? What if I get my car registered on to my friends address same as my insurance policy? Would that be safe and legal? Please help me in clearing the confusion and doubt.

    • ANSWER:
      The insurance premium is higher in your postcode for the simple reason that there are a higher number of claims emanating from that area. When you fill in a proposal form it asks you where the vehicle will be garaged overnight. If you register the car using your friends address you will also be committing fraud as the address on the V5 must be that of the registered keeper and that is not your address.

  37. QUESTION:
    Cheap car insurance?
    I've just decided to restart my lessons after 4 months of being away from them - last failed my test by one minor at the very end of the test was absolutely gutted. I am just about to turn 18 years old and am looking for insurance on my dads Suzuki Baleno. The cheapest I have found so far is £446.60 for fully comp per year with CIS Insurance which I know would be considered cheap, but is there any cheaper?

    • ANSWER:
      The only way insurers can offer 'cheap' insurance is by reducing the level and quality of cover. Sadly this sometimes results in claims which appear to be perfectly valid being declined owing to the small print. Less payouts = more profits = lower premiums.
      I have been with CIS for about 40 years. I haven't claimed a lot but when I have they have been excellent and dealt quickly with the matter. Also you can talk to them on the phone, which is answered promptly. Try that with a cheapie firm, you'll be lucky to get through (unless it's the sales line).
      Stick with CIS you can't go wrong.

  38. QUESTION:
    Are there discounts on insurance for cars that are 25 years or older?
    I heard that insurance is very cheap for cars that are 25 years or older. I heard suggestions of about a few hundred per year. Is that true?
    I heard that insurance is very cheap for cars that are 25 years or older. I heard suggestions of about a few hundred per year. Is that true?

    Also, the value of the car is not significantly low. I would like to rebuild an old car to the value of about -15k

    • ANSWER:
      Yes. Sort of. It isn't really a discount, it is your option not to carry the unnecessary coverage. In which case, if your car has virtually no value, there is no reason to carry comprehensive and collision coverage, which is the part of the insurance that covers your own car being fixed if you have an accident. Even if you paid for it, but your car for example is worth only 0, you will not recover more than that. But you do need liability coverage, to cover someone elses vehicle if you cause an accident. The liability is required in some, if not all states.

      If your car will have more value than another one of the same make and model because of modifications that you made and so forth, you have to notify your company so that you can be charged accordingly.

  39. QUESTION:
    Where can I get cheap car insurance when I'm an international student without US driving record before?
    I am a 22 y.o. girl, international student in US. I'm planning to buy a car to go to college. I'm very interested in toyota celica 2000/2001.

    I haven't had US driving license before... so I will make it next month. However, I actually had 4 years driving experience in my country, but not able to get record from local police department, since they dont keep such files in my country.

    I ask for quotes from several car insurance company. In average I receive quote at about US$ 300-400 per month. Do you think that it is too expensive? I think it's very expensive.. What should I do about it?

    • ANSWER:
      i totally Agree with "Kh"

  40. QUESTION:
    Car Insurance for the newly retired. Do insurance companies take account of drivers of company cars ?
    I have been driving for about 44 years and have had a company car for the last 20 or so. When I retire, will an insurance company take account of this with no-claims discount for a car of my own?
    I do own a classic car on a special classic car policy but as it is very cheap with limited mileage (1500 miles) applying there is no ncd.

    • ANSWER:
      You can ask your ex employer for a letter saying that you have have driven their vehicles for x years without a claim, which should go towards a few extrs years NCB form your insurance.
      Good luck and enjoy your retirement.

  41. QUESTION:
    I'm 17,passed my car test.have a 1litre vauxhall corsa 3dr,wondered if ne1 knows of cheap insurance companies?
    Hello, I'm 17 years old, i have just passed my car test. I have a 1litre vauxhall corsa, 3doors, which is meant to be a very low insurance group, I just wondered if anyone knows of a cheap insurance company? Or any good ways of getting cheap insurance for a couple of years until I get a full time job - like named driver or something? The best quote i have so far is £2100 for a year. Thanks.

    • ANSWER:
      £2100 is a very good quote. I would suggest going onto www.confused.com typing in your details and having a look at who is cheapest. If you haven't passed your test yet, just put your date of birth 6 months before current date and say you have passed today, Ie, 1/6/93 and that you have passed 1/1/2011.
      Try and avoid putting student as your main occupation, the quote may go up a couple hundred if you do. Add your parents as named drivers and fiddle around with the settings until you get the lowest.
      Get a quote for third party fire and theft instead of comprehensive.
      My second year quote is £700 and first year was same ass yours, just make sure you don't crash or insurance will go through the roof.

      People who are saying "You can't get cheap car insurance for 17 year olds DUHHH" seriously needs to start using some common sense, of course we are not asking how to get it for pennys, we are asking for the CHEAPEST!

  42. QUESTION:
    Is this a Car Insurance Scam?
    Hi everybody, ive recently encountered a website which specializes in cheap insurance for 17-23 year olds. And as the current insurance market is scaring off younger drivers with massive premiums. I was wondering if this was a scam. They provide thier full address and contact numbers. They say that the insurance is very cheap (£750 Per Year) because they 'cut out the middle man' and they do not offer courtesy cars, allowing you to drive 3rd party vechiles and collecting NCB's. I do not care as long as I am covered. Any car up to 3Litres they say. I even said I would bring the Police with me to validate all documents. And they agreed. Plus I am 18. What are you views, any experiance?
    *Your, sorry.
    Insurance: http://17-mr.insurance.officelive.com/default.aspx
    I have taken this up with the FSA

    • ANSWER:
      They don't cut out the middle man, they are a middle man. They're an insurance intermediary, apparently, that has a program with an insurance company, apparently. However any company that won't list an address on their website just screams scam. They may provide a legal policy but in terms of coverage it could be a load of garbage (on their site it says you have report an accident within 48 hours to them or else they won't respond, so already I don't see their appeal assuming they're legit). Plus their website is pretty cheap looking. However if you "do not care as long as I am covered" then roll the dice and see what happens. The police won't review your documents as they have better things to do, plus it's not like they're going to launch an investigation to make sure everything is on the up and up unless you make an allegation of fraud.

  43. QUESTION:
    cheap car insurance!!!?
    I'm 17 and I just got my license and my dad is looking for insurance for me does anyone know where I can get a very good deal??
    well aaron b my daddy bought me insurance I guess it did happen!!!=]]

    • ANSWER:
      Not gonna happen. My 17 year old can't drive because none of us want to pay the 0 a month increase in car insurance it would take just for liability.

  44. QUESTION:
    What cars have cheap insurance for new drivers?
    I have only been driving since january this year, i currently own a triumph spitfire that i have been restoring for the last two years, it is in really nice condition now and want something new, the insurance was only £756 for the first year which i was very pleased about.

    I want to sell my car an buy another convertible, but what cars have cheap insurance? i am looking into the the possibility of another classic or just a more modern car. all suggestions welcome.

    Thank you in advance

    • ANSWER:
      Classic cover tends to be cheaper.
      If it is a modern car then factors such as its insurance group, value, where you live, your occupation and where it is kept overnight all go together to produce the premium.

      So small engine, over 5 years old, kept off road at night is best.

  45. QUESTION:
    Question about car insurance and city location! Odds of being caught!?
    Let's say you lived in a small town.....for many years....and had low, cheap car insurance for a long while. But then you packed up and moved to the city----where insurance goes up very mucho based on demographics and population! However, the DMV still has your old "lil town" address, which doesnt require a smog check....(which IS required in the new city).........would it be wrong to lie to the DMV and say that you still llived in the small town to get cheaper insurance and avoid smog check? Has anyone experienced this? Just curious.

    • ANSWER:
      Yes it would be wrong and it would be illegal and in the case of an accident you would likely find that they would not pay. The odds of being caught are very high. Don't even think about making this foolish decision.

  46. QUESTION:
    about coupe car insurance.?
    I'm thinking of buying an coupe car. People say coupe car have very high insurance fee. Do you know where to check each car's insurance price? I also heard different age has different price, and older the cheaper. So if we have insurance this coupe as mom who is 50 year old would it be cheaper than me who is 18 year old? how much does it get cheaper if I never get in accident or get violation ticket? If you can, can you recommend me cheap coup car?
    Thank you.

    • ANSWER:
      the highest rated driver (you, because of your age) will be rated as the driver of the vehicle. If your mother has a more expensive vehicle than the one you want to purchase, you would be rated as the driver, even if you would never drive it. Highest rated driver with highest rated vehicle.

  47. QUESTION:
    cheapest car insurance please?
    hey i hope some1 can help me out.
    i am 22 years. i recently passed my driving test, on the 21/07/2009.

    i also bought a car honda civic. 1.4l
    i am looking for the cheapest car insurance possible. because i am full time student. and work part time. i wouldnt be able to afford paying £2000 annually.
    please if some1 knows where to get cheap car insurance for new drivers, would be very appreciated
    cheers

    • ANSWER:
      "...cheap car insurance for new drivers..."

      This does not exist.

      Car insurance for new drivers is always very, very expensive. This gives you two options - pay two grand a year for insurance, or don't drive.

      Sorry, but that's just the cold, hard facts...

  48. QUESTION:
    Im 16 and need to get cheap insurance, any suggestions?
    Im 16 yrs old, female, very independent and just bought a car; a 2002 chrysler pt cruiser. Im needing to get car insurance and be being 16 I know it'll be expensive so im needing to know where the cheapest place to get insurance for liability coverage in the state of Kentucky.

    • ANSWER:
      Your only choice at 16 is being added to your parents policy. Have them call and you will then know the exact amount.

  49. QUESTION:
    What is a good cheap/free way to get a written appraisal on a classic car?
    Very close to purchasing a classic car. In order to get the heavily discounted collector car insurance, I need a written appraisal of the car's value. Just wondering what is a good way to go about getting a written appraisal for very cheap or free? I am on a pretty tight budget.

    • ANSWER:
      Try to find one like yours for sale on the net and see what they want?
      Maybe just driving into a nice carlot or going to a show where there are many classic car owners and see what they say????Miss Mary

  50. QUESTION:
    The other party's lawyer asked my car insurance company to disclose my coverage. Should I do this?
    I had a car accident at local cross-section couple of month ago and it was my fault. Both cars were damaged. The other party's car was very old cheap car but not sure how much she was injured (one driver). However, she didn't seem to be seriously injured at that time but who knows. We both took ambulance to the local emergency room but I walked away in 30min. I think she did too. Anyway, I got a letter yesterday that the other party's lawyer sent my insurance firm to disclose my coverage. I have never had this experience. My insurance firm sent me a letter to see if I want to disclose my coverage (they need my permission to disclose my coverage) I am not sure if I need to disclose my coverage then the other party might use my coverage to take more money. My friend told me not to disclose my coverage but I don't know what the best option would be to me.
    Anyway can you give me advice if I need to disclose or not? My insurance firm is a nationally known company and I have a reasonably good coverage but I am a bit worried about this.

    Thank you for your advice.

    • ANSWER:
      Discuss your concerns with your claims adjuster. The other party wants to know how much coverage you have available. This by no means entitles them to your policy limits. The can sue for what ever they want to, but that does not mean they will recover for the amount claimed.

      There is really no harm in disclosing your limits. Your insurance company is not going to settle for anything other than what they feel reasonable. At some point, if the other party actually files suit for damages which exceed your policy limits, your insurance company will send you "an excess exposure" letter anyway.

      In NY and MA, the insurance company has to disclose the limits, and they do not need permission from their insured. Other than greed, the attorney just wants to know if they have to file an Under insured Motorist claim for their client.


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