Toyota Aygo 1.0 Insurance 18Yr Old Female

[GemmaLouise]

Hi, I'm looking to purchase a 58 plate Toyota aygo, I'm struggling to find a affordable car insurance quote I'm 18 years old have held my license for 7 months 0years ncb and live in the bb10 (Burnley, Lancashire) area, can anyone recommend anyone??

Thanks, Gemma :-) x

[Lorna2]

Hi Gemma and welcome to TOC :) Congratulations on passing your test. An Aygo would be a great first car. As for insurance, have you tried Direct Line? They're not on price comparison websites and they aren't too expensive, I've used them before. But I don't know what their prices would be like for R drivers. Other than that, its just searching the comparison sites but do go onto the insurance companies websites too as sometimes they are cheaper than the offers on the comparison sites. I never really use the comparison sites much as I find they don't give good deals to NI drivers, so I usually go to Tesco, Direct Line or AXA.

[Cyker]

The comparison sites can be useful, but not for a new driver as they just give you ridiculous quotes :(

Still, it might be worth doing it anyway and then seeing who gives the 5 least insane prices, then ring them up and play them off each other; That's what I did when I first passed and got my quote down from £3000 to £900 (It was mentally draining tho'...!)

Your best bet is probably the female driver specialist companies (Sheila's Wheels, Diamond etc.).

Also, a neat trick is you can try sticking your parents and grand parents as named drivers, even if they never drive the car ever. For some bizzaro-world reason, this can help lower the premium.

Another is going for fully comp instead of third-party and setting the excess as high as it will go, but this is quite a two-edged blade and could be quite painful if you actually did make a claim.

If you're really desperate, some companies will give heavily discounted insurance to new drivers if they let them fit a tracking device to your car which monitors your speed, location etc.; Personally I'd never let such a thing near my car, but the option is there.

Out of curiosity, does anyone remember what their first insurer was and how much? Mine IIRC was QuoteACar who insured my old '51 Fiesta for £900 (Third party, fire and theft!).

[Lorna2]

I always found companies such as Sheila's Wheels and Diamond to be expensive. Maybe they think if they say they have cheap insurance for women, we'll all just to go them. You can take a course called Pass Plus which is supposed to lower premiums. I don't know how much Pass Plus costs as I've never done it, you can read more about it here http://www.direct.gov.uk/en/Motoring/LearnerAndNewDrivers/NewlyQualifiedDrivers/DG_4022426 :)

[Cyker]

Yeah, there really doesn't seem to be much logic in how they work these things out!

I only suggested it as my neighbour was very impressed as she'd gotten her Honda Civic insured with Sheila's Wheels for something like £300 (Admittedly she's a fair bit older than me )

Passplus was in the ballpark of £350 when I was learning. In my experience, it isn't worth doing if the goal is lower insurance as the only people that take it are the ones that have newbie-unfriendly premiums to begin with.

Almost none of the cheapo insurance people care about passplus as far as I could find. :(

I think it's nice to do if you can afford it tho'; The passplus should be done as part normal driving lessons IMHO as it's literally just driving about in different situations, which for the most part you'd do anyway as part of the normal driving lessons - It's more judgement and confidence building than anything else.

Now, if the Passplus was more akin to, say, the IAM... :D

[Cyker]

Oh, there's a list of insurers that take passplus on wikipedia :)

https://en.wikipedia.org/wiki/Pass_Plus

[Whiteclaw]

Diamond and Sheilas all belong to the same group I think, Admiral. They have a hefty number of insurance companies, and also a comparison site I think. Might be go compare, so watch out for some comparison websites, may not be all they appear.

That car sould be dead cheap to insure, it falls in group 1 or 2 doesn't it? I know they take age into consideration, but shouldn't be too bad I would have thought.

My first insurance was with Tesco, and enver again is all I can say. At first it was £400, 2 days later they tried to change it to £1800, I said no thanks, and was able to simply leave at no charge.

£500 was the one I got with swinton, which dropped to £350 every year until last year, where for some unknown reason they tried to hike it to over a grand.

I am with co operative green or something. £335.

The trick of playing them against each other is a good one though. I m,mentioned another insurance company, in fact I use the same one time and again as they do always offer a low quote, and all of a sudden, they knock hundreds of their own quote.

Endsleigh I think is the one I always mention. 1 day I will make it up to them and actually use them.

[jedi134]

If you do under 6,000 miles pa try insure the box, they reward good drivers with extra miles bonuses. They fit a tracker to the car to monitor you, also handy if your car gets stolen, and they will phone you in the event of an accident to see if you are ok, and need any help.

Worth a try. :D

[acetip]

You could try TOP CASHBACK. they give you several of the lowest quotes and give you cash back. and they charge you nohing for the service.

Although my insurence is not due till till July i did a dummy run and found that Admiral was the best for me. and £40.00 cash back..

but the way things are going insurence wise, things could all change come July.

[balli hi]

Err hmmmm, back on Topic :D , not sure just how competitive coverbox are, but it won't hurt to look . http://www.coverbox....ung_drivers.php

[Karma Supra]

Admiral have always been good for me.

Just got my Hilux Renewal in. £370.

[Cyker]

Haaaate yooooouuu!

[Karma Supra]

It's ok the M3 is nearly £700 :(

[acetip]

It worth lookig at Top Cashback.cost nothing to join and they have a comparison insurence site,if you take up one of these quotes then you get all the money that the insurence company pays them.they make their money from the advertising on the website.well worth a try.

I am with direct line at the moment and rang to say i wanted to fit a roof spoiler they told it would cost me an extra £100 for the remaining 6 months on the policy.

Did a dummy run on top cashback through Admiral and it was an extra £10 for a full year compared to direct line original insurence on my car.

plus i would get £30 cashback.