Car Insurance for Uni Student with Prov Licence

Dbstf

Ok so I'm 18 years old with a provisional licence that i've held for just under a year and want to get insured on a 1.4l Renault Megane coupe. The prices most insurance companies offer me are outrageous. 4500euros and up..
Does anybody have any reccommendations or advice as to what to do because i really cant see the point in paying 5000 for insurance on a car that is worth 1000.. its not like im gonna total it 5 times in one year.. its ridicilous, not to mention that i can't really afford it.

pudzey101

Do your test and get your Full it will come down some bit then
Just keep ringing around untill u get the cheapest quote

corktina

do your test, it'll start getting cheaper then..

(oh and btw, the important thing about Insurance is to cover third parties legal and especially medical expenses. The value of the car is almost immaterial.

oldyouth

The quote is based on the damage you can do with the car not the damage to the car

Dbstf

if i pretend that i have a full licence it's still astronomically high..its still at around 3600-3700... I want something at around 2-2.5k max...

Gophur

Dbstf wrote: »

if i pretend that i have a full licence it's still astronomically high..its still at around 3600-3700... I want something at around 2-2.5k max...

Welcome to the real world. Forget the pretending, go get your full licence, then start looking for quotes.

Cuddlesworth

Get a extremely low risk car like a 1litre Micra then. And also a sex change.

debbie123

Dbstf wrote: »

Ok so I'm 18 years old with a provisional licence that i've held for just under a year and want to get insured on a 1.4l Renault Megane coupe. The prices most insurance companies offer me are outrageous. 4500euros and up..
Does anybody have any reccommendations or advice as to what to do because i really cant see the point in paying 5000 for insurance on a car that is worth 1000.. its not like im gonna total it 5 times in one year.. its ridicilous, not to mention that i can't really afford it.

im 21 with a provisional licence ive always found quinn direct great been with them since 18 ive been insured on 1.6 primera for 80 euro a month in saying that my boyfriend is 24 had full livcence since 19 but still works out cheaper for me to be main driver and him the name probably because he's a male i so i can understand your pain !! try quinn avoid aviva !!!!!!!!

IMightKnow

Are you a student?

I went with axa because they had a great student deal and offered me a much better price because of it. I was getting quotes double the price axa could offer.

As a reference, I was a 19 year old female with a prov licence driving a 4 year old micra and I got it for 1300 fully comprehensive, I know different situation than you but this may help

They also covered any fully licenced driver over 25 to drive it fully comp too

Dbstf

IMightKnow wrote: »

Are you a student?

I went with axa because they had a great student deal and offered me a much better price because of it. I was getting quotes double the price axa could offer.

As a reference, I was a 19 year old female with a prov licence driving a 4 year old micra and I got it for 1300 fully comprehensive, I know different situation than you but this may help

They also covered any fully licenced driver over 25 to drive it fully comp too

Thanks. If I get my full licence they are offering me insurance for 1200 which is pretty good compared to what i've been getting lately.

Alanstrainor

Have you been ringing around or just using online quotes?

Online quotes are shite for young drivers, you'd probably do a lot better ringing around to every broker you can find. I really do mean every broker. Get the phonebook out!

Dbstf

Alanstrainor wrote: »

Have you been ringing around or just using online quotes?

Online quotes are shite for young drivers, you'd probably do a lot better ringing around to every broker you can find. I really do mean every broker. Get the phonebook out!

Yes, I've been ringing around but they still give me mad prices. I'm just thinking of doing the 12 EDT lessons and trying to pass my test to get a full licence. It might be a while before I drive in my own car but I have no other option...

Alanstrainor

Dbstf wrote: »

Yes, I've been ringing around but they still give me mad prices. I'm just thinking of doing the 12 EDT lessons and trying to pass my test to get a full licence. It might be a while before I drive in my own car but I have no other option...

That is the best option by far being honest. You're not legally allowed to drive on your own anyway, so it'd be a big mistake imo to get a car now. It sucks, but waiting a few months to sit your test, and spending your money on lessons is a much better plan. + you'll literally save thousands!

Alanstrainor

Btw, if you've held your license for a year, ie before the 4th of April 2011 you do not have to complete the 12 EDT lessons. You can sit what ever amount of lessons you need until you feel comfortable sitting a test.

This is probably worth a read.

LINK

Dbstf

Alanstrainor wrote: »

Btw, if you've held your license for a year, ie before the 4th of April 2011 you do not have to complete the 12 EDT lessons. You can sit what ever amount of lessons you need until you feel comfortable sitting a test.

This is probably worth a read.

LINK

I sat my theory test on the 6th of April and got my licence on the 14th lol.. Unlucky... xD

Mar4ix

try brokers. one friend got not bad deal off tescos,

then check xsdirect.ie, and arachas.ie .. i was dealing with them, when i had no ncb, and getting insurance for high performance cars.