Originally posted by S14x
Few tips
Get a old car.
Have a female as the main driver (Mum, her sister ect..)
Don't base your quotes on comparison websites, if you phone up insurance companies they'll be cheaper than online prices.
Pass plus will lower your insurance
Are you driving? I can tell you none of them will work. I have a 1.2 1998 Corsa. It's got the cheapest insurance I could find. But just because it's older it doesn't mean to say it will be cheaper. I wouldn't mind a 95 Golf 1.6, but it will be expensive because it's a 1.6. Sometimes for older cars it's harder to replace parts if it get's into a crash, unless it's a common car such as a corsa.
Having someone as a main driver and doesn't use the car as much as the 2nd driver is called fronting and is illegal. If you get caught you're in trouble. This is also why insurance is high. Put your mum as the 2nd driver. I did and it was a few hundred cheaper than just me.
Using the internet is cheaper than phoning up. Why? Because the company don't have to pay staff to do individual quotes as they do on the internet. Look around though and don't use price comparison sites. They're extortionate, even though mine is anyway.
Pass Plus doesn't do much either. I took it for the experience, but these days it doesn't knock much off your insurance. Some companies don't even ask for it.
You just gave a shit load of bad advice that could cause someone to get into trouble and pay higher premiums.
Now on topic. I wouldn't like 16 year olds driving around. They're not mature. They'll see it as a cool status and do stupid shit. Insurance would be ridiculously higher for everyone. More drivers on the road meaning more fuel being used meaning higher fuel prices. More emissions pouring into the Earth. There are many disadvantages to lowering the age by a year. I haven't heard anything on this either so unless someone provides a source I don't think it's true.