Of course, I was young once (and I’m sure most insurance quotes for me were around £1-1.5k back then) so £3k seems reasonable for a new driver these days.
But I also know that sometimes cars that were designated with certain insurance grouping can be surprisingly cheap or expensive to insure.
Eg try getting a quote for a Range Rover with Keyless go in London - I’m sure there’s cars with much higher grouping that will be cheaper.
Or maybe there’s statistical data linking say young males and Corsas to a disproportionate amount of accidents, skewing the premium - you may be surprised at the quotes for something that’s a little left field.
I always bought and insured my own cars. Sure I added named drivers when I was in my teens (and they did occasionally drive) but this wasn’t ‘fronting’ and I’m sure the industry is well aware of the usual tricks etc anyway.
I guess you’re a bit younger than me ….
When I passed my test , my dad put me on his fleet insurance which covered all the family cars , plus all the vehicles in his road haulage business ; I could even drive the trucks on L plates with my dad sitting beside me .
The first car I bought with my own money was my Ponton , that was in 1982 when I was 24 . A policy on Classic insurance was around £60 with a limit of 3000 miles , no hardship when I had access to three or four other cars , a few vans and a Land Rover .
When I got my 125cc motorbike shortly after , ISTR road tax and insurance were something like £12 and £17 , but not sure which was which . I do remember the insurance was a rider policy with Norwich Union and allowed me to drive any bike up to 250cc , but my full car licence , which acted as a provisional for the bike , limited me to 125cc , in those days no need to sit a test as I could run around on L plates forever , but I did sit and pass my part 1 bike test on the day of the Live Aid concert in 1985 ; alas the engine blew up before I got my date for the part 2 test , so I gave the bike away to a pal and never sat the part 2 , nor ever got another bike . I should have just hired a course bike to sit the test then I’d have still had my full bike licence . That little bike was cheap as chips to run , a couple of quid filled the tank and that did me all week ; think it had 5000 miles on it when I bought it , and after three years I’d racked it up to 90 odd thousand as I went everywhere on it .
I also remember a mate looking at vehicles and comparing insurances , and the cheapest vehicle by far , for him to insure , was an old Series Land Rover , which he bought and insured for about £30 , still a bit of money in the early 80s
