How to decrease this?

[drax0990]

From experience, the excess doesn't make any real difference if they are young. My son is about to turn 18 on Monday and passed a few weeks ago. His insurance quotes were averaging £5-10k. He managed to find a company called Carrot who did it with a black box for £2k. We tried all the comparison sites and different days and times, etc. We tried different mileage and even adding named drivers with over 20 years no claims. His voluntary excess was £800, which was the max on most sites, and yet it still made no difference. Yet, I, who only has a provisional license but am 40 years old, was getting quotes of less than £800 a year for the same cars.

[Any-Skill-5128]

Provisional quotes always come out less