I am not sure what you mean by dodgy.
I had another insurance company for a long time. I had great coverage and my rate was low. My truck was stolen and I claimed it. They paid the claim and it was shortly after that my daughter got her license and I had to actually put her on the policy. They wanted to triple my rates. There was no way I could afford it. I assume because of the claim, which came out to only $700.00, and because my daughter was a new driver. It really pissed me off since that was the only claim I ever made in the at least eight years I was with that company.
We used the $700 from the claim to buy a crappy 1988 Tracer and they wanted over 2 grand a year to cover it and it was not much over what the state minimum was.
I got quotes from at least a half dozen insurance companies if not more. Most of them well known and I since I had steady insurance for many years I thought that would make a difference but they still were very expensive.
I assume since she was a new driver and my credit score is horrible that was the reason for such high rates. Maybe my recent claim also raised a flag.
a) Recent claim
b) Brand new driver
c) Crappy Credit
All equal $$$$$
I have had this minumum coverage for just over a year. I got some quotes again right before it was time to renew my policy. I thought maybe I could get a better rate since she had been driving for over a year but they are still sky high.
I did check for just me on the coverage and of course it was much much lower. I would love to be able to afford more coverage and have her on the policy but I can’t afford both.
At this point I am with out $300 a month that I used to have so I do the best I can. Sometimes cutting corners is what must be done. At least we have insurance. There is a great many out there that have none so at least we are doing what is required by law.
That is one reason I created the OP. If I thought she could go and get her own policy and perhaps better coverage then I would encourge her to do so. Other than the third of the insurance and her cell phone bill she has no other bills so maybe she could afford it but it does not sound that way from posters responses.
She is not going to be 18 until October so at this point things are going to have to stay they way they are.