insurance for a 17year old...

[thegreenmachine]

C'mon guys, wheres a good cheap company? What price are your guys insurance and give me some tips to bring it down ( i know a few but i want to know what others do to lower it)?

[LSKSK]

£1550 was my first years quote and it was through elephant

They seem to be doing the cheapest for our age.

But everyone always seems to forget that you can haggle over the phone, so never buy online

and they do go down if you say i'll get someone else to insure me

[thegreenmachine]

To be fair id snap that but cos i was aiming for 2000 and thought that would be cheap :')

[Jimi137]

it depends on many different things tho, like i know people who had the same car for their first car and one cudnt get his below 2.5k where the other was only paying 1600 :s tips inlcude living in a good area and having a good profession. also try lowering the annual milleage to say 5k.... most of the time they wont check this (unless u are on a specialized limited mile insurance) so if u do say 10k they shudnt be that fussed

[thegreenmachine]

Yeeee only problem is its not that good of an area where i live :p

[Mike_Parr]

Mine's about £4000... £473 a month, pay as you go policy; and they're the cheapest. Rediculous. My job is fine, working for a bus and coach company, my area is fine (many old people) erm, no points or claims or anything. (im training to be a bus driver so i dont risk ANYTHING),

Thankfully in february it drops to under £2000 (£170 odd a month, very managable)

[nath2905]

Mine's about £4000... £473 a month, pay as you go policy; and they're the cheapest. Rediculous. My job is fine, working for a bus and coach company, my area is fine (many old people) erm, no points or claims or anything. (im training to be a bus driver so i dont risk ANYTHING),

Thankfully in february it drops to under £2000 (£170 odd a month, very managable)

wtf :/ i'd walk than pay that.....
i'm sure you can get it cheaper else where...

top tip for all of you struggling.... if you have a parent that drives, add them on as a second driver,
so you will be first driver and them second driver.... should drop it a few 100 at least

[thegreenmachine]

Or go on as the second driver ;o

[nath2905]

Or go on as the second driver ;o

if you do tht you dont get the ncb

[thegreenmachine]

Oh poo ye i forgot about that

[LSKSK]

I put my annual mileage at 3k and i've done 4k already and i've still got half the year to go

[Mike_Parr]

I put my annual mileage at 3k and i've done 4k already and i've still got half the year to go

same! well, i put mone at 5k, baught it with 104000 on the clock now done 110500 haha. only from feb this year, should of put down at least 9000 i suppose!

does annual milage matter that much anyway? its the roughly the same price upto like 12k anyway

.

[thegreenmachine]

So how many of yous lie about insurance?

[LSKSK]

Everyone lies about it pal
Thing is though, if you even so much as put a sticker on your car, your insurance is void because it's a modification and comes under the vinyl section of modifications

[nath2905]

mileage i found doesnt make any odd unless its a classic, my tips would be

try all other family relations see if any of there houses are cheaper to insure at,
and if you were to claim from you house, just say you were staying the night

put mum, dad, nan, grandad, ano one with a good driving history on as second driver,
then the ncb are your's, and it brings it down as the insurence think they will be driving it,

only put the obv's mod's on, front and back lights i would bother, paiges had front and back lights in and assessor who come look at the crash damage wasnt bothered, he was more bothered about how much the back light cost as it was damaged, but we said dont worry about it we will sort that just incase anything came off it,

try changing your job/college about, saying you leave it at home or on private land etc,

if where ever you insure it has a garage say its garaged, if you ever claimed say you had to leave it out side due to haveing some thing in garage and car would fit,

theres loads of ways you just have to keep playing about, and dont just go for first amount,
also go third party fire and theft, due to the car not been worth a great deal in the sales front,

try
admiral
adrian flux
and direct line,

but go striaght to there sites not through comparsion,

any more help give me a shout

mint was £2000 first yr managed get it too just under £1600

now after 4yrs its down to around £700 with 1 ncb due to some one running in me and never settled