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sky high quotes
jonsyt
Posts: 88 Forumite
Im a new driver passed my test a couple of weeks ago , Im looking to buy a cheap car for driving to and from work . I have found a ford fiesta age 1999 t reg which is 1.2 engine size so only a small car . I have spent the best part of 8 hours searching for insurance qoutes and the cheapest ive got it £5083 for the year and the most expensive was 16k which is a disgrace this is with the maximum excess .
Im male age 24
Have no motoring convictions or criminal convictions .
im employed.
even putting pass + in quote only lowered it by £200
I have no one to put as a 2nd driver or anything like that so what can i do to get insurance cheaper , If prices are going to be like this i wish i never bothered learning to drive .
Im male age 24
Have no motoring convictions or criminal convictions .
im employed.
even putting pass + in quote only lowered it by £200
I have no one to put as a 2nd driver or anything like that so what can i do to get insurance cheaper , If prices are going to be like this i wish i never bothered learning to drive .
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Comments
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You are a high risk driver, although the area where you are living is probably a huge factor as well.
If you think it is a disgrace, you could alway start your own insurance company to see if you can lower the price.0 -
FlameCloud wrote: »You are a high risk driver, although the area where you are living is probably a huge factor as well.
QUOTE] The area i live in could be described as afghanistan without the bombs , It is quite a rough area .0 -
Which is reflected in the rates that insurers will charge for insuring somebody in that area. Unfortunately there is little you can do - they clearly don't really want the business - so choice is pay up or forget about getting a car (or move)!0
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Im a new driver passed my test a couple of weeks ago , Im looking to buy a cheap car for driving to and from work . I have found a ford fiesta age 1999 t reg which is 1.2 engine size so only a small car . I have spent the best part of 8 hours searching for insurance qoutes and the cheapest ive got it £5083 for the year and the most expensive was 16k which is a disgrace this is with the maximum excess .
Im male age 24
Have no motoring convictions or criminal convictions .
im employed.
even putting pass + in quote only lowered it by £200
I have no one to put as a 2nd driver or anything like that so what can i do to get insurance cheaper , If prices are going to be like this i wish i never bothered learning to drive .
Try financemate.co.uk. My 19 yr old son got a very good quote with Elefant for his 1991 old banger. Ok so he put me on as a named driver which helped but even without this the quote was reasonable (well going by todays standards).
Have you tried tweaking your job too?0 -
Ive not tried tweaking my job , Wouldnt they be able to tell if this was done ?New_York_No1_fan wrote: »Try financemate.co.uk. My 19 yr old son got a very good quote with Elefant for his 1991 old banger. Ok so he put me on as a named driver which helped but even without this the quote was reasonable (well going by todays standards).
Have you tried tweaking your job too?0 -
I have managed to get a quote £2163 for myself on my own with all the info correct no tweaking involved . But this is only 3rd party insurance so its the bare minimum .
Does anyone think its advisable to go for this as ive heard prices for better insurance is considerably reduced after a year if you have no claims .0 -
I have managed to get a quote £2163 for myself on my own with all the info correct no tweaking involved . But this is only 3rd party insurance so its the bare minimum .
Does anyone think its advisable to go for this as ive heard prices for better insurance is considerably reduced after a year if you have no claims .
I suppose it depends what is best for you.
In all honesty, you have a T reg fiesta (and im not saying this to be nasty) but ANY! bump you have, be it big or small.. the insurer will just write the vehicle off. Look at the excess you'd have on comp cover, and if that is getting close to the value of the vehicle, after any outstanding premium that's due and the excess deduction, you'll be getting £0 for your car. Reason being: when your car gets repaired by an insurance approved bodyshop, they have to source new parts and provide a guarentee on work that's done. That will quickly exceed the value of the car so they'll just write it off and give you the value but as said after all the deductions this could be... well nothing. Now you can choose to use your own garage who could source second hand parts, do labour at a lower rate but the estimate would have to be pretty impressive for them to not write the car off. I've seen cars with a small dent in the wing and it was a write off.. I've seen cars with small scratches down the side and it was a write off (I wrote them both off :P!)
Your first years NCD entitles you to usually 30% off the premium.0 -
Well it's up to you.Does anyone think its advisable to go for this
But personally I'd be looking at other options.
Like public transport, walking, bicycle, small motorbike/scooter supplemented by the odd taxi when it's chucking it down on Sunday and there's no bus service.
You could get quite a lot for £2163 and that doesn't include the cost of the car itself, tax, repairs, servicing, mot, fuel, parking charge or breakdown recovery policy.
Remember that cars need comsumable parts like tyres as well and if anything goes wrong then that will cost.
I've managed without a car myself and it's a bit like going to the gym. You don't really like the thought of it, but once you get used to it then it's fine and you can benefit from an improved level of fitness.
I've only had to hire a car once (for business) and that was out of choice (I could have got a train) and only used taxis a handful of times.
Mostly I simply save the money.
If you don't have decent public transport options and it's a rough area, then what about moving.
Not necessarily somewhere more expensive, but nearer to other transport options/shops.
I know everyone wants to be independent but a car is not the only way of acheiving that.0
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