1st time driver. Am I doing something wrong re:insurance?

Chris22

Hi,

Long time reader, first time writer.

I've followed Martin's tips on how to get the best car insurance quote.

I checked my job status (trainee office manager) and changed it to something similar with better quotes (assistant manager), i've been through every site mentioned using the following information:

I'm 22
New driver
Third Party Fire & Theft
Parked on a street
Under £6000 m/py
Ford Focus 2000 1.4ltr Zetec (market value around £1,200)

and the best quote i've found is £1865.98

Now, it isn't awful, in fact if I pay using a 0% interest credit card (12 months) then the monthly repayments are £155.41, which is around what I expected to pay, but I was really expecting to get much closer to £1500.00

Is there anything i'm doing wrong?

huckster

This could be to do with the postcode where you live. If the car is parked on the street, the Insurers may consider this a high risk, in addition to you being a new driver.

My suggestion would be to contact a decent local broker (not Swintons). You may be pleasantly surprised by the service and competitiveness of what they can source for you.

Chris22

Thanks. I think I live in a nice neighbourhood but there is theft around, and a right of way passage at the end of the road which does result in a fair few pedestrians through the street.

I'll get some names and go face to face. This internet...I forget sometimes we can go things in person.

Cheers.

Alfrescodave

Have you tried adding a parent as a named driver - often helps reduce the premium a bit more

Lokolo

Have you tried DirectLine?

LeeSouthEast

Agreed, adding a parent (or other experienced driver) makes a massive difference.

My 19 year old girlfriend owns a 2009 Seat Ibiza, 2 claims, (1 at-fault), no points. Her renewal quote this year was £,2400. She added me to her policy as a named driver (as I do drive her car, but usually under my own insurance) (26, no claims, 8 years NCB, no points, cheap profession) and it dropped to £800 !

Lokolo

LeeSouthEast wrote: »

Agreed, adding a parent (or other experienced driver) makes a massive difference.

My 19 year old girlfriend owns a 2009 Seat Ibiza, 2 claims, (1 at-fault), no points. Her renewal quote this year was £,2400. She added me to her policy as a named driver (as I do drive her car, but usually under my own insurance) (26, no claims, 8 years NCB, no points, cheap profession) and it dropped to £800 !

Not only parents, but any other drivers I find (within reason!). My friend and I have been driving the same amount of time, however, I lost all my NCB last year, my friend had 3. I added him on and it made it cheaper! We're only 21! Crazy really.

gazfocus

Cheapest I have found is Tesco.

I'm 25, have a 1999 1.6 Astra Estate, with my mum as a second driver (with regular use of another vehicle), the insurance is £1061 for 3rd Party F&T.

Chris22

Yeah, this is with both my parents on my insurance, and my dad is a driver with 40 years of experience as a lorry driver and 15 as a tanker driver for shell.

I think it's ridiculous but i've looked everywhere.

Blackpool_Saver

so adding another person, makes it cheaper? mmmmmmm

Chris22

Blackpool_Saver wrote: »

so adding another person, makes it cheaper? mmmmmmm

I've always been taught that it should, if they have more experiance / no claims than you.