help expensive car insurance

steven--1_2

Hi
The time has come to renew my car insurance, I am waiting for my renewal price to come through.
I have just done a quick check on google checker and the prices are ridiculous!
The cheapest is £905 with hastings.
I am 27, have held my licence since 17, no points or convictions or claims.
I have 6 years no claims bonus and my car is a 1.6 2004 ford focus.
I put the value down as £800 when asked so I would be paying more for insurance than the car is worth whilst I have held my licence for 10 years!
I do about 4000 miles per year.
can anybody help me get the price down?
thank you

dacouch

Are you looking at Comprehensive Cover?

steven--1_2

yes looking at comprehensive

racing_blue

Why so much?

I'm paying literally a sixth of that. Similar circumstances except sadly I have a few more miles on the biological clock than you.

dacouch

You only pay the excess if when you claim for your own repairs, it's unlikely it would be financially worth you doing it on that value car. Try quotes with a bigger excess.

Also try a higher mileage as some Insurers find drivers doing low mileage have more claims

forgotmyname

I find putting less than 4000 miles increases the premium, 4000 - 6000 makes little difference, Some are cheaper at 6000 compared to 4000 but the opposite also applies.

The excess is also a strange one, sometimes going over 400 or 500 can actually start to increase the premium.

Bad postcode maybe?

ninetyfables

The value can sometimes pump it up. Insurers don't like older cars on the road sometimes. Other than that I can only gather you might be in a bad postcode. Have you moved recently? Have you protected your no claims bonus?

luvchocolate

Sometimes putting an older person as named driver brings the price down, a parent perhaps?

lizziesharples

Have your circumstances changed at all? What did you pay last year? Do you have a partner at the same address as you? If so adding them can reduce premiums.

Have you tried a different search engine or going direct to the companies not on there?

nb73

Would be interested to know the result of the same search, but with the car value at £2,000 and 10,000 miles per year of driving.

You'd think the premium should be more, but I just wonder?

steven--1_2

Thank you everyone for replying I live with my partner in my own house and have a child under 16. My partner hasn't got a driving licence. Last year I paid £840 because that is the cheapest I could find but this is getting beyond a joke now. My circumstances haven't changed. So if I increase the miles and excess will this help? Also I chose to protect my no claims bonus.