help expensive car insurance

dacouch

Have a look at putting your partner on as a provisional licence holder, I would not be surprised if it knocked 20% off the price. You can then apply for a provisional licence for her.

This works for a lot of people

mgfvvc

What do you put for occupation? Is there another description that also applies, e.g. if you work in a government department you might be able to put civil servant.

Archergirl

Use a comparison site and just put different configurations in, but be as truthful as you can, did you try putting an older person on as a named driver?

bouncydog1

Possibly to do with your postcode. If insurers have had a lot of claims arising from a particular area, then they will seek higher premiums to cover the increase in risk. Same applies if they have had a run on claims for a particular vehicle. All you can do is try what others have suggested - large excess, additional driver with a clean licence and some years experience etc. Also look out for the add ons such as breakdown cover as these are usually sold as separate policies.

You could also try a local broker as there may be others they are dealing with with similar issues and may have an alternative market not usually available directly to the public.

MichaelDrewdinkel

You cannot be a Smart Riskologist if you drive a brand new car. This is not my frugal opinion; it’s a fact. Put any group 10 economists in a room together, and they’ll disagree on pretty much everything except that buying a new car is a dumb consumer move.

I don’t care who you are, there is no way to make owning a brand new car pan out financially. This is especially true when it comes to lowering your insurance bill.

Owning a fancy new car will also land you the most expensive insurance policy to cover it, even if you have a liability-only policy.

To understand why, just think like an insurance agent would. What would you charge a friend if they asked you to pay for any damage they do to their brand new Corvette? Now, what if they were driving a nicely maintained Toyota Camry that’s a few years old?

Which car is more likely to be driven responsibly, resulting in a lower risk of accident?

d70cw6

MichaelDrewdinkel wrote: »

You cannot be a Smart Riskologist if you drive a brand new car. This is not my frugal opinion; it’s a fact. Put any group 10 economists in a room together, and they’ll disagree on pretty much everything except that buying a new car is a dumb consumer move.

I don’t care who you are, there is no way to make owning a brand new car pan out financially. This is especially true when it comes to lowering your insurance bill.

Owning a fancy new car will also land you the most expensive insurance policy to cover it, even if you have a liability-only policy.

To understand why, just think like an insurance agent would. What would you charge a friend if they asked you to pay for any damage they do to their brand new Corvette? Now, what if they were driving a nicely maintained Toyota Camry that’s a few years old?

Which car is more likely to be driven responsibly, resulting in a lower risk of accident?

thanks for random ramble