Car insurance very high - what can I do about it

DullGreyGuy

Bigphil1474 said:

OP, do you know a younger woman - probably good for a named driver, daughter, granddaughter, niece etc. I was named driver on at least 3 other policies up until a couple of years ago, but only ever drove one of those cars once. As above, look at your excess. If you can increase it by £200 for example but save your self more, it's worth doing. 7k miles is about average these days, if not slightly above, so that shouldn't be an issue. Don't just use one comparison site. Also, try a few insurers direct. It is true that pretty much everyone is seeing big hikes in their premium this year - mine went up by 57% from £245 to £385

Whats the relevance of them being a "woman" @bigphil1474? Its been illegal for insurers to use sex/gender since 2012

Increasing excesses can have funny impacts because of negative selection... having a higher but still normal excess can reduce premiums, having a massive excess often increases premiums and having a zero excess can also reduce the premium.