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Author Tips to get insurance low as possible
will_doyle
Banned

Registered: 25th Nov 08
Location: Exeter
User status: Offline
8th Jan 11 at 00:23   View User's Profile U2U Member Reply With Quote

I was paying £142 a month with Quinn Direct.

But then when I was to get it renewed they were asking for £180 a month.

I havn't driven it for 2 months, just becasue I aint been able to afford it.


I have just done a quote on go compare, and flux was the cheapest with £170 a month, I then rung them up, they went through my details, and they asked me if I had a part time job, I said yes, I have a part time job and I am in full time education.

The quote went up from £170 a month to £190 because I have a part time job, I only work part time in Mcdonalds! its stupid!!

I have only gone for 3rd party fire and theft

I have my mum as one of the drivers.

also, is it best to ring up, rather then go on 'Go Compare'?

Who would you reccomend?
Jenko_Sport
Member

Registered: 25th May 06
Location: Stoke-on-Trent
User status: Offline
8th Jan 11 at 00:25   View User's Profile U2U Member Reply With Quote

You must of been fucking stupid to of been paying £142 a month!

Oh wait................

































































Its you
will_doyle
Banned

Registered: 25th Nov 08
Location: Exeter
User status: Offline
8th Jan 11 at 00:27   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Jenko_Sport
You must of been fucking stupid to of been paying £142 a month!

Oh wait................





Its you







I was stupid paying £142 a month?

Ok, you fail

Thats cheap.

I was 18, first car, a lad, a 1.6 Sport with mods.

MarkSport
Member

Registered: 22nd May 09
User status: Offline
8th Jan 11 at 00:29   View User's Profile U2U Member Reply With Quote

It didn't go up because you have a fulltime job will

It's because you mentioned the word STUDENT!

tom_simes
Show Staff
Organiser: South Wales
Premium Member


Avatar

Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
8th Jan 11 at 00:32   View Garage View User's Profile U2U Member Reply With Quote

Have you listed all the mods on Go Compare Will?
will_doyle
Banned

Registered: 25th Nov 08
Location: Exeter
User status: Offline
8th Jan 11 at 00:32   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by MarkSport
It didn't go up because you have a fulltime job will

It's because you mentioned the word STUDENT!




they said to me it was because I had a part time job.
will_doyle
Banned

Registered: 25th Nov 08
Location: Exeter
User status: Offline
8th Jan 11 at 00:33   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by tom_simes
Have you listed all the mods on Go Compare Will?


yeah mate
Aerox-lad
Member

Registered: 2nd Nov 07
Location: Melksham, Wiltshire
User status: Offline
8th Jan 11 at 00:35   View User's Profile U2U Member Reply With Quote

if it makes you feel better mate im nearly 19 paying 251.99 a month of a 1.4 sport. shut up moaning
MarkSport
Member

Registered: 22nd May 09
User status: Offline
8th Jan 11 at 00:36   View User's Profile U2U Member Reply With Quote

Trust me It wont be the part time job thats making it go up. it will be the student thing....also not just your insurance has increased, everybodys seems to have gone up this year.
AlunJ
Member

Registered: 3rd Apr 07
Location: Newport
User status: Offline
8th Jan 11 at 00:39   View User's Profile U2U Member Reply With Quote

saying I was a student when I was 17 made mine go down
BeetleGav
Member

Registered: 27th Jun 10
Location: lancashire, nelson
User status: Offline
8th Jan 11 at 00:50   View User's Profile U2U Member Reply With Quote

mines cheaper saying im a student. . . ive just turned 20 literally this week. and my insurance i think is 800
antnee
Member

Registered: 30th Dec 07
Location: Cov Drives: Clio 197
User status: Offline
8th Jan 11 at 00:56   View User's Profile U2U Member Reply With Quote

Get a slower standard car if you want cheaper insurance.
tom_simes
Show Staff
Organiser: South Wales
Premium Member


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Registered: 12th Jan 05
Location: Undy, Newport Drives: Skoda Octavia vRS estate
User status: Offline
8th Jan 11 at 00:56   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by will_doyle
quote:
Originally posted by tom_simes
Have you listed all the mods on Go Compare Will?


yeah mate

That'll be half the problem then. In no way am I saying don't insure the mods, as you should always be fully covered, but from my experience price comparison sites like that always give high quotes when a lot of modifications are listed.

You'd be better ringing specialist insurers IMO. Try HIC and Brentacre to start with, both always gave me decent quotes.
daymoon
Premium Member

Registered: 1st Aug 08
Location: Selby, North Yorkshire
User status: Offline
8th Jan 11 at 08:16   View Garage View User's Profile U2U Member Reply With Quote

quote:
Originally posted by MarkSport
Trust me It wont be the part time job thats making it go up. it will be the student thing....also not just your insurance has increased, everybodys seems to have gone up this year.


It will. When i was getting a quote for my currect car difference was about 100 a year if i "had" a part time job :S
deano87
Member

Registered: 21st Oct 06
Location: Bedfordshire Drives: Ford Fiesta
User status: Offline
8th Jan 11 at 08:53   View User's Profile U2U Member Reply With Quote

Try Endsleigh they used to like students. My insurance went up with them when I left Uni and started work full time. It nearly doubled iirc.
Matt L
Member

Registered: 17th Apr 06
User status: Offline
8th Jan 11 at 09:40   View User's Profile U2U Member Reply With Quote

park it on the street, lower the yearly miles not to the extent like you have put 2k miles when you actually do 20k miles a year, alarm wise it just has standard fit stuff, change where you park it during the day if you can, add other people to the policy?

change the car otherwise to something slower.
Jenko_Sport
Member

Registered: 25th May 06
Location: Stoke-on-Trent
User status: Offline
8th Jan 11 at 10:39   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Aerox-lad
if it makes you feel better mate im nearly 19 paying 251.99 a month of a 1.4 sport. shut up moaning


And you are happy to pay that, I'm sorry but you WOULD of been able to get that cheaper.

waters
Member

Registered: 28th Jan 08
Location: Todmorden, West Yorkshire
User status: Offline
8th Jan 11 at 10:55   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Aerox-lad
if it makes you feel better mate im nearly 19 paying 251.99 a month of a 1.4 sport. shut up moaning



jesus christ......I paid £225.35 for the year last year......its gone down to £186.86 this year
although I'm limited to 6000 mile a year.
oh and the car was built in 1949

classic cars ftw
sc0ott
Member

Registered: 16th Feb 09
User status: Offline
8th Jan 11 at 11:34   View User's Profile U2U Member Reply With Quote

They probably are happy paying that for a car they want to drive.

Paying it off in full is cheaper
Chris F
Show Staff
Organiser: East Anglia
Premium Member


Avatar

Registered: 26th Dec 05
Location: Newmarket Drives: Escort Van 1.8
User status: Offline
8th Jan 11 at 13:12   View Garage View User's Profile U2U Member Reply With Quote

Tell them you work at sea, Say your a seaman!
Sam
Moderator
Premium Member


Registered: 24th Dec 99
Location: West Midlands
User status: Offline
8th Jan 11 at 13:46   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by will_doyle
I was paying £142 a month with Quinn Direct.


Just think in a few year's time you will be paying that a year!

You just have to cough up the money I'm afraid, and grin and bear it.

You could always sell the car and get some old banger like a 1.1 Fiesta or something.
richc
Member

Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
8th Jan 11 at 13:48   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Jenko_Sport
You must of been fucking stupid to of been paying £142 a month!

Oh wait................
Its you


I think your fucking stupid for saying that. Policy was probably circa £1200 with the rest interest, which i would say was bad considering his circumstances.

Think you just jumped aboard the doyle band-wagon tbh
richc
Member

Registered: 24th Mar 07
Location: Ilkeston
User status: Offline
8th Jan 11 at 13:50   View User's Profile U2U Member Reply With Quote

quote:
Originally posted by Sam
quote:
Originally posted by will_doyle
I was paying £142 a month with Quinn Direct.


Just think in a few year's time you will be paying that a year!

You just have to cough up the money I'm afraid, and grin and bear it.

You could always sell the car and get some old banger like a 1.1 Fiesta or something.


And watch it be not that much cheaper....

Ive been doing quotes on my old corsa which i had two years ago. I have not claims agaisnt my name in that time and it was more
LeeM
Member

Registered: 26th Sep 05
Location: Liverpool
User status: Offline
8th Jan 11 at 14:53   View User's Profile U2U Member Reply With Quote

ring admiral, im paying less than £400 f/c at 23 on the corsa and theyre quoting me a grand for a wrx impreza which i thought was good
Sam
Moderator
Premium Member


Registered: 24th Dec 99
Location: West Midlands
User status: Offline
8th Jan 11 at 14:58   View User's Profile U2U Member Reply With Quote

Insurance is weird.

I remember a few years ago, an Astra mk3 1.4 16v was several hundred pounds more dearer than a 2.5 V6 Calibra.


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