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Why Is My Insurance Qoutes So High!?

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Why Is My Insurance Qoutes So High!?

Postby Rhett » Mon Oct 09, 2017 11:38 am

hey all, I am a 17 year old male, live in cumbria. i realise this is a c rated insurance post code, i understand that. what i do not understand is why when i put in qoutes for the exact same car, exact same details all bar the name, my insurance skyrockets. i get qoutes of 3200 on a corsa 1.0 and the like (small, 1.2 or less cars) whereas friends, even 1 of which lives 5 doors away from me, get qoutes of about 2400. why is this? i understand the post code part, but the thing is all my friends being qouted live in the same area, in the same town, same estate in fact, our first four letters of our postcodes are the same, i thought this was what determined the post code factor.


im currently a student, ive put down i have held my license for 4 months, i am the registered owner and keeper of the car, i am the policy holder, even added a parent with 30+ years experience on (which by the way only saved me £100) and i got 3200. my friend on the same street got 2400. why is this?

also, can anyone recommend a cheap insurance company, as a young driver? eg. under 19 really, because i know car insurance has almost doubled in like 3 years. no wonder people are illegaly driving with this daylight robbery scam called insurance. thanks
Rhett
 
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Joined: Sat Mar 22, 2014 8:10 am

Why Is My Insurance Qoutes So High!?

Postby Owain » Tue Oct 10, 2017 11:46 pm

For free insurance quotes
Owain
 
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Joined: Fri Feb 07, 2014 2:56 pm

Why Is My Insurance Qoutes So High!?

Postby giorgio50 » Wed Oct 11, 2017 11:47 am

"can anyone recommend a cheap insurance company, as a young driver?"

There is no such thing and never has been.

Many insurance companies have stopped insuring under 25's, because they are such a high risk.
Those few insurers that will insure you, are going to charge you a hefty premium (as you have found out).

Anything under £4,000 for a 17 year old is cheap, no matter what you think.
giorgio50
 
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Joined: Tue Sep 18, 2012 8:16 pm

Why Is My Insurance Qoutes So High!?

Postby Etienne » Wed Oct 11, 2017 3:03 pm

Help yourself you can check your quotes in internet for example here http://HELP.INSURE-HELP.COM/-hnkmeYQ402

RE Why is my insurance qoutes so high!?

hey all, I am a 17 year old male, live in cumbria. i realise this is a c rated insurance post code, i understand that. what i do not understand is why when i put in qoutes for the exact same car, exact same details all bar the name, my insurance skyrockets. i get qoutes of 3200 on a corsa 1.0 and the like (small, 1.2 or less cars) whereas friends, even 1 of which lives 5 doors away from me, get qoutes of about 2400. why is this? i understand the post code part, but the thing is all my friends being qouted live in the same area, in the same town, same estate in fact, our first four letters of our postcodes are the same, i thought this was what determined the post code factor.


im currently a student, ive put down i have held my license for 4 months, i am the registered owner and keeper of the car, i am the policy holder, even added a parent with 30+ years experience on (which by the way only saved me £100) and i got 3200. my friend on the same street got 2400. why is this?

also, can anyone recommend a cheap insurance company, as a young driver? eg. under 19 really, because i know car insurance has almost doubled in like 3 years. no wonder people are illegaly driving with this daylight robbery scam called insurance. thanks
Etienne
 
Posts: 59
Joined: Sun Jan 19, 2014 3:49 am

Why Is My Insurance Qoutes So High!?

Postby heath50 » Wed Oct 11, 2017 7:53 pm

even 2,400 is far far too much for a piddly little 1litre engine corsa. heres some tips; first off, get your Pass Plus under your belt, this can take up to 40% off the premium.

add a parent as a named driver, which you have a already considered

get a quote for fully comp as well (can often be cheaper than tpft)

be specific about your job, rather than vague (and choose your job title carefully)

get an ugly yellow car with a piddly little engine and an immobiliser

limit your mileage

park on a private driveway or securely locked garage

increase your voluntary excess

don't modify

don't lie. they do check, especially if you have a bump, and it WILL invalidate your insurance. you can then get prosecuted for driving without insurance.

dont go for the cheapest quote on the comparison website, ring the individual companies as well

as for companies, give co-op and adrian flux a ring. (dont rely on internet quotes its very often cheaper on the phone)

... good luck!
heath50
 
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Joined: Thu Mar 31, 2011 4:50 am

Why Is My Insurance Qoutes So High!?

Postby Burhardt » Thu Oct 12, 2017 8:04 am

I would recommend you to try this site where you can compare quotes from the best companies: http://INSURECOMPAREQUOTES.US/index.html...

RE :Why is my insurance qoutes so high!?

hey all, I am a 17 year old male, live in cumbria. i realise this is a c rated insurance post code, i understand that. what i do not understand is why when i put in qoutes for the exact same car, exact same details all bar the name, my insurance skyrockets. i get qoutes of 3200 on a corsa 1.0 and the like (small, 1.2 or less cars) whereas friends, even 1 of which lives 5 doors away from me, get qoutes of about 2400. why is this? i understand the post code part, but the thing is all my friends being qouted live in the same area, in the same town, same estate in fact, our first four letters of our postcodes are the same, i thought this was what determined the post code factor.

im currently a student, ive put down i have held my license for 4 months, i am the registered owner and keeper of the car, i am the policy holder, even added a parent with 30+ years experience on (which by the way only saved me £100) and i got 3200. my friend on the same street got 2400. why is this?

also, can anyone recommend a cheap insurance company, as a young driver? eg. under 19 really, because i know car insurance has almost doubled in like 3 years. no wonder people are illegaly driving with this daylight robbery scam called insurance. thanks

Update: yeah up to 40 per cent... try 40 quid. yes. pass plus saved me 40 pounds on the qoute. considering it costs 100 to take its useless right now. i might do it next year, but pass plus does not EVER save ANYONE 40%!

and believe me i know 3k for a 500 quid car is a lot but it pisses me off when my friends get 700 quid in savings, thats a car, and a few months worth of fuel!

Follow 13 answers
Burhardt
 
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Joined: Mon Jan 13, 2014 5:26 pm


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