does any body know of ways to reduce car insurance?

Question

i have been told of a few like adding an older more exeprience parent on it and doin pass plus but what is the best y as im 17 andhave realized hw big expensive it is oging to be

Answer 1

First of all. DON'T LIE.
If you lie and you have an accident, the insurance company will find out and will void your insurance. The result is, they will only honour 3rd party parts of the claim and you will be done for having no insurance.

Having said that, there are a number of things you can do.

Get a parent put on the policy as a named driver. Preferably a mother, aunt or grandmother.
Get a femail domestic partner put on the policy.
Ensure your car is a low insurance group.
Don't insura a brand new car as it's a higher theft risk.
Do low mileage (5000 or 6000)
Don't use it to travel in and out of work.
Keep it in a driveway or better still, a garage.
Do your pass-plus if you don't already have a years NCD
Do any other driving courses you can
Add an extra voluntary excess to the policy
When asked how you normall pay for your insurance, always say you pay it off in one go every year by card.
If asked if you have sat-nav, answer "yes"

There are loads of other things that can drive down the premium, but remember, you must be truthfull otherwise your insurance won't be valid and you'll be driving illegally.

Answer 2

1) parent as a first name will save a fair bit

2) leave the fashionable cars well alone, Astra's, Escort's, Golf's, anything with sporting heritage. as an 18 year old I had a Rover 827 Sterling. 2.7 V6, 24valve, twin cam multi-point injection. It cost me £605PA to insure, less than 1 mates Peugeot 205 1.1, and another mates Mazda 323 1.3 to insure, And it was a rocket in it's day, faster than Cavalier SRI's, Astra GTE's Nissan 200's etc which were the big sports cars then. So thats a good car to consider, or Citroen XM, anything that a young driver wouldn't usually consider. Loading from a model of car that is regularly involved in claims can quadruple your policy cost.

3) you park it on a drive or in a garage on the policy. As long as you have a drive and/or garage this can't be argued with and will only be an issue if it's stolen or torched outside your house.

4) check about adding a 3rd driver with a lot of experience, sometimes that can save you another £50

Hope this all helps. It's more difficult now than it was 9 years ago but with a little luck you should be able to get an above average car for less than you'd expect if you follow these rules and crucially, remember you will probably be in a more powerful car than most people your age, so respect it. Otherwise you'll ruin this rule book for others and youerself. A Corsa may reach 85MPH, which could well kill you in an accident, but you may have a car that can do 150MPH, and that will kill you!! So make sure you drive it well. There isn't a need to prove its power, of course it's more powerful than a Corsa or Astra, use the acceleration when it's safe but don't push it. 100MPH is unnecessary anywhere!! I never imagined these words would come out of my mouth, or my fingers!!!!! But seriously, if you ever feel like your not in complete control, ease off. People tend to respect this contrary to their manners of behaviour and what the TV tells you!!

Answer 3

Try and get an older car with a engine size below 1100, having a Pass Plus can get him up to a 33% with some insurance companies (MORETHAN (?)ins used to do it)

Dont buy a car and insure it in your parents name with you on it....this is called a "fronted policy", and many people dont know it basically isnt legal. If you do this and claim, the insurance company will declare the policy null and void, meaning they will pay out nothing.
You can try CIS insurance, they used to do a legal similar version of a fronted policy.
Also, try not to buy a modified car or add any mods to the car you've bought. I know you prob want to, but this will add a fair whack on.
Keep your annual mileage as low as you can...companies reduce prices the less you are on the road.
A parent or experienced driver on the poicy can reduce the price, but make sure you state you are the main driver of the vehicle.
If you are getting quotes for Third Party Only/Fire & Theft, try Fully Comp as well. Sometimes they are cheaper (Weird I know).
Take the biggest excess you would be able to afford.
Will you use the car for pleasure only or commuting to work? Commuting can add to your price.
Note, your postcode plays the biggest part of rating your policy (apart from your age), so if its gonna be high cause you live in London for example, then its gonna be high whatever you do.
Feel free to contact me if you need anymore info

Answer 4

The main things you can actually 'do' are to park in a secure area (most expensive for insurance is parking on the street, cheapest in a locked garage), have an immobiliser fitted, drive as low insurance group a car as possible and make no modifications to the car.

Fact is at 17 it will be expensive, but I did hear there are new types of insurance for under 25's where you get reductions for not driving at night. Sounds like a good way to get a year or 2 no claims bonus under your belt to reduce a normal premium.

Answer 5

OK - I am not selling insurance, but I had a similar problem to you, although I am 48 and have been driving since I was 17.

When I came to the UK, the insurance companies insisted on treating me as a new driver - ouch!

In desperation I followed the TV advice and went to confused.com and the best quote by far was an Irish company called Quinn Direct insurance. Their slogan is cheaper car insurance for younger drivers.

My suggestion is to either try confused.com or go and get a quote direct from Quinn. Good Luck.

Answer 6

You can get a "good student" discount if you have good grades. Don't get speeding tickets and avoid fender benders. But if you are a male under the age of 25 it is going to be really expensive. At least that is the case with my two sons. Ages 19 & 20. Also the type of vehicle you drive will make a difference in cost. Good luck

Answer 7

I just got my first car and paid a third of the cost of the car just on insurance!!!
My only tip to add to the others, is get the cheapest possible car, with a very small engine. (Though obviously make sure it is safe and roadworthy.) Only get 3rd party insurance (the legal minimum which will pay out for damage you do to other people, but not for your own losses.) It might be lame and a bit embarrassing to have a granny-car, but it's better than having spent so much on your insurance that you can't afford the petrol to drive your car!

Answer 8

Other than getting a few years accident free under your belt the cheapest way may be for someone older to be the main driver and you be the second driver. However that way you won't build up no claims.

Otherwise buy a cheap cheap car and insure 3rd party fire and theft - that will be cheaper and you should build up no claims bonus.

Answer 9

raise your deductible,it will lower your premium, but if you have an accident you will be responsble for more of the bill. Also drive an older vehicle, does your school offer driver training? some ins. companies will give you a slight discount for a safety class that you have taken at school. If all else fails, beg and plead your parents to leave you on their policy, but be prepared to pay it right away or monthly or weekly so your family knows you are ready for the responsibilty, good luck!

Answer 10

Get a complete banger as your first car.

Only get cover for third party, fire and theft.

In the UK, you can complete a pass plus coarse with you driving instructor - some insurance companies will knock more money off for this as well, but check first.