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Cant get a good quote for first car 20 year old

Discussion in 'Insurance - Sponsored by Sky Insurance' started by Gareth a3, Feb 6, 2012.

  1. Gareth a3
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    Gareth a3 Member

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    ok i just brought an audi a3 1,6 sport and cant get a quote cheaper that 3k any ideas?
    #1
  2. Gareth a3
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    Gareth a3 Member

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  3. audi-a6
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    audi-a6 Member

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    have you tried first central?
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  4. Gareth a3
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    Gareth a3 Member

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    just did 6k :(
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  5. audi-a6
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    audi-a6 Member

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    ouch, i thought they were cheap, how about SKY insurance
    #5
  6. audi-a6
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    audi-a6 Member

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    also, can you put an experienced driver on as a "named driver"
    #6
  7. Gareth a3
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    Gareth a3 Member

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    yes my parters mum 20 plus years driving
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  8. audi-a6
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    audi-a6 Member

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    and its still expensive?
    #8
  9. Gareth a3
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    Gareth a3 Member

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  10. audi-a6
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    audi-a6 Member

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    o dear.....
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  11. Gareth a3
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    Gareth a3 Member

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    any suggestions guys?
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  12. Alais DJA
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    Alais DJA Member

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    Head to Adrian Flux / Performance Direct - saved me a few grand over the years
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  13. Alais DJA
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    Alais DJA Member

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    And there are a few things you can do to "minipulate" insurance
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  14. N4THW
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    N4THW Member

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    you need to try EVERY single site... try admiral and churchill. I'm paying 1800 on a 1.6 and im 18 on MY insurance. so you'll find one, i looked for 5 days straight!!
    #14
  15. Alais DJA
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    Alais DJA Member

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    I work in insurance - so let me tell you a few "tips" that may help you out

    Increased excess = reduced premium
    Keep milage to 4k - 6k
    Additional Securtiy ( after market )
    Kept in Garage.....

    Declaring mods is a touchy subject with me at work - i dont believe anything from Halfords you can call a mod - but be selective and use your own judgement. Ignorance is sometimes bliss...." not that im aware of" is a good one liner.
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  16. Gareth a3
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    Gareth a3 Member

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    ive been looking have got my test on thursday should smash it im just saying i past my test a few days before, ccannot get a quote cheaper than 2450 my dob is 25/10/1991 and postcode is like a b area wich is reasonable saying garaged 50 year old mother or father on claim, no mods dont know what i can do i really dont want to be paying this much any advice or if any one fancies getting a quote on my behalf for a rough guide that would be great lol. car is a 1.6 sport 99 plate cheers gareth
    Last edited: Feb 7, 2012
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  17. Alais DJA
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    Alais DJA Member

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    You will have to bite the bullit, i imagine you have done comparethemarket.com.....

    As watered down as it is, it does help. Also, check the adverts at the back of max power - i remember there being loads of insurance companies in the back for young drivers who are ( shall we say)..."high risk"

    Marcus
    #17
  18. Gareth a3
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    Gareth a3 Member

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    i have done them all cant touch anywere under 2400 any ideas greatly appreciated.

    cheers gareth
    #18
  19. willowsdad
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    willowsdad Sideways

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    You probably won't be able to do much about it mate. A friend of mine is 20 and just passed, he ended up with a 1.2 corsa special edition and pays 2.5k with 2 named drivers. That's just as low as he could get, and a 1.6 A3 8P was coming in around 5 grand! Good luck though.
    #19
  20. S3 AUO
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    S3 AUO Member

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    I tried this with my insurance, and it went up as apparently im more likely to do damage to the car opening the doors etc, which is just retarded!
    #20
  21. MurdochA3
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    MurdochA3 Member

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    Holy Shi* Thats seams soo high. I got a great quote this year with admiral multi car if there is any other vehicles in you house. Im looking at paying 1100 when my renewal is due in 3 weeks. I have a 1.6 A3 8P @ 19 Year Old and 2 Years NCB. Keep Looking mate!
    #21
  22. Arnie
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    Arnie Member

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    Kept in garage makes premium lower? I wouldnt be so sure. You must be working in call center sellin insurance rather than working for underwriters.

    In most cases keeping a car on the street is the cheapest;)
    #22
  23. voorhees
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    voorhees Moderator Staff Member Moderator

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    #23
  24. Arnie
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    Arnie Member

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    If you belive this webiste only, run the quotes and check everything yourself.

    In my case which is ub10 postocde, for 2004 audi a3 3.2

    In garage 1124
    On driveway 987
    On the street 802

    questions?;)

    Its all based on statistics and in some areas more cars get stolen from driveway or garage than from street. Reason? Thieves when see car parked on driveway they know straight away which house to break in and steal the keys. With cars parked in garage after getting in from back they dont have stress related with opening car as they do it safely under cover of garage etc.

    Its not the same for everyone but ALWAYS check all options, sometimes you will be surprised;)
    #24
  25. voorhees
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    voorhees Moderator Staff Member Moderator

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    Your quote is an exception to the rule then
    #25
  26. will89
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    will89 Member

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    This is also true for me too. On the street is the cheapest, even though its not on the street!
    #26
  27. Oranoco
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    Oranoco Well-Known Member

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    Can't get cover for my toy unless it is garaged. :(

    Saddly your age and lack of NCB means you are a high risk so will attract a high premium
    #27
  28. Charlie Ford
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    Charlie Ford Member

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    try Chris Knott they were good for me for a couple of years. but Swift cover were the best this year
    #28
  29. audigex
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    audigex Active Member

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    Try a second named driver. Mine dropped far more with the second named driver than the first.

    What's your postcode? Some (Salford, Bradford etc) are high risk no matter what you do.

    Are there any "permutations" of your occupation you could use? Some are higher risk than others - unemployed is worse than many, for example. Try a similar job title, it might not help but it can make a little difference.
    #29
  30. wolfie138
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    wolfie138 Active Member

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    not trying to be funny, but someone as young as you, newly passed w/ no experience and driving something w/ "sport" in its name....i'm surprised you got a quote as low as that, TBH. example (probably a radical one, but still) :-
    Car insurance and young drivers: why one guy chose a tractor over his VW polo

    also, i have heard several times before that garaging a car can add, as apparently the amount of claims caused by people dropping tools/paint etc on a garaged car is pretty high. as said, try sdome options, just be aware if you say you garage it and you don't it's fraud : therefore if it does get nicked off your driveway you won't be able to claim w/out potentially dropping yourself in it.
    #30
  31. audigex
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    audigex Active Member

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    Insurance is normally high for 18-21 year olds, then slightly lower for 22-25, then gets more reasonable.

    Holding your license for 4+ years helps - hence why I keep telling 17 year olds to take their lessons now even if they won't drive for a few years.

    I'd expect it to be expensive, but ~£2k should be achievable unless in a dodgy postcode. It's still a lot of sheets, but better than £3k
    #31
  32. wolfie138
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    wolfie138 Active Member

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    tch, just tried Flux, got the same as Sky, about double my cheapest quote.
    #32
  33. jjmurphy21187
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    jjmurphy21187 Tiptronic

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    As has been said:

    Limited mileage (I read somewhere 8k is the magic number?)
    Add experienced drivers (the more the better)

    And for future reference... never buy a car without first checking you can afford to insure it...
    #33
  34. Murley
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    Murley Member

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    I can back this up. Same with me and a few other friends also.
    #34
  35. cooldragon224
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    cooldragon224 New Member

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    Try tesco insurance,they are quire reasonable price if you get cover as second driver.
    #35

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