How much do you pay for insurance?

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LaurenP

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I'm 25. 8 years no claims and a clean licence. 1.5 tfsi A3 sline 2018.

I pay £1429. I see people here who are younger than me and drive a S3 and pay less insurance than me?? I'm with Admiral.

How? I really appreciate everyone's help. I do anything to lower my insurance :( :( :(
 
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23 and £970 for my s3, and I think I'm with admiral.....makes you wonder where they get these numbers from
 
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Lots of threads on here about this.
Go to Money Saving Expert (Martin Lewis). Follow his process and advice.
Lots of things determine the figure including area, job, named drivers etc.
 
The computer algorithms that insurance companies use to calculate premiums contain so many variables that making any kind of comparison between you and anyone else is a complete waste of time.

Start by ploughing through all the usual comparison websites, and when you've done that, start again with all the companies that don't appear on them, like Direct Line and Churchill.

Then, if you've got any patience left, ring round the 'specialists' like Adrian Flux.

There is no shortcut to this.

A recommendation from another person would only be of use if they were your identical twin sister, living in your house (and probably sleeping in your bed while wearing identical pyjamas), doing your job, using the same car to do the same things and, having passed their test on the same day as you, have the same no claims.

Seeing how little everybody else seems to pay will only make you cross...



.
 
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I’m 29. 1.5 TFSI (2017) .....and a piliminary quick te for next year was £300.
 
LaurenP said:
I'm 25. 8 years no claims and a clean licence. 1.4 tfsi A3 sline 2018.

I pay £1429. I see people here who are younger than me and drive a S3 and pay less insurance than me?? I'm with Admiral.

How? I really appreciate everyone's help. I do anything to lower my insurance :( :( :(
Click to expand...

It's like comparing oranges and Elephants. Everything affects how much you pay for you car insurance. It has been know that the houses on the very next street to you can be a lower risk.

I think postcode is the biggest reason why insurance can be high or lower for a certain age group. But type of job can affect it greatly too. Then there's is it garaged? Tracker? Years of no claims. The list goes on and on.

You may also find that young lads driving S3's, RS3's, Golf R's etc (and years ago STI's and Evo's) are on their parents insurance, with a cheap low insurance car in their name to build-up their no claims.
 
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Another thing is not just use one comparison site use them all. I got 3 different quotes with the same company using different comparison websites.
All with the same criteria and excess etc think meerkats came out cheapest by like a tenner.
Your postcode I would say makes the most difference out of the millions of variables. Moving from my old address in the city centre to out in the suburbs my premium drop from £1500 to around £450.
 
17, provisional license (fully comped without blackbox). Hopefully will be full license next week.

Pay £1,300 for mine currently. 2014 A3, 53k miles. Black edition, pretty much maxed every option and pack.

For full license I'm looking for about £2,200 - £2,400 with a blackbox. I'm with Post Office insurance at the moment. Admiral (on family's cover) wanted £6,000+.

I've two named drivers on my insurance.

Making the most of it with provisional before I get a blackbox.. not looking forward to it
 
23, 2 Years NCB, social and pleasure only as I have a work van and 8k a year came in at 1.1k with Axa through GoCompare on my S3.


Sent from my iPhone using Tapatalk
 
£647 paid with Aviva last Nov when I renewed for my FL S3. 22 at the time now 23, with 3 years no claims and no points. Social and Commuting included.

It’s a multi car policy but I’m the main driver for my car, although I’ve got both my parents listed as named drivers who each have 15+ years no claims.

Only other thing I’ve done is the 200 miles with the Aviva drive app when I had my old A3 and got a decent score at the end of it and that took about 20% off my quote too so potentially worth trying that.
 
£335 with zero no claims bonus the insurance company ****** up so they obliged by keeping it at this price long..... Story .... .
 
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wab172uk said:
You may also find that young lads driving S3's, RS3's, Golf R's etc (and years ago STI's and Evo's) are on their parents insurance, with a cheap low insurance car in their name to build-up their no claims.
Click to expand...

Bear in mind that this is strictly illegal now and insurance companies are very tight on it.
 
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2.0 tdi sline. 150bhp. 500 quid from adrian flux

27 8 years ncd I think it was but could be 9
 
Interesting thread.

£850 per annum 27y with 4 ncd.
 
As stated earlier there are so many individual variables and also the specific level of cover that make it impossible to directly compare.
Having said that I will quote my premium for a 2018 S3. :D
51 years old, maximum protected NCD, legal protection, social and commuting, £100 total excess - £429 with Saga.
This was the cheapest price I could find for the level of cover I wanted.
Curiously my previous car - latest model 2017 Honda Civic Type R was £70 cheaper to insure with Hastings Direct who I had been with for 7 years, but they wanted over £500 to insure the S3.
 
FL S3 Saloon - 28 y.o

£500 last year
£530 this year, with resonator delete declared.

E-Sure
 
FL S3 (17 plate) - I'm 49 years old with over 10 years no claims.

Last year was about £330 and this year was about £470 (I can't remember exactly). The reason for the increase was the prang in March, but I'd protected my no claims anyway.
 
Try fiddling with your job title, changing mine from auditor to accountant reduced it by £300... anyway 20 y/o, 2 years NCD on a 2017 S3 is £2,150. I have business miles too.
 
21, 2017 S3 Saloon, 4 years NCD - just renewed for £799 with Admiral. My excess is high but, £1000 and I’m on a multi car policy.

When the renewal first came through it was a lot more but when i called to go over the details they hadn’t reduced the market value of the car so when they did it came down by £350!
 
audi upgrades
Last year £1k with Admiral, renewal came out at £1,200, used the usual quote engines and now insured with esure at £700, hitting the ripe old age of 35 has sole benefits. 3 years NCB

I then got a further reduction when I moved from central Cheltenham out into the countryside.
 
1k with admiral for my A3 Saloon S line 1.4 150, 20 years old and 2 years NCB
 
35 yr old, 14yr NCD, £550 Admiral (FL S3 Saloon)
 
Hi,
If you do need any help with insurance at all then please feel free to drop me a line.
Regards,
Dan.
 
Insurance now a days is a rip off - I am 33 and paying an ok amount for both cars but when I was 24/25 I had a 8P S3 tuned to the gillies (370bhp) and wasn't paying much more than what I am paying for my S3 8V tuned to the gillies lol

Best was my 2005 Porsche Cayman S at 29 years old paying £300!!!

My 2010 Scirocco R was more expensive than my 2010 S4 Avant ***!

As most of you know, every year it goes up - every year you get older, wiser, more experienced, more no claims etc... yet you get punished for other peoples mishaps.
 
There are some things that get better when you get older. Got a quote for my 17 year old on a 10 year old fiesta 1.4 - £2000 about what the car was worth
RS3 £675, Audi S3 £420, Peugeot 307 xsi and Merc a class were about £210 each
- each policy is full protected NCD, legal, free courtesy car, £200 total excess.

Agree, every year they usually put it up but some I often deal with like Direct Line and some brokers don't bother as they know I create a fuss

Worst time for insurance was during the hot hatch epidemic, cars then could be opened by breathing on them. In 1990 ish, my 5 year old Golf GTI MK2 insurance went up from £800 to £2500 in a year as some plum drove into the back of it a week before renewal causing minor damage. Once the claim had been settled, cheap quote I got was £1400
 
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MattSedg said:
Social only mind, no commuting, has a tracker and dashcam
Click to expand...
So do I but I do commute but then again I can lie but it's too late now. But how the hell is your insurance so cheap??? Its impossible please tell us what you put for jobs and the other bits and bobs when you fill in the application form online.
 
LaurenP said:
So do I but I do commute but then again I can lie but it's too late now. But how the hell is your insurance so cheap??? Its impossible please tell us what you put for jobs and the other bits and bobs when you fill in the application form online.
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Lauren you'll never get anywhere. Insurance varies too much, unfortunately you just have to suck it up. Short of lying about your details it won't change. Which of course you shouldn't do.

Sent from my SM-G965F using Tapatalk
 
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Adam14 said:
Lauren you'll never get anywhere. Insurance varies too much, unfortunately you just have to suck it up. Short of lying about your details it won't change. Which of course you shouldn't do.

Sent from my SM-G965F using Tapatalk
Click to expand...
Hopefully next year I can get it under £1k with your guys advice :)
 
LaurenP said:
Hopefully next year I can get it under £1k with your guys advice
Click to expand...
I think you're still missing the point, only real thing you can do is tweak job description to something plausible. Ie accountant to financial advisor say, and see what that can do. Where you keep it, adding named drivers too. Short of that where you live and value of the car are the huge factors, hence why it is pointless comparing what everyone pays.
 
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When you say your insurance cost 1000 pounds, what time frame is that for? From the USA here and I pay the equivalent of 400 pounds every 6 months for full coverage on an S3 at 22yo haha!
 
Adnanklink said:
When you say your insurance cost 1000 pounds, what time frame is that for?
Click to expand...
It's for a week.

Everything is expensive here, but there are compensations. We have better beer, and better bread, and much. better cheese. Take Monterey Jack for example. What's that tasteless rubbery stuff all about?

And our bacon is proper bacon instead of those skinny little rashers. That isn't bacon.

I'm happy to pay a grand a week to insure my car as long as I can enjoy a decent bacon sandwich, so yohaha yourself.

.
 
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I'm in Canada, cars' financed ( most financing companies have a minimum coverage amount), and I pay $1600/annually.
Which is $400 more than what my 15 GLI was, same company, same coverage.
No tickets, no demerits, driving for 20 years.
Lame.
 
Listing both parents as named drivers brought a substantial reduction in the cost of both our kids' policies.
 
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