I just passed my test (UK) last week.
I'm looking into (and have been for some time) getting a car. Anything will do me which is cheap to insure.
I'm a 17 year old male and I haven't been able to find anything under £2600 for any car no matter how crap it is.
Does anyone know of any decent insurers and cheap cars which are cheap to insure but not embarassing? I may be able to get insured under my Grandparents' plan, that should save me some money.
Well in Canada I have been told that insurance rates are a flat rate for all new drivers, so you should call up an insurance agent nd ask about it. If insurance is a flat rate for you also, get whatever the fuck you want.
[QUOTE=1337sause;28986920]Well in Canada I have been told that insurance rates are a flat rate for all new drivers, so you should call up an insurance agent nd ask about it. If insurance is a flat rate for you also, get whatever the fuck you want.[/QUOTE]
Well, you were told wrong.
[QUOTE=1337sause;28986920]Well in Canada I have been told that insurance rates are a flat rate for all new drivers, so you should call up an insurance agent nd ask about it. If insurance is a flat rate for you also, get whatever the fuck you want.[/QUOTE]
Horse shit. And definitely not nationally, I probably pay more than twice as much being a G2 driver in Toronto than a driver in Vancouver of an equivalent license would pay in insurance. Prices here are retarded, to get the shittiest coverage for me individually is anywhere from $4000-$6000 yearly, depending on the car, and being added to my parents' policy (SUV and minivan are the 2 vehicles on it) as an OCCASIONAL DRIVER is costing an extra $2000 on their bill.
[QUOTE=Bllasae;28990437]Well, you were told wrong.[/QUOTE]
Ever think maybe it's just where I am from?
[QUOTE=1337sause;28992203]Ever think maybe it's just where I am from?[/QUOTE]
No.
There is no flat rate for insurance, period. Nowhere. Cars fluctuate in price far too much for an insurer to set one price for everything. Two similar cars can cost thousands apart in price to replace.
You were told wrong.
The cheapest(by far, like $2000 less per year) I could possibly get is by being on my parents insurance plan, and even then it's not cheap. To insure my POS '89 Dynasty it's costing my parents like $1800 a year, as an Occasional driver. My car isn't even worth $400 bucks. :v:
[editline]4th April 2011[/editline]
I hate Insurance Companies.
When you understand how insurance works you begin to find ways to keep costs down. Everything is based on the risk and statistics of you having to make a claim, everything is factored in; Your age, address, occupation, car type, previous criminal records, maritial status... The lot.
As a young driver you are a higher risk because you're statistically more likely to be involved in an accident. For example, the amount of 17 year old drivers wrapping Vauxhall Corsas around lamposts is considerably higher than a 17 year old wrapping a Skoda Fabia around a lampost, therefore the Vauxhall usually costs more to insure. Also if the area you live in has a high rate of car crime then your premium will be increased because it's more likely you'll have your car nicked or vandalised. Who else is driving the car also plays a big part in the cost too. If you take out an insurance policy and you are the only driver then you pose the biggest risk to the insurance company, if however, you add a more experienced driver such as your mum to the policy then you're spreading the risk across another driver and the price will drop to reflect this. If you only plan on using the car a few times a week then you can be a named driver instead of the sole driver. Trying to blag this by saying you're a named driver when you're not is call fronting and will void your insurance should you have a crash, not worth it.
When insuring your car you have to really play around with the figures, tweak your job title as some job titles increase premiums by a lot. My job as a technical analyst is listed as an electrical engineer for insurance purposes. It's not a lie as it's sort of related to a technical analyst, but it did save me almost £100 a year on my insurance.
So when you're picking a car pick something that you don't see every 17 year old driving, pick something really boring, add your mum, grandma, dad or other older members to your policy to see if that brings it down. Invest in an alarm or other security for your car, they can be had quite cheap 2nd hand off ebay. Saying your car is garaged isn't always the cheapest option so play around and see what being on a driveway or parked on the road does to the cost. If you only plan on spending around £2,000 on a car then don't bother with fully comp insurance. The policy will cost more than the car is worth and if you had a crash they'd barely even pay you £1000 for your car. Third party or even third party fire and theft is your best bet as the cost is a lot less.
Also a piece of advice from experience... If you have a crash as a young driver do what you can to avoid involving insurance. If you bump into someone and do little damage offer to pay for the repairs yourself or if you write your car off in a ditch without damaging another car then don't tell the insurance. Making a claim at a young age will mean ridiculous prices for the next 5 years! I wrote my car off, luckily I crashed into my friend who didn't claim against me, I took cash out my savings and bought a new car, the insurance don't need to know.
Two good insurers to try are Adrian Flux and Sky Insurance. Look in to classic car insurance. A car over 10-12 years old can be classed as a classic and insured for very little but a lot of companies require you to be 21, not all though. Look into it.
Congrats on passing your test too.
Move to America. Insurance here is dirt cheap compared to the UK.
Are you under employment that qualifies for full time? Because my friend was checking out some prices (also 17) on a dirt cheap saxo (he's not a chav) and putting student in the occupation field got him quotes of £3000+, but putting sales assistant was ~£1000. Also see if your parents are willing to let you put them on as named drivers for the vehicle
Ask if they mind? My mum and grandma are both named drivers on my Prelude and they don't even know it.
Best kept that way, they are both shite drivers :v:
[QUOTE=bradley;28992406]No.
There is no flat rate for insurance, period. Nowhere. Cars fluctuate in price far too much for an insurer to set one price for everything. Two similar cars can cost thousands apart in price to replace.
You were told wrong.[/QUOTE]
He's most likely thinking of Government run insurance companies. They exist in a few provinces and usually provide much better rates than those of private companies, especially to people who would traditionally have the highest rates.
[url]http://www.ibc.ca/en/Car_Insurance/Car_Insurance_Where_You_Live.asp[/url]
Auto insurance in Manitoba is provided by a government-run insurance company, Manitoba Public Insurance (MPI).
Auto insurance in Quebec is provided by both a government insurer and private insurers. The government insures against injuries to people, and private insurers cover you for property damage.
Auto insurance in Saskatchewan is provided by a government-run insurance company, Saskatchewan Government Insurance (SGI).
[QUOTE=1337sause;28986920]Well in Canada I have been told that insurance rates are a flat rate for all new drivers, so you should call up an insurance agent nd ask about it. If insurance is a flat rate for you also, get whatever the fuck you want.[/QUOTE]
The only thing I can think of that actually exists clost to that is in some countries an insurance policy is taken out on the car as opposed to the driver, anyone with a license and permission is allowed to drive it, good for young drivers but bad for old drivers due to them paying higher rates. It's mainly Europe where those policies exists and they make quite a bit loss for insurance companies but it's been that way since the beginning of time so it would be too hard for them to change it without the country protesting.
[QUOTE=Bengley;28986582]I just passed my test (UK) last week.
I'm looking into (and have been for some time) getting a car. Anything will do me which is cheap to insure.
I'm a 17 year old male and I haven't been able to find anything under £2600 for any car no matter how crap it is.
Does anyone know of any decent insurers and cheap cars which are cheap to insure but not embarassing? I may be able to get insured under my Grandparents' plan, that should save me some money.[/QUOTE]
Get the a car in the lowest insurace group you can find. I think the 1 ltr corsa is like group 1 or 2.
If you use your own policy experiment adding parents etc on to it - I still get £100 off my insurance by adding my parents despite having 5 years NCB and being 22.
Pass plus courses etc can help bring down the insurance costs.
This site can be useful in finding a low insurance group of car. [URL]http://www.parkers.co.uk/insurance/#ig=0[/URL]
Pass plus doesn't really do much these days. The course costs over £100 and you're lucky to save £100 from the premium, some insurance companies are not even recognising it anymore.
[QUOTE=sam.clarke;29000477]Pass plus doesn't really do much these days. The course costs over £100 and you're lucky to save £100 from the premium, some insurance companies are not even recognising it anymore.[/QUOTE]
They're scrapping it soon
You want a car that doesn't get crashed by kids and you're on to a winner. this means no corsas/saxos/106 etc.
[editline]5th April 2011[/editline]
or basically just what sam said.
you can use this site to find the cheapest alternative job title:
[url]http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/[/url]
and you can use this site to find out your postcode risk group, not something you can change but worth knowing anyway:
[url]http://www.carinsuranceexplained.com/car_insurance_explained/insurance_postcode_risk.htm[/url]
[QUOTE=Manta Ray;29036297]you can use this site to find the cheapest alternative job title:
[url]http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/[/url]
[/QUOTE]
Cheers, that's fucking awesome. I can save 60 quid a year by changing my job title to something that's basically the same.
[QUOTE=joe588;29104012]Cheers, that's fucking awesome. I can save 60 quid a year by changing my job title to something that's basically the same.[/QUOTE]
You have to be careful with that. Unless sam has an engineering degree, he isn't actually an engineer, but just being employed takes a massive slice off your insurance costs. Being old helps massively although yonug driver age is now anything under 25 for most companies and they've clamped down on the whole classic car insurance deal since more people picked up on it.
Something useful to note, age of the car matters very little to your premium at a young age, rather it is more engine size which has an effect. Cheapest quote on my 05 1.6 ford focus is ~£1800 for a year, where as the R reg ford 2l mondeo (with a chunk less bhp) is about £2700. It might not be the coolest car on the market but a 1l nissan micra is pretty cheap to insure, does reasonable mpg and has pretty cheap road tax. If you want more space then consider some kind of volvo.
Nice work passing your test. LV was quite good for me for my first year as my mum was already with them. Helps adding a named driver such as a parent to your policy and paying a higher excess if you're involved in an incident will also get the cost down.
I've insured the Jeep on mom and I'm just "borrowing" it for the insurance company but obviously I'm paying the bills addressed to mom :v:
[QUOTE=Bengley;28986582]I just passed my test (UK) last week.
I'm looking into (and have been for some time) getting a car. Anything will do me which is cheap to insure.
I'm a 17 year old male and I haven't been able to find anything under £2600 for any car no matter how crap it is.
Does anyone know of any decent insurers and cheap cars which are cheap to insure but not embarassing? I may be able to get insured under my Grandparents' plan, that should save me some money.[/QUOTE]
You'll pretty much get that price with any insurer at that age with any car, I was paying 2.4k at 18 on a 1.2 Ford Fiesta after passing - that halved when I had been driving a year.
[QUOTE=Ldesu;29113228]I've insured the Jeep on mom and I'm just "borrowing" it for the insurance company but obviously I'm paying the bills addressed to mom :v:[/QUOTE]
That's called fraud.
thats called stiknit to the man
[QUOTE=SteveUK;29113299]
That's called fraud.[/QUOTE]
It's like the most common thing to do in whole Norway
[QUOTE=Ldesu;29113983]It's like the most common thing to do in whole Norway[/QUOTE]
*everywhere
If you're not the main driver, insurance will stay the same price, if you're the main driver you will build up a no claims and get cheaper insurance each year.
It's only fraud if you get caught.
A lot of the time when people get caught out for lying on their insurance is when someone crashes into them. The trouble is, when you do make that claim it won't take the insurance company long to find out, if they don't know already. A lot of companies know almost everything about you before selling you a policy, even if they know full well you are lying they will take your money knowing when you make a claim they won't have to pay out but they've still taken your money, win win! The problems that follow can be worse though, once your policy is invalidated you'll probably be blacklisted against all the major insurers and you'll still find yourself having to pay for the other car if you are partly to blame, so you'll be out of pocket and probably unable to obtain car insurance for quite a while, then you'll realise saving £200 a year on car insurance wasn't really worth it. A lot of people do get away with it and will continue to, but it only takes some other idiot to hit you and it snowballs from there.
In the UK a bill has been proposed to clamp down on these ambulance chasing cunts that call themselves solicitors. The insurance companies encourage drivers to make a personal injury claim when involved in a minor accident. These 'no win, no fee' claims cost the insurance a small fortune in legal fees, taxes and payouts for mostly false claims which then pushes your premium costs up. A friend of mine was involved in a small crash and was hounded by companies afterwards to make a claim. For the fuck of it he gave it a shot, three weeks later and a few phone calls to retell the tale he received a cheque of £1200 for whiplash without even going for a medical examination or even to court, it was that easy. For that reason, everyone is doing it. The insurance companies sell your contact details to car hire companies and legal companies who'll then press you to make a claim or hire a car whilst yours is being repaired. Hopefully this bill will reduce the blame/sueing culture and put a stop to insurance rising so much but I doubt the insurance companies will drop their prices too quickly to reflect the true cost. Quick to rise, slow to drop.
The truth is that if you're 100% honest you won't get cheap(er) car insurance until you're 25 or older, it's just the way it is. You can reduce it a bit but you'll still be paying in the thousands, the only way to reduce car insurance is time. As you get older and a few years no claims under your belt you're seen as a lower risk and will pay less but until then you just have to bend over. You can lie to keep costs down but always run the risk of being found out and landing in the shit when you do, with more and more cars on the road it's easier to have a bump.
[QUOTE=SteveUK;29113299]
That's called fraud.[/QUOTE]
who actually gives a fuck. insurance companies are the nastiest conartists of them all. a good lot of them are owned by RBS and you know how they love to waste your money.
milk them for everything you can, they do the same to you. just don't get caught.
[editline]12th April 2011[/editline]
or as sam said again. great mind think alike and all that.
Try use marks and spencers insurance. Be prepared to still pay £1500 - £2000 though.
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