First car - narrowed it down to 2

DM said:
He lives in a ropey post code so its either pay the money or the bus, thats the end of this debate aint it.
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Well not necessarily, he may not have a bad postcode, because if you just go and whack a load of details into a comparison site then you will get crap quotes regardless. It's the subtle / unintuitive things like parking on street and adding named drivers that take lumps off it and aren't something everyone thinks of.

Of course, he may have a Liverpool post code or something, in which case he most likely is completely screwed :p
 
Deific said:
Fundamental lack of understanding? You mean the assumption that a locked garage is less of a risk than a road side where it can get scraped by other cars and vandalised?
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Exactly that - flawed assumption. Statistics demonstrate that a car parked in the garage is more likely to get scraped by its owner being taken into and out of the garage than it is if its parked on the drive or on the side of the road.

This is why unless it's a particularly desireable car with a high theft risk, the riskiest place to keep it is inside a garage.
 
Kenai said:
Well not necessarily, he may not have a bad postcode, because if you just go and whack a load of details into a comparison site then you will get crap quotes regardless. It's the subtle / unintuitive things like parking on street and adding named drivers that take lumps off it and aren't something everyone thinks of.

Of course, he may have a Liverpool post code or something, in which case he most likely is completely screwed :p
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If hes getting 4k quotes for that car on confuse the best hes getting is 3k when he rings them so it all over, im still smiling and waving i gotta be honest.
 
Kenai said:
If you'd give the people the information they're asking for, they can help you lower those quotes.

You can get lower than those prices, forget the media, forget what you think of your area etc. etc.

If you're in your twenties and your postcode is good (if you really don't want to post the first part of it, then go to http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php and tell us what rating your postcode is.

Then run a quote with admiral or elephant or bell, add two older drivers as named drivers (parents are usually good for this), say you park it on the street (garage is more expensive), set your mileage estimate as low as is reasonable, be creative with your job title as some can be cheaper than others (but keep it truthful).

Try all of that and i'll be stunned if you can't get at least sub £2000, if not sub £1500. Assuming of course your postcode isn't crap.

I was 23 in a Southampton (average rated) postcode when I got this Golf and the equivalent value (I had a polo for a couple of months then changed) for a years insurance with 0NCB was under £1200.
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Using that link my postcode is rated B - so as I said very good.

I already have a parent on the insurance and he has something like 7 years NCB.

I changed parking to the road, and the cost increased by 300 quid. (so I was right, thanks)

I removed the fact that I'm a mature student and it made no difference.

Reduced my mileage by 5000 (which is probably a lie) and it came down by 100 pounds.


So please, you tell me.
 
DM said:
If hes getting 4k quotes for that car on confuse the best hes getting is 3k when he rings them so it all over, im still smiling and waving i gotta be honest.
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Utter crap, before I did things outlined in my post, my best quote off confused was £2800 for a 1996 Polo.

Once i'd put some effort into it, that was £900.
 
Deific said:
Using that link my postcode is rated B - so as I said very good.

I already have a parent on the insurance and he has something like 7 years NCB.

I changed parking to the road, and the cost increased by 300 quid. (so I was right, thanks)

I removed the fact that I'm a mature student and it made no difference.

Reduced my mileage by 5000 (which is probably a lie) and it came down by 100 pounds.


So please, you tell me.
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Who are you quoting with?
 
The problem here is that you seem to think that £3000 is the normal amount that people pay for insurance nowadays. It sounds to me like you're not doing your homework with the insurance premiums. At 21 my 53 plate 1.8 Focus came to £1200, now £800.

Honestly, ring people - don't just rely on a few quotes and comparison websites.

Don't get either of those cars. When you're getting proper quotes the difference in price between those and a cheaper car will become apparent!
 
Kenai said:
Utter crap, before I did things outlined in my post, my best quote off confused was £2800 for a 1996 Polo.

Once i'd put some effort into it, that was £900.
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right its a challenge you get his post code and pick him a winner :)
 
Deific said:
Using that link my postcode is rated B - so as I said very good.

I already have a parent on the insurance and he has something like 7 years NCB.

I changed parking to the road, and the cost increased by 300 quid. (so I was right, thanks)

I removed the fact that I'm a mature student and it made no difference.

Reduced my mileage by 5000 (which is probably a lie) and it came down by 100 pounds.


So please, you tell me.
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Answer these questions.

1 - What is your post code
2 - Your age
3 - number of years you held you licence
4 - ANY driving conviction AT ALL
5 - your occupation
 
Kenai said:
Who are you quoting with?
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a few sites directly, such as Elephant etc. and then at the same time I put the same info into a comparison (go compare) and that confirms the quotation with the sites that are on there and gives a similar price to the ones that aren't.

so give me some of the best/cheaper insurers you know to get quotes with and I'll do that and see what I get.
 
OP does not want to be helped and is ignoring requests for extra information

Answer these questions.

1 - What is your post code
2 - Your age
3 - number of years you held you licence
4 - ANY driving conviction AT ALL
5 - your occupation
 
Vita said:
Pass your test, wait a year, then get a car. That way you'll have the 1 years driving experience which does make some what of a difference to insurance. Put your parents on the policy.
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No he wont. He'll have his license for 1 year, but without 1 NCB, it makes no difference what so ever.
 
Lopéz said:
OP does not want to be helped and is ignoring requests for extra information

Answer these questions.

1 - What is your post code
2 - Your age
3 - number of years you held you licence
4 - ANY driving conviction AT ALL
5 - your occupation
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I've already answered half of these. There's no point getting irate and attacking me for what I'm telling you.

my postcode is rated B - why do you need to know more than that?

I'm 21 - 22 soon.

I don't have my license yet.

No convictions of any sort.

Mature student / work part time in a sports shop. (As I said, removing the fact I'm a student had no impact on any quote)
 
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