How can i lower my insurance?

[dabofoppo]

I know im not the only person in the world who has high insurance but im wondering how i can actually lower it without having to wait years. Im 20 years old had my licence 3 years and i have 1 year NCB currently my cheapest quote is £680ish with a £100 excess with endsleigh (or £500 if fully comprehensive). The car is a 1.2 16v Corsa B worth around £400 most places iv tried are quoting around £900. Thanks for any tips

[Papa Hotel]

Be older, have more NCB, turn female, get a cheaper/older/slower car.

[SystemParanoia]

sell the car and buy a bus pass?

[Emubiker]

look in more places, try under the sofa

[Sixpackpert]

Suck it up I'm afraid.

Sorry.

[dabofoppo]

Iv used comparison sites mostly. There was nothing under the sofa besides a spider and a bit of dust. Im already considering selling for a bus pass and i cant afford a sex change at the moment.

[SystemParanoia]

yup, trade in for a sIII landie

[Diablos-666]

NeMiSiS said:

Buy a classic car and join the OwnersClub, let them know you do reduced mileage because it's always broken down. And tell them you're a very good driver, except on Wednesdays.

... but you use a bus on Wednesday's

[Rich1973]

Insure a parent. Might bring it down a bit...

[ic0n]

Admiral with women additional drivers

[SystemParanoia]

...lie

[ewenm]

Rich1973 said:

Insure a parent. Might bring it down a bit...

Adding your mum as a named driver can help.

[Sparky1988]

Turn 25 and get a sex change. It's the only way mate lol I was £1600 for my impreza last year at 21 was soooooo worth it,insurance is a pain in the beenie bag but unfortunalty we need it, even turning 21 I noticed a drop in quotes

[SystemParanoia]

but if you dont have an accident.. you could be £0000's better off

[dabofoppo]

Thanks for the suggestions so far ill try them all ( except lying )

[dabofoppo]

Adding my mother saved £20 every little helps.

[Rich1973]

Rich1973 said:

Insure a parent. Might bring it down a bit...

Yes, i did mean as an additional driver and not the main driver.

[ShiggyBiggs]

Thats fairly cheap if you ask me, when I was 21 with 2 years NCB on a st heap old turbo diesel mk3 golf, I was paying £1500 3rd part f+t. The year before it was £2000. and the year after they actually wanted more then the second year.

ETA - These were the chepest quotes going at the time and were with Quinn Direct, which turned out to let you drive any* car with the owners permission.

• I think it was no off road vehicles, jeeps and the like or vans and stuff tho. I remember driving my dads 525 on R plates on my own insurance. I think they went bust tho, cant imagine why lol.

Edited by ShiggyBiggs on Thursday 30th September 16:04

[Celt]

Lokking at civic type r's, 182's and st's iv noticed a drop of around 2k. Im looking for next jun/july I will be 21 with 2 years driving and 1 years NCB. Still over 1k but im paying that this year for a 1.6 focus.

[tim-b]

NeMiSiS said:

Buy a classic car and join the OwnersClub, let them know you do reduced mileage because it's always broken down. And tell them you're a very good driver, except on Wednesdays.

Yep, if you get an old mini and insure with a classic insurer e.g. footman james it will be pretty cheap. but be aware that you may not build up any NCB so it's possibly not the best long term solution.