Yet another young driver insurance thread
Discussion
Greetings all, I have been lurking for a while on the forums and only recently signed up. I have been having a read through the various threads on insurance rants etc. and seem to be banging my head against a brick wall when it comes to insurance quotes.
I seem to have tried all the suggestions from other PHers regarding car choices/named drivers etc but nothing seems to be reasonable whether it be online quotes or calling direct. I was previously insured on a 1.6 Focus for about 170p/m but circumstances have changed so I cant justify spending that much anymore. I am 22 and have held my license for about 2 1/2 years now. I was driving for 3 months until some twonk wrote it off on a roundabout (but thats another rant). This was a no fault accident on my part and I didn't claim for the damage as the car wasn't worth the hassle/cost.
Do I just have to suck it up and accept the fact that insurance is a necessary evil and get on with it? Any advice is appreciated.
Sorry in advance for first crap post etc.
I seem to have tried all the suggestions from other PHers regarding car choices/named drivers etc but nothing seems to be reasonable whether it be online quotes or calling direct. I was previously insured on a 1.6 Focus for about 170p/m but circumstances have changed so I cant justify spending that much anymore. I am 22 and have held my license for about 2 1/2 years now. I was driving for 3 months until some twonk wrote it off on a roundabout (but thats another rant). This was a no fault accident on my part and I didn't claim for the damage as the car wasn't worth the hassle/cost.
Do I just have to suck it up and accept the fact that insurance is a necessary evil and get on with it? Any advice is appreciated.
Sorry in advance for first crap post etc.
£2040 per year on insurance?!?! Jesus - That really is extortionate.
You say your above quote is on a 1.6 Focus. As you know insurance is necessary and the variables in a quote are obviously engine power, vehicle year, value and drivers age. These first three can all be adjusted by yourself unlike your age, so why not buy a 60-70HP small hatchback like a corsa or fiesta? its logical if you are complaining so much.
You can pickup a 15 year old corsa or fiesta for under a grand in good nick and I bet the insurance would be under £60 per month, even going for something decent like a 2010 plate would be considerably less than what you were paying for the Focus.
I'm 23, I have been driving for 2.5 years like yourself, and drive a 2010 1.2 70HP polo (probably worth 5-5.5k) I'm fully comp as the main driver, with my mum named and my insurance is £385 per year.
You aren't doing enough to sort out your situation!
You say your above quote is on a 1.6 Focus. As you know insurance is necessary and the variables in a quote are obviously engine power, vehicle year, value and drivers age. These first three can all be adjusted by yourself unlike your age, so why not buy a 60-70HP small hatchback like a corsa or fiesta? its logical if you are complaining so much.
You can pickup a 15 year old corsa or fiesta for under a grand in good nick and I bet the insurance would be under £60 per month, even going for something decent like a 2010 plate would be considerably less than what you were paying for the Focus.
I'm 23, I have been driving for 2.5 years like yourself, and drive a 2010 1.2 70HP polo (probably worth 5-5.5k) I'm fully comp as the main driver, with my mum named and my insurance is £385 per year.
You aren't doing enough to sort out your situation!
Edited by lxm on Saturday 7th March 08:54
Edited by lxm on Saturday 7th March 08:55
I think I should have pointed out that although I have had my license for 2.5 years i was only driving for 3 months. With regards to car choices I have tried it all, from tiny 1.0 ecoboxes and the usual corsas/fiestas/polos to the larger cars that some people on here tend to recommend as they get lower quotes for some reason. I have also listed 2 named drivers, both with over 10 years no claims each. I know I can't do much about my age or location but any combination of variables always come back at nearly 200 a month. I know about paying it all up front can save a lot and I don't have a problem with saving money but the prices still seem a bit too unreasonable.
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