When did your car insurance get cheaper

[carlove]

I got my renewal today, and to my amazement, it’s actually gone down, and quite significantly; from £835 to £538 (same number backwards, which is a little odd). Every year before this it’s gone up a bit, and I then change my insurance company, but never to a
much cheaper premium.

I’m 26 and drive a sensible Astra. I passed my test in 2013, first car in 2014. Had a small at fault claim for a car park ding in 2018, I made no claim for my own car. I don’t live in a particularly nice area and do 20k miles a year which doesn’t help.

So I’m curious, how long had you been driving when your premium started reducing? I think 7 years is quite a long time, and I know a few people my age who are paying £2-300. Am I doing something wrong or is it normal to pay so much for so long?

Edited by carlove on Sunday 7th March 09:49

[carlove]

Twig62 said:

Being over 25 now has probably had an impact on the premium.

That was certainly my guess. A nice surprise this morning, I mean it’s still bloody expensive but a step in the right direction.

[carlove]

Sheepshanks said:

Do they live near you?

I’ve paid £250 for my Merc for years and someone on a Merc forum was moaning about his premium - I did a quote with all my details but using his Leeds LS1 postcode and it was £800, and the lowest few premiums were all companies I’d never heard of.

I’m dubious of your friends premiums unless they’re got massive excesses. Even then it shouldn’t make such a difference.

Edited by Sheepshanks on Sunday 7th March 10:09

In the same postcode area, however it’s a surprisingly large area that covers both rough areas and some million pound houses. Although the one I’m thinking of does have a 107, which is probably a large contributing factor.