HELP - Cheap Car insurance needed - HotUKDeals
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HELP - Cheap Car insurance needed

Chidda Avatar
9y, 2w agoPosted 9 years, 2 weeks ago
Right my other car recentley died on me so I need to buy new one. As I have university I just want to buy something cheap

I was looking at Ford fiesta 1.25 for around £600-£700.

However getting car insurance quotes is a joke. Im 22, having been driving since I was 17 and Im getting quotes of around £700 Third party fire and theft. Im not paying that just to insure a car, absolute joke!

Now I do have 3 points (SP30) and had a small accident 2 years ago, I bumped into the back of someone at the island, a claim was made and I lost my NCB (cost around £1000 to repair mine and the TP's car)

Anyone know of any cheap car insurance providers, I was expecting £400 maximum for a car worth so little, and Im nearly 23.
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Chidda Avatar
9y, 2w agoPosted 9 years, 2 weeks ago
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#1
try elephant they've always been the best for me
#2
Quinn Direct Are Really Cheap!!
#3
Older cars often cost more to insure. If you haven't bought the car yet the things to look out for are.

3 doors are cheaper to insure....
Do you have a partner you could insure on the policy as that sometimes brings down the premium.
less mileage will bring down the premium.
#4
Im with swiftcover, they seem quite cheap. The only downside is that they are online only! U can call them, but be warned, you will be put on hold for quite a while!

Also put your excess up, that can help. Remember though, if you have an accident and your excess is £300, you'll av to cough that up first!

Why is Insurance so expensive these days?!!?!?!?!
#5
goto mse and follow his steps
#6
Chidda
Anyone know of any cheap car insurance providers, I was expecting £400 maximum for a car worth so little, and Im nearly 23.


It is not so much the price of your car, it is the damage you could do to a third-party, i.e., crashing into the back of a Bentley for example!

I had a car at University when I was a mature student and to be honest I hardly used it; it was useful for a weekly shop (when all my housemates piled and bought as much as they could to take advantage of not having to carry it back!) and getting home occasionally, but I don't think I would have missed it that much.
#7
Check out Confused.com and Moneysupermarket.com

I just turned 23, just passed my test and got insured on a brand new 1.2 Corsa for just a smidgeon over £900 fully comp.
I was getting quotes of £1200-1400 but added both the parents and got a nice saving.
Quinn-Direct used to be cheap, but think they have went up a bit. My sister got insurance with them quite cheap, but i'm paying less than she was now and its a new car, while hers was 2nd hand.
I got it with AIG, but had to go through one of the above sites to get it cheap.
I tried just going to the AIG website and got a crazy quote near double what i got it for.

Excess can effect it a bit, but i got £250 i think.
The thing that will affect you more is that you are under 25, and you have an accident and points on your license.
You would get it a lot cheaper without the points or accident and this will have a bigger say than the type of car etc i am sure.

Try those website anyway as thats what i tried.
If you can add experience drivers, try adding them. Sometimes it adds cost, but other times it can take a lot off.
If its kept in a garage overnight it saves quite a bit.
Increase the excess (but when i looked it didnt effect it that much so was risking too much. Adding £50 to my excess was saving like £5-10 on my premium, if that.
#8
post office are v cheap from experience :thumbsup:

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