best insurance for 21 year old with 3 years no claims
- Thread starter azzywazzy
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Hey new guy.
I feel your pain - I'm 22 with 4 years.
Insurance sucks balls, but you have to just take it. It could be any number of things but possibly (probably) post code that is causing your premium to be very very high.
Things you could do to reduce the cost of it -
Does your car stay on the street or garage? My insurance is cheaper with my car on the street.
Are you looking at an imported car? Almost always, especially Jap, imports are more expensive to insure.
Unmodded cars are cheaper than modded ones. Consider removing mods.
X, Y, Z. Search google for cheaper car insurance tips.
You can also try some specialist insurers, Green Light, Adrian Flux, Sky, etc. but I have found they generally don't touch anyone under 30. My insurance has always come out okay from Aviva or Admiral, but it's just my postcode it seems. I have a friend who is identical to me on paper but in a different post code - and Aviva and Admiral are rubbish for him. Direct Line work for him but are rubbish for me, consistently.
I feel your pain - I'm 22 with 4 years.
Insurance sucks balls, but you have to just take it. It could be any number of things but possibly (probably) post code that is causing your premium to be very very high.
Things you could do to reduce the cost of it -
Does your car stay on the street or garage? My insurance is cheaper with my car on the street.
Are you looking at an imported car? Almost always, especially Jap, imports are more expensive to insure.
Unmodded cars are cheaper than modded ones. Consider removing mods.
X, Y, Z. Search google for cheaper car insurance tips.
You can also try some specialist insurers, Green Light, Adrian Flux, Sky, etc. but I have found they generally don't touch anyone under 30. My insurance has always come out okay from Aviva or Admiral, but it's just my postcode it seems. I have a friend who is identical to me on paper but in a different post code - and Aviva and Admiral are rubbish for him. Direct Line work for him but are rubbish for me, consistently.
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I've never been able to insure a Type R. When I was 18 I wanted to get one really badly, but insurance was 3 or 4 grand. I wasn't willing to pay that. Some people are willing to pay what they get quoted.
In the end I got an MR2 and had them for a few years. By 21 I was paying £660 on a £4000 relatively rare limited edition 200hp 1998 model.
Now at 22 I pay £530 for the insurance on the 5.7 2004 Corvette. If I get a quote for a Type R now; Civic, Integra, anything - it's still the best part of a grand, or more, if they even accept it as a policy they can provide. Most insurers still just say no, for me. Same goes for all Imprezas/Evos/Type Rs/Skylines/Silvias/Fairladies etc.
Quite why they let me insure a Corvette I have no idea.
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London insurance has always been & will always be expensive especially for cars parked on the street.
I've paid over £1500 to insure a Clio 182 in my younger days. It is part & parcel of owning a performance vehicle when your in your early 20s.
You mention your 3 years No Claims, are they on a similar vehicle or a 1.2 shopping cart as some companies take that into account also.
One other thing I've also just thought of is the rates for insurance change on a monthly basis (or so I've been told by insurance companies in the past so I'm unsure how true it is) so any quotes you get now, you may be able to get better quotes in December or early January.
I've paid over £1500 to insure a Clio 182 in my younger days. It is part & parcel of owning a performance vehicle when your in your early 20s.
You mention your 3 years No Claims, are they on a similar vehicle or a 1.2 shopping cart as some companies take that into account also.
One other thing I've also just thought of is the rates for insurance change on a monthly basis (or so I've been told by insurance companies in the past so I'm unsure how true it is) so any quotes you get now, you may be able to get better quotes in December or early January.
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When i was 18 i really wanted a bmw drift car.
Looking at insurance options for the spec etc i wanted i ended up with a
318 is e36 m3 look alike top spec leather etc and i stuck a 325 engine in it with welded diff.
Cost 1390 tpf&t due to what i was using it for and fully comp was over 3 grand.
Then at 19 after i stuffed it. I got a mk5 fiesta zetec s with puma engine many mods and paid 750 fully comp then 550 the year after then i bought my civic.
Mad
and my first car a 106 1.1 cost me 1960. More than i paid for the car!
then reduced to 900 after a year
Looking at insurance options for the spec etc i wanted i ended up with a
318 is e36 m3 look alike top spec leather etc and i stuck a 325 engine in it with welded diff.
Cost 1390 tpf&t due to what i was using it for and fully comp was over 3 grand.
Then at 19 after i stuffed it. I got a mk5 fiesta zetec s with puma engine many mods and paid 750 fully comp then 550 the year after then i bought my civic.
Mad
and my first car a 106 1.1 cost me 1960. More than i paid for the car!
then reduced to 900 after a year
Tim@Prestige
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Please feel free to try our scheme
(On CTR's, you do need a year's experience of driving that or similar bhp cars)
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It's even crazier if you've been duped into paying that for 10 months through Admiral's scheme!
I paid £1350 for my first year on the MR2 at 18. That was plenty for me... Insurance is a mental cost for young drivers. IMO you have to not set your heart on a particular car, and buy what you can afford to insure for the first 5-10 years. Otherwise I would've had a CTR or an ITR myself!
I paid £1350 for my first year on the MR2 at 18. That was plenty for me... Insurance is a mental cost for young drivers. IMO you have to not set your heart on a particular car, and buy what you can afford to insure for the first 5-10 years. Otherwise I would've had a CTR or an ITR myself!
DAN@ADRIAN FLUX
Approved Trader
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Hi,
Please feel free to give us a try for insurance if you like. If you wanted to PM me your details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.
Please feel free to give us a try for insurance if you like. If you wanted to PM me your details I'd be happy to arrange for one of my quotes team to give you a call back.
Regards,
Dan.
If you can't get better than £2k i'd seriously advise you to buy something dull, or not so dull but of a lower insurance group, and hold out for a couple of years.
Spend the money you save on holidays, driving experiences, put it towards your next car - anything other than blowing it on insurance.
Spend the money you save on holidays, driving experiences, put it towards your next car - anything other than blowing it on insurance.
Tim@Prestige
Approved Trader
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- 221
Wise advice but we often find that the desire for the car can outweigh the desire to save!
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I know, and to be honest its easy for me to say when i have an Ep3 & am old enough for my insurance to be affordable.
I just look at prices like the ones mentioned above & know there will be some serious regretting going on a few years down the line when peeps realise they could have bought a much better car with the money they have spent on insurance over the past couple of years.
I just look at prices like the ones mentioned above & know there will be some serious regretting going on a few years down the line when peeps realise they could have bought a much better car with the money they have spent on insurance over the past couple of years.