vtr02
1st April 2010, 01:51
hi everyone, i notice a lot of noobies or people looking to get a higher rated car look to see how much it will cost so i thought it would be good to put some detail together :y:
insurance quotes
basically as we all know the more powerful the car the more risk you are of crashing it, but as the sticky says the postcode risks are just as important as the saxo's were well known to be broken into. Also now the insurance companies have swapped the way cars are divided into 'risk' groups. the old system was 1-20 but now it is 1-50 so more 1.4-.1.6 cars have there own section on the risks as before they were more lower. A good example is the VTR which was 7- but i believe is now group 12-13. Also insurance companys will decide on how much of risk you are and refuse quotes on percific styles of cars so again the VTR is very difficult to insure on comparison websites as you will have only get mainstreem companies which are not intrested.
get it a bit cheaper
best method i have found is your own policy and move up car sizes. So start on a 1.1, 1.4 etc etc get your experience up. also i believe admiral 10 month policy is good value as you can accrew your policy quicker and there quotes are pretty good. Also try to keep mods to a min as they not only increase your risk of crashing but the car being stolen too. the best mod is a Thatchem approved alarm, contact someone like Mr Toad on here and im sure he will be happy to help. Also pass plus for new drivers, parking your car on a drive/ garage, parents as a named driver on YOUR policy all help. Also avoid paying monthly as this can put about 150gbp on your policy for every 1000gbp.
also look out for good deals and try not to use websites, yes they give you 10% but ring up and haggle, best thing to do is do your homework find out who is in direct comp with eachother, my brother in law works for zurich and they are told to beat all directline and aviva quotes. So have a rough price that you know is reasonable and run with it.... worst thing they do is put the phone down.
useing these tips 18 years old no no claims rover 25 1.8 i was paying 135.65 per month which i was pretty happy with now im 20 2 years ncb im paying 85 per month with more than, 3 month free insurance, just by ringing up but also dont except there renawal offer get a new quote off them just to check your getting the best deal you can. make sure though anything you do is within the law and do no flasicate any detail to obtain insurance, mods, address because at the end of the day they just wont pay out. im lucky as i know someone in the trade but there is plenty of links and good threads just look below ;)
http://www.telegraph.co.uk/finance/p...on-record.html
http://www.saxperience.com/forum/showthread.php?t=80671
insurance quotes
basically as we all know the more powerful the car the more risk you are of crashing it, but as the sticky says the postcode risks are just as important as the saxo's were well known to be broken into. Also now the insurance companies have swapped the way cars are divided into 'risk' groups. the old system was 1-20 but now it is 1-50 so more 1.4-.1.6 cars have there own section on the risks as before they were more lower. A good example is the VTR which was 7- but i believe is now group 12-13. Also insurance companys will decide on how much of risk you are and refuse quotes on percific styles of cars so again the VTR is very difficult to insure on comparison websites as you will have only get mainstreem companies which are not intrested.
get it a bit cheaper
best method i have found is your own policy and move up car sizes. So start on a 1.1, 1.4 etc etc get your experience up. also i believe admiral 10 month policy is good value as you can accrew your policy quicker and there quotes are pretty good. Also try to keep mods to a min as they not only increase your risk of crashing but the car being stolen too. the best mod is a Thatchem approved alarm, contact someone like Mr Toad on here and im sure he will be happy to help. Also pass plus for new drivers, parking your car on a drive/ garage, parents as a named driver on YOUR policy all help. Also avoid paying monthly as this can put about 150gbp on your policy for every 1000gbp.
also look out for good deals and try not to use websites, yes they give you 10% but ring up and haggle, best thing to do is do your homework find out who is in direct comp with eachother, my brother in law works for zurich and they are told to beat all directline and aviva quotes. So have a rough price that you know is reasonable and run with it.... worst thing they do is put the phone down.
useing these tips 18 years old no no claims rover 25 1.8 i was paying 135.65 per month which i was pretty happy with now im 20 2 years ncb im paying 85 per month with more than, 3 month free insurance, just by ringing up but also dont except there renawal offer get a new quote off them just to check your getting the best deal you can. make sure though anything you do is within the law and do no flasicate any detail to obtain insurance, mods, address because at the end of the day they just wont pay out. im lucky as i know someone in the trade but there is plenty of links and good threads just look below ;)
http://www.telegraph.co.uk/finance/p...on-record.html
http://www.saxperience.com/forum/showthread.php?t=80671