Suggestions for cheap car insurance???

[7755matt]

Its renewal time and ive been ploughing through the comparison sites since 5.30 (and I now have that annoying fool singing 'Go compaaaaaaaare' going round and round my head)

Prices seem much higher than they were last year, despite me getting a year old and reaching 35, which I always thought was supposed to result in a discount in itself, not to mention another years ncd.

Its a Frontera, so 4x4(ish) and reasonably big, I need class1 business use as I travel to a number of venues around the country, although mileage has dropped as I use the bike more now.

Im wondering if anyone has found a decent insurer that doesnt cripple you for class1? I need it to be able to claim mileage back from work (t&c's say class1 fully comp)

[Mr Speirs]

Premiums have gone up by a fair whack this year, mine increased on my renewal by £100 on the previous year even though I turned 25 and got 6 years no claims. Couple that with the fact that if you pay by installments the APR's are nearer 20% now.

I think its all because of low interest rates. The insurers aren't making enough money from our premium money from the banks and can't pay the claims and make money so prices have to increase.

I am now paying the same amount for my car now than what I paid when I was 22 and had 3 years no claims.

[Sudoxe]

for cheap car insurance compare the meerkat dot com, simples!

[SuzukiNess]

cut out the compare sites and go direct to the big names..

[CarlosSV650S]

cut out the compare sites and go direct to the big names..



i got a quote once for my car through confused.com, then got a quote directly from the insurance company it suggested and it was cheaper through confused .com.

dont know how that works.

[SuzukiNess]

i got a quote once for my car through confused.com, then got a quote directly from the insurance company it suggested and it was cheaper through confused .com.

dont know how that works.

the reason i suggested going direct to insurance co cos when i did both bike and car i found it cheaper thru them .. must just be circumstances, dunno then.

[Ed]

Try elephant.

[CarlosSV650S]

you can also try putting a named driver on to reduce it, i put my girlfriend on as a named driver and it goes down around £ 100. you would expect it to go up. easy way to make a saving though.

[Paul the 6th]

directline seem to be pretty good plus you get a few extra bits like free windscreen repair from autoglass...

I've got home insurance with them (extra 10% off car insurance), plus another car registerred at the house and insured with them (extra 10% off) plus 7 years no claims... mucho cheapness - oh and protecting no claims bonus is only about an extra 60 quid

[sauluk]

Insurance companies don't just make money from standard or term deposits at banks! They're some of the biggest players in equity markets so have more than likely made a fortune in the last 3 months (or at least recuperated some of the massive losses they'd have made earlier in 2009.

[Dicky Ticker]

SAGA-----------for us older uns:)

[speedplay]

Try elephant.

+1

I've used Elephant on and off for a few years and they do seem to be pretty good on the prices (always check out whats missing in the small print though).

I have used the comparison sites to get the best deal and then, get on the phone and call them.

Once on the Phone, they can ask you more questions and tailor the quote to you better than just a series of tick boxes.

Oh, and when they ask for your renewal quote... always knock a couple of hundred off it as they always try to beat it ;)

[sauluk]

+3, or at least the admiral group. They've been the cheapest for me for the last 3 years.

[jimmy4237]

Add a named driver on the named policy. As it's not you who's the only driver, that extra person makes a difference, and it becomes cheaper...

I have always had my parents put on as named drivers, and its saved me a fortune.... and yes at times they do have to borrow my car, cos I take their car, and my dads van from time to time.. so its fair and legit

Buy an old banger car, leave it somewhere safe, and don't tax
it or MOT it, but insure it as a second vehicle on your policy. As you can't drive both cars at once. Plus the second car with admiral earns you an additional NCB each year, along with any other named driver also gets an NCB built up too with admiral. Works out way cheaper than having one car with only one driver, plus it's practical too..

[kitkat]

Buy an old banger car, leave it somewhere safe, and don't tax
it

and dont drive it. My car is still getting fixed after my wee incident a couple of weeks ago. Was due back wed but found more damage. As Im insured to drive another vehicle 3rd party that is not mine I took my daughters car unfortunately got stopped on way to get tax and got a £60 fine and the threat of having vehicle taken away, only let off as I had Libby in the car. Anyway daughter got cheap insurance with Diamond and mine is cheap with churchill

[Shellywoozle]

directline seem to be pretty good plus you get a few extra bits like free windscreen repair from autoglass...

I've got home insurance with them (extra 10% off car insurance), plus another car registerred at the house and insured with them (extra 10% off) plus 7 years no claims... mucho cheapness - oh and protecting no claims bonus is only about an extra 60 quid

I wouldnt touch direct line with a barge pole after they ripped my ex off when he had his car wrote off. I hate them along with all their linked associates.

I use Churchill, which has gone up this year but only by £5 a month. I did an online quote aand cannot get near. But I am old with 9yrs plus NCD - my job does wang the premium up tho :(

[tigersaw]

I wouldnt touch direct line with a barge pole



I have similar disdain for them for similar reasons

[Well Oiled]

Follow Martin's advice. I have for years and it's saved me £££££££££s

http://www.moneysavingexpert.com/insurance/compare-cheap-car-insurance

Cheers Keith