3 replies to this topic

[johnfisher]

I'll try to bullet point the info and perhaps you'll be able to help me out more or at least give me some additional opinions.

1. I'm a 25 yr old guy, just finishing off his studies and entering a full time profession.
2. I have held a full UK license since I was 17/18. But never owned a car or been a driver on another person's car.
3. I'm looking to buy a cheapish diesel around the £1500-£2000 mark, preferably a BMW, I've seen a few which look ok.
4. I want to buy one provided the insurance is relatively cheap, beneath the £750 mark.


Now the question is how to I go about getting the cheap insurance given that I can get the car easily. You guys were young and first time buyers once, how did you go about it?

I've been advised to go on as a second driver and use my dad who has over 25 yrs experience and several years no claim bonus. I've tried this method online but I keep getting around £950, is there a trick I'm missing? I've tried using details of my dad's current car as well, to try and get it down but that isn't working either.

The fact is, it's cheapest to get it as a 2nd driver, but the question I have is, what can I do to bring it down further by about 20% ? Should I lie about the mileage or lower the car value?

Any advice or help would be much appreciated. Thanks.

[danawheels]

The insurance coverage you choose depends on your situation. Even though you're just starting out, getting the bare minimum might not be right for you. Take a look at what each one covers, and decide whether or not that protection is something you need. Sometimes, adding an optional coverage only amounts to a few extra dollars a month.

[danawheels]

The best solution for all the problems regarding the car insurance policies is to get an auto insurance broker. A broker might make the job of finding a car insurance policy much easier and quicker within a short span of time. Make sure you choose the best auto insurance specialist who is experienced. One can get the best car insurance rate with the help of a specialized auto insurance broker.

[slykatrinah]

Shop online for quotes for high risk drivers. Though rates are high, they vary from one to another. It is worth to find the best deal that will cut down on your insurance costs.
Taking advanced driving courses can help eliminate any points on your driving record due to over speeding, DUI or multiple accidents within a short time hence lowering your cost.

Edited by Chris V., 15 December 2011 - 11:14 AM.