How to get cheap car insurance

[Bewilcorp]

Did you know that there are 2.2 million students in the UK right now! To make that more digestible, that’s 1 in 28 people.

As most students are aged between 17 and 25, that’s a lot of young drivers struggling to pay for expensive car insurance when they can least afford it.

You've already payed about £500 for your driving lessons and theory and you need a car. You've bought your car, thats cost you around £750. So thats £1,250. Not forgetting Car tax and MOT!
Press here for car tax information
Press here for MOT information

You MUST have car insurance to get onto the road, So you want it cheap? Go to comparethemarket and you're looking at about £2,000 a year, probably alot more than that with some cars! Did you know if you drive between 11pm to 5am you are 10times more likely to have an accident ? Well its true! Thats one of the main reasons why you pay thousands for your insurance!

The main ways how to get cheap insurance is to

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• Get a sex change!
  - It's a fact, if you are a girl you get cheap car insurance! Apparently they say women are safer drivers! Pfft!
  
• Get theft devices
  - Most new cars have theft devices. Some are automatic and some have to be started at the touch of a button, but all usually get discounts on car insurance. Also, some states provide extra discounts for such things as window sketching.
  
• Stick with yearly policies
  - Choosing a yearly policy can extend your savings on your car insurance. Purchasing a yearly policy instead of a six month policy gives you a rate that cannot be changed for one year vs. changing every six months.
  
• Look for a group discount
  - Many companies offer a discount on car insurance for being affiliated with certain organizations. These can range from credit unions, college sororities, or just having a certain credit card. Call your service center and ask them for a list of organization affiliations.
  
• DO YOUR RESEARCH!
  - You need to do your research to get cheap insurance, without it, you'll be a monkey paying out loads more than what you actually need to.
  
• Pass plus!
  - Pass plus will save you around 10% on your car insurance. Approx around £180. Thats good! Think how many Habboxforum donator status you can buy with that!

I've done alot of research and found a great insurance company. I recommend I-kube. Its 40% cheap than most insurance companies. JUST ONE CATCH! You cant drive between 11pm and 5am! and if your like me in thinking they will never catch me i'm just too cool! They stick a tracking device in your car! Muwha! But great stuff because you can see where your car is online! So if it get's nicked, your in! But if you do drive between 11pm and 5am. You get a £45 fine. I dont see that as a big fee when you're saving about a thousand pound!

COMPANY URL - http://www.i-kube.co.uk/


Enjoy and i hope you have learnt something! If you got any questions, post them or feel free to PM me!

[United-Clowgon]

Some ok advice. Though i wouldn't have a sex change to get cheaper car insurance! It's a shame with the 11pm time with i-kube as when i pass I'll be doing a lot of driving, possibly late at night.

[Stryderman]

Thats really good however.

Pass+ only saved my mates about 180£ and they paid about 150£ to do it, Imo the 3 hours driving on motorways or whatever it is isnt worth it to save 30£

[Bewilcorp]

The pass plus scheme was not originally founded to make your insurance cheaper. It was made to make the roads safer and make you more confident. But insurance companies use the pass+ scheme to give a discount.

[danzooo]

Good guide! Sex change is a tad outrageous though tbh.

And that Quinn direct is ridiculous! They quoted me around £700 a year as a provisional licence holder on my car but it would go up to nearly £3,500 when I passed my test! My car isn't even worth that! :rude:

[Frodo13.]

I'm with Quinn Direct, and I pay about £1300, would be less but I have to pay it monthly. Just done my Pass Plus so hopefully it will go down abit once I get the certificate through.

[scottish]

I'm with Quinn Direct aswell and pay £2,700 a year, according to go compare/comparethemarket it was cheapest so meh

[Smits]

my mates just got quoted at 636 quid.

Reason? He has a classic mini cooper, 20 years old and got it through a mini cooper group, with a company specialising in classic cars.

[Bewilcorp]

^^ What insurance provider?

[Smits]

Cant remember but i'll find out off him.

It was cheap anyway but through the mini club it was even cheaper.

Also means he doesnt get taxed cause its too old.