you're getting ripped off im 18 (almost 19) but got quoted around 6k on a 14 plate merc
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you're getting ripped off im 18 (almost 19) but got quoted around 6k on a 14 plate merc
Hey mate,
so the insurance company gives you a quote based on the risk levels of your age group, experience, previous history, sex and all those sorts of things.
The fact that you've JUST gotten your license basically defines you as risky (by insurance companies). Now, I'm not saying you're a bad driver or anything you might not have an accident in a whole year but a person with 35 years of driving experience might have 2 accidents in that year. The bottom line is that people with less experience are more riskier.
The fact that the car is a 1.6L or what ever is the last reason why it should be costing at 6k/year. Over here, I've put my mum's name as the main driver. Now basically, when I have an accident (hope it doesn't happen rofl) my name is not going to be in the contract therefore my excess will go from $450 to $1250 and that's perfectly fine if you calculate it in the long run. I've had no accidents since I started driving (4 years ago).
(I've got a 2014 Mazda 3 and the premium is at $600AUD/year and the excess is around $450, my mum's car cost about 3 times more than mine and her premium is only about $1200/year).
Tl;dr: Your engine size is the least significant reason to why the price is so high, find a family member that you can put their name in the contract (preferably with no bad insurance history and also many years of driving experience). Good luck.
What VW? If a insurance provider thinks the cars related to 'boy racing', eg polo or gold hatchbacks, the insurance tends to be quite expensive. Have you tried looking at a 1.2 SXI or 1.2 Comfort Corsa? Ford KAs are pretty cheap but I think it's because it only has 4 seats.
Other things that affect the price are where you live (rural or urban areas), if it's parked on a drive over night, using it for work, if you're unemployed it increases. Say if you're an electrical engineer you can change your role to an electrician and it might be cheaper or more expensive, but try and keep it a long the lines of your actual job role. Like if you're an architect and you set your job role to a baker it's insurance fronting and can be cancelled immediately and it can be a pain to get insurance from another provider. Have you added a parent to your insurance too? You can save £100-£200 by setting the start date of the insurance for 2 weeks later rather than tomorrow or today.
It has very little to do with your car so much as your experience. I wouldn't think you're any better of a driver because you drive a small engine car. You're just as liable to run over poor little old ladies.
I pay $250 a month on a >3l v6
fun is costly. should have imported a mustang or something
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