5 ways to get CHEAP Car Insurance (with real examples)
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- čas přidán 27. 07. 2024
- If you're tired of spending a ton of money on car insurance, then this video is a must-watch! We'll dive into all the tips and tricks you need to get those rates down. If you're a new driver, you'll wanna pay close attention. We know how crazy expensive it can be when you're just starting out. And for you driving pros, don't worry, we've got some advanced hacks to help you cut costs too.
We're going through 5 game-changing tips that can seriously drop those rates.
1️⃣ Set Your Start Date Further in the Future - Plan ahead and you could see the dollars dropping.
2️⃣ Choose an Unusual Car - You won't believe how much the type of car can affect your rate!
3️⃣ Add a Named Driver - Adding someone more experienced can help you save.
4️⃣ Rephrase Your Job Title - No lie, a simple wording change could save you big.
5️⃣ Use Incognito Mode - We'll spill the tea on why this matters.
New drivers and old pros, these tips are for everyone. We'll walk you through each point, so don't stress if you're not an insurance guru.
Hit that 'Like' button if you're all about saving money, and don't forget to subscribe for more hot driving tips. Got your own hacks? Drop a comment and let's share the wealth!
00:00 Intro
01:24 Baseline example
01:41 1) Manipulate your start date
02:46 2) Choose an unusual car
06:12 3) Add a named driver
07:03 4) Rephrase your job title
07:50 5) Incognito Mode
08:18 Conclusion - Auta a dopravní prostředky
Insurance prices in the UK genuinely shock me. I live in Czech Republic and when I got my first car (2019 Ford Focus), my insurance was about 1000 EUR/year for Full Comp with zero experience at 23 y.o.. Almost 10k GBP for an old Vauxhall is insane
honestly I was stressed out before watching this video. one of the quote i had went down from £1700 to £1200 only from changing the date. thanks a gazzillion!!!
HUGE! Really happy I helped dude
Im from wolverhampton, am a brand new driver at 21 and have a Citroen Xsara 2004 and it cost me £1500. Couldn't be happier.
Absolutely smashed it. Weird/Different cars are the way.
Really helped me out very useful thank you
you dropped this right when i needed it seriously 😟 thanks Mick !!
Happy to help!
I just applied for my first years insurance on a 2014 Fiesta Ecoboost. I'm 28 and currently living up north, but I was originally due to move to London this month. My friend put in a quote for me a few months ago, for South London, in a relatively nice and quiet residential area I was looking at moving to, and got quoted about £4500
Up in Liverpool, Mum as a named driver, 5000 miles a year (might need to up that...), 21 days in the future, full comp, excess £850 - managed to get it down to £1500, which is honestly about the maximum I would ever want to pay. Imagine saving £400 a month to go towards car insurance on top of the cost of rent, bills, food?????
I picked an excellent time to finally pass my test lol
London's brutal for everything, not just insurance. I recently left lol
Great vid
Choosing an unusual car is a huge one. I've just inusred my first car - an 06 MX5 Mk3 2.0L. Paying around £800. If i were to choose a bog standard fiesta it would be double.
I am 27 though and living up north, so this will have quite an impact on the price but the advice still stands !
i’m looking to buy the same car right now, do you have any other tips on reducing the insurance, i live up north too but unfortunately i’m 18 so insurance companies are not fond of me
Incognito mode doesn't work anymore. What you need to do now, is get some quotes on your computer/tablet using fake details at an address very close by. Once you've found the car that you want, you want to then get on your phone get off the wifi and use you data and get an insurance quote with your real details.
I tried the whole icognito mode not that long ago and after a while, insurance quotes I was getting was more than double what they originally were. Switching to my phone on data instead of wifi gave me the original quotes back.
yeah ur right, it's something to do with with them saving your data, i think you have to use the data off your sim card because i tried onion browser - tor browser , don't make a difference, im getting a car in august or summer so im getting quotes now, can u giv me any other advice too please thanks m8
Beautiful video.
Damn, thanks 👊
5:20 that citroen c4 you said is 1.9k£ so still expensive but it is cheaper than others so thanks havent even passed yet but your vids got me sucked in 😂, if you could do tips for new drivers video that would be great as you appear to have a lot of good knowledge, hope you read this 🎉
omg I needed this video so badly, I was getting quoted like 10k for a 2001 1.2l as a 19 y.o. new driver
Hahaha hope it helps mate :)
Same here and I'm 22y dor a 1.6 9k a year
@@eduardpruteanu6787 do you live in london by any chance? Insurance sucks for us🥲 your address seems to be the main factor, but this vid helped me lower the insurance by a couple thousands pounds.
Still a lot though😭
same wtf
Bro I literally got the exact same thing takes the piss
Great video
Thanks mate 👊
Great vid, was very happy to find a 0.8L Chevrolet Matiz for only £2k with insurance only being £1.1k in my first year, felt like I got let off lightly compared to the eye watering sums my friends had to pay in their first year
could you tell me how old are you
I'm really baffled ATM. I passed my test in mid Jan this year (was 19, now 20), drove an aygo for a month or so paying £130 a month, and then swapped it for a 2003 2.2 petrol bmw. £110 a month with a box.
I'm looking for a more practical car now, diesel. My coworker is selling a 2.0 tdci focus for £500 so can't pass it up, but I'm now being quoted £200 a month. Current provider won't even insure the car due to something with the underwriters. Totally lost 😭
thank you very much mate i will subscribe and like to you
Glad I could help!
Parking car on street as oppose to parkd on drive reduces it too. This is to do with theft - theives know where keys are when parked on a drive.. crazy i know but works haha
As a viewer from Ireland (just across the little sea from you!) I can confirm Ireland has the same problem, and it‘s definitely getting worse too it seems
Thanks sooo much❤ ive been struggling on my own knowing absolute nothin about cars.
What if the additional driver had an accident that wasn't their fault, is it worth adding?
You're welcome!
You can try it - but there's a good chance it'll actually increase your quote.
Another tip I learnt from a colleague is that these sites potentially get a commission or percentage. Many times, calling up to the insurer directly, can get you a cheaper quote!
Since the insurance won't have to pay the site for the referral commission or whatever.
Not a salesman myself but you get the gist
Actually a really nice idea. Issue is, I've tried this in the past and ended up getting the exact same quote after like 20 mins on the phone going through all the details again.
Maybe someone might get lucky
I got a worse quote by going straight to the insurer. It's also arguable that insurance companies try to be more competitive if you go on comparison websites.
@@thefrenchareharlequins2743 Good point! I managed to get a lower price than I had on comparison websites, I guess sometimes works sometimes it doesn't.
One day we won't have to faffle with all this, honestly a nightmare
The 21 start date is insane went from 3.9k to 2.5k.
I am 18 and I passed in october last year. I am having issues getting a quote for lower than 3k
also does anyone recommend buying import cars, either from japan or from here, is the insurance cheaper, i found two import companies with youtube channels but no British people have made videos reviewing them, also i checked toyota japan and vietnam, brand new car is 12 grand, really tempting, but this is all my savings, so i don't wanna get scammed, btw i found a lot of people in south africa have made videos about importing from japan,
any advice is highly appreciated everyone thanks
I passed in october but my insurance in london is still averaging 3k for a 1-1.6L
What’s the insurance website you use
What site do you use for finding quotes? thank you
This was all done on gocompare
I’ve heard instead of putting that you’ll do say 10,000 miles in a year put down 9,985 you’ll be put in a lower category
got my quotes from 10K to 5.5k. NEED MORE TIPS 🙏
I'm currently paying 3.5k for my volvo 940 with a black box for my first year of driving, I just now got a quote for the exact same circumstances 4 months later jusy for the hell of it 14k, how am I supposed to afford the renewal next February
What is the tool he’s using to search these different insurances
aint nothing reasonable about £2700 quit insurance on a piddly little cheap car. but meh what can we do, just pay and play along with a Bs corrupt system
hey bro i crashed my company car it was front bumper damaged on company insurance should I be making a claim on my personal insurance or keep it quiet? its going to go up by alot i think if i do but my company covers the cost of damage/repairs
If your company has insurance I don't see any reason why you would make your own claim a second time?
As for the future, I believe you will need to say yes to the question about ''have you made a claim in the last 5 years'' when you renew - but what you do about that is up to you.
@@MickDrivesCars does that increase your insurance more like should I lie about it and keep it quiet or what
When I was shopping for my first car last year, I was getting insurance quotes on everything I looked at, set a month in advance in case that was the earliest I could acquire it. I ended up only paying £450 for my MX-5 and didn't know why... (besides my age, 32), but now I can see it was because I was setting them up to start well in advance - the first tip you listed here.
Maybe an additional point to add to that first tip... if you get a quote, it will remain valid for a timed period, I think a month or so. So just keep shooting out quote requests and the best-priced ones will still be valid by the time you sign it up.
Any car recommendations for 17 years old ,i get a quote 8k for 1.2L
Toyota Aygo as per the video
Maybe something weird like a 0.9 fiat 500/panda
2:35
Setting the start sate to the first sunday after 21 days will leave me driving around with no car insurance for 7 days
How does this make sense please?
Sounds like you left it too late mate
hello mate ...how many times i can do qoute ???if i done one last week and i got a good price but i put wrong start date ...can i do another qoute ?? or price this time will be difrend??? the question is how many times i can do qoute online ??
As many times as you like mate. But if today's date is closer to the start date than before it will affect the price.
@@MickDrivesCars thanks
Go to edit quote, change it that way. Making a new quote usualy shares cookies and makes it go up, but editing the same one doesn't.
Me watching this with an BMW E46 as a first car 😭
im get quoted 56000 on a 1.4 volks polo
That means we don’t want to insure you. Nobody is paying THAT
Tbf anything under £1000 for a young person is good 😂
first insurance, 20 years old, modified s2000, 400£
@@slava0309 Impressively low for an s2000 at 20 years old
thanks mick somehow got it down from £9k to £3K 😭😭😭😭😭
That's actually amazing!
Imagine in a few years when you've got a £900 quote, use this to get it to £300. Massive win.
Just got quoted 9k in Birmingham on a nissan cube 2010 😢
Well it's Birmingham be realistic you guys got all the so called certi in trees every week boys doing laps on lady pool Rd. Also you guys have lots of nice cars imagine you call your insurance saying you hit a brand new 2023 porsche they won't be too happy!
@DarkReaper-or9el actually we have issues with uninsured drivers and little school kids driving around in fast GTI's with next to no police presence. I've opted to sell my car and bus it to work now :(
lol I’ve been quoted 7 grand
I got 9 grand yesterday 😠
Mate I got quoted 50k for a cupra 😂
Based on your typical fast VAG hatchback driver i'd say that's a bargain.
Your better of paying the fines driving without insurance
Over £500 insurance is a rip off for an older car whatever lame excuse they come up with.
Ok just firstly
I have 2 years NCD
I was involved in an accident last month that was 100% not my fault and brought zero dispute with it (parked in traffic with handbrake on. Van from behind hits me at speed and shunts me into the next car)
The van man’s insurers have given me £1600 for repairs and I get to keep my vehicle
Now my insurance is coming up to renewal and simply TELLING them of this incident seems to put my quote up around 30%
WTF !???????
This is INSANE!!!