Where can students get cheap car insurance from people who don't automatically make you out to be boy racers?
Answers:
Try this.1.Type all your details in to ins company, get a quote.2.Type self same details in again using different name (friend or whatever )the quote will change by 100s of pounds!How this is, i dont know.Try it!
lol good luck. i am 22 and i still pay 860 USD$ for six months of insurance.
It depends where you are from.
In the uk www.admiral.co.uk is the best for students & people with no claims bonus.
But remember you get what you pay for.
Unfortunately, thats not likely to happen becuase of statistics.
Shop around, take the driving and defensive driving coures, make good grades. Thats your best bets
www.confused.com or what about Norwich union they are doing an insurance policy were you only pay for the miles you do, and if you don't take the car out between 11pm and 6am it is supposed to work out cheaper.
You best option would be to take out of the policy as much as possible and then have your deductable be as high as possible. you rate will be lower, and will make sure you watch how you drive because if you screw up your going to pay for it.
I've been paying a lot for insurance since I've been driving, and it's hard to find decent cheap insurance. A major part of how you pay is based on what you drive, but most people don't choose their car because the insurance is cheap on it. I've used a place called the Auto Insurance Network, they have been good in finding me the best deal. Right now I'm with Progressive and the prices are what they've always been for me(about $130 a month and I can pay online). Anything short of cutting your manhood off and getting registered as a woman is going to make your insurance cheaper.
Good Luck
You are leaving out a lot of info. The term "boy racer" makes me think you're driving a vehicle that fits the profile.is your car-----. A lowered Honda Civic/ Acura Integra with a body kit and lots of customizations? Insurance co's aren't looking to profile you, but your age and the type of car you want to insure along with of course your driving record all come into play. Do you have any traffic violations in your racermobile? I'm kidding (sort of), with the stereotypes but I think you can gather what I'm saying.
If your under 25 you automatically pay a higher premium because of the experience factor. IF possible be an occassional driver on a parents policy for most of that time. If you cant, get an older car with basic coverage and drive safe.
Every state has different rules and every company has different rates. Get a newspaper from a nearby college campus and you should find a few agents/companies advertising to young people in your area. Get at least 3 quotes because rates vary a LOT!
In California there is a program where lower income people can buy insurance for around $350/YEAR with only15% down.
Here is the www.insurance.ca.gov website:
http://www.insurance.ca.gov/0100-consume.
Companies change their rating structure constantly so check prices at least once per year. I'm older, but I've changed car insurance companies every 4 - 5 years because the rates were hundreds lower.
My last 4 companies and experiences in Los Angeles Area (Note: rates and experiences will differ):
-American Automobile Club (current), About the same cost as Mercury, but Mercury would not insure my new house, and AAA would, so I switched a year ago.
-Mercury Insurance ($600 less than 21st century, little web service available but good phone service, good claims service, with them for 5 years)
-21st Century (almost $1000/yr cheaper than Farmers, fantastic web site, with them for 4 years. no claims.)
-Farmers (great claims service, pricy, with for 5 years)
It's not that they are making YOU out to be boy racers, it's statistics. People your age and gender tend to be high risk, so you pay.
I work for a major insurance company. There's a lot of factors the insurance companies looks at when it comes to determining insurance rates. Some examples are.
1. your age and gender (younger people get the worst rates because they're the ones who gets into the most accidents statistically speaking.
2. if you have any tickets or citation on your driver's license
3. your credit history-a lot of insurance companies now check your credit history.
4. the type of vehicle you have and the color. If you have a car with safety features like side airbags, alarm systems, etc. they will give you a discount)
5. believe it or not, the place, meaning, the town or city you live can also affect your insurance rates. if you live in a bad area that's also populated and has high crime rates, it will increase your insurance rates.
6. you also have to think about the type of coverages you want to have. For example, the higher your deductible is for your collision or comprehensive, etc, the lower your rates will be. But, if you have an accident, let's say a collision accident and you have a $1,000 deductible. The damage was estimated for $3000, you would have to pay the shop $1000 out of pocket and the insurance companies pay for $2000.
7. insurance companies also knows if you've had any previous accidents. they can check who you've been insured with in the past and find out if you've had any previous claims and if you were at fault or not at fault for the accident.
These are just some examples of what insurance companies look for to determine if you're a high risk driver and determine your rates. The best thing to do is check out this website.
http://www.insweb.com/
It's the best one. All you have to do is register and put your info. It will give you a list of insurance companies that they found that will give you the cheapest rates and the price. This is a secure website so you don't have to worry.
There is no insurance company which doesn't view young male drivers that way. Really it's not the racing, but the fact that the numbers prove you are more accident prone.
Try money market.com. Tried it yesterday got insurance down from over £1000 to £550. for a friend. First car, no no claims and just passed test. Based on a 1.4 renault clio.
Direct choice was the broker.
In the UK you need to speak to an insurance broker who specialises in Cheap Young Driver Car Insurance.
The Broker Portal will do all of this work for you saving you time as well as money. Their quotation request service arranges for the most appropriate insurance broker to make contact with you and discuss your requirements.
If you would prefer to do all of the work yourself they also list the top 5 online Young Driver Car insurance brokers and companies.
You might try getting a quote online. I shopped around & they were able to offer me the lowest price by far. Go to: http://www.insureme.com/landing.aspx?ref.
Young drivers will probably be better off going direct to an insurance company.
CIS (Co-op) are good and under used
Tesco's are always cheap
May be worth going to a broker but they generally cater for people with specific makes, values etc.
call 1-800-safeauto. they're the best that i know of and they will insure anyone.
Even better than admiral - got to bell.co.uk - they are owned byt he same company but it makes no difference if you are aged 18 -25 they speacialise in young drivers.
If your driving a car that is nifty - have a look at adrianflux.co.uk
some collidges have union they often do it abit cheaper for students
Depends on age, car, vicinity, state, and a lot of other factors. I recommend an older larger car, no sports type vehicles, no violations, take extra driver safety training, demonstrate good responsibility and safety in all other areas. Get quotes directly from the companies and not from the multi agents.
The answers post by the user, for information only, UKQnA.com does not guarantee the right.