Car Insurance Qoutes

Frequently Asked Questions

1. QUESTION:
   What is the best cheap car insurance qoutes in the uk!!?
   pleas help!!

   • ANSWER:
     AA

2. QUESTION:
   Why Am I getting rediculous car insurance qoutes?
   K so im hypothetically searching for car insurance for when i have passed my test.
   Im getting annual premiums of £12,000 to £20,000 a year for small cars such as peugeot 206 1.1 & renault clio 1.2's and vauxhall corsa's 1.2.
   Fair do's im 18 and i know its stereotypically more expensive at that age and for boys, but why would any company expect a teenager to have that money?

   There must be something im doing wrong, how should i fill it out to get accurate qoutes.

   Im 18, going to uni next year so full time education.
   ive had a provisional license for about a year and a half, but when i search on comparison sites i select full UK driving license (under 1 year 1 month) because i will have passed my test when im to begin driving.
   i havnt driven before or had no convictions, the car is small. etc blah blah all fine
   I understand that, but half my friends dont even come close to paying a third of the qoutes im getting

   • ANSWER:

3. QUESTION:
   Is it cheaper to get on your parent's car insurance or have your own separate claim?
   I will be purchasing car insurance really soon and comparing qoutes of different companies and want to know which is best

   • ANSWER:
     Under your parents insurance you will pay about 1/2 of what it will cost you to insure on your own... that is assuming you are under 25 years old and living at home. Your insurance agent will/should tell you that also.

4. QUESTION:
   How much is car insurance for a 16 year old living in southern Cali?
   Lets say he has good grades. Lets also say the parents of this child have great credit scores. I cant get online qoutes because he is not over 18. Any estimates? Anthing would help. Thank you.
   @Entidtil well you are not the nicest, sir. Good day

   • ANSWER:
     Lets say that you must call insurance companies for quotes. lets say that no one here has the foggiest idea of what your insurance may cost you.

5. QUESTION:
   Where can i get cheap car insurance?
   iv found a car ita a puegout 206 n its 2002, 50000 miles n its a 1.1. i expected the insurance to be cheap but everywhere i look i keep getting insurance quotes which are around 2000 quid im like what the hell!!! so does anyone know anywhere tht gives gd qoutes???

   • ANSWER:
     Keep on looking. It might be due to you asking for the wrong policy as well. If you want cheap just ask for the least that's legal.

6. QUESTION:
   Why is my car insurance for my 1st car, £2500 and my friends insurance is only £1500 for his 1st car??
   Why is my car insurance for my 1st car, £2500 and my friends insurance is only £1500 for his 1st car??

   This is confusing me, both our annual milage is estimated to be 5000 miles, they are both in group one insurance groupes, they are both a 1.1L etc, everything is the same apart from the make of the vehicles. I have treid other vehicle qoutes, but yet my insurance qoute is still £2500, and my friend qoutes is only £1500.

   • ANSWER:
     either the make and model of your car makes the quote higher or if you live in different areas.
     Or try using his insurance company.

7. QUESTION:
   im 18 year old male looking for cheap car insurance in UK?
   just got the car and license. 1.2 ford fiesta 2004

   price is the only factor for me as i will make no claims for the first year in any situation.

   the best so far is aviva.

   i have been reccomended several insurers who have given me ridicolous qoutes.. tesco..aa..elephant..all the pass plus ones

   and i am asking yot to tell me whos suit me!

   thanks

   • ANSWER:
     There is no straight answer to this question... everyone of us is different! Just get onto an insurance site, enter your info and the car (it is enough to enter the year, make and model), see what pricing you get.. You can opt out just for minimum liability coverage, no collision or comprehensive, that is if you are willing to forgo the money you invested in the car if you total it and don't care if you are sued in case of serious accident.

8. QUESTION:
   Drink driving & car insurance?
   Does anyone know of any car insurance dealers that are kind(er) to drink drivers?

   All my qoutes are high and I just don't have the money to be forking out on car insurance. I have just bought my first flat and have a baby on the way...I wish they could see that circumstances have changed!!!

   • ANSWER:
     Unfortunately, ALL insurers will consider you high risk and will charge you a hell of a lot more.
     Theres no way around it I'm afraid, just hunt around for the cheapest. Its possible you could pay monthly.
     I would recomend you phone up companies rather then searching the net because they can tailor the insurance to you better.
     Basically, you have to prove over a period of time that you are now a trustworthy driver, just like new drivers have to. It takes time but the prices will come down.

9. QUESTION:
   Getting Insurance qoutes?
   I am 16 just got my license. My parents have collision with progressive. And pay 1 a month (both parents included). To add me to their policy, progressive wants an additional 0 a month. Is it possible to only insure me with liability insurance on a different policy with a different company on the same car???

   • ANSWER:
     yep you can have 10 people on ten insurers all driving the same car.
     Just do some legwork and find a cheaper insurer.

10. QUESTION:
    Free car insurance quotes?
    are these qoutes accurate or could the price they give you actually be lower then what the free quote says?

    • ANSWER:
      The quotes are an estimate at best, and based on information you give. I'd suggest that instead of looking at a web page, find an independent agent, give him your information, let him run it, and find you the best deal in his data base. The side benefit is you have a person to talk to if needed instead of an 800 number.

11. QUESTION:
    get online private taxi insurance qoute ?
    Just wondering if i can get online taxi insurance qoutes like i did when i was just insuraing my car for personal use on compare the market and the likes ?
    im in uk looking for the insurance

    • ANSWER:
      Nope. You can't buy business insurance online - including taxi insurance. Most companies won't want to cover it, either, so you have to find an agent who can find a company who will give you a quote. It's going to cost WAY more than your personal car insurance, too, just to prepare you.

12. QUESTION:
    has anyone ever used einsurance.com( health or car insurances)?
    i'm looking into different ways of buying insurance for my family and car. (any way to save money) i keep seeing these einsurances commericals and i'm just wondering if it is everything its cracked up to be. i have been on site and seen a lot of 2 good 2b true qoutes.

    • ANSWER:
      never used them, and never heard of them.
      You might want to check with your state's insurance department to see if who you choose to go with are licensed to do business.
      There's a few innsurers here http://finance.ebookorama.com/ukusa-selected-resources.php
      http://gsx1.com/Car-Insurance/100.php
      who will bundle home and car insurance, it's free to get quoted so don't be afraid to shop around a lot before you choose who you go with.

13. QUESTION:
    What company offers the cheapest auto insurace?
    Help!!!I My car insurance is 2.00 a month! My husband has gotten 3 speeding tickets within the past year and our car insurance has sky rocketed. We currently have Geico Insurance and I have gotten a few more qoutes from different companies but nothing has been cheaper. Besides the obvious advise (SLOW DOWN), does anyone know what we can do to lower our monthly premium?

    • ANSWER:
      My best advice is try calling some local companies.. i have found that they tend to understand the traffic problems around your area and may fo easier on prices. The yellow pages in the back of the phone book is the best place to start. ..Plus its great to help out small business... right?.. (thats not a question..its rhetorical) I hope that helps.

14. QUESTION:
    When an insurance company gives you a quote is that for 1 month or 6 months?
    Ive been looking for good insurance company because ill be getting my first car next month. its a white 2007 Deluxe Mustang, and of my age (18) my family is saying that my rates will be high. well i looking up qoutes and i got a few 8 4 8 and i was wondering it the quote for one month or 6. i looked at progressive, esurance, gieco, Ais etc.

    • ANSWER:
      You will have to ask but at your age and for a Mustang, I'm betting they are monthly rates.

15. QUESTION:
    What's the best insurance policy for a new driver?
    I'm about to get my licsence, and buy my car but basically I wanted to save up all my money so that I can buy my car and hopefully pay off my 6-month policy becuase I like paying things off as a whole, I hate owing people money so basically i was wondering if any Southen Floridians out there or any1 really knew of an good insurance policies I can lookinto, so far I've done qoutes and my lowest was a 1,600 policy, is that high low just right? Ofcourse this all would be avoided if my mom would just let me get on hers but theres no hope in that...sigh*

    • ANSWER:
      Car insurance is nothing but a blatant ripoff. Did you know they get their rates by guide books and statistics? (I know someone who works for State Farm). It's all a scam and of course it is regulated by the government. Being a woman will get you a lower rate. Being a student with good grades will help you. Do you know you pay for uninsured drivers? Did you know that married people get lower rates than single and that your credit report also plays a part? I would really look around before deciding who to go with.

      My insurance went up 47% when I moved from a busy residential area 12 miles from work to one 8 miles further. Then I moved to only 4.5 miles from work and into a quiet, low crime, residential area and my rate dropped only 4%. No accidents or driving offenses occured during this time. BTW, I'm a 37yo single male. That goes against me!

      If you have a car that is paid for it will significantly lower your rates as you will only need minimum coverage.

      I wonder what insurance agents pay. I bet they have a loophole that gets them around that!

16. QUESTION:
    how can I convince insurers that I'm low risk?
    I'm under 25, haven't had my drivers licence for long and started working at the beginning of this year. The vehicle insurance qoutes that I get are almost double the instalment of the car. Is there a way that you can convince your insurer that you are low risk?

    I don't necesarily drink or smoke, if that ever does count.

    • ANSWER:
      The above answers are certainly true, but you should check with your insurance agent because your insurer may have an age limit themselves in terms of when the rates change. My rates were a certain cost until I reached age 26 for a woman and not till my husband turned 28. Some insurance companies have lower cut-off ages, so it's best to ask them if you feel like shopping around for new insurance. It also sometimes depends on what kind of car you drive in terms of safety features (alarm system, ALBs, automatic seat belts).

      Some car insurance places have started basing their rates on their client's credit histories, so if you feel you have a low credit score of not so stellar history of bill payments, trying to decrease your debts and keeping up with bill paying may make a slight difference.

      The best way to save money on insurance is to keep your eyes peeled for deals by shopping around, and to keep in touch with your agent regularly to inquirer about new discounts you could qualify for (like have they started a safe driving discount? sometimes agents won't apply these to your policies right away, you need to give them a little nudge to rerun your numbers.)

      Oh, that and not living in New Jersey. Rates here are just astronomical no matter what you do.

17. QUESTION:
    A lady failed to giveway and T-boned me , I have no insurance but its 100% her fault.?
    She claims she has 3rd party, but refuses to admit that its her fault. she insist that I came out of nowhere and I hit her, mind you I was travelling on the main road and she came out of a side street and went through a giveway sign. When she T-B'd me she made my car run head on into a 40km sign pole and straight through a ladies fence. I have photos and the damage on my passenger side door clearly shows where she hit me. I also have witnesses , but the lady already told her insurance company it was my fault, and she refuses to give me her insurance details. My car is bad looks written-off but not sure yet coz nobody wants to come and do qoutes. My problem is my insurance expired, but its 100% her fault. I have witnesses and photos. Is there anyway for me to get my car fixed through her insurance? I live in Melbourne, so anyone with insurance knowledge or has experience in this matter your help would be greatly appreciated.

    • ANSWER:
      NOTE TO AMERICANS - PROPERTY DAMAGE INSURANCE ON YOUR VEHICLE IS NOT COMPULSORY IN AUSTRALIA - ONLY INJURY INSURANCE.

      there, got that out of the way.

      so, she's pulled out in front of oncoming traffic? what is she relying on to hold up her argument that she is not at fault???

      bummer that your car isn't insured. you could then let your insurer sort this out with her and take her to court if she refuses to pay or lodge a claim.

      if you haven't already lodged a police report, you'll probably need to do so.

      keep hassling her to lodge a claim with her insurer. i'd also point out to her, that she PAYS for her insurance, so why doesn't she just let them know and you can deal with them instead of hassling her. i'd also tell her that if she thinks she is not at fault and her insurer agrees with her, then you won't be able to claim from her or her insurer. this might give her some false confidence that her insurer will stand up for her. in my mind, you are absolutely right, she is 100% at fault.

      you will NOT be able to ring and claim on her insurance, unless she actually lodges a claim first. thats part of the privacy act legislation.

      i highly doubt that she's bothered to speak to her insurer yet either. sounds like she's just saying that to tell you get you to go away.

      if not, you may need to get a writ issued against her for your damages amount and go through the courts. this is the long and expensive way though - BUT i'd let her know that she'd ultimately be responsible for all the legal costs if the court fines in your favour.

18. QUESTION:
    good cheap car insureance?
    need help wiht insurance for my car

    my car is a little ford fiesta 1.3 cheap 2 insure i no but i have 6 points

    so im gettign qoutes of artound 4000pound to insure my fiesta

    and im jsut wodneriing there must insuracne companys out there hu specialize in this field if no any can u let me me cheeers

    • ANSWER:
      I always use confused.com to get quotes. My car was stolen and was doubling my quotes when I got a new car.

      I always manage to find a reasonable quote with them.

19. QUESTION:
    SVT Cobra 03 Insurance?
    My father has a Mustang Cobra 03. Since I have a permit now, the cobra is all mine. I am wondering how much will I have to pay for insurance? I am sixteen years old (sirousely) .Male. No Violations. "A" student. No modifications to the car. Only driving it to school and work. I tried getting qoutes online but they are not availeble for my age. Please give me an Estimate. Help. Plz.

    • ANSWER:
      A way lot. The cobra ISN'T yours until the title is in your name.

      You will need to retitle the car, before you can get insurance in your name. You ALSO need to list a licensed operator to drive the car - that's the real holdup.

      It's going to depend WILDLY on where you live - Iowa, or New Jersey?

      EXPECT this to cost you ,000 to ,000 a year.

20. QUESTION:
    First Time Insurance?
    Does anyone have any suggestions of companys for Insurance for a first time driver, i dont expect it to be too cheap but most qoutes ive had are Horrendous. also, cars that would be low on insurance would be great, cheers!

    • ANSWER:
      Progressive, Dairyland, State Farm. What do your parents use? You may have luck with their company because you have already established your level of risk with them.

21. QUESTION:
    im uninsured and a woman that is uninsured ran up the back of me its been a month now what should i do?
    i was driving home after dropping a work mate off after work. it was raining so i was taking it easy. a car was tailgating me (morons should know leave extra braking distance in the wet. and you won't get any where faster tailgating) i cum up a hill and traffic was at a holt i had plenty of time to stop but i knew the car behind didn't and because i was on a single lane road i pulled into the oncoming traffics turning lane put my foot on the brake as hard as i could hoping but knowing because i pulled out the car had space to stop but decided to hit me. i felt this big bang and her car was pushing mine and my car was making sounds of grinding metal, sounds never heard before she has no insurance and i don't i said to her because i need a car for work she can pay half my cars billand she said i think you have been drinking. i wasnt cops breath tested me on the seen said i was in the right and i have a witness statement but its been a month and i have been geting qoutes and stuff but i just cant afford it qoutes 0 a pop my car is got 10 grand damage just in panels not including mechanical costs. what should i do? should i get a lawyer? or ring her? so stressful and im a brickie so i start at 6am and working in different places so public transport is hard and i just couldnt afford insurance but now no matter what im getn insurance

    • ANSWER:

22. QUESTION:
    will this hold up in court?
    about a year ago my father owned the car that is now mine. While at a mans house doing some repair work the man backed into the car while parked and put a huge dint in the car. The car has since been signed over to me. We have tried and tried to get this man to report this to his insurance company and give us the money that is rightfully ours. We have given him several qoutes to repair the vehical. He is looking at about 1,300$ to fix it. He refuses to answer our calls, or call us back. When we do get him on the phone he says its been to long.. i am not paying. Or other bs excuses. I have been told to file a civil suit against him. Will it hold up in court having been so long ago, and having been switched to another persons name since the accident.

    • ANSWER:
      If this happened less than a year ago, the statute of limitation has certainly not passed.

      You should have reported the collision to your own insurer and to the police. (Your insurer might not have covered it, but they would have assisted you and told you what to do.) Report it to the police and file a small claims court summons. If you do not have the name of the owener and/or driver, the police and DMV will help you.

      If the owner/driver or his insurer doesn't pay his driving license may be suspended.

      Everything depends on the law in your jurisdiction.