Is this car insurance quote reasonable/ competitive?

babbar sher

Hi folks, I know this has been debated over a few times but I was just wondering what you guys thought of this car insurance quote I got, is it too expensive, could I get a cheaper one?

Male
22 y.o.
Prov. License, no prior driving experience in Ireland
BMW 316i e36, 1596cc, 1997, Purch Pr. 1950e
Residence & car use in Dublin, car parked on public road
Cover is fully comprehensive with audio equipment, third party, injury, windscreen etc etc.
Excess of 443e on the policy

€1,275 upfront, or
€388 upfront and 106x9 installments = €1,342

This is the quote I received from Britton Insurances. I personally think its competitive but was wondering what the general public thought and if anyone could guide me in getting even cheaper insurance. Something which is quite shocking is that I got the same quote & cover with the same company but for a ford fiesta 1.4, worth a 1000e? I was expecting atleast a couple of hundred to go up when applying for a quote on a BMW 1.6l. But they came saying the exact quote given to me for the fiesta still stands.

VW 1

Engine size doesn't really appear to have an effect on the price of the quote nor does the value of the car within reason, in my experience anyway unless it is a car which is loaded for another reason eg a honda civic because of the sterotype placed upon it as a boy racer car.

Personally I think that is a very competitive quote, I myself am insured with Britton, I'm 21 with 3 years NCB and a full licence for 2 years with 2 points, and my insurance was 1400 euro in February on an 08 1.4 Golf TSI. Previously I have found Quinn to be the cheapest insurer but after much shopping around Quinn had become one of the more expensive and Britton was the cheapest by a stretch.

Hope this helps.

MagicMarker

Price on insurance = good

Price on car = bad

babbar sher

magicmarker, do you think 1950 is not the right price for a '97 316i? I think the same, this is the asking price, I haven't haggled yet, but I wouldn't be interested in paying anymore than 12 or 1,300 for the car.

Thanks for your opinions.

dlambirl

That seems a competitive price.

Price on the car doesnt look right though

Given their annoying ad I hate to say it, but 123.ie are good for very competitve quotes

babbar sher

How low do you think I could go down to in regards to the purchase price of this one -

http://www.carzone.ie/search/BMW/3-Series/316-I-(N/201012197383287/advert?channel=CARS

RoadKillTs

Given their annoying ad I hate to say it, but 123.ie are good for very competitve quotes

I went with them this year. Their quotes are very good.

Toots

Moved from Banking, Insurance & Pensions.

Our man in Havana

bluewolf wrote: »

Given their annoying ad I hate to say it, but 123.ie are good for very competitve quotes

RoadKillTs wrote: »

I went with them this year. Their quotes are very good.

Their quotes are good sure, but when you need to claim they are terrible to deal with.

tfitzgerald

dont know about the price of the car but i got a great price from aviva this year

Anan1

babbar sher wrote: »

Hi folks, I know this has been debated over a few times but I was just wondering what you guys thought of this car insurance quote I got, is it too expensive, could I get a cheaper one?

Flattered as i'm sure we all are at your confidence in our crystal ball-gazing abilities, don't you think it would be more productive to shop around? Get out the Golden Pages, ring everyone.:)

Our man in Havana

I think under the circumstances you would be hard pressed to beat that quote.

Will Quinns even quote on those details?

djimi

To be fair €1275 for a 22yo on a provisional license, no experience, and driving a 1.6 316i is a quite incredible quote. I can tell you with almost certainty you wont beat that quote.

bmstuff

I am paying 900ish something for a 1998 540i, 4.4L for a "mature" driver. Read over 30 with 5+ years no claim.
Which is not the best price around but I am paying for a few extras.
So yeah I this quote sound pretty damn good to me, especially knowing you are only 22.

I knew a guy back in 2004 he had to pay 4000 euro for a e36 316i, he was in his early 20ties..

jaffa20

That's a very competitive quote. I was paying around 1,300 for only tpft when i was 22 on a 97polo:(

Del2005

babbar sher wrote: »

Hi folks, I know this has been debated over a few times but I was just wondering what you guys thought of this car insurance quote I got, is it too expensive, could I get a cheaper one?

Male
22 y.o.
Prov. License, no prior driving experience in Ireland
BMW 316i e36, 1596cc, 1997, Purch Pr. 1950e
Residence & car use in Dublin, car parked on public road
Cover is fully comprehensive with audio equipment, third party, injury, windscreen etc etc.
Excess of 443e on the policy

€1,275 upfront, or
€388 upfront and 106x9 installments = €1,342

This is the quote I received from Britton Insurances. I personally think its competitive but was wondering what the general public thought and if anyone could guide me in getting even cheaper insurance. Something which is quite shocking is that I got the same quote & cover with the same company but for a ford fiesta 1.4, worth a 1000e? I was expecting atleast a couple of hundred to go up when applying for a quote on a BMW 1.6l. But they came saying the exact quote given to me for the fiesta still stands.

Try putting the value as €3000, price may drop a bit.