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Car insurance cheaper with newer car?

  • 18-08-2015 11:48pm
    #1
    AprilPhilips
    Closed Accounts Posts: 49 ✭


    My car insurance quote has gone up over 100 euro since last year. No points/claims/prosecutions etc. Online I can get 40 cheaper from a different company. But should it not be coming down with no claims and more years?

    But i wondered is the age of the car a feature? It is a 2001. If I change car would I get cheaper insurance.? My insurers said i got the best quote possible as i have the top rate of ncb


Comments

  • #2
    Stheno
    Moderators, Business & Finance Moderators, Science, Health & Environment Moderators, Society & Culture Moderators Posts: 51,690 Mod ✭✭✭✭Stheno


    Yeah probably, my OH bought an 04 car same engine as his 00 last week.

    His insurance went down by almost 9% over the phone.

    Age is definitely a factor these days.


  • #3
    Atlantic Dawn
    Registered Users, Registered Users 2 Posts: 84,733 ✭✭✭✭Atlantic Dawn
    M


    If it's a non immoblilizer import if will go off the scale.


  • #4
    Eoin
    Registered Users, Registered Users 2 Posts: 21,263 ✭✭✭✭Eoin


    AprilPhilips wrote: »
    My car insurance quote has gone up over 100 euro since last year. No points/claims/prosecutions etc. Online I can get 40 cheaper from a different company. But should it not be coming down with no claims and more years?

    But i wondered is the age of the car a feature? It is a 2001. If I change car would I get cheaper insurance.? My insurers said i got the best quote possible as i have the top rate of ncb

    As you can see from this thread, insurance is on the increase, pretty much across the board.

    If you play around with the online quote websites, you can see if getting a newer car would make a difference - but it sounds like a very expensive way to save very little money!


  • #5
    pablo128
    Closed Accounts Posts: 6,219 ✭✭✭pablo128


    AprilPhilips wrote: »
    My car insurance quote has gone up over 100 euro since last year. No points/claims/prosecutions etc. Online I can get 40 cheaper from a different company. But should it not be coming down with no claims and more years?

    But i wondered is the age of the car a feature? It is a 2001. If I change car would I get cheaper insurance.? My insurers said i got the best quote possible as i have the top rate of ncb

    Always tell them the car is worth 3k or more, even if it's worth little or nothing. It makes a difference.


  • #6
    AprilPhilips
    Closed Accounts Posts: 49 ✭AprilPhilips


    pablo128 wrote: »
    Always tell them the car is worth 3k or more, even if it's worth little or nothing. It makes a difference.
    is that not lying if it is not worth that and would it affect claim


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  • #7
    AprilPhilips
    Closed Accounts Posts: 49 ✭AprilPhilips


    Eoin wrote: »
    As you can see from [have to remove url], insurance is on the increase, pretty much across the board.

    If you play around with the online quote websites, you can see if getting a newer car would make a difference - but it sounds like a very expensive way to save very little money!

    "insurance is on the increase, pretty much across the board." realise that now


  • #8
    lollsangel
    Registered Users, Registered Users 2 Posts: 473 ✭✭lollsangel


    I went from a 2l 2003 petrol Santa fe on tpft to a 2013 2l yeti diesel on comp...insurance refunded 50 odd euro ðŸ˜


  • #9
    blindside88
    Registered Users, Registered Users 2 Posts: 1,968 ✭✭✭blindside88


    pablo128 wrote: »
    Always tell them the car is worth 3k or more, even if it's worth little or nothing. It makes a difference.

    Price doesn't make a difference with most companies once it's below around the 20k mark. The majority of your premium covers the risk of the damage caused by your car not to your car.


  • #10
    thevinylword
    Registered Users, Registered Users 2 Posts: 195 ✭✭thevinylword


    Mine just seems to go up year on year, driving 14 years with no crashes or claims or penalty points. Joke


  • #11
    deathtocaptcha
    Registered Users, Registered Users 2 Posts: 349 ✭✭deathtocaptcha


    AprilPhilips wrote: »
    My car insurance quote has gone up over 100 euro since last year. No points/claims/prosecutions etc. Online I can get 40 cheaper from a different company. But should it not be coming down with no claims and more years?

    But i wondered is the age of the car a feature? It is a 2001. If I change car would I get cheaper insurance.? My insurers said i got the best quote possible as i have the top rate of ncb

    Check for yourself. It takes a few minutes to get quotes with your details + a newer car.

    People simply don't do enough research and investigating and that is why they pay more for their insurance. Simple as that.


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  • #12
    pablo128
    Closed Accounts Posts: 6,219 ✭✭✭pablo128


    AprilPhilips wrote: »
    is that not lying if it is not worth that and would it affect claim

    You will only get what the car is worth anyway. But if you are driving car that's not worth much, try it. It works.


  • #13
    icjzfmq7ewon1t
    Closed Accounts Posts: 336 ✭✭icjzfmq7ewon1t


    OP take the cheaper quote there's nothing out of been loyal to insurance companies. Or maybe go back to your own company and ask them if they'll match the cheaper quote.
    Does your car have a high powered engine or is it an import, even some makes attract higher quotes because they are popular with so called boy racers


  • #14
    C.K Dexter Haven
    Closed Accounts Posts: 9,711 ✭✭✭C.K Dexter Haven


    I phoned FBD recently- they're VERY WELL SCRIPTED- I'll say that again- they're VERY WELL SCRIPTED.

    there's not an objection that they don't have written down, for the agent to call out a response to- i spent many a minute listening to a lot of babble talk about fire engines costs in an accident, to 3rd party insurance to whatever else- still got a discount, but you need to have done your price comparisons before going on the call-
    As De Niro would say- "they're good" ;)


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