Car insurance - tell us your quotes/renewals

flanna01 wrote: »

Who rattled your cage??

Should there not be a regulated price for all the Gangsters? How can the exact same circumstances produce totally different quotes??

Are you really supportive of these hard working Insurance cartels? Do they really work themselves to the bone to get you the very best deal..??
!

Make your mind up. You want all insurers to have the same price for your circumstances then you go on to mention insurance cartels.

Eggs For Dinner wrote: »

Make your mind up. You want all insurers to have the same price for your circumstances then you go on to mention insurance cartels.

That is correct.. And your point is...???

flanna01 wrote: »

That is correct.. And your point is...???

No point, you just confirmed what I was thinking

Eggs For Dinner wrote: »

No point, you just confirmed what I was thinking

For the benefit of the other posters, who may not share your wonderful gift of telepathy, would you mind elaborating on your thinking.....?

Could you possibly make it coherent as well please..

Anyway it's looking like I'll just have to go with smaller make and size of car. Generally getting between 2000/2500 for staying along those lines.

Insurance is reasonable given the circumstances, its actually looking like I'll be paying an arm and a led for the car and a basic one at that. If we go low price wise on car we pay more on the insurance and then nothing is a given with the car itself

flanna01 wrote: »

For the benefit of the other posters, who may not share your wonderful gift of telepathy, would you mind elaborating on your thinking.....?

Could you possibly make it coherent as well please..

If other posters want me to elaborate, I will but I think you're the only one who doesn't see the problem with you advocating that all insurers quote the same price for similar risks while calling the current situation as an insurance cartel.

Eggs For Dinner wrote: »

If other posters want me to elaborate, I will but I think you're the only one who doesn't see the problem with you advocating that all insurers quote the same price for similar risks while calling the current situation as an insurance cartel.

I quite understand the Cartels protocol....

It doesn't make it right, nor does it make it acceptable.

Its the buffoons that don't challenge this racket, who are realistically facilitating it. I choose to call a spade a spade - Or to be more precise, Gangster ridden Cartels

If I was to lay down to these Cowboys, I would be paying nearly double my Quote. I will not, and do not.

You stated earlier that these Yee Haa's worked hard to get me a lower quotation.... That' not entirely true is it??

The search engines are all automated, they access the risk, pick a number out of their backsides and double it...

Pleeease..... Ive been doing this for over 30yrs

Qprmeath

Got loads of quotes best two are my current broker at €500 or 25plus at €400. Is it worth €100 to stay with broker I know and trust and avoid 25plus? Allianz came in close to broker price too. I think broker is using Kenco.

Qprmeath wrote: »

Got loads of quotes best two are my current broker at €500 or 25plus at €400. Is it worth €100 to stay with broker I know and trust and avoid 25plus? Allianz came in close to broker price too. I think broker is using Kenco.

Why would you pay 100 extra (proving the cover, excess etc is same or similar)?

Ask your current broker if they can match 25plus offer.

flanna01 wrote: »

I quite understand the Cartels protocol....

It doesn't make it right, nor does it make it acceptable.

Its the buffoons that don't challenge this racket, who are realistically facilitating it. I choose to call a spade a spade - Or to be more precise, Gangster ridden Cartels

If I was to lay down to these Cowboys, I would be paying nearly double my Quote. I will not, and do not.

You stated earlier that these Yee Haa's worked hard to get me a lower quotation.... That' not entirely true is it??

The search engines are all automated, they access the risk, pick a number out of their backsides and double it...

Pleeease..... Ive been doing this for over 30yrs

"Working hard to get you a lower quote" has little to to do with the search engine itself. It's the background that leads to securing the market rates that knocked your old insurers out of the park. Anyway, sure you know everything, how can I add anything to someone who has been dealing with gangsters, cowboys, buffoons and yee-haas for 30 years? (yet can't grasp what competition is)

Eggs For Dinner wrote: »

"Working hard to get you a lower quote" has little to to do with the search engine itself. It's the background that leads to securing the market rates that knocked your old insurers out of the park. Anyway, sure you know everything, how can I add anything to someone who has been dealing with gangsters, cowboys, buffoons and yee-haas for 30 years? (yet can't grasp what competition is)

Ok.. Keep paying our money and lying down like sheep...

I choose not to. What I call corruption you call competition.

Thanks for your input, you have a totally different view of car insurance than I do.

As much use to this forum as a chocolate teapot.

CoBo55

Qprmeath wrote: »

Got loads of quotes best two are my current broker at €500 or 25plus at €400. Is it worth €100 to stay with broker I know and trust and avoid 25plus? Allianz came in close to broker price too. I think broker is using Kenco.

A hundred squid is a hundred squid I know what I'd be doing, 25plus here I come.

Odyssey 2005

Qprmeath wrote: »

Got loads of quotes best two are my current broker at €500 or 25plus at €400. Is it worth €100 to stay with broker I know and trust and avoid 25plus? Allianz came in close to broker price too. I think broker is using Kenco.

Seriously ??. €100 into something else other than an insurance companies back pocket. I wouldn't give it a second thought

So then for a newbie. Looking roughly at 3000 to buy the car, then between 2 and 3 thousand to insure it.

The less I spend on the car the more I pay on the premium

Is this about right?

clobber wrote: »

So then for a newbie. Looking roughly at 3000 to buy the car, then between 2 and 3 thousand to insure it.

The less I spend on the car the more I pay on the premium

Is this about right?

Not really.

What's your license status?

Age?

What car you are looking at?

flanna01 wrote: »

Thanks for your input, you have a totally different view of car insurance than I do. As much use to this forum as a chocolate teapot.

Don't be so hard on yourself, it's only a discussion forum

CoBo55

clobber wrote: »

So then for a newbie. Looking roughly at 3000 to buy the car, then between 2 and 3 thousand to insure it.

The less I spend on the car the more I pay on the premium

Is this about right?

The year and engine size are the most important factors, 08/09 or newer and engine size between 1 and 1.3 litres. Cars like ford fiestas Opel Corsa etc are the most easily insured. Find the car and check insurance costs before committing to buying the car.

wonski wrote: »

Not really.

What's your license status?

Age?

What car you are looking at?

Completely new to driving. Lets just say old enough

Waiting to get driving test but obviously that's already factored in

And looking at smaller cars

CoBo55 wrote: »

The year and engine size are the most important factors, 08/09 or newer and engine size between 1 and 1.3 litres. Cars like ford fiestas Opel Corsa etc are the most easily insured. Find the car and check insurance costs before committing to buying the car.

you sum it up perfectly. I'm following all that down to the letter but looking at Polos. Obviously trying to stick to a budget but yeah if i go even a year or 2 below that 08/09 reg I'm looking at a grand of increase in insurance.

Pick few small cars on Donedeal and run few quotes.

As a new driver you might be limited to what you can insure.

3k budget should give you few options to buy relatively modern car.

Insurance will be around 2-3k probably regardless.

Just run the quotes online and see what you can afford and what brings the price up or down.

clobber wrote: »

you sum it up perfectly. I'm following all that down to the letter but looking at Polos. Obviously trying to stick to a budget but yeah if i go even a year or 2 below that 08/09 reg I'm looking at a grand of increase in insurance.

If that's the case stick to it. Better spend more on a car than on insurance - insurance is dead money really, you get newer car instead.

wonski wrote: »

If that's the case stick to it. Better spend more on a car than on insurance - insurance is dead money really, you get newer car instead.

yeah its crazy. i knew the insurance was never going to be cheap for me.

but ironic for i need to spend more on the car to bring the insurance down. thought it would have been the other way around.

clobber wrote: »

yeah its crazy. i knew the insurance was never going to be cheap for me.

but ironic for i need to spend more on the car to bring the insurance. thought it would have been the other way around.

In your case they insure the risk, not the value of the car

wonski wrote: »

In your case they insure the risk, not the value of the car

True. But I'm as much a risk in a oldish car as I am in a newish one. It's buyer beware now with the car I'm looking for.

God know what that these used cars have been through. Go dealer then I'm definitely going to give top dollar there too

2,800 insurance for low engine 5-10 year old car.

2,800 insurance for low engine 1-5 year old car/relatively new car

Thats pretty much it

And only getting 1 or 2 quotes max back. Using chill comparison btw.

tabby aspreme

clobber wrote: »

2,800 insurance for low engine 5-10 year old car.

2,800 insurance for low engine 1-5 year old car/relatively new car

Thats pretty much it

And only getting 1 or 2 quotes max back. Using chill comparison btw.

Try the insurance companies own websites, chill was 5-800 dearer with my sons insurance, they won't give you a proper quote until you have passed your test, you should get it down to 1800-2000

tabby aspreme wrote: »

Try the insurance companies own websites, chill was 5-800 dearer with my sons insurance, they won't give you a proper quote until you have passed your test, you should get it down to 1800-2000

Yeah I haven't passed mine either, but obviously looking for quotes based on passing my test. I still want to be thinking ahead to then money wise so that I'm smart with resources now :-D

Be a full day giving all the rest a call. I'll try the others' website but some of them have been returning that we can't give you a quote based on information.

I'll keep trying, obviously will keep at it if people think I can do better than the above.

Those prices as I say are based on keys of car in my hand and a pass in driving test

lol the joys of spending the day giving out eircodes and car reg's etc