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34 year old first time driver. Insurance tips/suggestions?

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  • 05-03-2019 1:15pm
    #1
    -Vega-
    Registered Users Posts: 662 ✭✭✭


    Just passed my test. 34 year old male.

    My first quote on a 1.4 toyota petrol for city driving 4000 km - 7000km a year was 3500 euro.

    Is there any insurance firms that specialize in low rates for first time drivers? Does the fact that Im not a young driver assist me at all?

    Any general tips for bringing it down other than adding a driver to the policy and storing car in a safer area etc?

    Thanks!


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    #2
    Agent Smith
    Moderators, Regional East Moderators Posts: 21,502 Mod ✭✭✭✭Agent Smith


    boxymo.ie

    They hooked me up for less then a grand on a 05 fiesta, with 8000 Miles a year.

    they put a tracking box in your car, and get weekly txt's telling you how you do.

    Get a high score every month, they grant you more mileage


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    #3
    dastardly00
    Registered Users Posts: 13,305 ✭✭✭✭dastardly00


    OP, how many more quotes have you got? Or is it just the one?


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    #4
    Skatedude
    Registered Users Posts: 2,674 ✭✭✭Skatedude


    No claims bonus is required for cheaper insurance and you haven't earned any yet, You need to bite the bullet and earn a year or two and the price will come way down.


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    #5
    PhuckHugh2
    Registered Users Posts: 214 ✭✭PhuckHugh2


    dastardly00 wrote: »
    OP, how many more quotes have you got? Or is it just the one?

    This!!!
    Call as many insurance companies as you can. Try some brokers too. I used a broker for my first insurance when i was about 25 and they beat all the quotes i got direct from the companies by a few hundred quid.
    Add an experienced driver(spouse or Parent) to your policy as a named driver. Could bring down the price at no real risk to them.


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    #6
    Kiith
    Moderators, Computer Games Moderators Posts: 23,055 Mod ✭✭✭✭Kiith


    I'm in a very similar boat. 35 and just getting my license now. First quote for a 2008 Audi, with a discount from the GUI, is still €3000. I figured it was going to be expensive, so i may just have to bite the bullet and take it.
    Agent Smith wrote: »
    boxymo.ie

    They hooked me up for less then a grand on a 05 fiesta, with 8000 Miles a year.

    they put a tracking box in your car, and get weekly txt's telling you how you do.

    Get a high score every month, they grant you more mileage
    Might look into this. Would be nice to not get absolutely ripped off in my first year, and then switch to a regular insurer after that.


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  • Options
    #7
    Captain Chaos
    Registered Users Posts: 11,174 ✭✭✭✭Captain Chaos


    I started driving at 31 3 years ago. On a 1.4 I payed €3500 my first year, the next year I shopped around and got €2,400 and last year I shopped around again and it dropped to €1,200.

    I does come down with NCB as it builds up and depends where you live too. I changed to my wife's address from my own and it went up €200 so I put it back to mine. It's parked up in either 50:50. I'd class my own address higher risk than hers but the insurance company see otherwise. My car is 12 years old this year too and having a newer car helps lower insurance costs.


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    #8
    Kiith
    Moderators, Computer Games Moderators Posts: 23,055 Mod ✭✭✭✭Kiith


    Does the engine size change the price of insurance that much? The car i think i will be getting is my uncle's, an Audi A3 1.9 tdi with low mileage. But if that would end up costing me more in insurance, i could probably find something smaller that would do the job.


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    #9
    ldnboy87
    Registered Users Posts: 15 ✭ldnboy87


    This just shows how much of a rip off insurance is in Ireland. I just bought my first car over here in the UK at the age of 31 (license held for 4 years).

    I paid £900 on a 3.3l Lexus RX400h fully comp with a London address (insurance is generally higher in London). 10,000 miles per year.


  • Options
    #10
    at9qu5vp0wcix7
    Closed Accounts Posts: 738 ✭✭✭at9qu5vp0wcix7


    Kiith wrote: »
    Does the engine size change the price of insurance that much? The car i think i will be getting is my uncle's, an Audi A3 1.9 tdi with low mileage. But if that would end up costing me more in insurance, i could probably find something smaller that would do the job.

    From my experience as a new driver, a diesel will be about 10% more than a petrol to insure. It's not noticeable for most people, but it is when you are paying thousands.

    My first insurance at 23 Y/O on a learners permit was 3600. This fell to 1600 the second year (also got a full license in this time).


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    #11
    PhuckHugh2
    Registered Users Posts: 214 ✭✭PhuckHugh2


    I live in a town in Leinster well away from Dublin. When i first started driving 8 years ago when i was 25 i think on a Small 1.4 Golf hatchback. I paid about 1100 for insurance.
    The online quotes i got and over the phone for the top insurers were absurd. I went through a broker which beat any other quote i got out of the water. After i passed the test during that year the insurance dropped to about 850.

    Has insurance prices really increased that much in 8 years for new drivers if so its absolutely ridiculous. I don't use that broker any more but they are very helpful and i always go to them for a quote and they are usually competitive.


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