Why am I paying so much for car insurance?

Why am I paying so much for car insurance?

I don’t understand how someone who is 27 and has 2 DUIs and 2 Totaled vehicles on their driving record pay less for car insurance than a 17 year old like me. Ive been driving for a year now and have had no run ins with the law and no accidents and I pay $281.00 for liability insurance. And this other guy pays $89.00. I understand that statistically teenage drivers are bad drivers but still versus a drunk driver who has totaled 2 cars and god knows how many tickets he has. Honestly I just want to know why the cost range is so substantially different. lately ive just been thinking that how often I would get pulled over it would be cheaper to pay a $500 no insurance ticket once or twice a year then to buy insurance. Just pointing out a statement, THATS JUST SAD…

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

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Hi, i am 17 in just over 2 weeks, and looking at car insurance i am shocked.. Cheapest i have found is £4900 fully comp on a vauxhall corsa (1L), and all other cars are over £5k which is like a grand over the price of the cars. This is a bit pricey seeing as im not going to be using me car at all during the week when at school, but some weekends i will, but my parents are just saying i gotta accept its expensive and they dont mind paying. Anyway i heard today that if your dad owned his own business (which mine does) then you could get car insurance for like £1k on pretty much any standard car, is this true? Im the oldest sibling and therefore my parents dont really know much about getting good car insurance quotes, i know more than them tbh, so does anyone know anything about this way of insuring? Thanks for any help, been looking at black boxes too btw, dont know if i want to risk it. No rubbish comments about how im rich or whatever please. Thanks


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Why am I paying so much for car insurance?

I don’t understand how someone who is 27 and has 2 DUIs and 2 Totaled vehicles on their driving record pay less for car insurance than a 17 year old like me. Ive been driving for a year now and have had no run ins with the law and no accidents and I pay $281.00 for liability insurance. And this other guy pays $89.00. I understand that statistically teenage drivers are bad drivers but still versus a drunk driver who has totaled 2 cars and god knows how many tickets he has. Honestly I just want to know why the cost range is so substantially different. lately ive just been thinking that how often I would get pulled over it would be cheaper to pay a $500 no insurance ticket once or twice a year then to buy insurance. Just pointing out a statement, THATS JUST SAD…

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


My car insurance was voided in the past, and now I can’t get a quote anywhere, can anyone help?!?

When I started learning to drive at 17, I decided to buy my self a cheap car so that I’d be able to get more experience behind the wheel, pass my test quicker and have a car as soon as I passed my test. I was insured on my provisional license with an insurance company which specialised in learner drivers. However, I ended up getting 3 points on my license the week before I passed my test, in what I still think were pretty unfair circumstances. My house doesn’t have a drive or a garage and so I had to park my car on the road in front of my house, or on a street round the corner when there were no spaces. As it was my first car I was really excited, and without understanding that I could get in trouble for it, I used to sometimes sit in my car and listen to music with my friends. The week before I passed my test we were sat chatting when a police car came down the road and pulled up behind us. Someone had broken into some allotments nearby and they were questioning us as to if we had seen anything. They searched my car- for tools that could suggest we had done it I presume, and when they found nothing they ran my license and obviously realised I only had a provisional license. I still at this point didn’t realise I had done anything wrong, I wasn’t driving the car, simply sat in it so I didn’t realise I had committed an offence. The police informed me that because the engine was running, I could have been driving or about to drive and on that basis they convicted me for driving without a license. I only got 3 points and a £60 fine due to the fact I wasn’t actually driving and at the time I accepted that with relief, I was terrified I’d get a ban or lose my license or get a massively unaffordable fine. I could have appealed but that would have meant going to court and I was only 17 and that terrified me. I declared the points to my insurance company straght away, but due to the nature of the offence my insurance was invalidated and void. I’ve only just now realised how serious having insurance voided in the past is. I’m supposed to be moving a 5 hours away in a few months for a job, and I have plenty of money saved for car insurance and a car, as without a car, the move is completely unrealistic. Without a car I won’t be able to get to work as the hours are unsocial and my job isn’t very well connected with public transport at all and so relying on public transport or taxis is simply not an option. I found a car, went to get an insurance quote, and found out that getting insurance is practically impossible when you’ve had insurance voided in the past. The points don’t seem to be a problem, when I tell companies about my points but not about my insurance voided in the past they happily give me a quote. They’re expensive, but affordable and it’s what I was expecting. However, as soon as I tell them that my insurance was voided in the past they refuse to even give me a quote. I’m completely out of options and I don’t know what to do. I need a car, but I can’t get insurance as much as I try. I know I was in the wrong, but it seems like the voided insurance is more of a punishment than the points are and surely that isn’t right? And the voided insurance will stay with me for the rest of my life, so does that mean that driving will never be an option for me? I’m sorry for the essay, I just really don’t know what to do! If anyone’s been in a similar situation with voided insurance or know of a company that would insure me then please let me know! Just anything that would help, let me know! Thank you so much in advance and sorry again for the babbling!


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Why am I paying so much for car insurance?

I don’t understand how someone who is 27 and has 2 DUIs and 2 Totaled vehicles on their driving record pay less for car insurance than a 17 year old like me. Ive been driving for a year now and have had no run ins with the law and no accidents and I pay $281.00 for liability insurance. And this other guy pays $89.00. I understand that statistically teenage drivers are bad drivers but still versus a drunk driver who has totaled 2 cars and god knows how many tickets he has. Honestly I just want to know why the cost range is so substantially different. lately ive just been thinking that how often I would get pulled over it would be cheaper to pay a $500 no insurance ticket once or twice a year then to buy insurance. Just pointing out a statement, THATS JUST SAD…

BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes

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Why am I paying so much for car insurance?

I don’t understand how someone who is 27 and has 2 DUIs and 2 Totaled vehicles on their driving record pay less for car insurance than a 17 year old like me. Ive been driving for a year now and have had no run ins with the law and no accidents and I pay $281.00 for liability insurance. And this other guy pays $89.00. I understand that statistically teenage drivers are bad drivers but still versus a drunk driver who has totaled 2 cars and god knows how many tickets he has. Honestly I just want to know why the cost range is so substantially different. lately ive just been thinking that how often I would get pulled over it would be cheaper to pay a $500 no insurance ticket once or twice a year then to buy insurance. Just pointing out a statement, THATS JUST SAD…


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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BEST ANSWER: Try this site where you can compare quotes from the best companies : Compare free insurance quotes


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Why am I paying so much for car insurance?

I don’t understand how someone who is 27 and has 2 DUIs and 2 Totaled vehicles on their driving record pay less for car insurance than a 17 year old like me. Ive been driving for a year now and have had no run ins with the law and no accidents and I pay $281.00 for liability insurance. And this other guy pays $89.00. I understand that statistically teenage drivers are bad drivers but still versus a drunk driver who has totaled 2 cars and god knows how many tickets he has. Honestly I just want to know why the cost range is so substantially different. lately ive just been thinking that how often I would get pulled over it would be cheaper to pay a $500 no insurance ticket once or twice a year then to buy insurance. Just pointing out a statement, THATS JUST SAD…


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