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car insurance

abi88 · 2007-10-30 17:58:17

which car insurance company would any one consider affordable for a student? any ideas?

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30-10-2007 6:58pm

#1

abi88

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which car insurance company would any one consider affordable for a student? any ideas?

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#2 30-10-2007 7:48pm
Anan1

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Sit down with a phone and a Golden Pages and call everyone, brokers & companies alike. If you don't do this, you will almost certainly end up paying more than you need to.

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#3 30-10-2007 7:59pm
vengeance52

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Anan1 wrote: »

Sit down with a phone and a Golden Pages and call everyone, brokers & companies alike. If you don't do this, you will almost certainly end up paying more than you need to.

Exactly. 20mins on phone can save ya hundreds, and do the same come renewal time.

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#4 30-10-2007 8:57pm
zilog_jones

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I couldn't find anyone cheaper than Quinn.

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#5 30-10-2007 9:32pm
Anan1

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zilog_jones wrote: »

I couldn't find anyone cheaper than Quinn.

For your particular requirements, this year. I couldn't find anyone cheaper this year than FBD for one car, AXA for another. Who knows who'll be cheapest for any of us next time around.

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#6 30-10-2007 9:36pm
zilog_jones

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Axa seem to be completely useless when it comes to young drivers.

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#7 30-10-2007 9:38pm
Vain

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try quinn there the cheapest price i got

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#8 30-10-2007 9:40pm
Anan1

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I think the OP should call everyone, to see who's the most competitive. Are you seriously suggesting they should not call AXA, on the basis that in your opinion they're useless for young drivers?

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#9 30-10-2007 10:31pm
Cionád

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Ring up loads of places, including brokers.

Quinn was cheapest for me by a long way.

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#10 30-10-2007 10:42pm
yayamark

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I dont know if hibernian still do the ignition test but i did it about 4 years ago and no other insurance company can touch them

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#11 30-10-2007 10:49pm
Jimbo

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Yea defo try everyewhere. im a young driver and axa quoted me €1000 less than quinn

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#12 30-10-2007 11:53pm
zilog_jones

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Anan1 wrote: »

I think the OP should call everyone, to see who's the most competitive. Are you seriously suggesting they should not call AXA, on the basis that in your opinion they're useless for young drivers?

My opinion is based on personal experience last year, several other people here on boards (like here) and others which suggests they are just not interested in insuring young/new drivers at a reasonable price.

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#13 31-10-2007 12:06am
Anan1

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zilog_jones wrote: »

My opinion is based on personal experience last year, several other people here on boards (like here) and others which suggests they are just not interested in insuring young/new drivers at a reasonable price.

Come on, this is ridiculous. Surely you can see that the only way the OP will know whether or not AXA is competitive for them is by getting a quote?

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#14 31-10-2007 12:29am
Del2005

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I'm for ringing everyone aswell. But done forget about 123.ie and insure.ie they'll give a rough idea of prices, also they all have online systems now so you don't even have to ring. Just use the net. But still can't beat calling/checking everyone in the phone book. Also the OP says student, but doesn't say if they are mature would make a difference. I'm assuming they aren't though

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#15 31-10-2007 12:40am
Dr Lektroluv

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I can pretty much guarantee you won't get cheaper than QD if you are 17-22 (unless you're an older student). My quote this yr with QD (Male 22, full license on a 1.4) was €1100.

Tried Axa, Hibernian, Eaglestar ,etc and a few others - minimum was €2000. Nearly double.

All my friends are with QD (they are ages 18-22) and couldn't find anyone cheaper either.

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#16 31-10-2007 12:46am
Stark

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Del2005 wrote: »

I'm for ringing everyone aswell. But done forget about 123.ie and insure.ie they'll give a rough idea of prices, also they all have online systems now so you don't even have to ring. Just use the net. But still can't beat calling/checking everyone in the phone book. Also the OP says student, but doesn't say if they are mature would make a difference. I'm assuming they aren't though

A lot of insurance companies offer different prices over the internet than the phone. I'm sure Hibernian probably give a better deal if you call in than if you get an online quote. For one thing, the online system won't give you the option of doing Ignition.

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#17 31-10-2007 1:06am
zilog_jones

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Anan1 wrote: »

Come on, this is ridiculous. Surely you can see that the only way the OP will know whether or not AXA is competitive for them is by getting a quote?

There's nothing stopping him trying, but I bet you he'd be wasting his time! I'm not saying to just go with Quinn and don't bother with anyone else - he may find someone better, but I can't see it being with AXA.

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#18 31-10-2007 1:10am
woop

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supposedly.... now this is just what someone told me, AXA are giving 40% discounts for 3rd level students now

I realise that this might just not actually make axa cheap now but I just thought Id let you know

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#19 31-10-2007 2:05am
drdre

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Hiberian seem the best for me.Nobody else is quoting.I have rang everyone.
Just got a quote on a 07 Golf gti , am only 23 fully comp for 1200 euro.Now thats not bad, Im a happy camper

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#20 31-10-2007 1:03pm
daedalus2097

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That's an excellent quote! You must have a full licence for a good while then, yeah? Hibernian wouldn't quote me on my 95 GTi which is less powerful than yours - and I'm 26 with a licence for 2 years. Of everyone else, FBD wouldn't quote me either and Quinn were, once again, far cheaper than everyone else (even if it is an increase on last year's premium).

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#21 31-10-2007 1:22pm
Stephen

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I'm surprised they gave you such a cheap quote dre, considering all your penalty points and stuff
Is that under your own name or as a named driver?

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#22 31-10-2007 1:24pm
Stark

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He probably put down "Nissan Micra" on the insurance forms

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#23 31-10-2007 1:29pm
Leon11

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I'd recommend pricing insurance on the net and ringing up then to see if yu can do better. I was quoted €1150 for a 1.4l (22yr old male) online, I then rang up QD and it worked out at just over €800!

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#24 31-10-2007 1:43pm
TheNog

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I would love to know how the insurance companies come up with the quotes. I was with axa when i recently moved from meath to cavan so i rang them to update my new address. This is how the conversation went down:

Me:Hi I've moved to cavan. Here's my new address
AXA: ah that's great. Your policy premium has increased slightly.
Me: By how much?
AXA: €70.I can add that to your monthly premiums and it can be paid over the remaining term.
Me: Why has it gone up by €70?
AXA: Because you moved to Cavan.
Me: But why has me moving to Cavan increased it by €70?
AXA: Because there are more km of roads in Cavan than in Meath.
Me: Are you serious?
AXA: Yes

I paid the €70 like a bloody eejit. When the renerwal came around they sent a quote of €750. That was €150 more than the year before. When i called them again they could get it down to €650 for me but that was by removing benefits like windscreen cover and roadside assistance. I checked around and heard of Prestige Insurance in Cavan town. They quoted me €350 with all the benefits.

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#25 01-11-2007 12:24am
drdre

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Stephen wrote: »

I'm surprised they gave you such a cheap quote dre, considering all your penalty points and stuff
Is that under your own name or as a named driver?

Its under my own name, I actually got the insurance yesterday as it was due for renewal.I couldnt believe how cheap it was .Hibernian know my whole story eg last year i had 8 points at one stage and now only have 4 points.I have been really happy with hibernian in the past 4 years.

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#26 01-11-2007 12:27am
drdre

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Dr Lektroluv wrote: »

I can pretty much guarantee you won't get cheaper than QD if you are 17-22 (unless you're an older student). My quote this yr with QD (Male 22, full license on a 1.4) was €1100.

Tried Axa, Hibernian, Eaglestar ,etc and a few others - minimum was €2000. Nearly double.

All my friends are with QD (they are ages 18-22) and couldn't find anyone cheaper either.

Well thats wrong.When i was 22 i paid less than 800 for insurance on a 1.4 golf.Now have a 2.0 turbo and am paying 1200.Now thats good.Quinn wont even quote a gti.

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