Best way to reduce car insurance costs?

i got quoted £11.000 for a 1.1 saxo now im on a driving instuctors policy with a crash £1000 it shud of been £600 but when i was added it to the policy it wennt up £400 as i am only 18 and thats for a corsa 1.3 cdti

 

The cheapest i could find was 3500. Im 21 its my first car and i have a dr10 on my license. I went with insure the box.co.uk and got it down to 2500. Im limited to 6000 miles per year tho so...

 

i've been doing alot of looking around for quotes recantly, and i dont know if it works for you younger lot but i found it was cheaper to do fully comp and value the car at £1000 to 1500 even if its a £200 scrapper.
for some reson they think you care about the car more if you have a higher protection on it.
i do have 7 years ncb tho.
and cat 1 or 2 alarms are a load of crap i put it had a cat 1 alarm and policy went down by £45 most cat 1 alarms cost £300+ so it would take a few years before you got your money back, and how many young drivers keep there cars for more than a year or 2 before upgrading.

 

Add someone with a long ncb then your insurance will decrease considerbly

 

Best thing to do if possible is go on an admiral multicar policy, saved myself a grand doing it that way!

 

Surprised I can contribute on something, but I suppose this is the car section . I'll just say...

+1 for advanced motoring qualification
+1 for adding an experienced named driver
+1 for "insured and spouse" cover if you are married
+1 for choosing a low insurance group car (obvious I know).

I passed my IAM car test (http://www.iam.org.uk/motorist) nearly four years ago. It did cost me £80 to do (it's gone up since then) and there is an annual membership (about £25 I think). But, and it's been a big but for me, the IAM have their own insurance broker and they've been between £150 and £200 less than the next best quote each year. That's meant paying around £500 a year fully comp instead of £700 which is a big percentage. The only downside is you need to be 21 to use their insurance broker but the course is well worth it for your safety and awareness anyway.

I'll also just say...

-1 for being a named driver when you're the main user. It must be very very tempting but insurers do sometimes catch on to "fronting" and refuse to pay claims. I think it can land you in court too.

Tim.