RickyZ Posted October 12, 2010 Report Share Posted October 12, 2010 How many years no claims have you got? How old are you? I'm assuming about 23 if you've just finished uni? I'm 21 with a 330Ci and pay just over £1000 a year. I think it was £1058 there or there abouts. As Jorge says though, insurance has gone up a lot this last year. I would give Admiral a shot. They've given me the cheapest quote each year for the last 3 years now. this is about wot I was paying too dude x2 for Admiral - very competitive prices Link to comment Share on other sites More sharing options...
Jay. Posted October 12, 2010 Report Share Posted October 12, 2010 I'm 22 and pay 800 f/c when I was 21 it was just over 1100. As above admiral always comes up trumps in the past Link to comment Share on other sites More sharing options...
Jorge- Posted October 12, 2010 Report Share Posted October 12, 2010 I'm 21 with a 330ci and pay £1300 FC with Admiral, 1 year NCB. Just to give an indicator as there are so many other varibles. However doing a quote in prep for my renewal in Jan it's coming in at round £1100 this year, not exactly the 10% discount 1 year extra NCB aparently gives you. Link to comment Share on other sites More sharing options...
spikeysam Posted October 12, 2010 Author Report Share Posted October 12, 2010 woah some low prices you guys pay, im 21, 3 years no claims, have 3 points, older parent as named driver. il go to admiral direct and have a look what they can do, cheers lads Link to comment Share on other sites More sharing options...
RickyZ Posted October 12, 2010 Report Share Posted October 12, 2010 woah some low prices you guys pay, im 21, 3 years no claims, have 3 points, older parent as named driver. il go to admiral direct and have a look what they can do, cheers lads good luck dude, your points wont help tho if you can try adding both parents, saved me nearly 100 adding dad as well as mum Link to comment Share on other sites More sharing options...
Gaz Posted October 12, 2010 Report Share Posted October 12, 2010 I've got my gf on mine (she's 20) and it put my insurance down a huge whack. Something stupid like 40% I think. It's ridiculous! What were the 3 points for? I remember a few people on here saying 3 points for speeding will hardly put your insurance up at all and that most people have points. Never got a quote with points though so not sure how true that is. Link to comment Share on other sites More sharing options...
spikeysam Posted October 12, 2010 Author Report Share Posted October 12, 2010 adding both parents isnt applicable sadly, did a quote and got it down to £1600 with £500 voluntary. I could wait a few more months till im 22 will have a bit more money to play with too, but im certain a e46 coop will be on the way :-D Link to comment Share on other sites More sharing options...
Gaz Posted October 12, 2010 Report Share Posted October 12, 2010 Any pictures of your st by the way? Link to comment Share on other sites More sharing options...
spikeysam Posted October 12, 2010 Author Report Share Posted October 12, 2010 hahaha i just posted some up in the other cars section gaz l Link to comment Share on other sites More sharing options...
RickyZ Posted October 12, 2010 Report Share Posted October 12, 2010 adding both parents isnt applicable sadly, did a quote and got it down to £1600 with £500 voluntary. I could wait a few more months till im 22 will have a bit more money to play with too, but im certain a e46 coop will be on the way :-D E46 Coupe FTW pics are here: http://www.e46zone.com/forum/index.php?sho...mp;#entry279146 Link to comment Share on other sites More sharing options...
Gaz Posted October 12, 2010 Report Share Posted October 12, 2010 Just spotted it Link to comment Share on other sites More sharing options...
Judgee Posted October 12, 2010 Report Share Posted October 12, 2010 Well my car before my first bmw was a 1.6 fiesta ghia and going from that to a 318se 2 litre did feel like a drop in nippyness for sure. But the whole driving experience of the bmw more than makes up for it. I find the 318 has enough power for my needs, its smooth enough and can keep up on the motorways so don't rule one out if ya looking to save on the insurance. That being said, given the chance I'd go for the biggest bastard 6 pot I could afford now! Oh and I know what ya mean about the rattly fiesta, it was the main reason I got rid of mine! Link to comment Share on other sites More sharing options...
El Turko Posted October 12, 2010 Report Share Posted October 12, 2010 good luck dude, your points wont help tho if you can try adding both parents, saved me nearly 100 adding dad as well as mum Adding a 'partner' really helped me. I tried adding my Mum to the policy, which was a great saving.... but it was bettered even more so (by about £200 more) when i replaced her with my girlfriend. Strange, as she is a complete liability on the road. Link to comment Share on other sites More sharing options...
Devil2575 Posted October 12, 2010 Report Share Posted October 12, 2010 For such low mileage vs the money you save on tax / fuel, just get a petrol, 325 or 330. You'll enjoy it more, you will hear a decent engine sound, and the money saved buying it will easily cover the additional insurance, fuel, tax. Tax is what, £100 a year more, insurance probably similar if looking at the 330cd, and even looking at amo's slightly over priced one for 8000, thats 2000 less for a car that will be much higher spec than an equilvent diesel. What this man said! 330i petrol all the way. The diesel will be more expensive to buy, there is more to go wrong, will be just as expensive to insure and unloess you do high miles won't cost that much more on juice. 10k will buy you a spot on low milage 330i. In fact, i'd be tempeted to get a nice one for 7k and have a nice holiday with the change... Link to comment Share on other sites More sharing options...
Devil2575 Posted October 12, 2010 Report Share Posted October 12, 2010 I remember a few people on here saying 3 points for speeding will hardly put your insurance up at all I had three points for speeding and it made naff all difference. What it did do was mean that some companies just wouldn't even quote me. But plenty did and I pay under £400 a year for my 330, although I am 35 now with over 10 years no claims... Link to comment Share on other sites More sharing options...
