That is strange - I'm 30 too, so the difference must be the postcode and the garage - either that or they rate a 1.8i mk1 as higher risk than a 1.6i turbocharged, lowered, stiffened mk1 with grooved discs...

You could try asking for a quote with garage, and see if you can rent one for less!

Hugo

You could try asking for a quote with garage, and see if you can rent one for less!

Tried that! I have a garage and the car is sometimes in it (when I'm not storing piles of crap for my relatives). The biggest reduction I have ever been offered for the car being in a garage compared to off road was 50 quid a year, which is not worth the hassle...

It's not even as if my car is worth any money, as it's done 100,000 miles over the last 4.5 years, so I could probably get about a fiver for it !

Try playing around with the exact words you use to describe your profession. Sometimes it's surprising how much difference there is in the way they rate you for risk. The Tescos website is good to test this one out....

cheers
Craig

I have never seen the occupation make any difference to the quote. I can never make up my mind what my occupation is as it could be one of:

• Managing director
• Company director
• Computer programmer
• IT professional
• Computer consultant
• Software engineer
  

etc...

I have just been to the Tesco's web site and it makes no difference what occupation I pick from their list (i.e. not just sticking to anything from the list above) the quote is always the same, £655.

Insurance makes no sense to me...

I just went back to the Tesco's website and added my 41 year old wife to the quote as a second driver. She has had an acident every year for the last three years, two were not here fault, but the third was entirely her fault.

I filled all the details in, including her claims and sure enough the quote fell from £655 to £631...

Red cars also have higher insurance. At least that's what I've heard.

My insurance company (here in the U.S.) gives discounts for Engineers. I guess they're generally more cautious, technical drivers. Too bad computer science doesn't fall under the Engineer category.

I noticed that insurance companies who give discounts to engineers do not consider computer engineers to be real engineers. Which is bull, as I have an accredited degree of engineering (!) and the insurance companies do not care. Insurance companies are a bunch of thieves lots of times.

Calvin

I have a red car and I was never asked what color. If you try getting insurance quotes online, the car's color is never taken in account. I think your personal accident history, the type of car and the area where you live would be bigger factors than paint.

Calvin

I have a feeling Yz33d's comment was humour

Stick a woman as a named driver on your policy. You'll save some money. Even more if she is your wife.

My wife is on the policy, this is discussed further down in the thread. And yes, despite the fact that she has some recent claims (and I have 5 years no claims) having her on the policy does reduce the premium...

No, no. I think I read it in reader's digest a long time ago.

With Yz33d, you don't have to analyze too deeply. He actually means what he writes! There's no undeception or reinterpretation needed.

:-p

Calvin

What can I say, I'm a straight-shooter. No need to be beating around any bushes.