How to get cheap first car insurance

cheap first car insurance

before you buy car insurance listen to my words

 i personally i saved probably about a thousand two thousand a year off my insurance from doing these couple of little things that really really helped all right everyone welcome to my story now in today's i'm going to be showing you guys how to get insured on a car like this bmw or my mercedes at 17 years old a lot of people ask me a lot my friends asked me how i did it and a lot of people in the comments asked me how i do it so there's nothing too special there's a few there's a few little tricks that people don't really know of to do insurance and some people have i personally i saved probably about a thousand two thousand a year off my insurance from doing these couple of little things that really really helped i actually managed to get into my mercedes cheaper than some of my mates did on their fiestas and stuff like that so i'm gonna show you guys exactly how this is done all right so i've got exactly what i did because when i insured my mercedes the it was so insane because i did a few test runs i screenshotted exactly 

what i put in so i'm going to tell you guys and use this method for any car that you do and yeah let's get into this okay so i've got all of the information on here the prices everything about what i need to what i've filled in basically when i did my insurance so i'm actually going to tell you guys the prices first because i know that's probably what you're here you want to hear what the prices are so for my mercedes i was 17 i'd never driven on the road before i passed myself to 8 o'clock in the morning went home and i was insured on the road with this price by 10 o'clock one of the settings is that you're able to actually choose when you want your insurance to start i chose mine to start very like as soon as possible i chose it to start as soon as i pressed pay it started the price for my mercedes to ensure for one year was 1500 pounds just over 15 to 1600 pounds in the middle there so that was incredibly cheap

 that was not with a black box that was without one with a black box by the way with a telematics box it's thirteen hundred pounds the website issues was go compare and compare the market statistically compare the market is they give cheaper quotes but not by much but i just try every every like compare comparing insurance company okay so on my bmw that i'm currently in now this car was expensive to ensure when i passed my test i sold my mercedes within three weeks so i hadn't even been driving for a month so i couldn't claim on the insurance i'd been driving for more than a month that really hurt my insurance because this is this was a lot quicker than i'm saying my mercedes is like 11 seconds but to 16. this was eight and a half this is quick i managed to find a way around it and i i managed to get into a little thing where i only paid three months worth of insurance at the end of them three months the annual price for my insurance i basically started again on the annual price after three months and then it was a lot cheaper again at the start for this i paid 700 pounds for three months now 

that is a lot of money for the first hit and that was really expensive but after three months of driving it went down to just 1400 pounds so then i had a full full years paid for for 1400 pounds for this car which i thought after three months of driving that is insane and for when it was a if if you wanted a black box then it was 750 quid for a black box on one of these cars for a year if you're thinking of getting a fast car i would wait at least three months three four months of driving before you switch yeah let's now get into how this is actually done okay so running through the different options on compare the market this is the website that i used so to start off you want to make yourself the main driver you want to make sure that you're building up your no claims discounts so all this information fill out for yourself and what you personally do the first question is when did you buy the car just put when you bought the cars the next thing is what do you use the car for just use social domestic the first box social domestic and pleasure only that's what most people are going to use their car for so just take that total annual mileage i put 7 thousand six to seven thousand a year down and that seems to be about perfect so the next one is where do you keep your car during the day now for this one what i put is at home now this is this is one of the ones where insurance can vary the price varies goes up and down and that is where do you keep your car at night now price varies if you put on your driveway it actually goes up the price goes up now this is what a lot of people are going to say which is why their insurance premiums are a lot higher this one you can either put straight outside of home locked garage or unlocked garage these three options they lower the price of your insurance 

so if you park your car on a street outside your home that is going to be cheaper than if you park it on your driveway now the next question is is the car kept overnight at home or elsewhere for this i just put out home for the next one how many cars are kept at your household just be honest how many cars there are whether it's just your car or whatever your parents cars so next question do you use any other cars if you do but you do if you don't if you don't doesn't really make a massive difference okay so this is the next big thing which saves a lot of money now obviously if you're the only one on the insurance then that means that they know you're going to be the one driving at all times now you wanna add two extra drivers named drivers that and family members you wanna add family members to your policy what i would suggest is put uh say your grandma your nan your grandad put more of an elderly person on the insurance and that for some reason cheapens it a considerable amount and then the second name driver you can just put as your parent or another family member i would choose the family member which doesn't have say any points on their license or if they found the accidents put the person on which has had the least amount of convictions or anything like that and if they've had none then perfect okay so then you'll come across the information all for yourself the price of insurance can vary from the area you live in you know if you live in the countryside it could be higher if you live in the city it could be lower higher it honestly your area depends on crime rate all of that now your employment status um so this was just full part-time full slash part-time education and i was a student living at home next one is how long have you lived in the uk that's just whatever again be honest driving history put full license where's your license issued to the uk now the next one would you like to provide your driver license number if you don't provide it some insurance codes may not pop up which is cheaper so i would just provide it to get more quotes through how long have you held this license again all of this information when you get your license how long you've held it for all make it honest everything like that claims convictions for me is all no no no all of this will cheap and insurance if you have had a conviction you have to say that you have had one and unfortunately that will put it up and again and this is the same for if you have any named drivers choose one which hasn't had any convictions or the least amount um because that will bump it up as well policy details um i do comprehensive because then that just covers everything and the excess i do from 350 to 250 all the additional products and features like personal accent cover courtesy cart i just put no i'll decide later and then you can tick them later on and after all of that information to be filled out and you press find quotes you should find on average i find about 20 25 quotes sometimes you get more sometimes you get less but you should get a pretty reasonable quote 

let me know if this has made a difference to you guys because i know for a fact it definitely helped me out and yeah it was it made me able to get into a car like i'm in today because if the insurance is the price of the car which is just sometimes it is and it's ridiculous then obviously that car isn't possible but it does seriously help and yeah i would not be sitting in this car today if it wasn't for these for these tips let me know if you guys do this and if it has cheap and insurance it really it really should because it helped me loads but let me know if it has helped you or if it hasn't then it hasn't but it should definitely improve and make your premiums come down a bit but yeah that is going to be it for this stuff hopefully you guys enjoyed and i'll really appreciate that i always do if you guys if you guys comment down below give it a like share it around all of that and yeah i'll catch you guys in the next one baby girl i know you wanna hit it oh no i'm a play boy like sinatra see the evil eye becoming polar talking about the fakes but that's not us you know you can call me dundada ...