How to get CHEAPER Car Insurance (Tips + Tricks)

Recently, I've been looking for cheap car

insurance to buy my first car.

And I've started to notice that car

insurance is not very cheap.

And in some cases, it's more expensive to

insure the car than it is to actually buy

the car.

And I found some tips and tricks to get

the cheapest car insurance when you fill

out the questionnaire thing that the

insurance website asks you.

And I want to share those tips and tricks

today.

So first of all, I just want to give you

some background information on my own car

history.

I passed my driving test about 2 years ago

when I was 33 years old.

Now I'm 35 years old and I waited 2 years

after passing my test to actually start to

consider buying a car and to start

driving.

And that's mainly because, well, there's 2

reasons mainly.

The first reason is when you first pass

your driving test, you've got like a

2-year period where you can easily lose

your license.

So if you get, normally if you get 12

points on your license, you lose your

license and you have to retake the driving

test.

But your first 2 years, you only have to

get 6 points and then you can lose your

license.

So if you're careless and you do something

stupid, like you get caught not wearing a

seatbelt or you get caught touching or

looking at your phone whilst driving, you

could get 6 points and then lose your

entire license straight after you just got

it.

And then you have to retake the entire

test and get lessons and all that again,

which is kind of annoying.

So if you wait 2 years after you pass your

test and let that new driver's 2-year

period expire and then start driving, then

you've got much more leeway when it comes

to how many points you can get before you

get your license taken away.

So that way I feel a little less pressure

knowing that I wouldn't get my license

taken away if I only got 6 points and I

need to get up to 12 points.

It doesn't mean I'm going to be careless

and I'm going to start looking at my phone

whilst driving or not wearing a seatbelt.

It just takes a little bit of pressure off

of my shoulders.

Then secondly, the reason for waiting 2

years is because the longer you have your

license, the cheaper the insurance is

going to be.

So when you fill out the questions when

you're applying for an insurance quote,

they're going to ask you how many years

have you been driving?

And they don't know that you passed like 5

years ago and you didn't drive at all.

You can put that you passed 5 years ago

and you've had your license for 5 years,

and they'll take it as you've been driving

for 5 years when you might have passed 5

years ago and you didn't even get into a

car once.

Basically, it makes the insurance company

feel much more reassured that you're not

going to crash your car if they think

you've been driving for many, many years

instead of just recently passed, which is

going to lower the price of the insurance

you're going to get.

And then lastly but not leastly, 3rd

reason to wait many years until you get

your first car is because the older you

get, the cheaper the insurance gets.

For example, if you're just a 17-year-old

who just passed and just wants to start

driving, the insurance is going to be

insane, like £3,000, £4,000 a year because

you're young, you're stupid, you've got no

experience.

But for some reason in the world of car

insurance, they think the older you are,

the less stupid you are, which I think is

a massive mistake because I'm 35 and I'm

still pretty stupid.

I don't understand why they think a

35-year-old with no experience is better

than a 17-year-old with no experience,

because I'm pretty sure there's 17 and

16-year-olds who have way more experience

driving than I do and are probably way

better at driving than I am, even though I

passed my driving test with zero minor

faults.

So basically, just because I'm older, I'm

going to get way cheaper insurance, which

makes me feel kind of good about waiting

until I'm in my 30s to start driving

rather than starting driving when I was a

teenager.

So when you find a car you like, probably

on AutoTrader, AutoTrader is the best

website that people use.

There's a button on AutoTrader when you

click on the car, you scroll down and then

you can click on insurance and you can get

a quote and it will take you to money

supermarket something dot com.

And then you go into that website and

they'll ask you a bunch of questions.

It's like five or six pages of questions,

and depending on how you answer these

questions, it will affect how cheap or how

expensive the insurance is.

So I've figured out a way to.

Game the insurance so that I get the

cheapest quote without lying, obviously,

because you're not allowed to lie.

That'd be illegal.

Okay, so I have AutoTrader up on my phone

and I want to get a Tesla Model 3, for

example.

And I found this one, £12,999, not too

expensive, but the insurance is going to

be pretty expensive.

When I filled in the survey the first

time, they gave me a quote back of like

£4,000 a year for insurance, and that's

just insane.

That's like £400 a month, which I

obviously cannot afford.

So with some fiddling, I managed to get it

down to about £1,800.

So what you want to do is you want to

scroll down and then you go to insurance,

and then you have to start filling out the

stupid website with all their stupid

questions.

So I was going to put in the registration

plate, and then you just press next page.

Okay, so this bit is very important.

They're going to ask you how are you going

to use the car.

If you put social only, you'll get cheaper

quotes than if you put social and

commuting, because they'll feel like Oh,

he's not going to use it every day to

drive to work.

He's just using it on the weekend.

So then you get a lower quote and then

you've got to put in how many miles you

think you're going to do a year.

And I just put like, I don't know, 2,000,

because I'll probably just do 2,000

because I'm not going to drive that much.

I mean, what are they going to do?

They're not going to check up and see how

many miles you're driving, are they?

And then you're going to have to answer,

where do you keep your car?

So obviously if you're just leaving it on

the streets, you're going to get a worse

quote because they'll be like, oh, it's

dangerous.

It's on the street.

Someone might puncture the tires or key

the windows.

So you're going to put it into a locked

garage.

Now luckily I have a locked garage, it's

outside, my granddad built it in 1952 and

it's very secure and nice doors, garage

doors with locks on it that my dad built

in.

And also when you keep it during the

night, again, locked garage.

If you don't have a locked garage, then

that's kind of your problem, maybe just

get one or lie about it.

And then next you have to put no access to

any other cars.

When it comes to your address, it's

actually quite important where you live.

So if you put in a postcode code.

So if you put in a postcode and it's kind

of like a rubbish crappy area, somehow the

car insurance companies know that it's a

crappy area and that's going to increase

your quote.

So I live in a nice place, I live in the

countryside, it's very secluded, very

quiet, nice neighborhood and everything.

So I put in my postcode and I get quite a

good quote.

Now if you don't live in a nice place and

you live in a rubbish town or like

outskirts of London, you're gonna be

screwed.

So maybe if you know someone like an uncle

or a relative who does live in the

countryside, you can just use their

postcode and that'll get you a cheaper

quote.

Now I if that's legal or not, so don't

take my word on it.

That's just like a tip you could take into

consideration.

And then if you're a homeowner, you'll get

a cheaper quote.

And if you're born in the UK, UK

residents, you get cheaper quotes.

And also if you're married or living with

a partner, I found that you get a cheaper

quote because, because for some reason

they think that if you are in a

relationship, that's going to mean you're

more of a responsible person and it's

going to make you more of a responsible

driver and a car owner, which trust me, it

doesn't make any sense because I was

married and I'm the least responsible

person in the world.

So yeah, it's probably better to put that

you live with a partner or you're married

rather than putting that you're single.

And I reckon divorced is probably the

worst one because it means you're not

responsible and you couldn't even handle a

marriage because you got divorced.

Okay, when it comes to employment status,

if you put unemployed, it's going to

increase the amount of insurance you pay

by like 50%.

I tested out 2 ways.

I put unemployed and I put self-employed.

And when I put unemployed, it was like

£150 a month.

And then when I put self-employed, it came

down to about £100 a month.

So being unemployed is going to to make

your insurance cost way more than if you

are not unemployed.

So I am self-employed, but unfortunately

they don't have famous YouTuber on the job

list.

So you've got to put in your jobs.

I also do some stock trading, so I might

just put like stockbroker because I mean,

I do buy and trade and sell stocks.

And then I put what industry I work in.

I put finance.

So I put finance and stockbroker as my

job.

And that's a pretty good job.

So we're going to the next page, and then

you have to enter how many years have you

held your current license.

Now this is what I'm talking about.

Instead of putting 0 years, which is what

I would put in if I just passed and I was

going to buy my first car straight away,

then I'd get a much more expensive quote.

But because I haven't driven for like 2

years since I passed, I can now put 2

years and I'll now get a much cheaper

quote.

Then it'll ask you if you want

comprehensive or third party.

Now I thought third party would be cheaper

because it's not comprehensive, which

means it doesn't include everything.

But for some reason, getting comprehensive

gives you cheaper quotes than if you chose

third party only.

I don't really understand why, that's just

how it is.

And then you want to put 0 years for no

claims discount.

Unfortunately, because this is probably

your first time filling out policy, it

means you've got no years on your no

claims discount.

You will get a cheaper quote if you can

put like 1 or 2 years on your no claims

discount, because that means you haven't

had to claim any insurance for many years,

which the insurance companies really like.

And then when it comes to the payment,

paying yearly is cheaper overall than

paying monthly.

So you might not want to pay yearly

because it's quite a lot of money to pay

all at once, and you might want to spread

the costs monthly, but then you're going

to end up paying more overall than if you

just paid it all at once.

So you do have to bear that in mind.

And then that's it, just press finish.

You press no, no, no, and all of the other

things.

And yeah, just wait until the quotes come.

It says 97%.

And oh, that's not bad.

Cheapest quote, £198 a month for the Tesla

Model 3.

Although that's not the cheapest I've

gotten.

It depends on the car as well.

Obviously Teslas are very expensive to

insure.

I don't know why Teslas are so damn

expensive to insure.

It's because they're expensive to repair

apparently.

So I was able to get the insurance down to

about £150 a month for a different Tesla

model, but that one is no longer

available.

So this one seems like it's a bit more of

a better model, so the insurance is more

expensive at £198 a month.

Yeah, so that's how I get cheaper car

insurance.

I hope that helps, and goodbye.