Escort insurance conundrum

[cjhillman]

I've just been thinking about changing my car again. I need to find something with cheaper insurance (which probably wont happen). I'm 23, live in Manchester, have 2 years NCB, been driving for 6 years and am a self empoyled music tutor.

I did have a ford escort M reg 1.4 and they wanted about £80 a month. I now have a focus 1.4 and they want £97 a month. I'm sure this will go up when August/renewal comes round and even still its too much now.

But my question is... I have always since day one wanted an Escort mk3 1.3 L (which I thought must be cheap insurance) and it seems whenever i use a compare website i get quoted more than the newer escort i originally had. To be honest i havnt tried Direct Line who I'm with yet. I did try Classic insurance and they wont touch me. Any ideas on who i can go with or if I'm right about this car being more expensive to insure?

I thought it might be less because its older etc. Is this something that happens when you start buying cars that are just a bit older etc? I was thinking maybe because they wont be able to sort the parts and that?

Also what cars are cheap to insure that are retroish? I might go for something else 80s and smaller if its cheap.

Any help appreciated
Thanks, Chris

[crazymonkey]

get a metro they're cheap insurance

but surprised the escort is more expensive than the newer one, Ive been doing quotes and the mk3 escort is £300 a year cheaper than a post 1990 car.

Have you tried phoning footman James, Ive heard many good things about them

[vaughant]

I'm surprised classic won't touch you,must be a mileage thing.
Comparison websites probably still work on the fact that millions of mk3's were stolen in the 80's and 90's as back then they were expensive to insure as well again due to theft.
Maybe better ringing a few of the more classic/performance orientated sites as they may have more of a clue as to what the car is and be able to help you better.
I think greenlight and footman James always get good reviews over on passionford but also everyone's complaining their insurance has gone up massively this year so you maybe unpleasantly surprised I'm afraid.

[cjhillman]

Thanks guys i'll check them out. would really like to get one if i can. I'm not botherd about modifying it so that wont be an issue. my millage should be about 80000 i think.

[Deleted]

One of the biggest problems you'll face with insurance, much like myself, is 'Self Employed'. Apparently, if you're self employed you're a higher risk so even though you're likely to be on a lower income, insurance companies demand more cash. Musician and Artist are also considered to be higher risk somehow and incur bigger fees.

However, try Admiral. They gave me a very sensible (comparitively) quote on my car and with your NCB you might find them more affordable. Talking to Admiral direct generally gets a better quote too.

[cjhillman]

Yeah i'll have to get on the phone tomorrow. The online things never work for me. they always say £3000 and stupid stuff like that. I think the problem with my classic car insurance idea is that its my only car... maybe. The musician thing does get me to. i just have to say i don't use it for any of those things and all my students come to me.

[cairyhunt]

Try footman James. I've just insured my Merc lowrider with them for £150 fully comp with unlimited milage ;D

And I always find I get a much better price by ringing insurance companies up on the phone, I never use the online comparison things.