Common theme these insurance threads... but very good to hear eveyone's experiences.
Personally I haven't had insurance through any of these companies yet as im still waiting to get a car (shuddup rob) but I have had good quotes from Just Cars. I haven't tried any of the others but will do when seriously looking for insurance.
I am 24 on rating 1 so its helps my cause, but you 18 year olds on rating 6 driving turbo cars should stop complaining - if i was an insurance company, i wouldn't insure you either... bugger all experience AND in a powerful car means bad news. If you want these cars at that age then you just have to pay the price... or not pay it at all at your risk.
I really don't know what effects the cost the most but someone from just cars said that bodykits and lowering are the biggest factors (apart from age). The type of the car hasn't really had THAT much difference for me.
Hippy is correct, its not necessarily the premium that kills you, its the excess if you make a claim. Quite rude really.
On their online quotes you often see "Additional Excess" of, for example on a GTR, $1000. No reason for it, just an additional excess. What's up with that?!
Not to mention the normal excess, age excess, theft excess plus if you have nice wheels and they are involved in the claim there is another excess for them..... its rediculous.
BUT... is your car worth not insuring. I know its alot to pay for insurance but would you rather pay 4-7k over a couple of years or have to fork out another 20-25k if you total it or it gets stolen?
Bit of a hard decision, but personally I'll take insurance any day. Of course I'm only willing to pay a certain amount so if its gonna cost too much to insure, i'll probably look for something else.
my 2c.