One of the few perks of being a "mature" driver. We also tend to get less grief from our friends with blue disco lights
Now, how much do people
really want to pay for their insurance? And when I ask that I'm talking about the thing many don't stop to think about, what your insurance will
actually cost you in the event of an accident. If your car is damaged you will have to pay the voluntary and compulsory excesses applicable on your policy, and it's pot luck whether you can recover these costs.
"You've got to ask yourself one question. Do I feel lucky?"
It's easy to go round thinking you're a careful driver and won't be involved in an accident, but it's possibly better to think you're a careful driver and probably
will be involved in an accident at some point. It's also easy to look at that cheapest quote that's £60 cheaper than all the others, you know, the one with the £250 compulsory excess and a £350 voluntary excess. If you have fortune on your side you could save £60 on your insurance, but if the unexpected happens you'll have another £600 to pay which you may or may not get back, depending on the situation.
Adding excesses to
lower a quote may seem tempting but it's a gamble. It's a gamble that frequently pays off but it's still making an assumption everyone else is going to drive sensibly as well as you, and that's something you can't guarantee 100%. Can you tell I'm an old git too? Sure I like to boot it as much as the next but I also like a clean licence and a car that's in one nicely-working piece.
My advice is always choose the lowest excess possible when using quote sites. The quotes will go up a bit but not by as much as you might expect. One year I was shopping for insurance on my old Mk2 GTI and (with a £100 comp. excess) the difference between a policy with a £250 voluntary excess and none was £1.34. I didn't crash the car that year but I was happy to pay an extra £1.34 knowing it would save me a potential £250 later on if something bad did actually happen. It might sound gloomy but if you plan for the worst you're prepared for it if it happens.