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Cheap Car Insurance
About Cheap Car Insurance Cost, Prices and Rates
Car insurance is just one of the many items that a car owner has to find money for, and the costs of maintaining a car continue to increase. The high cost of fuel, the cost of parts and repairs, and then tax and MOT - it all mounts up and none of the items goes down in price, they just go on rising and there’s no escape from paying the increase if you want to carry on driving.
Car insurance cost however is one item that you can control. Insurance, from the insurer’s point of view, is all about risk; that is, the risk you present to them that you might make a claim. If you are considered to be a low risk your car insurance will be cheaper. On the other hand, if you have made claims before, have several points on your licence for dangerous driving, and have a history of involvement in road traffic accidents, you will be considered a high risk and your car insurance will be more expensive.
There are many things you can do to lower your risk and consequently the car insurance rates. Having an advanced driving qualification such as Pass Plus will certainly help, as insurers will consider you to be better qualified, more experienced, a safer driver and consequently less of a risk. If you haven’t made any claims this will also be an obvious advantage. Maintaining your no claims bonus for five years will give you a major discount on your policy. Avoiding points on your licence for dangerous driving, drink driving, speeding and other motoring offences will also help. Any points on your licence will increase the cost of your insurance. Your annual mileage also has a cost implication for your car insurance - simply put, the more you drive the greater the risk. Reducing your annual mileage can therefore contribute to a cheaper coverage.
You will be able to reduce your car insurance further by taking measures to protect your vehicle from theft. This can have a significant impact on making your car insurance cheaper. Parking your car in a secure garage instead of on the road or on the drive will certainly have an impact, as will any security measures you have installed in your car, such as an immobilizer or car alarm (these are in addition to any measures that the manufacturer may have installed).
Your car insurance price will also be influenced by factors that you can’t control, such as your age and gender. Young drivers and elderly drivers are statistically speaking more likely to be involved in a road traffic accident and consequently have to pay more for their car insurance. It’s good news for women drivers though. Women drivers are less likely to be involved in a road traffic accident than men and therefore pay less for their car insurance in comparison. The area where you live will also have an impact on your car insurance. If you live in an urban area with a high crime rate, you are likely to pay more for your car insurance than someone who lives in a rural area with a low crime rate. The kind of work you do may also have an impact on your car insurance. A professional soccer player for instance, or indeed any professional involved in active sport, is more likely - statistically speaking again - to be involved in a road traffic accident than a nurse or a teacher and therefore will pay more for their car insurance.
The car insurance group that your vehicle belongs to, and the type of policy you require (third party, third party fire and theft, fully comprehensive) will also have cost implications for your car insurance.
Car insurance rate can be significantly reduced however if you use a team of experts with extensive contacts in the car insurance business to find the best quote for you. Instead of supplying all your details to a number of companies, all you need to do is send your details to us once and we will do all the rest. Depend on our expertise to find you the cheapest car insurance on the market, tailored to your particular situation.
