How do I get cheap car insurance?

Besides going to a comparison site and signing up online, is there anything else I can do? Does it matter what type of car I drive? How often I drive?

Asked by lincolnjosh1990

3 Answers

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Answered by Paul Richardson, IFA in Wotton under Edge, GLOUCESTERSHIRE
some of the things that insurance companies take into account for car insurance;
Your age
Your sex
annual mileage
Your car value
the make and model of your car
your past driving history - accidents - convictions /points etc
Where you live
How secure the vehicle is | 01.12.11 @ 16:19
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$commenter.renderDisplayableName() — {comment} | 09.23.17 @ 07:36
Answered by Paul Ross DipPFS CII(MP&ER), IFA in Bourne, LINCOLNSHIRE
The things you can do to drive down costs are:
Drive in a car, such as a Fiat Panda, Ka or similar as opposed to an Aston Martin. A useful site is http://www.ukwebstart.com/listcarinsurance.html

The area you live in does have an effect, so living in a quaint village would be a lot cheaper than living in the Isle of Dogs, London.

Like Paul has mentioned, your sex, the type of use for your car (social domestic, pleasure or do you use it for business use)

Some insurers discount your insurance via the Pass Plus course | 01.12.11 @ 16:52
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$commenter.renderDisplayableName() — {comment} | 09.23.17 @ 07:36
Answered by Darren Smith, IFA in Basingstoke, HAMPSHIRE
in addition to where you live, where you work is important too.

you could live in "leafy village with all security mod cons postcode area" but if you work in the city centre and park in a public car park rather than a secure company facility this will impact too.

young drivers can opt to "not be covered" to drive during rush hour or after certain hours of night - this can reduce the risk of driving at the busiest times of the day and also times when drink driving / substance effected driving might occur.

you should also check the security features of your car, make shure you know exactly what it has - nothing / immobiliser / alarm / thatcham 1 / thatcham 2 / manufacturers factory fit system.

this can all impact on the cost.

also bear in mind that if you work from an office but regularly have to attend meetings or work at other locations you will need business class 1 cover which many insurers will give for free if you are already comprehensively covered but some will charge and if you have not declared accurately your work pattern, the insurer is within their right to reject you claim even if it doesnt occur in working hours.

the "commuting" element of cover is specifically to one fixed place of work.

there are many other things that impact on the cost - too many to list here! | 01.12.11 @ 21:37
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$commenter.renderDisplayableName() — {comment} | 09.23.17 @ 07:36
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Answered by

Paul Richardson
Paul Richardson, IFA in Wotton under Edge, GLOUCESTERSHIRE

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