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ARTICLES

Temporary Car Insurance

Temporary or short term car insurance is something that you might need from time to time.  ...

Why Would You Need Short Time Car Insurance

There will be many occasions when you will need to obtain short time car insurance; these ...

Buying Car Insurance for a Classic Car

If you have a car that is over a certain number of years or if you ...

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How Do I Get Cheap Insurance?

Cheap insurance can obviously help you save a lot of money in the long run, but it takes some dexterity to acquire. If you know enough about the insurance industry and how they rate their customers then it might be a lot easier to get the kind of insurance that is easy to afford. If you think you are paying too much for your insurance then you might want to take some steps to ensure that it is lowered as soon as possible.

Insurance companies measure their clients according to the risk that they pose when it comes to their vehicles. If you are a good driver then your insurance will be lower than those who have been in a few accidents. If you drive carelessly and you have infractions against your name, your insurance company might see you as a risk and they will raise your monthly premiums.

Personal details, such as your age, vehicle and location also determine the risk that you pose to the insurance company. If you are a young driver, they might see you as a risky one. The older that you get and the more driving experience you have, the lower your premiums will be.

If you own the latest model of a car then you are probably paying a lot more than you would if you owned an earlier model. Models that are even a year apart can make a big difference when it comes to premiums. This is because a car is a liability and it loses value the moment you drive off the showroom floor. Certain newer vehicles will cost the insurance company a lot more to replace than if they were just a little bit older.

Certain cars are safer than others and there are specific safety features on these cars that might ensure your premiums are lowered. If you want to know what kind of car you should be driving in order to qualify for cheap insurance then you should contact your insurance company and inquire about the makes and models of these cars.

If you live in a very safe and quiet neighbourhood then, chances are, you are going to be paying a lot less for your monthly premiums than someone who lives in the city. Your location determines the amount of risk you are at for having your car stolen or being involved in an accident. In order to get cheap insurance you might want to consider living in an area where you and your vehicle are considered less of a risk to an insurance company.

COMPARE INSURANCE WEBSITES
TOP 2 COMPANIES

GoCompare covers

61%

GoCompare allows you to compare and customise your quote results to get the best policy for your needs (e.g. if you want breakdown or a courtesy car included).

Average time taken : 5 Minutes

Quotes returned : 81 from providers searched

Money Supermarket covers

78%

Moneysup allows you to compare and customise your quote results to get the best policy for your needs (e.g. if you want breakdown or a courtesy car included).

Average time taken : 5 Minutes

81 from providers searched

INDIVIDUAL INSURANCE WEBSITES

Kwik Fit:
Extras, extras... Exclusive customer offers with a range of providers including, Kwik Fit, Haven Holidays, Virgin Wines and loads more

Asda:
They now offer 2 great policies, and as you'd expect from Britain's lowest priced supermarket both of these offer great value.

The Cooperative:
With The Co-operative Insurance, customers get more than they expect, for less – that’s because what many insurers charge you extra for, this insurer include as standard.


OTHER COMPARISON
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If you still haven't found a deal you're happy with or want to push the envelope there are many more options to try.

The insurers, editorials and evaluations on this site are offered purely for information purposes and do not in any way amount to advice about, or a recommendation of, any product or provider. If you choose to make use of the aforementioned insurers, we do not accept any liability and we provide no assurances, guarantees or representations, inferred or otherwise, for the substance or precision of these intermediary sites or businesses. If you have any uncertainties you should check with an authorised independent financial expert for guidance in association with your individual situation and particular requirements. A list of advisers in your local area can be found at www.unbiased.co.uk.