While a ‘one-size-fits-all’ car insurance policy doesn’t exist, there are steps you can take to find the best car insurance deals for you.
Car insurers calculate premiums using a range of factors including age, driving experience, occupation, and car usage. As a result, the best car insurance deals for one driver could be wrong for someone else.
At its most simple, car insurance covers you if your car is stolen or involved in a road accident. It also protects other road users if you cause damage to their vehicle or property.
The cost of insurance – your premium – is based on how much of a risk insurers perceive you to be. For example, if you are a youngster ready to hit the highway after just passing your test, or you have had more than a prang or two, you will pay more.
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However, if you can prove you are not a risk by keeping accident-free and storing your car safely, you will pay much less.
How To Get Cheap Car Insurance
There are a number of different things you can do to help cut the cost of your car insurance premium and get cheaper car insurance, including:
- Paying a higher voluntary excess (the extra amount you’d pay in the event of a claim)
- Limiting who drives your car to just yourself, or you plus a named driver
- Parking your car in a garage or driveway away from the street
- Keeping your mileage low (doing less than the average of 8,000 miles per year according to the National Travel Survey)
- Fitting a security device such as an alarm, tracker, or immobiliser
- For more ideas on how to reduce your insurance costs, read our car insurance guides.
Getting the best car insurance deals for your car
The make and model of your car can be a hugely important factor in determining the cost of your car insurance cover. Each car is sorted into an insurance group, based on its value, power, and cost of repair. The lower a car’s insurance group, the less it typically costs to insure. You can learn more in our guide on car insurance groups and the cheapest cars to insure.
Whatever car you drive, it’s worth considering all types of cover (comprehensive, third party fire and theft, and third party only) to get the best car insurance deal for you. Take a look at our dedicated guide to learn more about the different types of car insurance policies.
If you have a high performance vehicle or classic car then the best car insurance companies for you will be specialist providers who understand the risks.
Classic car insurance quotes will usually take into consideration the costs of replacing original parts and general maintenance.
Cars with cosmetic or mechanical modifications also tend to be more expensive so steer clear of these if finding the cheapest insurance deals is the most important factor for you.