How to find the cheapest car insurance quotes
Finding cheaper car insurance takes effort. Sorry, but it's best to be honest. First, you have to put yourselves in the shoes of the insurance companies; what they look at is risk and the lower the calculated risk of you being involved in a motor accident the less you will have to pay for your insurance policy. You therefore need to reduce that risk in order to qualify for the cheapest premiums. Some of the factors that insurance companies take into consideration when working out a premium are outside your control; but some you can change.
What constitutes a low risk client to an insurance company?
Ideally you should be middle-aged with many years of accident and conviction free driving with a safe office job which involves working during normal office hours only. You should live in a peaceful, crime free neighbourhood and your home should have a garage which your car would be kept in overnight. During the day it should be parked in a secure parking area at your place of work. Your car should have a fairly small engine, have a good safety record, and be not more than a few years old. You should of course insure it fully comprehensively. You should be rewarded with consistently low insurance quotations.
What constitutes a high risk client?
Heaven forbid you should be a young driver under the age of 21 with a souped up modified hot hatchback, a string of speeding convictions and the odd major accident or two. If you also live in a crime ridden inner-city, have a full-time job as a professional footballer but moonlight as a weekend DJ working the local pubs and clubs until the early hours you may well be lucky to get any insurance at any price!
So, what can you do to keep your risk down?
It's unlikely that you can
change the place you live, and it is impossible for you to change
your age. You can however take the following major steps which will
encourage insurers to offer you lower premiums:
And finally ......
This should hardly need saying but I will anyway; drive carefully and within the law. Convictions and/or accidents can push up premiums to an eye watering degree.
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