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How to get cheap car insurance UK

Cheap car Insurance UK

The average cost of car insurance in the UK is approximately £471 a year.   For drivers under 25, this could be considerably more. While over-50s, with a good track record,   could enjoy much lower premiums.There are two main costs associated with car insurance. The cost of your cover, this is your premium. And your excess, which is the minimum amount of money you have to pay out towards a claim.

Several factors can affect the cost of your premium including the drivers’ age,   the type of vehicle, your location, driving history and habits, your occupation and even your   marital status. You know what they say: “the key to a good marriage is two excellent drivers”.

 A lot of these factors will be beyond your control, including the fact that   in the UK you’re legally required to have at least third party cover as a minimum.   That being said, there are a number of additional factors that you can take charge of,   that can help you save on your car insurance.

1. If you’ve yet to buy a car or are looking to trade in your old model, you can save at the first   hurdle as the total value of your car is one of the main price considerations for your premium.   Where you can, invest in a cheap, safe and common vehicle, as expensive cars with limited security   features and rare parts attract high premiums.

2. If your policy is loaded with features,   drop any optional extras that don’t 

apply to you. If you won’t be pulling a  Trailer, for example, you won’t want a policy that 

makes you pay out for phantom trailer cover.

3. Increase your security. Consider fitting your car with an alarm or dashcam. Be aware,   though, that not all insurers will recognise all security systems,   so check in advance with your provider.

4. Off-street parking. Parking your car   in a secure location, garage or driveway can lower your premium, especially in high crime areas.

5. Consider reducing your mileage. Perhaps you could alternate between driving and using public   transport? And be sure to inform your insurer if your commute becomes dramatically shorter   for any reason. If you really don’t drive that often, it might be worth investing in pay as you   drive or temporary cover so you only pay for the miles you drive.

6. Only add drivers to your policy that regularly drive the car. If the usage is balanced between   drivers, consider putting the policy in the name of the safest, most senior driver.   Don’t try and use this to pull a fast one on your insurance company though,  As this could affect any claims you need to make.

7. To that point, it goes without saying that being a safe driver will help keep   your premium down. It’s easy enough to allow a few speeding points to creep onto your license.   But a long trail of fines and points will keep bumping your car insurance costs up.

8. If you do get into any scapes, avoid making claims on smaller expenses. It might work out   cheaper in the long run if you can afford to cover the costs of repairs out of pocket.   Maintaining your no claims, and your reputation as a safe driver, can make a big difference.

9. Shop around. You might think that greater cover naturally costs more,   but it’s always worth comparing comprehensive car insurance against third party, fire and theft and   other policies.

Your personal circumstances and the age of your car might make a difference to the level of cover you need. There are loads of insurance providers out there offering numerous   deals and discounts, so visit finder.com/uk to compare which provider would work best for you.

10. And finally, a potential way to decrease your premium is to   increase your excess amount. Be wary of making this too high, though,   as your insurer won’t pay out if you incur damages less than your excess. One of the key things with car insurance is to make sure your policy   suits your personal circumstances.

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