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Use our online form to request a car insurance quote and we will find you the cheapest offer on the market, tailored to your particular circumstances. Please note that the accuracy of the quote will depend on the information you supply to us. The cost of your car insurance depends on several factors, so filling in all of your details will enable us to find the cheapest car insurance quotes.
For a start, we need to know what type of car you want to insure. An Austin Mini will be cheaper to insure than an Aston Martin, simply because of the car insurance group it belongs to. Cars are placed in bands of 1 to 50 for the purposes of car insurance, with band 1 being the cheapest and band 50 being the most expensive. The band your car is placed in depends on several factors, such as the cost of replacing it with a brand new model, the cost of repairing it, the performance characteristics and other factors. A high-performing Aston Martin (in band 50) is obviously going to be more expensive to replace than an Austin Mini with a small gear box (in band 1) and consequently will be more expensive to insure.
Cheapest Quotes For Car Insurance
Next, your personal circumstances will have cost implications for your car insurance, including your age, gender and the area where you live. Statistics show that the majority of road traffic accidents involve younger drivers and a slightly smaller number involve elderly drivers. Consequently, drivers in the young or elderly age groups will have to pay more for their car insurance. Women drivers are less likely to be involved than men in a road traffic accident however, so women will have to pay less for their car insurance than men in a comparable situation.
The area where you live, as defined by your post code, will also have cost implications for your car insurance. Some post codes will have a higher crime rate than others, for instance. The kind of work you do and your annual mileage will also be taken into account. A professional DJ or soccer player who may travel the country several times over in the course of their work will have to pay more for their car insurance than a teacher who drives a few miles to school in term time.
There is also your personal record to take into account when calculating risk and hence the cost of your car insurance. Have you had any previous convictions? Anyone with points on their licence for dangerous driving or drink driving is going to pay more for their car insurance. On the other hand, a no claims record for five years will give you a significant discount on your car insurance.
Finally, your car insurance quote will also depend on the type of cover you want to buy. You are required by law to have as a minimum a third party car insurance, which will cover you for any damage you may cause to other road users and their vehicles in the event of an accident. Third party fire and theft car insurance will also cover you should your car be stolen and a fully comprehensive car insurance will give you even more protection, including cover in the case of accidents where you were to blame.
There are some things you can do to reduce the cost of your car insurance and one of them is to use our services. Our expertise can save you time and money and provide you with the cheapest quotes for car insurance on the market.