cheap, cheap car insurance

Car insurance can be cheap or expensive, depending on how you go about purchasing it. Knowing what factors affect your car insurance rates will help you in manipulating them to work for you. A little bit of strategy in your approach to the search for car insurance will help you find low insurance quotes.

First, choose your car carefully. Do not buy a car just because you like it. The type of car determines the kind of rates you get by more than 50%. All passenger cars in the UK are classified according to their safety level. Check what group the car you plan to buy falls into before making a purchase to get an idea of how much it will cost you to insure it. There are a total of 50 groups, with cars in the lower groups being safest and cheapest to insure. Buying a car then searching for the insurance later is not wise. Do your research beforehand and go for a car that will cost you less to insure.

Learn the art of comparing quotes. You will be surprised at how greatly rates between any two insurance companies can be. Each company has a unique way of calculating insurance rates, which can make the difference in prices as huge as £50 or more a month. Get on the internet and search for car insurance quotes through this expansive medium. Use comparison sites to gather multiple quotes at once and easily compare them. It is important to look at the cover, extras offered, deductible amounts, discounts available, excess allowed and payment options.

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Choose your car insurance policy carefully. Other than the minimum amount required by law, you need to have enough insurance to keep you and the car protected in the worst case scenario. Between third party, fire and theft cover and comprehensive cover, comprehensive will provide more extensive cover. But it is the costlier of the two. However, do not be blinded into buying a third party, fire and theft policy just because it is cheaper. It may turn out to be expensive in the long run. Use your car as a guide when making this choice.

If your car has a high value, third party cover is not a good choice. Suppose the car is badly damaged in an accident, you would have to meet the cost of the repair out-of-pocket, and this may be unaffordable. In this case, comprehensive cover would have been the better option.

If you do not use your car regularly, consider choosing short term car insurance, rather than long term policies. Short term policies range from one day to 28 days. Monthly car insurance policies are also available. You would only purchase the cover when you need to use your car, which turns out to be cheaper in the long term.