Sunday, September 2, 2007

The Secret To Cheap Car Insurance


Need tips on getting cheap car insurance? Read our car insurance guide to learn how to find the cheapest motor insurance quotes and obtain the cover that best suits your motoring needs. Understand how UK car insurance companies operate and how your personal circumstances affect the cost of your insurance. If you're a woman, young driver or performance or classic car owner there are a number of factors that can help you reduce your car insurance premiums.

Quotes for less

There are many different ways to get a car insurance quote. There are numerous online services where you simply enter your details once and it will search over 300 insurance prices from the top providers to give you a range of the cheapest quotes on the market, saving you both time and money at no extra cost. Whether you require young driver car insurance, women's car insurance or simply a competitive car insurance quote, you can sort it all out online. Most of the online services do not charge as if you take out an insurance application through their site they earn a small commission so they are more than happy to assist. When you get a cheap car insurance quote remember that the price is only half the story.

Know your discounts

You may be surprised to learn that a lot of insurance companies will provide you one or multiple discounts on your insurance premiums based on your circumstances. For example you can earn multiple discounts for safe driving, being a member of a motorcycle organization, and more. Once you reach 5 years' NCD of course your discount will be guaranteed. You must have 5 years' no claims discount and no claims in the last 3 years. In fact, even if you have been driving on someone else's insurance, companies can normally offer the equivalent no claims discount on your new policy.

A lot of policies are provided by some of the best-known names in UK insurance, and because of their industry standing some insurance brokers are able to negotiate favourable deals that aren't available to the general public. Find out about our 15% discount for RAC Members. Some insurance companies will give you a discount if your car is parked in a garage or behind locked gates at night. If you're not entirely satisfied with the quote, ask for a discount. If you buy your Car Insurance policy online, you get up to a 20% discount on your first year's premium. Low mileage discounts can also apply to drivers who car-pool to work.

You can also benefit from lower premiums if you are over a certain age e.g. 50 and you only drive a small amounts of miles per year.


Applying for car insurance online saves not only time but it also saves money and energy in searching various car insurances. The good news is that there are different levels of car insurance cover available, so you can find the right cover to suit most needs, circumstances, and budget. You will find that the cost of car insurance can vary widely from one provider to another, and it is therefore important to compare cover from a number of providers in order to find the most affordable cover.

Paul Haughney is a car insurance specialist who provides male car insurance tips and best insurance reviews.

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