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Car Insurance – Guide & Tips

Car insurance premiums vary according to a number of different factors. The car you are driving, the age of it and your own age come into play when it comes to an insurance company working out the amount you will have to pay each year or month. It is law in the United Kingdom to have insurance for your car and you cannot drive without it. But you may be wondering how you can find cheaper car insurance.

There are many companies providing car insurance and it is up to you to try to get the best deal. The best way to do this is to use a comparison website as this is where you will find a host of quotes from a number of different providers. However there are a number of things that can help to lower your car insurance quote.

The type of car you drive. If you want cheap car insurance then this is something that you will have to consider when buying your car. Insurance is higher for luxury cars as they are likely to get stolen or broken into. However you will be more likely to get a cheaper quote if you have security measures in place.

Your driving history. It is important that you do not have points on your licence if you want your insurance quote to be cheaper. This will be taken into account when your insurance quote is calculated. Make sure that when you are driving, that you take care at all times and that you obey the rules of the road. If this is your first insurance premium then you may be met with a higher quote but each year it should reduce provided you have a clean licence and have not made any claims.

Your excess. The amount of excess you pay when making claims can determine the price of your premium. The higher you are prepared to pay yourself towards any repairs etc, the lower your insurance premium is going to be. Taking on a higher excess is only recommended for those who are really confident about their driving. It can be terribly expensive to have to pay out a large excess if you are unfortunate to have an accident.

Remember there are plenty of cheap car insurance providers out there but you have to look around to make sure that you find the best one to suit your needs.

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