When you are looking for car insurance you need to consider a number of factors beforehand.
What you need to look out for:
What you end up paying depends on several factors, such as:
- Your age
- The area in which you live
- Your marital status
- What car you drive
- How you use your car
- How long you’ve been driving
When you send your information to insurance companies you need to know your coverage types and what kind of cover you are looking for.
How can you get the most affordable car insurance?
Consider your choice of car
High value cars mean that you will have to pay higher insurance premiums. Your car’s value, type and engine size make a significant difference.
Fitting a security device
By adding extra security layers to your car, this may get you a cheaper quote.
Compare the types of cover
Remember that cheaper isn’t always better. Make sure that you check the different cover types that are available.
Increase your voluntary excess
Excess is the first part of a claim that you are liable for paying. If you choose to pay higher excess this may result in lower premiums.
Check your mileage
If you don’t travel often, you may be regarded as a lower risk client, which may get you a lower quote. You may even qualify for a specific insurance type that will be suited to the way that you use your car.
Check for any discounts
Some insurance providers offer discounts to individuals who use their online platforms to obtain an insurance quote. Check to see if you get any discount this way.
Your gender does matter
Insurance providers are more likely to charge you a higher insurance premium if you are a male driver. If you are under the age of 25 you will pay more as well.
