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Cheapest Car Insurance
There are certain factors that can influence the quotation for the cheapest car insurance that can be controlled by you.
Cheapest car insurance is not a figment of imagination; it is for real as proved by car insurance quote reports showing a comprehensive
cover as low as 96% per year. Check Uswitch Car Insurance on go market compare website.
But all drivers cannot hope to be as fortunate as what might be considered cheap car insurance for one person might not be so for
another.
A few factors are listed that determine the quote for your car insurance and factors that you can control to get inexpensive car
insurance.
Determinants not under your control
Age- It is believed that young drivers are more inclined statistically to meet
with an accident and claim insurance, thus they need to pay higher premiums for insurance.
Driving record- If your driving conviction or licence has got points, then you can be considered a “high-risk”
driver and will need to pay higher car insurance premium.
Previous claims- Drivers who have not made previous claims are rewarded by
insurers with a ‘no claims bonus’ that implies that you are expected to pay lesser for car insurance if you have fewer claims.
Determinants under your control
Excess paid- If a higher excess is paid, that is the amount required to pay
in case of claim upfront, then the premium will be lower. But it should be made sure that you can afford the excess amount in case of making a claim.
Security devices- The insurance premium will be cut down upon installation
of security devices like high tech immobilisers.
Level of cover- The price you pay depends on your choice of cover level. A
comprehensive cover turns out more expensive while third party is cheapest but that may not be the case always.
Other determinants affecting premium
Postcode- The premium is affected positively or negatively by the area you
reside in. For instance, the premium will be more if you live in an area of high crime rate compared to elsewhere.
Mileage- Car insurance can be low if the annual mileage of the car is low,
thus getting a quote can give accurate mileage.
Parking- Car insurance can be cheap if your car is parked in a driveway or
a garage compared to parking on the road where the risk of theft is high.
