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Lucy F, Bradford UK
Car Insurance

Cheaper Car Insurance Quotes

Cheaper car insurance quotes are common wishes for many motorists, whether they need to make room in their budgets or for increased deposits in savings accounts. For some drivers, cheaper car insurance quotes seem like an impossible goal, but all drivers must have auto cover in the UK, expensive or not. Thankfully, there are several tiers of insurance and even more ways to reduce the cost of each category of auto coverage.

The price reflected in any auto insurance quote rotates around two primary issues: The level of coverage is one half of the formula, and the risk factors – the odds of a claim being filed – compose the second half. Each motorist, regardless of experience, auto protection type and driving history can influence the costs of auto coverage premiums to one extent or another, both right away and later on in the carrier-to-insured relationship.


Keeping their auto mobiles out of harms way as much as possible may seem a simplistic method of saving money, but it is an effective one. Since the risk of vandalism and theft is one factor of premium computation, the more you reduce those risks, the lower your insurance premiums might be. Parking in a locked garage, for instance, using Thatcham-approved security devices and driving the car as little as possible are all ways to reduce the chance of a thief breaking into your car or stealing it. If you install enhanced vehicle security, notify your auto cover carrier. You might receive a discount immediately.

Driving your car less frequently aids your premiums in another way: The less you drive it, the less chance of it being in an accident, and that reduce risk may result in a discount as well. You reduce the risk of causing an accident or being victim to one, and the carrier will show its appreciation for that reduced risk by passing along to you a reduced price, something everyone can savour.

Driving safely is a primary method of falling insurance costs. New drivers can take the Pass Plus course to enhance their knowledge and experience for a sizeable driving education discount. Experienced drivers might pass a very intensive test for an advanced skill licence that most insurance companies definitely reward. Any course or instruction that is recognised by your insurance carrier, even if it’s a refresher course, may reduce your costs for car insurance, for you become a safer driver.

No Claims

Driving a full policy term without having a claim filed against your auto cover will usually result in a no claims bonus. Many carriers reduce a renewal policy premium by up to 10 per cent on the first reduction, a very noticeable drop. Additional safe driving bonuses usually aren’t that steep, but over time, year after year, you can accumulate no claims bonuses to reduce your premiums by up to 70 per cent.


No matter how many discounts and bonuses you receive, starting with a higher cover price will result in a higher discounted price, so start with the cheapest auto cover possible to enjoy the lower end premiums. When those bonuses and discounts are added, you have a lower total reduction. Find the cheaper car insurance quotes for the level of cover and other factors for the best starting price.

The fastest and most efficient way to shop for cheaper car insurance quotes is to compare multiple quotes from multiple, leading car cover providers in your area. Enter your information, the car information, choose your benefit level and ask for quotes. If none of those given are to your liking, you don’t have to purchase anything. Simply ask for another set of quotes. Compare plans, compare prices then choose the best package for your premium dollar. Cheaper car insurance quotes don’t always mean the first ones you find. They’re simply the ones you look at more closely.

Get a new quote >> Get a new quote on your car insurance premiums today