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Cheap Car Insurance Companies

Many more people are buying cars nowadays, as they take advantage of the zero-interest loans offered by manufacturers and dealers. This spurt in the automobile buying market has also fuelled a growth in this sector-there are many more companies now that offer cheap car insurance policies than there were earlier. Many companies also deal with specialised segments of the car buying market-some insurance companies only offer to women drivers at a 10 percent discount.

Why is it that women get this discount? Insurance companies quote studies that show that 90 percent of drunk driving accidents involve men. Women in general and married women in particular tend to be careful drivers, whereas men tend to be more aggressive behind the wheel. They also tend to drive more rashly when late for an appointment. Maybe male drivers should pay attention to these statistics-not to drive when drinking and to drive carefully at all times. If you are looking for an inexpensive policy, this is one case where it would help if you were a woman!

If you have bought a car and had it modified, you may not be able to get a cheap car insurance quote. If your company has a policy for modified cars, they will first assess the changes made under the label of loading, convert the loading into pounds and then quote a premium. If you have modified an expensive car, your premium could be high, whereas if the car you bought was inexpensive, both the loading factor and the premium could be significantly lower.

If you are on a budget and need a cheap car insurance policy, you should begin by calculating the annual mileage on your car. If it is less than 12,000 miles, you can ask for a reduction on the premium. You can also get a discount if you do not use your car for long-distance journeys. Your premium will drop significantly if you park your car in a garage, and not on the street or on a drive. Your premium will also drop significantly if yours is a one-car family and more than one family member uses the car. You can also waive the hire-a-car offer in case of a claim and use public transport instead-this will reduce the premium you pay.

The cheapest policy you find should protect you against bodily injury and property damage liability, provide personal injury protection and insure you against collisions with other vehicles. It should also protect you against theft, fire, explosion, self-ignition, riots and strikes, if not against force majeure, such as floods, cyclones and earthquakes.

View the UK Car Insurance Guide