The premium you pay to insure your car depends on many factors:
- The make and model of your car
- Your age
- Your gender
- Your driving history
- Yearly mileage clocked
- Where you live
- Where you park the car at night
- Who else has access to the car
A will charge higher premiums from those living in inner city areas where the threat of accidents or theft is considered greater. They also have higher premiums for those driving flashy and expensive cars, those who allow teenagers access to their vehicles and those convicted of motor offences like speeding and drunk driving.
Women and policyholders above 50 years of age are charged lower premiums - because car insurance companies find they file fewer and less serious claims. Those who drive less than 12,000 miles a year and motorists living in the country also have car insurance policies that are lighter on the pocket. Limiting the number of drivers to one or two and installing security devices in the car helps keep the premium down.
The most popular form of car insurance in the UK is the comprehensive policy that covers you in the event of an accident or other damage. Also available is the third party only policy that covers you for compensation in case your car damages another person's property. But it does not insure you or your vehicle. Third party fire and theft covers your vehicle in case it is stolen or damaged in a blaze. Read more about .
Before you select a policy through car insurance online quotes, do remember to check with the insurance firm regarding the amount of excess, which is the sum you would have to initially pay from your pocket when a claim is made. Also ask whether the policy would cover your car in case of a roadside breakdown and if you could take the vehicle to your preferred garage when a claim is filed.
It makes good sense to get car insurance online quotes ahead of buying a policy to make an informed choice.
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