Finding The Cheapest Car Insurance In The Uk
If you're a UK resident then you no doubt already know that car insurance is mandatory
. Get caught driving without insurance and the authorities are going to throw the book at you. If it's your first offence you'll probably end up with a few points on your license and a steep fine.Do it again and you'll be facing a ban. If you still decide to drive even after having been banned then you can almost certainly expect a custodial sentence. With the law being so strict in the UK, not many drivers are willing to chance driving without insurance, so of course a great number of drivers are forever searching for the cheapest car insurance available.
While many people will tell you that cheapest isn't always best, it's also not necessary to pay more than you have to. Finding cheap insurance in the UK is possible, but it'll probably require a certain amount of effort on your part. Let's go ahead and look at some of the things you need to be familiar with if you're serious about finding affordable cover.
Understand the Criteria:
Before you even start getting quotes from the different providers there are a few things which need to be looked at first. Irrespective of which insurance company you contact, you can be rest assured they'll take several factors into consideration before they give you a quote. For example, every insurance company will evaluate the theft risk on an individual basis.
If you car is usually parked in the road at night, rather than being parked under lock and key, then you'll inevitably end up paying more for your cover. The same applies if your car doesn't have an alarm or an immobiliser. No insurance company is going to offer cheap insurance if there's a strong possibility your car will be stolen.
If you only drive your car short distances then this is something else you can use to your advantage when looking for the cheapest car insurance. Providing you don't exceed a certain mileage, you may qualify for what's known as 'limited mileage' cover, so of course this is something you'll need to mention when you start asking for quotes.
After the Research Has Been Done:
Don't rush things. Take your time to familiarise yourself with all the things insurance companies look at. The more understanding you have as to the way in which insurance companies operate, the more chance you'll have of finding the cheapest car insurance. Only when you know what they'll be looking for should you begin getting quotes.
Also, if you get twenty or thirty quotes you'll probably end up so confused you'll be unable to make an informed decision. Instead, go online and browse a few insurance websites. Those you feel comfortable with should then be contacted in order to get quotes. Once you have five or six quotes then take your time to study them all properly.
After having had a chance to study a number of quotes you'll probably feel confident in choosing one in particular, but before you decide to sign anything, always make absolutely sure you understand all the different clauses.
Finding the cheapest car insurance is one thing, but you certainly don't want to end up being bitterly disappointed a few months down the line if you ever need to submit a claim.
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