UK Car Insurance Quotes Are Soaring!

An Online Car Insurance Quote Will Get You The Best Deal!

The quotes on UK motor car insurance premiums are soaring and don't we all know it.

However, the difference between UK car insurance quotes can be quite substantial, therefore, it is in your interest to shop around online for the best deal, and also understand the factors taken into account when calculating a UK motor car insurance quote. Expect no claims discounts if you are a policyholder with a claim free record. However, each insurance companie's no claims discount structure varies from 30% for one claim free year up to 70% after four or five years.

If you have a driving conviction or a poor claims history, protecting your no claims discount doesn't necessarily mean a cheaper car insurance quote. The number of drivers listed on the policy, their ages, genders, occupations, their driving records and accident claims histories will either adjust car insurance premium quotes upwards or downwards.

Drivers involved in a high number of car accidents and young drivers will often receive higher insurance quotes. Some car insurance companies will not insure convicted drink drivers and those who do will increase the premium quote by as much as 100% and possibly reduce the level of cover.

Depending on the insurance company ordinary motor convictions such as speeding offences can also increase the premium on your car insurance quote.

Where you live is a very important factor in deciding how much your car insurance quote will be. For example, residents living in cities with high crime rates can expect to pay more for their motor car insurance because greater numbers of claims are recorded.

If your car is kept on the drive or in the garage overnight this may help to reduce your car insurance quote.

Although obvious, the type of car you drive is a very important rating factor as far as insurers are concerned, so much so each model is given an insurance group rating between 1 and 20. Low number insurance group ratings generally means a cheaper car insurance quote and therefore a cheaper premium.

In terms of motor car security it helps to reduce premiums if the car is fitted with an electric immobiliser or alarm system or tracking device as some insurers will provide generous discounts.

If you hold a clean driving licence and have not made a claim in the last five years, passing the Institute of Advance Driving Course may entitle you to additional discounts. Increasing your claims excess (the amount you automatically pay in the event of a claim) can sometimes reduce premiums. However, tread carefully, as you may have to find a large sum of money in the event of a claim.

The number of miles driven each year and the use your car is put to also counts as a rating factor. High annual mileage and using your car for work will inevitably increase your car insurance quote.