Blackpool Car Insurance Quotes

Blackpool car insurance quotes can provide local residents with the best deals on their vehicle coverage estimates. Getting good value from your motor insurance can be a bit of a challenge in England. The best car coverage policies can only be found by shopping around carefully. To save you both money and time, you can use an online broker to collect quotes on your behalf, leaving you to make the final decision about your insurance coverage in your own time and on your own terms. However you use your vehicle, there will be suitable Blackpool vehicle insurance quotes for you.

As the most popular seaside resort in the country, Blackpool sees its fair share of visitors. But that does not mean that you will want to stay within the Lancashire town all the time, despite the local attractions such as Blackpool Pleasure Beach and the Blackpool Illuminations. You may wish to travel on to Liverpool, Manchester or Preston, which are all within driving distance, or explore more rural aspects of this part of North West England. Knowing how you wish to use your motor will help you to predict more accurately the potential premium costs available from your Blackpool auto insurance quotes.

Car Usage in Blackpool

There are four different categories of vehicle usage which you have to indicate when applying for Blackpool car insurance quotes. The category you choose has an effect on your insurance premium because the more often you plan to use your vehicle, the higher your premium will be. For example, the lowest and cheapest category is for social, domestic and pleasure use.

This applies to everyday driving, such as going shopping and visiting friends and family. Not only are these journeys likely to be quite short, therefore limiting the time you spend on the road and therefore also limiting your chances of being in an accident, but these trips are also likely to be regular, so you will be familiar with the intricacies of the journey. The more familiar you are with the roads you drive upon, the less likely you are to become involved in an accident, so your Blackpool car insurance quotes should be reduced accordingly.

The next category of car usage involves commuting to your regular place of work. This includes parking your car at a railway station on a regular basis also, as leaving your car unattended for periods of time brings its own risk, no matter how good your security is. This category should represent the majority of drivers.

Quotes for Blackpool Business Use

However, Blackpool has a high number of self-employed people or small businesses that may wish to use their car much more than that. For these people, there is a further category for business use, which covers driving to sites other than your regular place of work. Blackpool car insurance quotes will be a bit higher for this category as it means that you are on the road more and may have to drive along unfamiliar roads. Your risk of accident in these circumstances goes up. The most expensive category is for commercial travelling, which tends to be for people who travel extensively for their work, for example sales representatives.

It is important that you tell the truth about your category of car usage when applying for quotes. If you get into a car accident while travelling to work, but are only covered for the first category of social, domestic and pleasure, your insurance company will find out and they will not pay out the money you are expecting. Even though your Blackpool automobile insurance quotes may seem high, losing those premiums through fibbing on your agreement will cost you much more money in the long run.

Lancashire No Claims Discount

One way of reducing your insurance quotes, no matter which category of car usage you fall under, is to apply your no claims bonus. If you have been driving safely for a number of years, your insurer will have rewarded you with a no claims discount. This discount is earned if you manage to drive for a number of years without having to make a claim and this can make a significant dent in your Blackpool car insurance quotes.

However, if you are gathering quotes because you wish to switch insurers, you may need to provide documentation to prove that you have indeed accrued the number of years without incident that you claim. In order to make this transfer as easy as possible, make sure you keep all your insurance documents in a safe place so that you can produce them for your quotes if required. In addition to car usage and your no claims bonus, you could also look at improving the security of your automobile to secure lower Blackpool car insurance quotes.

Find the Best Car Insurance Rates in the UK

Get Quotes

Car Insurance Quotes