Cheapest Auto Insurance Quotes

The cheapest auto insurance quotes or even comprehensive auto cover quotes are often to be found online. As you investigate quotes provided by a number of website services, there are a variety of factors that can contribute to the likelihood of getting the cheapest premium possible. You will need to be aware of these issues in order to get the cheapest auto insurance quotes and thus make savings.

Cheap Quotes

The cheapest type of auto insurance is third party only. This kind of policy is designed to meet the minimum insurance requirements needed by law in the UK. If you are a young driver facing expensive premiums due to inexperience, you may be tempted to circumvent the insurance requirement by driving without a policy. However, this is to be avoided as it is illegal in the UK to drive without adequate insurance provision. If you are caught, you will be fined and you may find it difficult in the future to get a decent level of vehicle cover, let alone the cheapest premium quotes.

Third party only does not cover you against the theft of your vehicle, so it may be a good idea to make sure that the cash value of your car is low. The lower the value of your motor, the lower your premium is likely to be. Your auto is also less likely to be stolen.

If your car is damaged beyond repair in an accident, third party cover will not provide you with compensation. It only covers the cost of damages inflicted upon other vehicles or people in an accident in which you are judged to be at fault. Therefore it makes sense to ensure that your motor is of low value as you will not suffer too much of a financial loss if you wreck it under a third party only policy agreement.

Age and Engine Size

Older cars are generally the cheapest to insure, so you can get lower premiums by avoiding the purchase of brand new cars. Old cars tend to have decreased value, which gets lower every year, but they are also thought to be more reliable than newer cars. They therefore attract the cheapest premium quotes.

However, if you have a very old car, the rules may not quite be the same. An auto which is so old that it qualifies as an antique motor can actually have a high cash value, which has the result of pushing up your premiums so they are not the cheapest anymore. You will also need to check your premiums regularly if you have an antique car, because the cash values for these types of auto can actually increase year on year instead of decrease. This means that your premium should increase very few years to cover the rising value of an antique auto. This can prove very expensive, so if you want to secure the cheapest auto insurance quotes, antique cars are to be avoided.

High performance cars also attract high premiums. A high performance auto, such as a sports car, can reach very high speeds and accelerate quickly due to its bigger and more powerful engine. This makes high performance cars high risk, because they are easier to lose control over. You are unlikely to find the cheapest auto insurance quotes if you have one of these cars.

Alternatively, if you have a small car, you are much more likely to find the cheapest auto insurance quotes. Small cars have smaller engines and are therefore easier to control as they have less power than a sports car. This makes small cars low risk vehicles and attracts more cost effective premium rates.

However, due to advances in modern technology, the distinction between the sizes of engines is no longer always clear. Some small cars now have very powerful engines in very small packages, so they can be deceptively powerful. The make and model of your car will help your insurer to determine the power of your engine, and this may affect your ability to obtain the cheapest auto insurance quotes. If in doubt, you can consult your owner's manual for accurate specifications.

Special Discounts

If you belong to a particular demographic, you may be able to secure further discounts on your insurance quotes. Women drivers can often receive the cheapest auto insurance quotes due to their good safety record on the roads, while mature drivers may also benefit. Mature drivers are usually defined as being anyone over the age of fifty and insurers view them as responsible drivers because of their long driving experience. Therefore, if you are a mature motorist, you can often acquire the cheapest auto insurance quotes.

Many factors can affect the cost of your insurance premiums. The most cost effective quotes can be obtained with a little thought and planning. You should soon find the cheapest auto insurance quotes.

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