Looking for affordable car insurance? You have come to the right place. Using a price comparison engine to look for car insurance quotes could save you a great deal of money and will only take you a very short time.
Every one of us is different. We have different driving experience, cars, addresses, jobs. All these factors and more affect how much we are expected to pay for car insurance. However how these factors affect the premium varies from one insurance company to another. This is why we get widely different premiums when we compare prices with multiple insurers.
It is actually very low priced compared to insurance in many other countries! This is because competition between insurance providers is intense, partly because of the ease of using price comparison systems such as ours.
Many motorists, particularly those who are younger or just less experienced, can find premiums to be very expensive or even unaffordable though. This is because insurers feel that they are at greater than average risk of being involved in an accident. The best way to reduce these premiums is to reduce your risk factors but this is not always possible. Often the only way to get the lowest possible price is to compare as many as possible from different insurance providers.
Insurers have records of accidents going back for many decades so they can pinpoint features which statistically affect not only the likelihood of individual motorists being involved in claims, but also the likely cost of these. The major ones are:
All cars are rated by Thatcham Research, which is a company set up by the motor insurance industry to help reduce car insurance costs and increase safety standards. Nearly all modern cars are rated from 1 to 50 (one being the group least likely to be involved in accidents) by Thatcham and you can check individual car ratings on the Thatcham website.