Find Cheap Car Insurance in the UK

Car insurance rates in the UK are at an all time high, a state influenced by a number of factors. It will be sometime before we see the rates come down; but that does not mean you cannot get insurance at an affordable price. Before beginning your search for cheap car insurance, you must understand how insurance costs are calculated. Normally, the price quoted to you is based on a number of factors. You can of course limit your driving and buy short term car insurance from www.newzoid.com ; short term cover can allow you to drive as, and when, you wish to only. Knowing how each of these factors is used, can help you make them work for you so that you pay less than had initially been quoted to you. Below are the main factors used to set your price and how you can influence them to get a lower rate:

1. Type of car

Insurance companies consider a number of features in car you are insuring - the year of manufacture, the model and how safe the car is. This pretty much explains why there is such a disparity in the insurance rates between two cars used for the same purpose.

How to make this work for you

Choose a car that is considered safe if you want to enjoy lower insurance rates. In the UK, they use a car grouping system to determine how safe every vehicle is. All vehicles are categorized in groups 1 to 50, with 1 being the safest and 50 the most unsafe. The closer your car is to 1, the less you will spend insuring it. If your car is brand new, it will attract higher rates than an older model. If you are buying your first car, an old car will be cheaper seeing as you have no driving experience and therefore are candidate for high rates. An old car will somehow lower your rates.

2. Safety and location

Also among the factors that determine the insurance group of your car, safety is something insurers take very seriously. A car that is considered unsafe will cost you more to insure. Similarly, if your residential location or the area around where you drive the car is considered unsafe, you will attract high insurance rates.

How to make it work for you

If your car is not certified very safe, there is something you can do to make it make the cut. Install as many high-tech safety features as possible. This includes window etching (where your VIN is engraved onto the window glass), automatic seat belts, GPS tracking systems, alarms and any other safety device you can get.

Change residence if you have to but do not let the insurance company find out that you stay in a crime-prone zone, except if you never keep the car at home. Have a safe, lock-up garage where you can park the car at night and when not in use.

3. Driving experience and record

The longer you have been driving, the cheaper your rates get. If in addition to your driving experience you have maintained a clean driving record over the years, you get even lower rates and a No Claims Bonus.

How to make this work for you

If you have no driving experience, there is nothing much you can do to change the status. Mercifully, it is a short term problem because you start gaining experience as soon as you start driving. The best you can do is list someone with more experience and a good driving record on your policy; and indicate that they will handle most of the driving. That will lower your rates.