Read on to find out which factors are looked at by car insurers when determining your car insurance estimate and what you can do to help get the cheapest car insurance.
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Your age. Young drivers are statistically more likely to have an accident and make a claim, and therefore have to pay higher insurance premiums.
Your driving record. If you have got points on your licence, such as a speeding offence, or a driving conviction you’ll have to pay a higher premium as car insurers will consider you to be more of a 'high-risk’ driver.
Your previous claims. Car insurers reward drivers who don’t make claims on their car insurance with a no-claims discount, which means the less you claim, the less you potentially pay for your car insurance.
Your excess. In general, paying a higher excess — the amount you’d have to pay upfront if you made a claim — will mean paying a lower premium. However, you need to make sure that you're able to afford to pay the excess if you do need to make a claim.
Your security. Installing security devices such as a high-tech immobiliser will help cut the cost of your insurance premium.
Your level of cover. The level of cover you choose will affect the price you pay. While third party insurance offers the lowest level of cover, it's not always the cheapest option. For the best chance of finding a cheap quote, compare all the different types of cover available (comprehensive, third party fire and theft and third party only).
Your car. Factors like the age of the car and the size can affect your quote from insurance providers. Read our guide to find the best car for cheap car insurance.
Your postcode. Where you live can have positive or negative or negative effect on your premium – for example, if you live in an area with a high rate of crime, your costs are likely to be more expensive than in other lower risk areas.
Your mileage. Lower annual mileage can lead to cheaper car insurance, so try to be as accurate as you can when getting a quote.
Your parking. If you park in a garage or driveway you can expect cheaper car insurance than if you park on the road due to the reduced risk of theft.