In order to keep your car insurance premiums to a minimum we have put together a checklist or guide for you which will tell you the major factors which influence things.
Your Location
Where you live (and park your car overnight) will have a huge affect on your car insurance premium. Built up areas that are rife with crime will destroy your chances of reducing your premium unless you have a secure off-road garage and actually use it on a daily basis. Rural areas will usually see a healthy reduction in policy price.
Your Car
The type of car you drive is a major contributor to your premium. Fast cars will be much more expensive as the insurance companies take a view that you actualy drive the car faster. Also faster cars are usually more expensive to repair which again ushes your policy up.
Your Age
Younger drivers will be hit drastically regarding their car insurance premium due to their inexperience on the roads. The only way you can combat this is to build your no claims bonus which will in turn counter the premium price over time.
Your Gender
Yes lads it’s not good for you. All that pent up aggression and testosterone behind a steering wheel will usually increase your policy by a whopping 20% in comparison to the girls. Just one of those things that have to be accepted even though it seems very unfair to bran every male driver as a horsepower hungry, road raged animal.
There are far more factors to take into consideration regarding your car insurance premium however the above few will have the greatest impact on price overall.