Cheap Car Insurance Rocks

Welcome to Cheap Car Insurance Rocks, the site that gets enthusiastic about finding you a cheap car insurance deal.

In the table on the left you will find some of the leading providers of cheap car insurance quotes in the UK.

In these days of the credit crunch, it's more important than ever to find a cheap car insurance quote. Comparing car insurance quotes from many providers can help to make sure you pay no more than necessary. However, we have found that Swiftcover is usually extremely competitive on price.

Cheap Car Insurance Providers

They search to find you the cheapest car insurance quote from their panel of approved insurers. If your car is less than 12 months old when seriously damaged, it gets replaced with a new one. Get a Car Insurance Quote from the RAC

Tips for Getting a Cheap Car Insurance Quote

Compare car insurance quotes from a number of providers we have given in the table at the top left of this page - it pays to shop around. Each car insurance company has very different criteria for providing car insurance quotes, and many will have a particular type of person that they prefer to insure, so make sure you compare car insurance quotes to get the best quote that you can.

Get some insurance quotes before deciding what car to buy. You may be surprised by the quotes you receive. A given insurance company calculates premiums for a particular car model by statistical analysis of its past claims for that model. You may find that some quotes on small engined relatively low performance cars can be surprisingly high, and that some quotes on larger engined relatively high performance vehicles are surprisingly low, it all depends on the history of past claims at that insurance company.

Don't make any modifications to your car. Any modifications, including engine remaps, can increase the cost of your insurance. Many modifications will add between £20 to £30 to the cost of your insurance.

Setting a larger voluntary excess on your policy can reduce your premium. A voluntary excess is an additional amount (on top of any compulsory excess) that you have to pay in the event of a claim. e.g. you might have set a voluntary excess of £100 which means if you had to make a claim for £500 of bodywork repair to your car, then £100 would come off any settlement

Note also that if your car is a write-off, the excess will be deducted from the settlement offer.

When obtaining a car insurance quote online, there are sometimes a number of job titles that could be equally applicable to you. Any job title you pick must of course accurately apply to you, and you must be truthful in your declaration, but where a number of job title options are equally valid it is worth seeing whether they have any effect on the premium you will have to pay.

Drive carefully to retain your no claims bonus, as this can really help to keep your car insurance quote low.

What Factors Can Affect a Car Insurance Quote?

Your choice of car. Smaller engined cars tend to be cheaper to insure.

Your postcode is probably the biggest factor that affects your car insurance quote. Even between local neighbourhoods there can be big variations, as an insurance company will use statistical data of past claims to calculate the risk associated with your particular postcode.

Car modifications such as alloys, performance exhausts and air filters can increase the quote. Many mainstream insurers will accept the modifications but will only replace with standard parts. If you want like for like replacement for modifications, you may need to look at specialist car insurers.

Your job. Certain professions present far more risk to the car insurance companies and therefore the job that you do can have a significant effect on your car insurance quote. When getting your quote, if there are a number of job descriptions that are equally applicable, remember to see the effect of each job description on your premium.

Fitting security devices can bring the cost of insurance down.

Common Car Insurance Exceptions

If you intend to race your car on a private racetrack, e.g. Thruxton, Silverstone, or the Nurburgring in Germany, your standard car insurance policy is unlikely to cover you and you will have to arrange car insurance cover separately.

Thanks for visiting our Cheap Car Insurance Rocks page. We hope it helped find what you were looking for.