Making sure you get a good deal on your car insurance

Cars can be an expensive thing to run. You will not only have to pay out for the initial purchase of the car but there is also running costs such as MOT’s, fuel, repairs, services, tax and insurance.

As a car owner it is your responsibility to ensure you have a valid insurance policy with an adequate level of cover for you and possibly your named driver. Driving a vehicle on a public road without insurance is a serious offence and if you get caught you may have your car taken off you, have to go to court, have your license withdrawn or points on you license as well as have to pay a hefty fine. This can also then make obtaining car insurance very hard as some insurers will simply refuse to provide you cover and the ones that do will hike up the price.

Prices can range from a few hundred pounds, into the thousands especially for the inexperienced driver, young drive or one that have endorsements on their license. For an 18-year-old who has just passed their test, they can expect to pay close to £1500-£2000 per year for their insurance. As you get more experience and as you build up a no claims discount, this price can come down year on year. There are many things that are considered when applying for car insurance that can affect the price you are quoted. Where you live has a big impact on your insurance. If you live in a high car crime area, then your insurance is likely to be higher.

Having points on your license or a claim will also push up your premium often by quite a bit. By using a comparison site, you are sure to find the best deals online without having to obtain separate quotes from each company.