Low Cost Car Insurance



Low cost car insurance is a rapidly growing segment of the UK car insurance market. Customers are tired of paying what have traditionally been among the highest car insurance prices anywhere in the world and finally, now that low cost car insurance policies are being released, they are being taken up extremely rapidly.

Due to increasing competition in the UK car insurance market, insurance companies have been forced to step up their game. Competition has come not only from more UK insurance providers but also from an influx of foreign insurance companies, all eager to get a proportion of the car insurance market.

To this end, car insurers have been making offers that would have been unthinkable just a few years ago. Car insurance discounts have been hitting the market constantly. Also, with new low cost insurers arriving on the scene almost daily, such as Zurich, Tesco and Boots, it is reasonable to expect that the low cost car insurance offers that we have been seeing in recent months and years are only going to continue.

Where to shop

If you are interested in getting low cost car insurance then you should be prepared to shop around. There are literally hundreds of low cost car insurance policies out there, and even more that purport to be, so the only way to make sure that you are getting the very best prices available, is to do your homework. This is where the Internet becomes extremely useful to you. Using online websites that specialise in searching through all the insurance options out there, you can find out very quickly what is available. Most people are too busy to spend the hours that it would take to look through all the car insurance quotes that are out there and so using these types of websites can be very useful indeed.

Cut cost not corners

Low cost car insurance does not necessarily mean that you have to settle for less cover. Most people are familiar with the means of classification used to break down car insurance. Car insurance is broken down into three groups:

  • third party only cover
  • third party fire and theft cover
  • fully comprehensive cover

These three classes are the main different types of car insurance cover that are available. If you are looking for low cost car insurance, it does not mean that you cannot have a fully comprehensive car insurance policy. All it means is that you will be looking for low cost cover that is also fully comprehensive.

So why can companies offer such low cost car insurance? Well, the first thing to be aware of is that you will still have full car insurance from a reputable insurer. You are not compromising on this aspect of the insurance at all. What you may find however is that only certain groups of driver qualify for the low cost cover. This will traditionally mean women, or older more experienced drivers. Young men are statistically the most likely drivers to be involved in an accident and therefore they will pay more for their car insurance. Also, some higher risk vehicles, such as fast sports cars with large engines, or very expensive cars, will also not qualify for the low cost cover.

Car Insurance Quotes


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