Cheap Car Insurance

Many people have the false impression that car insurance premiums are expensive

, they often fail to realise that the car they drive is probably a significant factor in the cost of insurance.

Young drivers and new drivers are particularly prone to falling into the trap of wanting to drive a nice, new, top-of-the-range car, without wanting to pay the premiums these cars inherently demand. Well, if you want to drive the latest, fastest, shiniest cars, expect to pay a lot for the privilege.

If you are not looking to waste money unnecessarily, but want to find a good quality, cheap car insurance, then the best advice for a new or young driver is to purchase a small car for the first few years, and then build up your driving experience and your no-claims discount. This means that after a few years, the price of insurance for that nice shiny car you wanted will be a lot cheaper.

If you want to reduce your expenses, then you should consider the cost of insurance prior to purchasing a car. Car insurance companies rank cars in insurance brackets, the higher the car is located in the system, the more expensive the insurance premiums are going to be.

Factors that determine which insurance bracket a car falls into include:

Engine size: the smaller the engine, the slower the car, the less likely it is to crash.

Colour: believe it or not, certain coloured cars are more popular, meaning that they have a higher likelihood of being in an accident as there are more on the road.

The ease at which parts can be found and replaced; the more easily parts are to obtain, the cheaper they are because there is more competition between dealers, the insurance companies like this, because it means that they will not have to pay so much for claims.

Manufacturers: some types of car are more popular among car thieves, for example, and are more likely to be stolen.

Cheap Car Insurance

By: Rochelle Martinez

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