Choosing the best UK car insurance company can be a real challenge.
First of all, you have to have a basic understanding of how car insurance in UK works, so you know what kind of coverage you need.
If a tight budget is a concern (which so many of us contend with), it also helps to know how you can go about stretching your insurance dollars to give you the best insurance coverage for the lowest price.
For instance, one of the quirks of the UK insurance scene is that
generally speaking, your insurance bill grows with the size of your
Basically, smaller cars are cheaper to insure in the UK than larger cars. That's a good rule of thumb to keep in mind if you are considering purchasing a new vehicle.
Another way to save money when looking for a UK auto insurance company is to have the latest security features installed on your vehicle.
Imported cars will usually cost more to insure since parts are scarce and will cost more to replace should you end up in an accident.
If you're lucky enough to have a garage for off-road storage, be sure to mention that to bring your premiums down a little. Safe storage is always an advantage.
One very important point that I learned when researching car insurance in UK is that you must be covered specifically for different types of driving.
I'm originally from the US, and there you are most commonly insured for any time you are driving your vehicle, regardless of the purpose.
But when it comes to car insurance in UK situations, if you are in an accident while driving your automobile to commute, when you've only purchased insurance for social, domestic, and pleasure use, they don't have to pay your claim.
Yikes! That is a very necessary bit of information that all UK drivers need to know. Don't try to save money by making false statements of how you will be driving. It could come back to bite you down the road.
When you compare insurance rates from different insurers to find the right UK car insurance company for you, be sure to include the relevant details that allow you to claim the lowest possible rates.