About To Buy Your First Car? Compare Car Insurance Online Before You Buy!
They say you can tell a lot about a person by the car they drive, and when setting premiums, insurance companies consider the extent to which your choice of vehicle influences the risk of a claim being made.
So if you are about to buy and insure a car for the very first time, before you visit a car insurance comparison site, you’ll find it easier to find cheaper car insurance if you bear a few points in mind.
How To Make Sure You Get Cheaper Car Insurance Quotes
Firstly, if you want to keep your insurance premiums down, it’s best not to go for anything too expensive to replace or repair – the insurer’s one concern is how much it will cost them if you make an insurance claim.
A car insurer’s starting point for setting your premium is the car’s ABI Group (or car insurance group). All makes and models of car are rated and the lower the group, the lower the premium. So, for example, it would cost you more if you needed performance car insurance than it would to buy cover for a little runaround ranked in a lower group.
For that reason you might want to avoid buying a car with a large engine size. As well as being more expensive to run they also cost you more for your insurance. And if you are under 25 or driving for the first time, insurers will naturally see you as a greater risk at the wheel of a car than an older or experienced motorist.
Also don’t buy a car with the intention of souping it up or customising unless you are prepared to pay extra for your insurance. Any engine or bodywork modifications that stray from the manufacturer’s specifications will increase the cost of your first car insurance quote - be it fitting alloy wheels, bucket seats, and a spoiler or having a different paint job.
Features that will stand you in good stead with your car insurance company, are security devices such as an alarm system, immobiliser or tracker, which often come as standard on modern cars or you can fit them for yourself. Because they protect your car and reduce the chances of you having to make a car insurance claim they will help keep your premium down.
Compare car insurance rates online with thecomparisons.com to find the cheapest car insurance available for you.
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