Cheap car insurance premiums

You come across advertisements for car insurance all over the place – national and local press, motoring magazines, Television and direct mail all carry adverts for car insurance.

But these days, the Internet is undoubtedly the place where you will find the cheapest deals. It's all because the Internet is so competitive which serves to encourage discounting. That coupled with the ease with which you can get online quotations and buy within seconds. The whole process is so quick and easy.

But in one way shopping on the Internet does have a similarity with conventional shopping - in order to get the lowest premium, you'll have to compare and contrast quotes provided by a number of different brokers or insurers. Even on the Internet the difference between quotes can be massive - as much as 30% between the cheapest and the most expensive quote you'll find. But you can rest assured that the cheapest will be very cheap !

Car insurance quotes do vary hugely from car to car and from person to person. It's because your quotation will be calculated based on your personal driving history and the performance characteristics of the car you want to drive.

But do answer the insurer's questions honestly. If you tell lies then the insurance company has ways of finding out and as a result, your insurance cover could be withdrawn without notice or they could refuse to pay your claim.

When you get an online motor insurance quote, ensure you know what type of car insurance cover you want. You should also have a good idea of which optional extras you want, such as a courtesy car if your car is off the road following an accident. Most good web sites will provide information that helps you decide. Then if you do change your mind during your search, ensure you return and get a new quote from those insurers who provided a good quote first time round.

One last point. Even if an insurer gave you a poor quote last year, still try them again this year! Each insurance company tends to specialise on specific types of driver or car and from time to time they change their pricing structure. They need to in order to maintain their competitive position. So, never rule out any particular insurer.