When you get a quote for cheap car insurance, insurers will ask you what you use your car for - social, commuting or business (or any combination of these). In the event you don't use your car for business purposes or obtaining to work then just tick "social" and your premium will be cheaper. You'll also be asked your annual mileage and much less miles usually outcomes in a cheaper premium.
Among the questions insurers ask applicants is where they generally park their car overnight. Securing it in a locked garage will be the greatest option but parking it off-road on a driveway or in a private space is good too. Also make sure you fit an immobiliser and car alarm. Your postcode is an additional cheap car insurance factor - but not 1 you are able to do a lot about. Insurers will hike your premium in the event you live in what's deemed as a high risk region such as a city centre or an area having a high crime rate.
Cars are given an insurance group ranking based on the level of risk involved with each car kind and group (based on likely repair costs). Generally, high-powered performance cars will be within the highest priced group, whereas a little car will be generally lower ranked and therefore ought to attract cheap car insurance. Also, go simple on the modifications - noisy exhausts, "go faster" stripes and souped-up engines will all add pounds to any insurance quote. A car alarm or immobiliser, however, will lower the cost.
Surprisingly adding another driver to your premium can decrease what you pay. Older cheap car insurance drivers having a good driving history - perhaps 1 of your parents - are best. Married or co-habiting couples also pay much less than singletons, so if you are coupled up make sure you tell your insurer.
If you're like many people of this generation and commute much more to a coffeemaker than an actual office ask about low mileage discounts. Car insurance rates are based on mileage that assumes a driver commutes every day to work but if you function from house and drive much less than 5,000 miles annually it's feasible to save up to 50% or much more with a low mileage cheap car insurance discount.
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