Getting a really cheap car insurance quote

Owning a car is getting increasingly expensive. Just think of all the outlays - tax, MOT, servicing, fuel, repairs, breakdown cover, motor insurance.the list goes on. You can't do much about all of these expenses but one cost you don't have to grit your teeth and bear is that of your car insurance policy.

Surprisingly, not everyone looks for a cheap car insurance rate. A lot of people either can't be bothered to look for a cheaper motor insurance quote or don't realise that quotes can vary hundreds of pounds between so-called cheap car insurance companies. As a result, they just allow their old motor insurance firm to renew their policy and don't do any searching around, disregarding hundreds of pounds of potential savings in the process.

Many people are put off searching for a cheap car insurance quote because they know how much hassle ringing around motor insurance companies can be. There is only so much time you can take listening to annoying on-hold music interspersed with sales messages before it all becomes too much and you go back to your original car insurance firm.

However, the advent of the World Wide Web has changed everything. Online motor insurance quotes mean that the net-savvy motorist can find absolutely loads of UK cheap car insurance deals to pick from in a matter of seconds. Hardly any hassle at all and, if you find a money-saving deal, extremely rewarding.

The first rule of cheap car insurance
So, the most important thing to remember when you want the cheapest motor insurance quote is to search, search and search some more. Get as many cheap car insurance quotes as possible and you will soon see that prices vary incredibly between companies.

However, it is vital to bear in mind that every price you get may not necessarily be for exactly the same motor insurance cover. For example, one cheap car insurance quote may be given on the basis that you will pay a large excess if you have an accident, whilst another slightly more expensive one may have a lower excess and an additional benefit like free legal expenses insurance.

Speed and convenience aren't the only reasons why getting online motor insurance quotes is the best way of finding the best deal. Many cheap car insurance firms give customers who buy their products online a discount, usually 10%, so you can enjoy an even cheaper motor insurance rate by buying over the web.

Reducing your risk
If you have got a cheap car insurance quote but would like to reduce your premium further, then you need look no further for the right advice. As experts in motor insurance ourselves, we know all about the factors that influence car insurance rates. The key is risk.

Insurers calculate how much your motor insurance premium will come to based on the risk. If you are considered to be at low risk of making a claim, you will get a cheap car insurance rate. If they think you are at high risk of claiming on your motor insurance, your premium will be higher. So, logically, the best way to get a cheaper car insurance premium is to reduce the risk you present.

The good news is that are quite a few factors that you can alter to get your motor insurance rate to change in your favour. That means that you have the scope to make some quite substantial savings and find yourself a cheap car insurance quote like never before.

What you can do
Whether you took your driving test one year ago or 50 years ago, there is still more you can learn about being a safe driver. If you get an advanced driving qualification, you may well see your motor insurance quotes drop because many insurers realise the value of these courses.

However, knowing how to drive safely isn't really enough. You should then put this knowledge into practice so as to safeguard your no claims bonus. If you can maintain a 5-year no claims bonus, you will get up to 75% off your basic car insurance rate. As this can be transferred between motor insurance companies, it doesn't matter if you change your cheap car insurance provider.

By driving safely, you will also avoid getting any motoring convictions. If you end up with points on your licence for drink driving, dangerous driving or any other offence, you can wave goodbye to your cheap car insurance deal for quite some time. Although speeding is not taken so seriously by most insurers, more than one conviction will definitely cause a leap in your premium.

A simple way of saving money on your motor insurance is to drive fewer miles. You might want to combine two outings in one journey or walk instead of take the car sometimes but as long as your annual mileage is reduced then you may well get a cheap car insurance deal.

Another little change you can make to your driving habits is to park your car in the garage instead of on the road or in your driveway. There are thousands of garages across the UK which are filled with junk but many of their owners don't realise that they could be saving a substantial sum on their motor insurance by putting them into action. Buying an immobiliser and alarm for your car can reduce your car insurance rate yet further.

What you can't do
There are some things that you can't (reasonably) do much about but will still affect the cost of your car insurance premium.

These include:

• your age. Young and elderly people are much more likely to have a crash on the roads than middle aged people and so have to pay more for their car insurance.
• your gender. It has been proven that women make less costly claims on their motor insurance and thus earn cheaper car insurance rates than men.
• where you live. Cars kept at rural addresses have a lower chance of being vandalised or stolen and are less likely to be involved in accidents.
• your profession. Some professions are more likely to be involved in an accident than others. Teachers and nurses earn a low car insurance rate, whilst professional sportsmen have to pay more.

A final way to save money on your motor insurance
Our final tip to getting a really cheap car insurance deal is to get a motor insurance quote with duck2water!

As we are an online car insurance firm we don't have the overheads of other companies that have large call centres and have to pass the cost onto their customers. This means that we can offer the cheapest car insurance rates around, saving you money.

Many people find that they can reduce their premium by up to 25% with duck2water. Can you?

Get a cheap car insurance quote now.

Bad drivers cause insurance costs to soar

For more information, please see:

• Why choose duck2water?
• How to buy online
• Breakdown cover
• Glossary
• Customer testimonials

Get a cheap car insurance quote now!