You may be surprised to know that in order to get the cheapest possible car insurance, you don't just have to be a good experienced driver with years of no claims bonus. There are many ways that can affect your insurance premiums which you may be unaware of. This post will give you the details on how to get the cheapest possible car insurance possible.

Your Occupation

Your job plays a significant role in how your insurance premiums are calculated. Did you know that Doctors are more likely to make a claim on their insurance than most other professions? Statistically there are more claims made by people in a medical profession, likely due to their long hours and highly stressful job playing a part in having more accidents while driving. On the other hand, car dealers and van drivers statistically have less claims on their insurance therefore benefit from a lower premium than most other professions.

This does not mean that you should put on your application for a car insurance quote that you are a van driver or car dealer but how you describe your job title can play a significant role in either reducing or increasing your premiums.

You might think that an Admin Assistant & Clerical Assistant are pretty similar jobs, but in the eyes of an insurer, there is around a £50 difference in the price you'll pay for car insurance between them.

By simply tweaking your job title, you can save money on your car insurance. Have a look below to see the difference in premiums between relatively similar job roles.

Before signing up for your car insurance provider it would be a good idea to play around with your job title if your job can be described using various titles. You might end up saving a lot of money for something very simple.

Your Car Make & Model

One of the most obvious ways to lower your car insurance premium is to get insured for a car that is in the class 1 insurance category. Generally the smaller the engine size of the car will be the cheapest on car insurance whereas expensive and modified cars will likely be higher due to their parts costing more in the event of replacement.

Here are a list of the top 10 cars for the cheapest insurance, this is a great option for teenagers and inexperienced drivers looking to buy their first car but don't want to pay the massive premiums on their insurance.
  1. Chevrolet Spark
  2. Citreon C1
  3. Fiat Panda
  4. Vauxhall Corsa
  5. Volkswagen Fox and Up
  6. Ford Fiesta and Ka
  7. Nissan Pixo
  8. Peugeot Partner Tepee
  9. Skoda Fabia
  10. Smart Fortwo Coupe

Install a Thatcham Approved Alarm & Immobiliser

Cars that come installed with either an alarm or immobiliser will normally benefit in reducing your car insurance quotes. Be sure to include them when applying for car insurance and if you don't have one installed, ensure you get a Thatcham approved one as this is what most insurers will recommend.

Install a Tracker

If your car gets stolen, having a tracker installed will make it much easier to recover. It can also help reduce your car insurance premiums.

Type Of Licence

Another factor that can affect your insurance is the type of licence you have. Generally if you have more categories on your licence such as PCV and HGV you may be seen as a more experienced driver and benefit from some additional discounts. Younger drivers can also benefit from sitting their pass plus test after passing their initial practical test.

The types of licences the insurers will normally ask you for are:
  • Full UK Manual
  • Full UK Auto
  • Full UK IAM
  • Full UK Pass Plus
  • UK Provisional
  • Full Euro
  • International Licence (Exchangable)
  • International Licence (Non Exchangable)
How long you have held your licence will also play a part in determining how much your quote will be. Normally the longer you've held your licence the better your discount will be.

Your Address

Where you live and where your car is parked overnight can significantly change how much your car insurance premiums will be. If you live in an area that statistically has a higher crime rate then you'll likely pay more for your car insurance as there is statistically a higher chance of you making a claim.


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