Motor Car Insurance
Factors Affecting Your Car Insurance Premiums

If you are under the age of 25 or a newly qualified driver, your motor insurance premium is going to cost you more than an older, more experienced driver's car insurance would. The reason for this is partly because it has been statistically proven that inexperienced and younger drivers are involved in more motoring accidents than drivers who have been behind the wheel of a car for some years. Due to the potential for a higher number of car insurance claims to be made in the 16 to 25 age group, UK motor insurance premiums are higher for this group of drivers.

Naturally your post code and linked to that whether you park in the road out front your house also play a part in the overall price of your insurance quote too. If you have been caught speeding (a SP30 is the most common among offenders), drive a modified car or if you were to say drive a sports car this too will undoubtedly increase your motor car insurance premium above the average. Remember that there is almost always a specialist car insurance company or motor insurance broker who will want YOUR business so shop around and get a few motor insurance quotes before you buy.

There is no rush when you buy car insurance online and also no pressure to buy from one insurer over the other either! It's great now that car insurance aggregator sites are so prolific online isn't it? As the consumer we are truly spoilt for choice now. I still suggest that you try at least two such car insurance aggregator sites just to make sure that you really do have the most comprehensive overview of all the motor insurance companies. Compare the market in full before you buy your car insurance and the likelihood is great that you will indeed save a few pounds on the car insurance renewal price your previous insurer presented you with.

There are several things you can do as an inexperienced driver to help reduce the amount you pay for your UK insurance cover. After a few years without having to make a claim on your UK insurance, you will also qualify for the No Claims Discount, which will save you up to 60% on your premiums!

• Take the "pass plus test" to increase your driver's qualifications and reduce your premium

• Choose a 1 liter car instead of a larger car as the cost to insure a smaller car is less

• Keep your driving record clean by avoiding license points and on the spot fines

• Be insured as a secondary driver of a more experienced vehicle rather than the primary driver of your own vehicle and save considerably on UK insurance.

There are several companies who specialise in providing UK insurance cover for younger or the more inexperienced drivers, but that doesn't necessarily mean they can provide you with the cheapest rates. Always take the time to shop for your cover and fine the lowest, most comprehensive cover.