Getting Cheap Car Insurance In the UK
Points Mean Cheap Insurance?
Many of you wouldn’t of expected to see this, but apparently it’s all true. If you have accumulated so many points on your license your about to get a driving ban you could end up paying less for your car insurance, some of the most recent research has revealed.If your a British driver and have accumulated 9 points on your license for breaking the speed limit or by other means of accumulating points you could reduce your insurance costs by up to 10%. This startling fact has been garnered by data from Vantage Leasing.The research conducted in April 2019 is based on your average British driver with 9 points on their license when compared to drivers with zero points showed that actually these drivers, instead of paying sky high insurance prices, were actually saving a packet.Road Parking To Lower Insurance Costs?Other interested and unusual data in 2019 showed that parking on the road could work out slightly cheaper that parking on the driveway. A fact that tends to fly in the face of most preconceptions. This seems to have come about due to the rise in keyless car entry theft.
How Will My Profession Affect My Insurance – Worst (1) to Best (5)
- Catering food store staff – Oh dear
- Medical NHS professionals
- Book Keeper/Accountant
- Programmer/IT Web Developer – You’ll get the best deal on average
Being careful about how you describe your profession could save you more money on your insurance. If the professional categories offered by the many, very cheap car insurance comparison sites give you multiple descriptions, both of which could be used to describe your profession. Then try all the ones that fit the bill and see which turn out cheaper. Don’t flat out lie about your profession. Be honest, but try all options that fit in with your needs.
Top 10 List of the Cheapest UK Cars to Insure 2019
A result of some data published by Motoring Research and with thanks to Vantage Leasing we can reveal the top 10 UK cheapest cars to insure in 2019
Research Provided By Vantage Leasing
- Skoda Fabia 1.0 SE
- Nissan Micra 1.0 Visia
- Seat Mii 1.0 S
- Skoda Citigo 1.0 S
- Volkswagen Up 1.0 Take Up
- Chevrolet Spark 1.0 LS
- Kia Rio 2 1.2
- Smart Forfour Pure
- Ford Ka+ 1.2 Studio
- Hyundai i10 1.0 S
The above cars are all great value to insure. With the best (Skoda Fabia) to the worst (Hyundai i10) ranging just a little over one hundred and fifty three pounds difference between them.The Hyundai i10 as of April 2019 was coming in at on average £567.65 to insure and the Skoda Fabia topped the chart with that car insurance costing just £413.67.
Don’t treat the above averages as gospel. Ensure you always shop around and do your research. Don’t let the insurance cost be the only indicator for which car you should choose. Make sure you first and foremost really like the car. That should go without saying, right? Take it for a test drive. Will it carry all the shopping? Is it big enough for not just you, but also for your family. Take your time choosing and you will likely come out smiling.
What can I do If I Don’t Drive Far?
Resent research has shown that the low mileage driver really is missing a trick when it come to saving money on their car insurance. With reports of people saving literally hundreds of pounds, how are they doing it you may ask? Due to the miracle of modern technology you can now get your car insured on a pay-as-you-go or pay-per-mile basis.
In the UK currently according to the data from the Department of Transport the average driver will usually travel 7,134 miles per year.
It also looks like some of the low mileage drivers seem to be unfairly subsidizing the higher mileage drivers. If this applies to you then a pay per mile insurance policy is definitely worth taking a look at to see if it can save you money.
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