What Makes Car Insurance Cheap?

Many people wonder what it takes to get cheap car insurance. There are a number of factors. These are determined by when you get your quote and the car insurance company asks a bunch of questions.

If you drive the car as part of your business everyday, your premium will be more expensive, as you are on the road more often, hence more likely to be involved in an accident. If you only drive your car a rarely, or just to commute to and from work, your will be offered a much cheaper quote as driving less frequently means you have less chance of a motor accident.

If you are an experienced driver with few to zero claims in the past it is certain that your car insurance will be much cheaper than if you were an inexperienced driver and/or have made many claims in the past.

Of course there are many other factors. Another one is whether your car is parked in a garage, driveway or on the street at night. On the street has the most chance for vandalism, theft or damage, whilst on a driveway has medium risks, and in a lockable garage the risks are greatly reduced. Therefore, parking your car in a garage will give you a much greater chance of obtaining cheap car insurance, compared to parking on the street or on a driveway.

It is very important that you answer the questions when filling out a quote form honestly and correctly, even if you know you are a greater risk so your insurance will be higher. If you make a claim, and the insurance assessors have found that you lied or provided false information when you were insured, the don't have to pay up a cent. So it is better to tell the truth and pay a bit more, than lie in an attempt to get cheaper car insurance.