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What factors can affect car insurance quotes?

Regardless of whether you enjoy exploring country roads in a convertible at the weekends or commute to work in a luxury saloon, there is one thing that all drivers need and that’s insurance. You’re probably already aware of this, but if you own a car you’re legally bound to be insured to drive it.

Although it’s perhaps the most unexciting aspect of having a car, this is something you need to have so there’s no use trying to avoid it. In fact, you’ll be in big trouble with the law if you’re caught without it, so it really does pay to have cover. When sourcing it – as with any other kind of insurance – it’s important that you not only get a comprehensive level of protection, but are able to get it a competitive price. Here are just some of the things that can impact on the amount you are quoted.

The type of car you drive

This certainly has a considerable bearing on your insurance costs and you’ll discover that high-performance cars tend to receive more costly quotes than ones with less powerful engine. Prestige vehicles certainly fall into this category, namely as many car insurance companies believe they will be more expensive and time-consuming to put right in the event they need repairing.

Cars with a low level of fuel consumption and/or ones with a smaller engine, on the other hand, tend to be less expensive to run and are usually cheaper to insure too.


Another thing you’ll find has a huge effect on the quotes you get is age. As a general rule, the older you are the cheaper your policy ought to be. Remember that insurance companies decide how much to charge you based on the level of risk you’re perceived to present them. For the most part, older drivers are more experienced and less likely to be in an accident than an 18-year-old who has just passed their test. If you’re in your 40s or 50s, you’re certain to have a lower-priced quote than someone half your age, even if you both drive the same kind of car.

Who’s driving?

Insurance companies look at more than just your age when assessing how much you’re charged though; where you live will also have a major bearing on your quote. Again, this is to do with risk levels, so if you live in a small village with low crime levels you can expect to get a lower quote than if you were in an inner-city suburb.

If you’ve got more than one car and/or live in a household where you’re not the only driver, multicar insurance could allow you to access cheaper cover in comparison to having multiple single-vehicle policies. Not only does a sole policy for all drivers and cars in your house allow you to save money, but it also means you can avoid ringing around for quotes on each individual policy for hours on end.

On the other side of the coin, having penalty points on your licence will increase your premium. While a tendency to drive past the speed limit could come back to bite you in the form of higher insurance.

Although these are some of the most factors that can affect your quotes, you should remember that each driver’s circumstances are different. If you want to be sure of getting cover that’s right for your needs, it’s worth getting in touch with a specialist brokers like Certis Insurance that will take the time to understand your requirements before providing you with a selection of suitable policies.

What experiences of organizing car insurance have you had?

Post by Edel

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