Find Cheap Car Insurance quotes online with MoneySupermarket

It is not an easy time to be a motorist, with a recent study by MoneySupermarket.com revealing that 62% of motorists have been forced to alter their driving habits as a result of sky high fuel prices. The last thing that you need right now is to be being paying too much for car insurance.
Car insurance is after all a legal requirement, with the Continuous Insurance Enforcement (CIE) regulations making it a legal requirement for every motorists to have their vehicle covered by a relevant insurance policy at all times. The only exemptions to this are vehicles which have been declared off the road, with a SORN (Statutory Off-Road Notification) having been sent to the DVLA. Failing to comply with these regulations will result in financial penalties and potentially even court appearances.
There is no longer any way you can avoid this obligation, but there are still a number of actions you can take in order to may sure you are not paying too much for your car insurance policy.

Car Insurance Groups

Every car on the road in the UK has been classified into a car insurance group numbered between 1 and 50. These are decided upon by a Group Rating Panel, who differentiates vehicles based on the likely cost of repair, the value of the vehicle and its overall performance; with vehicles that are capable of higher performance levels being statistically more likely to be involved in accidents and hence attracting more expensive premiums.
The cars which are the cheapest to insure are normally classified in one of the lower car insurance groups (i.e. groups 1-3). It is therefore advised that you opt for a vehicle in one of these lower groups if you are keen to avoid paying too much for your car insurance cover.
For more information on car insurance groups and directions on where you can find the car insurance group to which your vehicle has been assigned, take advantage of our car insurance groups guide.

Modifications

The car insurance group which a vehicle has been assigned to will be completely irrelevant if any performance enhancing modifications have been made to the vehicle. This could include things such as alloy-wheels or spoilers which were not part of the original design of the vehicle. Insurers recognise that people who have made modifications to their vehicles are more likely to be involved in accidents and hence make car insurance claims.
It is therefore recommended that anyone who is aiming to avoid paying too much for car insurance avoid making these kinds of modification.
The exception to this rule is any modification which results in improve vehicle security such as alarms and/or immobilisers. These will obviously reduce the statistical likelihood of theft and the insurer will therefore be inclined to offer cheaper car insurance quotes on account of the fact that they will be less likely to be forced to fork out for claims.
There is more information on the impact of modifications on our modified car insurance page.

Keep tabs on your mileage

Insurance companies recognises that the more miles you complete, the statistically more likely to be involved in an accident and make a claim. You could therefore avoid paying too much for your premiums by keeping your stated mileage allowance to a minimum.
However, if you exceed your stated allowance your car insurance policy could be rendered void. It is a difficult balancing act to get right but can bring significant savings.

Park Safely

Where you park your car at night and during the day will also have an influence on car insurance quotes. Drivers who park their cars in less secure locations where they are exposed to the elements are likely to attract higher premiums due to the increases statistical likelihood of the vehicle being stolen or vandalised.
It is therefore recommended that you park your vehicle in a locked garage, or failing that a secure driveway, so as to ensure that you don't end up paying too much for your insurance.

Utilise our car insurance comparison site

You stand a better chance of avoiding paying too much for your cover by utilising car insurance comparison sites such as MoneySupermarket.com. We compare deals available through over 100 different car insurance companies, including some of the country's leading providers. It is all part of our aim to help you find the most competitive deals available.
Alternatively you could compare quotes on the go with our free car insurance comparison app which is available to iPhone, iPad, iPod Touch and Android phone owners.