Next to a house, a car is one of the most significant purchases you’ll make in your lifetime. Regardless of which size, spec, make, or model you opt for, the average cost of a vehicle in the United Kingdom is between £12,000 to £28,000, and the prices don’t stop there! As well as the upfront cost of the car, you’ll also have to consider maintenance fees, insurance and much more. 

The latter should be one of your biggest priorities when purchasing a new car. Make a mistake when choosing your insurance provider, and you could end up not being covered for something crucial or paying over the odds for cover you don’t need. There are many things you need to consider when shopping around for car insurance, some of which we list below: 

Price 

Like when making any purchase, the price will be at the top of our considerations but ensure that it’s not something you focus on. Instead, begin by looking at what’s included in the policy so that you can gain an understanding of what you’re paying for. 

Since most car insurance providers often have add-ons or perks in the hopes of attracting more sales, so it’s worth checking what is included. Plus, don’t forget that a car insurance provider will use various factors to determine how much you will pay. 

So, if a friend or family member has recommended you, it’s worth noting that you might not receive the same deal – even if you have similar cars. To better understand how much car insurance might cost, use price comparison platforms like Quotezone to compare a wide range of financial services products, from home insurance to car insurance. Consider visiting their site today to see how their services could help you find the best car insurance, provider. 

Excess 

When you damage your car and claim against your insurance, the excess is the amount of money you will have to pay to make a claim. Some claims may have a separate excess charge, like repair or windshield excess, but these are usually lower than the damage caused to your car. Car insurance providers use two types of excess to stop policyholders from claiming for every little scrape or bump on their vehicle, which are as follows:

• Compulsory Excess – This is set by your policy provider and is fixed, so it cannot be negotiated in any way. 

• Voluntary Excess – This is an amount that can be added if you want to reduce the cost of your insurance. 

Special Policies 

Some car insurance providers will also offer policies to appeal to different drivers, such as learner driver insurance, European driving insurance, classic car insurance, telematics insurance, and young driver policies. Many car insurance providers will offer these types of policies so that they don’t just attract one kind of customer and so those who don’t have a full license or those who have recently passed their test can feel safe on the road.