When it comes to getting a car, the very first thing you always check is the cost of the insurance premium based on your individual circumstances because sometimes it can be just as much as the car itself. Insurance companies base your quote on your age, gender, address, motoring history and then take the car into account so you can never know how much it will be. The general rule of thumb is that the lower the engine of the car, the lower the premium. You have to do a complete check of the vehicle you’re planning on purchasing as there are some 1.6 litre engines that have higher performance than a 1.8/2.0 litre engine as they are highly tuned and will be expensive to insure.

When checking around for quotes always ring as many companies as possible as they all offer a huge variation in price and often cater for different people. One company may be great at beating the competition if you’re an elderly driver with many years no claims while offering huge premiums to people who have had a shady driving history. Those few extra calls to other brokers can save you a small fortune so it’s definitely worth it in the long run. Even if it’s just a few pounds a month, it’s better in your pocket then anyone else’s.

When you’re in the market to get an insurance quote there are many methods in which you can take advantage of to make sure you get the best possible price based on you as an individual, you can ring up the insurance companies and get an instant quote over the phone or you can go online and fill a short survey in which will give you a quote and the chance to buy it over the internet.

There are certain companies such as confused or money supermarket which will search hundreds of brokers and give you the cheapest quotes based on your answers given in the questioning stage. The best thing about these is the fact you will get quotes from the leading brokers by filling in one form so it will make it easier to find the best quote for the desired car. The downside to companies that search various companies is the fact they assume a lot of information so you can potentially get incorrect prices that will change when you pursue them or ring up for more information.

You have to be 100% accurate in the details you give any broker, you could lie to them saying you have a smaller engine in your car or your older then you actually are, this will give you a cheaper premium but you are breaking the law and in the unfortunate event of an accident (it may not even be your fault) when they assess you car they will only find out that you have given inaccurate information, your insurance will become void and you will be liable for any damage and costs. You will also receive a fine and could potentially face more punishment for driving with invalid insurance.