The Hoot guide to low cost car insurance in the UK – how to reduce your premium

Looking for low cost car insurance in the UK? Tired of searching for hours on the web? Hoot sells cheap car insurance for young drivers. We can save you £££s on your car insurance, and will even give you free legal expenses insurance and a replacement car* following an accident.

Whilst we work hard to give you low cost car insurance in the UK , there are many things that you can do to reduce your premium. Here are some of the things that should help reduce your premium the most:

  • Drive a car with a small engine
    Car insurance premiums are calculated by taking into account a cars engine size, the probability that it will get stolen and the cost of repairing the car. As a result, a popular car with a small engine that is less likely to get stolen and will have cheap replacement parts, will cost less to insure than a 2.0 litre sports car. Sports cars generally have more expensive parts and are more vulnerable to being stolen, plus young drivers are statistically more likely to have an accident in faster cars.
  • Get more driving qualifications
    The Advanced Driving Test and Pass Plus qualification can help you get low cost car insurance in the UK . Both of these qualifications usually pay for themselves within the first year. Click on these links for more information: www.iam.org.uk and www.passplus.org.uk.
  • Build up no claims discount
    Once you have been able to build up a clean driving record, insurance companies will give you a discount based on the fact that you have had a number of years of driving without making a claim (on an insurance policy in your name). This discount increases every year you are claim free to enable you to benefit from low cost car insurance in the UK .
  • Think about security
    If you are able to lock your car in a garage at night, you are more likely to benefit from low cost car insurance. An alarm, immobiliser and possibly a tracker could also save you money. Please speak to one of our motor team before purchasing any such devices. We can advise you which ones will be most effective for lowering the cost of your car insurance premium.
  • Agree to an increased excess
    An ‘excess’ is the amount you have to pay every time you make a claim on your car insurance policy. Insurance companies will set a compulsory excess on your policy based on your age, the type of car and other factors. By agreeing to pay a voluntary excess on top of this, every time you make a claim, you can lower the cost of your car insurance premium.
  • Don’t drive ‘everywhere!’
    The lower your annual mileage, the lower cost car insurance you will have. Obviously, if you do a lot of miles a year, statistically you are more likely to have an accident. If you can share a lift to work, use your bike or walk on short journeys, you can probably get lower cost car insurance.
  • Stay legal
    Motoring convictions are seen as a higher risk by insurance companies and will usually mean an increase in the price of your car insurance premium.
  • Come clean
    There’s no point withholding information from your insurance company to try and get low cost car insurance. Your insurance policy will be invalid if you don’t give the correct information when you purchase a policy. Insurance companies exchange information so it’s just not worth it. There are other ways to get low cost car insurance.

If you would like to speak to a member of our motor team about ways to get low cost car insurance in the UK, please call us on 0808 144 9954 or email us at insurance@hootcarinsurance.co.uk