Don't pay more for your Car Insurance because you have chosen to live in a nice area! Shop around before you buy your insurance and tell insurers the quotes you already have. You could Save up to Eighty Pounds Today!

Car insurers take where you live very seriously. It’s not just so they are able to mail you your car insurance policy when they ask for your postcode. Your postcode tells the insurance company exactly where you live. From this they are able to calculate your insurance premium factoring in the crime rates in your specific area. So if you live in a city such as London, you must expect to pay more than if you lived in Newquay. But it is more than that. If you live in Chelsea your car insurance premium is likely to be lower than if you lived in Brixton! And as you probably realise if you live in Brixton and park in the street then your premium will most likely be as high as the insurer can possibly get away with charging. You see where you live is based on statistics. Crime statistics fuel insurance premiums nationwide. The same hypothesis is true for certain areas in Liverpool, Manchester and Brighton to name but a few. In an inner city for example, your car is more likely to be stolen and so your insurance premium will be higher.

Obviously, you can't moving to a quieter area just to get cheaper car insurance, but sadly the truth is it would help! There are other steps that you can take. Whatever area you live in, parking your on a drive or in a garage 'off the road' and having car security installed will help reduce your premium. Improvements to you existing security arrangements are important considerations when insurance companies calculate your car insurance premium. Most companies will give you a small discount for having better car security. An alarm and immobiliser will usually attract a small discount whilst having a tracker device installed may give you a bigger reduction. With some luxury cars your insurance company may insist on having such devices installed before they even consider quoting an the car insurance. Because there are far more insurance claims in urban areas people who live in cities usually pay more for their car insurance than those who live in the country. Now that you understand why the place where the car is kept is a rating factor on insurance premium calculations, you must now realise why it is so important to tell your insurer if the car is not kept at your home! This could save you a small fortune every year. I realise that it is not the only factor which affects the rates you will be quoted, but at the same time how would you feel if I tell you that if you park your car at a friends house near the city at weekends top save on your parking fees because you do not have a parking permit and your car is stolen you will not be paid a penny by your insurer. This is because they will argue that the car is Expected to be parked overnight at the registered address. They always ask this when you get a quote. You stand to looses thousands of pounds in this case! Once again I stipulate the following to you, the place where the car is kept is a rating factor, so tell you insurers if the car is not kept at your home address.

Please clarify any points you are unsure about with your insurer before you accept what is stated here. The information found here is only a GUIDE.

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