How do I find the cheapest motor insurance premiums?

In order to get the best possible quote for your Motor insurance you should compare and contrast quotes provided by many different insurers. You'll find the difference between quotes can be enormous with a potential 50% difference between the most expensive and the cheapest quote.

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What if I am a mature driver?
Drivers over the age of 50 tend to have less than average number of accidents and as such deserve a discount on their car insurance premiums. However not all insurance companies recognise this claiming behaviour and offer the over 50’s market a discounted premium.
What types of Motor Insurance Policy are available?
Since 1930 it has been a legal requirement for all drivers of motor vehicles to be covered by insurance for a minimum of third party claims, that means you have to be insured against accidents that are caused by you and have damaged a ‘third party’s’ vehicle.
What is Third party fire and theft Motor insurance?
Whilst technically your legal requirements for motor insurance are covered by a third party only policy they only protect the people with whom you share the roads, not yourself. The law requires that people who are involved in an accident that is not caused by themselves, be compensated. So, with third party insurance you may be protected against other people's claims against you, but not if you are responsible for the accident.
How do I claim if the accident involves a third party?
In insurance terminology, a third party is defined as anyone else involved in an accident who is not the policy holder. Under UK law you are required at all times to have a minimum of act only third party insurance, but in reality most insurers only offer full third party insurance. This insurance will ONLY protect any damage done to third parties involved in an accident, not to your own vehicle. There is also the question of personal compensation, usually this is also covered by a third party policy, if in doubt check your policy documents.
Who do I contact if I have a complaint against a finance house?
First you must address your original contact you dealt with, ask them for their job title and then request that the provide you with the name of the person who handles complaints. Traditionally, finance houses are required by the FSA to have a complaints procedure, and you should ask for details of this.
Even if a company has given you a high quote in the past, you should try them again this year. Each insurer specialises in certain characteristics, and these change year by year so you should never rule out any insurer. There are many potential reasons for rates changes, perhaps their claims were low enough last year that they can afford to offer lower premiums this year.

Motor quotes vary enormously from person to person, car to car. Each policyholder will pay a different premium for it, even if they were to be insured for the same vehicle. You must fully and correctly answer a long series of questions to tailor the motor insurance policy to your specific needs.

You’ll find adverts for car insurance all over the place, from standard media such as broadsheets (Telegraph and Times), tabloids (Sun, Express and Mail) and industry publications such as Top Gear or Fast Car. In today’s market one of the most efficient ways to secure a motor insurance quote is over the internet. Most motor insurance companies provide an online quotation facility as part of their website with the majority also offering full online purchase and instant cover. By using the internet you also often get a discount because the processing cost to your insurer is much less than with the standard paper process.

When ever you are requesting motor insurance quotes make sure you have already identified what type of cover you require and which additional extras you want included on your policy. If you do change your requirements make sure you go back and get new quotes from those insurance companies who provided a good first time quote.