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How your insurance quote is calculated and how to slash it

In times of recession people are always looking to lower their insurance quotes to save that few extra quid, especially new drivers as the insurance costs keep rising.

In order to slash your car insurance you need to know how the insurance companies calculate the cost to insure your car.

Your insurance quote is based on how much of a risk you're to the insurance company. They take into account the amount of driving experience you have, your age, the car you want to insure and any driving offences you may have to your name. A road user who is older with more driving experience, no driving offences and a slower car is going to have a much less risk of being in a car accident that a younger road user with less driving experience, more driving offences and a fast car and therefore has a cheaper insurance quote.

No matter how old you are and how much driving experience you have there are ways which everyone can slash their insurance quotes.

Don't jump at the first quote you get, have a look around and use insurance comparison sites as they usually give you the cheapest insurance on the market. Try to get insurance as cheap as possible. Even play the insurance companies off against each other as they all want your business and may drop the price knowing others are giving you a better deal.

As mentioned above insurance quotes are based on the type of car you drive and the faster, sportier models are more expensive to insure. Be sure to get an insurance quote on a car before you buy it to make sure you can afford both the insurance and the car, otherwise you will be stuck with a car you can't drive!

Also mentioned above is driving offences and these are taken into account when getting insurance quotes. If you're a first time vehicle owner then this won't apply as you won't have been on the road to commit any driving offences. To slash your insurance quote don't speed or commit any other driving offences as insurance companies see you as a dangerous driver and will increase your insurance quote.

Compare the different policies with higher excess charges as usually the quote will be cheaper but the the excess charge will increase. The excess charge is what you must pay to the insurance company if involved in an accident before they will get involved. Higher excess policies may slash your insurance quote by a substantial amount. Driving schools Leeds have fleet insurance policies which also include an excess charge if involved in an accident.

Most driving schools in Leeds offer a course that may slash your car insurance quote and this is called a pass plus. You practice city, motorway, night and country driving in the pass plus course and it's a good way to slash your insurance quote.

Knowing how your insurance quote is calculated and how to slash its price is important to make sure you get the best deals year upon year.

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