In the recent past, 4×4 vehicles have been on the increase especially among the young people. For this reason, the demand for 4×4 car insurance has also been on the rise. Some of the reason why the 4×4 vehicles have become popular is that it is a family car, the first choice for the school run and it is a lifestyle car.
Most 4×4 car companies classify 4×4 insurance in the upper segment. Most of these vehicles are hardly ever off-loaded. This makes the insurance companies offer standard 4×4 car insurance for these cars.
For those with 4×4 vehicles should not have to worry since there are many 4×4 car insurance specialists in the UK. The owners can get a 4×4 insurance quote from aggregators. Also, they can get quotes from 4×4 insurance comparison sites like the Money Supermarket. If you are looking for a cheap 4×4 insurance, you can also use Compare the Market for a further 4×4 insurance comparison. To further compare cheap 4×4 insurance, specialist brokers and manufacturer’s car insurance policy can also provide you with 4×4 insurance quote.
Some of the reasons why 4×4 vehicles attract high premiums are because they cause a lot of damage to other road users. Whenever they are involved in an accident, they are normally off in an accident.
The following factors affect the cost and premiums one will pay for his 4×4 car insurance. They include:
- One’s age
- Driving history
- The insurance group of the vehicle and its value
- Mature of use of the vehicle
- Annual mileage
- Where the car is parked
You will find that 4×4 cars are not only expensive to fuel because they are a four-wheel drive, but their premiums are often higher compared to ordinary cars. To find 4×4 cheap insurance, you will need to compare prices. However, you can still find cheap 4×4 insurance if you master how to maintain low insurance 4×4 costs. Some of the ways to maintain low insurance cost is by:
- Paying annually. If you choose to pay premiums on monthly installments, you will pay more due to interest charged.
- Improve security. If your car has an alarm, immobilizer and ensuring that you park your car in a garage, your premiums will significantly reduce.
- Limit your mileage. If you reduce the number of miles you driver per year, you will reduce your premiums significantly.
- Increase your excess. If you choose to pay a higher voluntary excess, you can adequately get a better deal for 4×4 car insurance.
- Add a named driver. If a young person is driving a 4×4 car, he can add a named driver with more experienced and older to bring down the cost of 4×4 car insurance.
Most 4×4 insurance companies will advise you to purchase a fully comprehensive policy for 4×4 vehicles. This is because the car falls in a high theft risk group. The repairs costs, labour, spare parts and the maintenance costs are usually high. The 4×4 car insurance has to cover accessories like the air lockers, camping gear, towing equipment, fog lights and roof racks. Therefore, it is not cheap to insure 4×4 cars, unlike other cars.
Therefore, whenever you are looking for a cheap 4×4 insurance UK, look for a car insurance 4×4 specialist to assist you. They will offer you more information and possible you can get a 4×4 insurance quote. You can also take advantage of the discounts available if you buy 4×4 car insurance online. Still, if you insure cars, you get cheaper 4×4 insurance quotes.
Finally, the next important thing that you need to do is to read the terms and conditions of the policy carefully. You need to ask for clarification if there is something that is not clear. You will find that some companies offer cheaper premiums compared to others. Also, if you can drive for fewer mils, then you can bring down your 4×4 car insurance. You will need to sign an agreement for your maximum mileage. If you exceed the mileage, your claim will be denied.