In the recent past, 4x4 vehicles have been on the increase especially among the young people. For this reason, the demand for 4x4 car insurance has also been on the rise. Some of the reason why the 4x4 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 4x4 car companies classify 4x4 insurance in the upper segment. Most of these vehicles are hardly ever off-loaded. This makes the insurance companies offer standard 4x4 car insurance for these cars.
4X4 Insurance Specialists UK
For those with 4x4 vehicles should not have to worry since there are many 4x4 car insurance specialists in the UK. The owners can get a 4x4 insurance quote from aggregators. Also, they can get quotes from 4x4 insurance comparison sites like the Money Supermarket. If you are looking for a cheap 4x4 insurance, you can also use Compare the Market for a further 4x4 insurance comparison. To further compare cheap 4x4 insurance, specialist brokers and manufacturer's car insurance policy can also provide you with 4x4 insurance quote.
Some of the reasons why 4x4 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.
Factors Affecting 4X4 Car Insurance Quote
The following factors affect the cost and premiums one will pay for his 4x4 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
Cheap 4X4 Car Insurance
You will find that 4x4 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 4x4 cheap insurance, you will need to compare prices. However, you can still find cheap 4x4 insurance if you master how to maintain low insurance 4x4 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 4x4 car insurance.
- Add a named driver. If a young person is driving a 4x4 car, he can add a named driver with more experienced and older to bring down the cost of 4x4 car insurance.
High Theft Risk Group
Most 4x4 insurance companies will advise you to purchase a fully comprehensive policy for 4x4 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 4x4 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 4x4 cars, unlike other cars.
Therefore, whenever you are looking for a cheap 4x4 insurance UK, look for a car insurance 4x4 specialist to assist you. They will offer you more information and possible you can get a 4x4 insurance quote. You can also take advantage of the discounts available if you buy 4x4 car insurance online. Still, if you insure cars, you get cheaper 4x4 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 4x4 car insurance. You will need to sign an agreement for your maximum mileage. If you exceed the mileage, your claim will be denied.