To save money on car insurance costs, whether you are insuring a new car, second hand car or any other vehicle, it is suggested that you research cheap and good car insurance. Many people in the UK find their car insurance increasing year-on year and it can be the most costly aspect of car ownership (see UK car tax rates). The main assumption behind car insurance prices is wrong - people usually consider the cheapest car insurance as the fulfilment of only the minimum requirements by the policy, but this is not the case. Cheap car insurance refers to the provision of insurance a discounted rate.

Getting hold of cheaper car insurance in UK is not a difficult task as many insurance companies in UK are trying to increase their profits by giving discounts on car insurances and optimizing their prices. They can and do, also increase the sales of other insurances like home, life, business etc to allow for these discounts.

To really gain cheap car insurance, consider the following factors especially if you have not yet purchased a new or second hand car.

- The customers' profiles are the most common factor that is considered by insurance companies i.e. the persons age (see young drivers car insurance), if the insured person has been a safe driver with nil or just a few such records of accidents low premiums would not be difficult to obtain.

- The size of the car engine and the car model and are also factors that make a difference to the available insurance rates. The more the car is worth and the faster it drives, the higher the car insurance costs.

- Female drivers are given a special acknowledgement by insurance companies and cheap car insurance policies are available for women in the UK. This is due to the reason that females are defensive drivers and take less risks being more cautious and alert than men.

- You can also get discount on your car insurance for having anti-theft devices in your car, airbags, and other safety features such as antilock brakes, and using automatic seat belts.

- It is vitally important that you provide the insurance company with true and complete information about yourself and the vehicle that is to be insured. If you fully satisfy the insurance company's' criteria then you will get good, cheap car insurance quotes.

- Some insurers also offer car insurance discount when a customer buys more than one policy for other vehicles or other insurance, as mentioned above such as home insurance, life insurance etc. Insurance providers may offer substantial savings if you take out a policy for more than two cars.

To get the best deal you should record and compare all the car insurance quotes received for the same coverage and for the same time period. For obtaining numerous quotes, you can also contact local insurance agents or research online. The latter option is helpful in obtaining quicker quotes.