Car Insurance Birmingham

Car Insurance Quotes Birmingham – Compare Cheap Policies from Top Providers

Car insurance quotes in Birmingham aren’t the most expensive in the England, at least according to most industry data – that dubious honour usually falls to London or Manchester.

However, Birmingham is obviously a major city, and car insurance in cities often costs more than an equivalent policy might cost in a small town or village.

That’s why it would be a good idea to compare quotes from a wide range of providers when you’re looking to insure a car in Birmingham – by shopping around in this way you stand a far better chance of finding a suitable policy at a competitive price.

Compare car insurance quotes in Birmingham

Why does the fact that I live in Birmingham affect my car insurance quotes?

Insurance companies obviously take a wide range of risk factors into account when calculating your premium, including the type of car you drive, where you park your car overnight, your age, long you’ve held your driving licence, whether or not you have any points on your licence and whether or not you’ve claimed on your insurance in the past five years.

However, your location will be taken into consideration too, and the reason for that is that where you live can affect your likelihood of claiming on your insurance.

For instance, the crime rate in the part of Birmingham you live in will often be factored into the insurance premium calculation because drivers in areas with more crime are more likely to have their vehicles broken into or stolen. Similarly, motorists in parts of Birmingham with higher accident rates are more likely to be involved in a road traffic accident themselves, so that will often be factored in too.

OK, but then does that mean Birmingham car insurance costs more?

It’s fair to assume your Birmingham car insurance policy will cost more than you’d pay for the same cover from the same insurance provider if you lived in the countryside or in a small town, because small towns and villages often have lower crime rates than major cities.

Similarly, many towns and cities have much less congestion than major urban centres like Birmingham, and areas with higher congestion generally have more road traffic accidents so that will likely affect the cost of your Birmingham car insurance too.

In that case should I use a car insurance broker in Birmingham to find cheaper quotes?

Car insurance brokers in Birmingham may know your local area well, particularly if they have offices in the particular part of the city you live in yourself.

However, that local knowledge doesn’t necessarily translate into cheaper car insurance for drivers in Birmingham.

The reason for that is that insurance providers typically use a wide range of data points when calculating their premiums, and while some of those risk factors are geographic in nature (eg your local area’s crime rate and the average number of road traffic accidents in your area), insurers use official data compiled by police forces and governmental departments when assessing those factors so local knowledge plays very little role.

While there is certainly no harm in speaking to a car insurance broker in Birmingham to find out what type of quotes they’re able to get for you, you shouldn’t stop there. By using a price comparison site like Quotezone.co.uk to compare quotes from 100 or more other insurance providers, you’ll then be better informed as to whether the quote from the car insurance broker in Birmingham is actually a good deal.

Written by Philip Malcolm Hoey, Editor of Quotezone.co.uk

Reviewed on 1st November 2023 by Philip Malcolm Hoey