Manchester Car Insurance

Car Insurance Manchester – Compare Cheap Quotes

Industry data suggests the average cost of car insurance in Manchester is higher than almost any other part of the UK, which means it’s even more important to shop around for cheap car insurance quotes if you live in Manchester. And that’s where we come in.

Quotezone.co.uk’s car insurance comparison platform can help drivers in Manchester compare car insurance quotes from more than 100 insurance providers side by side, making it more likely that they’ll find the right policy at the right price.

Compare Manchester car insurance quotes

Is it true car insurance in Manchester is the most expensive in the UK?

Most industry data shows that Manchester is one of the most expensive cities when it comes to car insurance premiums, but it isn’t the most expensive – that dubious honour usually falls to London or Liverpool.

Still, Manchester car insurance premiums do consistently rank in the top three, although the price you pay for your own insurance policy will obviously depend on a wide range of factors besides your location.

Why does my location even affect the cost of my car insurance?

While insurance providers take a wide range of risk factors into account when calculating your premium, including your age, the type of car you drive, where you park your car overnight, how long you’ve held your licence, your driving record and the the size of your no claims bonus, risk factors relating to your location do play a role too.

For instance, the crime rate in the part of Manchester you live in will often be factored into the insurance premium calculation, as well as the average road traffic accident rate in your area. Given that major cities like Manchester often have higher crime rates than more rural areas, and often have higher accident rates due to more congestion on the roads as well, it shouldn’t come as much of a surprise to learn that car insurance in Manchester often costs more than in many other parts of the UK.

Should I use a car insurance broker in Manchester to find cheaper quotes?

Car insurance brokers in Manchester may know your local area quite well, particularly if they have offices in the particular part of Greater Manchester you live in yourself. However, that local knowledge doesn’t necessarily translate into cheap Manchester car insurance quotes.

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 Manchester 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 Manchester is actually a good deal.