Car Insurance Sheffield

Car Insurance Quotes Sheffield

Whether you live in St Pauls or Crookes, and whether you are looking for temporary or annual cover, Quotezone.co.uk can help you find cheaper car insurance no matter what that coverage may be.

Why should drivers in Sheffield choose Quotezone.co.uk to compare car insurance?

Quotezone has compiled a large panel on over 110 insurers so you are given more choice when searching for the right quote. We can help you find cheaper car insurance in moments and all online.

Is car insurance more expensive for Sheffield drivers?

Whilst it is true that living in a larger city like Sheffield will impact your premiums, there are some other factors which can have an even greater impact on your premiums. For example the following all play a major role in your premium calculations.

• Age
• Level of coverage
• The car you drive
• Any previous claims
• Any penalty points against your licence

These factors can have a much greater impact on your premium than your location so there isn’t much point fretting over where you live.

How can you save on you car insurance?

There are a few practical steps that can be taken to reduce the costs on your premiums and save some cash. Here are some of the common ways drivers can save on their premiums:

• Opt for a higher excess – This is essentially where you volunteer to pay a higher excess in the event of a claim. The benefit of this to the insurer is that you will be covering a greater share of the claim amount so in turn you’ll be offered a reduced premium cost.
• Don’t mod your car – Modding can dramatically increase your premiums, it may even prevent you being insured.
• Only choose the coverage you need – Whilst it can be a greater peace of mind knowing that you have extra add-ons such as break-down cover and windscreen repair, you should also consider if you’ll actually need it.

Additionally, the easiest way of finding cheaper car insurance is essentially by comparing multiple quotes from different lenders. This is because you can significantly increase your chances of finding cheaper car insurance by comparing multiple quotes.

What levels of coverage are available?

There are 3 main levels of coverage for car insurance in the UK

• Third-Party Only (TPO) – This is the minimum level of coverage needed to legally drive in the UK, this is also typically the cheapest level of coverage. It only covers you for damage you may cause to another driver in the event of an at fault accident.
• Third-Party, Fire & Theft (TPFT) – This offers you all the coverage you can expect from a standard third party insurance policy along with the additional coverage against fire and theft.
• Fully-Comprehensive – This is the most comprehensive level of coverage available and includes third party insurance along with coverage for your own vehicle in the event of an at fault accident.

*Fully comprehensive can in some cases actually be cheaper than a TPO policy. This is because more risky drivers tend to opt for cheaper cover which in turn increases the premiums of these policies. As a result there are times where a fully comprehensive policy can work out as cheaper or equal to a third party policy in price.