When choosing insurance for your used car, it can be tempting to just go for the cheapest option you can find but this is not a good way to choose your insurance company. Sit down and evaluate what you need from your insurer first and come up with a list of minimum criteria before you start looking at prices.
If you have already purchased your car, is it a matter of deciding what you need from the insurer – do you need a car and legal coverage, or are you just looking for the minimum possible coverage that you can buy legally?  If you are still considering which car to buy, then check the insurance group before committing to buy it, otherwise you may be a nasty surprise. "Some older used cars may end up costing much more to insure than you may have realized, because of the size of the engine, do your research before you buy," says Emily at Big Motoring World.
When you're ready to insure your used car, make sure you look around ̵
Okay, there may very well be cheap deals there but if it looks too good to be true it probably is. Many very cheap deals actually charge a large mandatory surplus if you need to claim, which means it will cost you a lot more money to have your car potentially repaired.
It may be with some of the cheaper options that you find some routine things are not included in the policy such as windshield repairs, or if you want to take your car outside the UK on vacation. Always check the lowercase letters before registering for a police officer.
So what other questions should you ask when choosing a car insurance policy?
You have to decide how much coverage you need because there are three different insurance options you can choose from – comprehensive, only third party or third party, fire and theft. It is important to know the difference so that you can see which one meets your specific requirements.
- Third-party insurance is the least you can buy – it only covers damage or damage that you cause to other people.
- Third party, fire and theft provide protection for damage and damage that you cause to other people but also cover your car if it is stolen or goes up in a fire.
- Comprehensive insurance cover includes damage to your own car and other people's.
Ask your insurer if they limit the mileage you may drive each year as if you have an accident and when you claim the mileage is much higher, your insurer may reduce or invalidate your claim.  Some companies may request a large surplus to be paid for all claims, depending on your age and experience, so always check the mandatory surplus on the policy before registering. This is how much money you will have to pay for all claims.
Not all insurance policies include legal or medical coverage, so check out the details and any additional costs this may incur when you read the small text. You need to know how much coverage is included if any.
Authorization cars are not offered as standard by car insurance companies, so if this is something you need to ask the question – it may be that the insurer can arrange one for you at an extra cost, but make sure you understand the position in advance. so you can avoid nasty unexpected bills.
If you are going to use your car in Europe, make sure you ask what coverage is available before you go you do not want to get any nasty surprises. This is not a standard aspect as many insurance companies do not insure outside the UK – you have to shop to get this coverage.
If you already have an insurance history, you should ask them what bonus they will not give you and you may need to protect it so ask if there is a cost for this service. It is also worth asking for any other discounts such as keeping your car in a garage overnight, being a member of a car organization or reducing the mileage you drive annually.
There are many aspects to consider when considering UK insurance for a used car but as long as you do your research carefully and not only go for the cheapest insurance option, you are sure to find insurance that meets your specific needs.
A smart way to lower your car insurance rate in the UK is to protect your bonus without damages and choose your used car carefully.