We’re all going on a summer holiday…
As of this week, here are the places to consider if your car insurance premiums are sky-rocketing, and frankly, you’re looking to move somewhere cheaper…
Well, you’ll need a spade and a bucket.
Drum roll, please…
- The Isles of Scilly.
In first place, you’ll find this little piece of heaven just off the coast of Cornwall. Now, you can’t just expect to jump into your Polo and drive on over to this place. You need to fly or sail. So, I’ll let you guess how rural these islands are.
You’re looking at an average cost of just £305 each year. Does anyone else fancy quitting their day job and heading to Cornwall?
- The Isle of Wight
Another island takes a well-deserved spot in the top 2. Known for its beaches, we can’t imagine you’ll need a car too often. Especially as it only takes an hour — give or take — to drive from one end of the island to the other. If you’re looking to road trip around the entire area, then reserve around 3 hours instead.
You’re going to be on the pricier side of premiums if you compare it to The Isles of Scilly, but you’re still only looking at an average yearly cost of £449.50.
Why does my address affect my car insurance premium?
Don’t be too disheartened if you live miles away from the Isle of Wight, or the Isles of Scilly.
Research shows postcodes have always affected premiums. The more remote your area is, the less your car insurance is likely to cost. If you’re living in a big time city like London, however, you can expect your premiums to soar.
This is because insurance providers use certain statistics to determine costs based on areas.
Here are a few to consider:
- Population: I mean, you can’t really compare the Isles of Scilly to Manchester, can you?
- Traffic: same logic applies here. Then again, we’ve been known to wait for hours in a queue to the only Co-op in small villages around Lincolnshire.
- Crime: let’s think about it. Is the elderly Petunia from next door going to nick your catalytic converters if you live in Holt?
- The number of claims made for personal injury: if there’s a lot of accidents around your area, that’ll shoot up the number of claims.
- Claims in general/accidents: see the previous bullet point
- Roads that could be riskier than normal: again, bigger cities will have a higher likelihood of accidents around junctions, roundabouts, and our favourite: cycle lanes.
Where can I find cheaper car insurance?
Why, right here, of course! If you’re not in a position to move to the Isles of Scilly or the Isle of Wight (let’s face it, it’s highly unlikely), then this is where we come in.
Simply fill out this form and let us do the rest.