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How much does car insurance cost?
Commonly regarded as a 'grudge' purchase, you can't legally drive without car insurance - but it's no small financial commitment.
How much you'll pay depends on a range of factors - from your age, the type of vehicle you have and where you live to your marital status and past driving history.
Several companies track prices within car insurance pricing and regularly publish trends - in the form of indices. Differing calculation methods and dates of publication can mean that the average figures don't always align.
While this range of figures outlines what your 'average' person might pay (or be quoted), in real life, there isn't an 'average' car insurance customer. It's personally priced - meaning that according to your personal circumstances, you may find that you pay a lot more or substantially less than the figures cited above
Source     Index/survey     Premium     Premium is average of     Date
AA     British Insurance Premium Index     610     cheapest prices quoted to customers     Q4 2018
Association of British Insurers     Premium tracker     466     premiums paid     Q1 2019
Compare the market     Premium Drivers index     736     cheapest prices quoted to customers     Q1 2019
Confused.com     Car insurance price index     762     cheapest prices quoted to customers     Q1 2019
Car insurance UK Price Index     Money supermarket     468     cheapest prices quoted to customers     Q1 2019
Which?     General Public customer survey     432     premiums paid     Nov-18
Video: how to get the right car insurance
Watch our short video to find out how to get the right car insurance for your needs.
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15 ways to get cheap car insurance
You don't have to simply accept the first quote you get from an insurer - there are plenty of legal tactics you can use to cut the cost of your cover.
 
1. It's cheaper to pay annually
 
Insurers will give you the option to pay for your cover in two ways - as a lump sum or in monthly installments. While paying monthly might seem like a sensible way of spreading the cost, you may actually be charged hundreds more over the year.
By paying in monthly installments you are, in effect, taking on a loan from your insurer. Most will charge you interest for it, and rates aren't cheap. In our last survey of insurers, the average amount of interest payable was 25% APR, with some charging as much as 36% APR.
If paying monthly is your only real option, be sure when shopping around to compare the insurers' monthly, rather than annual, premiums.
 
2. Your credit rating and insurance
 
If get a quote from an insurer, they will run a 'soft' search on your credit record. This is to verify the accuracy of your personal information (such as name and address) and won't impact your credit score or be visible to other companies.
If you then apply for insurance and opt to pay monthly, your insurer may then run a 'hard' credit check.
This information will help it decide whether to actually provide you the credit. Like any other credit application, this will be externally visible in your record and can affect how other lenders treat you.  
While this won't affect your premium, a bad credit score may stop you from being able to pay monthly, or insurers may ask you to pay a deposit first.
Find out more in our guide to credit reports: all you need to know.
 
3. Pick the right job title
 
What's the difference between a 'kitchen worker' and a 'chef', a 'writer' and a 'journalist', or a 'housewife' and a 'homemaker'? In practice, your occupation may be aptly described by any two of these - but the one you choose could make a difference with your insurer.
Insurers look at many factors when calculating the cost of covering you, and how you describe what you do for a living makes a difference.
If you've got a choice of different labels when entering your occupation, check if there's a difference in impact to your premium.
However, remember that you should never lie about your job. Don't say you're a butche
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