Cheap Car Insurance Birmingham

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Guide to Birmingham Car Insurance

By Wajahat Raja
Wajahat Raja
Wajahat Raja Insurance Expert

Wajahat is an accomplished writer with a drive for finance and content creation. He has an MSc in Accounting and Finance from the University of Northampton. He has a keen interest in exploring a variety of topics like subjects insurance, private equity, and investment banking. His work demonstrates his passion for writing informational pieces which make him an asset in the field of finance


Expertise: Finance, Insurance, Home Insurance, Public Liability
from the MultiQuoteTime Editorial Team Jan 2024

Getting a cheap monthly car insurance policy that doesn’t compromise coverage might be challenging in Birmingham. Primarily, this is because Birmingham currently stands as the most populated city in the West Midlands, with about 634,260 registered cars on its roads. Among other cities in England, Birmingham holds the record for paying the combined highest car insurance premium of about  £1,076,234,607 annually. That’s about two times higher than Liverpool, who has a combined insurance cost of £606 million. 

Car insurance with a CCJ order

Nevertheless, it’s still possible to secure an average cheap car insurance, costing around £900 per year in Birmingham [Reference link].  Factors such as your age, driving history, and postcode may increase or decrease this quote. The general rule of thumb is to shop around multiple insurance providers, carefully check coverage policies, and compare quotes to ensure you get the best rate for your car. 

At Multi Quote Time, we aim to provide you with the knowledge required to make informed decisions when selecting a cover for your vehicle. To help you decide, we’ve reviewed some cheap car insurance companies in Birmingham based on their average costs and policies – whether full coverage or third parties.

Car Insurance Birmingham – Compare Cheap Quotes

If you live in Birmingham and are searching for cheap car insurance, Multi Quote Time can help you compare quotes to get the best deal. 

In order to get the best deal on car or Birmingham taxi insurance, it’s vital that you compare quotes from a wide range of insurance companies.

We can provide you with access to a range of quotes from a panel of UK insurance brokers that are able to tailor polices to you or your Birmingham car insurance requirements.

  • Cover available for all drivers young, old with and without convictions
  • Polices can be tailored to your requirements
  • Flexible payment options
  • One short form – save time & money

Compare quotes to find cheaper car insurance in Manchester

Take a moment to compare quotes and discover the cheapest monthly car insurance options in Birmingham, Bradford,  Manchester or any other UK or NI town or city. Additionally, consider reaching out directly to the car insurance companies that are not on comparison sites, including the following companies:

  • Hastings car insurance plans (Direct YouDrive, Essential, and Premier)
  • Swiftcover
  • People’s Choice
  • Admiral Insurance
  • AXA

How does postcode affect car insurance premiums in Birmingham?

Postcodes with higher crime rates, including vehicle theft or vandalism, will likely face increased insurance premiums. If you reside in  B2 and B3, including parts of Birmingham City Centre and Ladywood, you are likely to pay higher car insurance costs. This is because the crime rates in these areas are about 47 and 78 crimes per one thousand persons, respectively.

However, when you reside in the northern localities like B74, B75 and B44, comprising Erdington and Sutton Coldfield constituencies, you pay a lower premium, as these areas have a lower vehicle crime rate, with only 7.5 vehicle crimes per one thousand persons.

Other Factors influencing car insurance rates in Birmingham

Quotes for young drivers can be as high as three times the quotes for experienced and older drivers. Here’s why: age is a good way to determine experience and carefulness while driving. 

On that note, young drivers aged 20 years can pay a high premium in excess of  £2,000, while older drivers of 80 years and over can pay much less. Alternatively, younger drivers can install a black box to pay less.

Age

Age: Younger drivers, especially those with a learner's permit or newly licensed, pay higher insurance costs than senior drivers due to their higher risk profile. In Birmingham, an 18-year-old driver pays over  £2,000 in car insurance premiums annually.   The rate varies depending on your resident area. However, you can secure a black box car insurance that monitors your driving behaviour for a cheap insurance policy.

Driver Drivinging History

Driving History: Convicted driver insurance premiums are higher. Insurers place individuals with a history of accidents, violations, or claims at higher risk. Overspeeding, reckless driving, and running red lights are traffic violations that can also increase your insurance quote.

Policy Type or Level of Cover

Policy Type: You need to understand different types of coverage to customise your policy to meet your specific needs. Whether fully comprehensive, third-party, or collision-free, it is important to check your policy details to see if there are any restrictions. Don’t focus solely on the premium cost.

Tips for obtaining cheap car insurance quotes in Birmingham

Obtaining cheap car insurance in Birmingham, like in any other location, requires a combination of factors, which include:

Policy Type or Level of Cover

Comparison shopping: When you compare insurance quotes, you gain insights into the varying rates and offerings in the market. This process can help you identify competitive deals in Birmingham, potentially leading to lower premiums or better coverage for your needs. You can use a car insurance calculator to know your premium estimate

Look for Discounts and Incentives

Taking advantage of discounts and incentives:  You can optimize your insurance coverage to suit your needs by actively exploring and taking advantage of discounts like multi-vehicle discounts, good credit discounts, good student discounts and others.

Maintain a good driving record:

Accumulating penalty points on your driving license affects your insurance costs in Birmingham. Insurers consider your history of accidents and speeding tickets to determine your quote. Drivers with bad credit on their vehicles get a higher insurance cost.

  • Comparison shopping
  • Explore insurance discounts
  • Keep a good driving record and reduce speeding tickets
  • If you have a bad credit score, work on improving your credit score
  • If moving house, consider the post in relation to perceived insurance risk

Explore the cheapest car insurance options in Birmingham with Multi Quote Time. Compare quotes from top Birmingham insurance providers and secure the best deal for your vehicle. Simply click on GET QUOTES, fill in a simple form, and gain access to multiple quotes from a p[panel of insurance brokers.

Compare Car Insurance Birmingham  

  • No premium loading for your financial issues
  • One short form – save time & money
  • Multiple Quotes from UK insurance providers
  • Get tailored quotes in under 5 minutes
Cheap Manchester Car Insurance

**51% of consumers could save £529.95 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next five cheapest prices
quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from February 2024 data. The savings you could achieve are
dependent on your individual circumstances and how you selected your current insurance supplier.

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