How Your Life Choices Impact Car‑Insurance Bills
Think car‑insurance prices are just about age, mileage, and car model? Think again! Quotezone’s latest study uncovers some surprising lifestyle levers that can seriously dent your pocket.
Why Being Single Might Cost You More
According to the data, the average single driver in the 35‑44 age bracket pays roughly £45 more per year than their married counterparts. Insurers see single drivers as a little riskier—and the extra charge reflects that.
Children Add Up
- One baby? Expect a £92 bump.
- Each additional child can raise premiums by an average of £5 to £181 per year.
Home Sweet (and Profitable) Home
If you’ve got a private driveway, you’re looking at a £268 annual saving compared with parking your car on the street. Working from home can slash costs even further—up to £331 in savings versus a typical commute.
Let’s Talk Numbers
Our coaches also figured out that a “social and commuting” policy typically costs about £1,127 versus just a “social” policy at £796. Pretty wild, right?
Space‑Saving Tips from Greg Wilson, Quotezone CEO
“Insurers are getting smarter about the lifestyle factors that shape risk—marital status, kids, workplace habits—all of it feeds into how they price you. The key is that each quote is one‑off, so personal details matter.”
- Grab a smaller car and get a smaller engine—big savings.
- Keep up a tidy driving record: no‑claims bonuses are gold.
- Review your excess amount—lowering this can trim the premium.
- Boost your vehicle’s security; it pays off.
- Reduce mileage wherever possible.
By shopping around and tweaking these details, you can bring your car‑insurance bill down to a more friendly figure—no matter what your family setup looks like.
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