When looking for an inexpensive car, second hand vehicles seem to present the best option. It may save money immediately but used cars can come with their own set of problems that can prevent you from getting cheap car insurance rates. That’s why you should perform the necessary checks to ensure that your car’s history will not compromise your car insurance premiums.

Firstly, do a “hire purchase information” (HPI) check to look at the history of a car you’re thinking of buying. This check will reveal any important information about your car, including if your car has been stolen or written off. It can also tell you if it has any outstanding financial payments still due. One of the more useful advantage of an HPI if that it will give you an idea of whether or not the car’s asking price is pair.

If you don’t run one of these checks, and it turns out that you’ve bought a stolen vehicle, you could lose not only your car but the money you’ve paid for it also. If you discover that the car has been written off, your car insurance provider is likely to make you pay for more car insurance.


Another good predictor of car insurance rates is your car’s motor itself. If it has been modified at all in the past, you could end up paying a lot more than you would if the original engine stayed intact. This because car insurance providers believe that modified cars are more likely to be involved in car accidents and are expected to cost more to repair.

So, it is important to know about the full history of a car to save on auto insurance rates. It is imperative that you provide your insurer with accurate information, because “negligent misinformation” may result in serious implications.