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The inside secrets to the very cheapest insurance quotes for your car. Many factors make your online motor cover cheaper or very expensive. We tell you what influences your policy price and how to get really cheap insurance quotes for less. Scroll down for our 10 hints for reducing the price of your quotes. 
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Hints,Tips and Hidden Secrets

  • Shop around. The best way to get low cost insurance (and you have heard it many times before) is to shop around. Whether you want to pay monthly or pay annually, if you get ten UK quotes the chances are that the most expensive will cost twice what the least expensive quote costs! The extra effort is worth it. Think how long you would need to work to earn that amount, so spending an hour getting a dozen online policy quotes can be time very well spent.
  • Job Title. Try playing around with your job title. If you are a music teacher try teacher, if you are a software engineer, try computer programmer. You'll be surprised how subtle differences can affect your premium.
  • Match the offer. If you are with a company you like and trust and you receive a lower quote from another company, why not contact your current online car insurance company at renewal time and ask them to match the offer. You will find that very often they are prepared to do so or even beat other house or motor insurance quotes by £10-£20.
  • Don't leave it too late. Getting holiday, health or unemployment insurance can be difficult or impossible if you leave it very late. If you try to arrange cover when you are actually on holiday, if you have a particular health condition or you know that you may need unemployment cover given that there are financial problems at your place of employment you have probably left it too late.
  • Policy Differences. Remember, not all cheap policies are created equal. Check the small print to see what extras might be bundled in the policy that be useful to you for windscreen cover, courtesy vehicle in the event of an accident, full European car breakdown cover, pay monthly, protected no claims bonus etc.
  • Misleading Information. All car insurers, no matter how reputable are very unlikely to pay out in the event of you providing misleading information. Those alloy wheels you put on your car must be declared. If you are a student, you cannot claim you are living at your parent's house even if you live there two days out of seven. Or if you are a new driver and claim you have a full no claims bonus but have not, then you could be in trouble if you have a motor accident. If your car stays on the street don't claim that it stays in a garage or on a driveway. If you place of employment has already announced there will be redundancy when you take out your policy, it is unlikely your insurer will pay out on your unemployment claim.
  • Leave time. Some companies will contact you with a renewal premium close to your policy expiry date. This often means people take the easy route out and renew their policies with their current provider. With a week's leeway, you should be able to find a much better motor or house insurance deal just by looking around. Others contact you so far in advance that you set the renewal aside and forget about it as it is too far in the future to worry about. Again you premium then gets automatically renewed if you do nothing and you are locked in for another year.
  • Young Driver Car Insurance. All young drivers know Endsleigh are good for car cover for young drivers or learner drivers, but make sure you check out the other companies too. Consider using the Pass Plus test and also think about the type of car that you have. A vehicle with a lower insurance group(low risk - group 1 to very high risk - group 20) will get you through the first years as young drivers in the UK when your no claims bonus is at its lowest and your premium is sky high.
  • Further tips. Comparison sites that come back with lots of quotes are a useful tool, but unlike us they don't give the full pictureComparison sites often make guesses about your profession, driving record and car, house etc. This means you really have to go through each quote again manually. Comparison sites often miss cash back discounts given by several companies, perhaps misleading you on the best quote. Some companies offer incentives for getting a quote or taking out a policy, incentives like cases of wine or car pressure washers are difficult compare on traditional comparison sites and they'll probably miss out on telling you about them all together. Multicar policies are something else that often falls between the cracks when you are presented with a list of premiums listed in order of price only. Finally a lot of great motor insurers including many of our best selling policies refuse to allow themselves to be used on online comparison sitesso you may not be getting the full story.
  • Be Honest. Don't forget, make sure that everything on your form is correct and don't be tempted to add anything untrue or leave out anything that you might be expected to declare. Insurance companies share information with each other and you can expect that information that one company is aware if that another is not, will not stay that way for long. This is particularly true if you have to make a claim. Also some things that were valid at the beginning of your policy might change before the policy expires. If you are going to exceed the mileage you stated, change your job, you develop a health condition, have a driving conviction, add a set of alloy wheels or just change your address you need to let your insurer know. If you don't, you risk the insurer deciding that you have broken the terms of the insurance agreement and are there uninsured in the event of a claim.

 

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Updated 31 July 2015