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Shop
around. The
best way to get cheap car insurance (and you have heard it many
times before) is shop around. If you get ten quotes the chances
are that the most expensive motor insurance will cost twice what
the cheapest 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 policy quotes can be time well spent.
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Match
the offer. If you are with a car insurance company you
like and trust and you receive a lower quote from another motor
insurer, why not contact your current provider at renewal time
and ask them to match the offer. You will find that quite often
they are prepared to do so or even beat the other quote by a £10-£20.
- Policy
Differences. Remember, not all 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 car in the event
of an accident, full European cover, protected no claims bonus etc.
One home insurance provider is currently providing free family annual
travel insurance for instance.
- Misleading
Information. Any insurer, no matter how reputable will probably
not pay out in the event of you providing misleading information.
Those alloy wheels you put on must be declared. If you are a student,
you cannot claim you are living at your parent's address even if you
live there two days out of seven. Or if you claim you have a full no claims
bonus but have not, then you could be in trouble if you have an
accident. If your car stays on the street don't claim that it stays
in a garage or on a driveway.
- Leave
time. Many motor insurance companies will contact you with
a renewal premium very close to your policy expiry date. This often
means people will take the easy route and renew their policy with
their current provider. With a week's leeway, you can find a much
better deal.
- Young
Driver Car Insurance. All young drivers know that
Endsleigh are good for a really cheap car quote for the younger driver,
but make sure you check out the other insurers too. Consider using
the Pass Plus test and
also think about the type of vehicle that you have. Vehicles with
lower groups will get you through the first years as a young driver
when your no claims bonus is at it's lowest and your premium is sky
high.
- Extra
cheap insurance tips. Comparison sites that come back
with lots of quotes are a useful tool, but unlike insurance
cheap they don't give the full picture. Comparison sites
often make guesses about your profession, driving record and car etc.
This means you really have to go through each quote again manually.
Comparison sites usually miss cash back discounts given by several
insurers, perhaps misleading you on the cheapest car insurance quote.
Finally a lot of great insurers including many of our best selling
policies refuse to allow themselves to be used on comparison sites,
so you may not getting the full story.
- Can't
beat your renewal quote? If the quote from your current
insurer is still better that the quotes we provide, try getting a
quote from Privilege.
They promise to lower the price of your premium if you have at least
4 years no claims bonus. Barclays
offer £50 cashback on their home insurance policy and Tesco
are offering a free Kärcher Pressure Washer worth £100
until the 25th June. The Post
Office are offering £50 cash back until the 30th June. Note
that terms and conditions apply to all these offers.
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