'
it's all about cheap insurance '
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
All you need to learn to get cheap car insurance or any type of cheap
insurance for that matter. Many factors make your premium more expensive,
particularly motor insurance. We tell you what influences policy prices
and how to get insurance quotes for less.
Insurance Advice
-
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.
-
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.
© insurance cheap 2003-2008
Updated 08 May 2008