Friday, 9 May 2014

10 Tips To Get The Best Deal On Car Insurance

Car insurance can be prohibitively expensive for a lot of people, particularly the young. Many of us are paying well over the odds, but it doesn't have to be this way! Take a few minutes to read these tips and you could potentially save a sizable chunk on your car insurance.

1. Car Comparison Sites

If you haven't heard of these sites then you must have been living under a rock. The annoying adverts have been infiltrating our TVs and radios for many years now. Our favourites are,, and It is worth remembering when you use these kind of comparison sites that they do not compare prices from Direct Line or Aviva. Don't forget to check those too.

These sites do not compare the same insurers, if you just use one of the above comparison sites you will not be getting the full picture and may end up losing out on a cheaper deal.

2. Check Specialist Quotes

Whether you're young, old, female, male or drive a specific type of vehicle, you may be able to find a great deal from a specialist insurer.

3. Get Quotes For Third Party And Comprehensive Policies

Don't always assume that third party fire and theft will be cheaper than comprehensive insurance. If you have the time it is worth checking out all the options, you might be surprised.

4. Add A More Experienced Second Driver

Try adding a second driver to your policy. Particularly if you're a younger driver it can sometimes actually lower your premium.

5. Consider Multi Car Policies

If you're living with your parents you may want to take a look at multi-car policies, they often work out cheaper.

6. Getting 'The Right Car'

If you haven't already bought your car then spend some time researching the models that will be cheaper to insure. Typically smaller, less powerful cars are the way to go. The Fiat Panda, Citroen C, Ford Ka and Volkswagen Fox are the kind of things you should be looking at. Sorry to burst your bubble if you had dreams of driving a brand new BMW or top of the line Range Rover.

7. No Modifications

If you wish to slam your ride, fit some new alloys, change the sound system, exhaust or perhaps even the engine then you will certainly end up paying more for it when it comes to insurance! Avoid the temptation.

8. Get Additional Driving Qualification

Most of us don't bother, but for those that do a higher qualification such as Pass Plus can make a big difference to the cost of your insurance. 

When you've just passed your test it might seem like the very last thing you want to do, especially considering the additional cost - but it will make you a safer, more competent driver and with the savings you will receives in insurance it will pay for it faster than you might think!

9. Pay Yearly

If you can afford the upfront cost it is usually best to pay for a whole year rather than monthly. This way you avoid the monthly interest charges that insurers slap on top.

10. Increase You Excess

Opting for a highly excess can often result in a significantly cheaper quote. Remember though that if you are involved in an accident that that same excess you opted for doesn't cripple you financially.

No comments:

Post a Comment