How to get cheaper car insurance
Here are a few simple steps that might help to reduce your car insurance:
Plan ahead and don’t get insurance quotations at short notice, the premium quoted will often be higher than if the policy starts in say four weeks time.
Be clear what type of cover you require. Do you only use your car for social and pleasure, or do you use your car for work too? Not only can this affect your premium, if you are not accurate, in the event of a claim your insurance cover could be null and void.
Some car insurance providers offer European breakdown cover and other benefits such as a courtesy car in the event of an accident. These benefits might be worthwhile but in other cases might be an expensive luxury that is not required. It is worth mentioning that some extras can be better than if you purchase them separately. For example Privilege offer up to 90 days continuous breakdown cover in Europe with Green Flag, whereas purchasing annual cover with Green Flag direct only gives you 30 days continuous cover!
If you have a partner, this can often reduce the insurance premium by including them on the policy. Name your drivers and eliminate unnecessary ones if possible.
Build your no claims bonus by avoiding accidents or claiming on your insurance.
State the number of miles that you do each year. Again it is important to be realistic, do not under estimate it but on the other hand there is no point saying you do 30,000 miles a year when in fact working from home has reduced your driving to just 5,000 miles per annum.
Add a tracker or immobiliser to your car.
Increase your excess to lower your insurance premium. Insurance policies are to protect you financially from expensive claims such as personal injuries or car write off. Think how much excess you can easily afford, £100 or £700. Usually, the higher the excess the lower the annual insurance premium.
Use our price comparison service. When comparing quotations, ensure the Excess, Legal Protection and Courtesy Car are like for like and that the cover offered is what you require.
Buy online – it’s usually cheaper. Sometimes, however, a quick call to your current provider might result in a reduction to stop you switching
Our price comparison engine compares insurance quotes from top UK insurance providers to help you save money
