Updated 12 Mar 2020 by Sam
Getting The Best Car Insurance Quotes
Cheap Car Insurance Guidelines
- Shop around for the right cover every year and avoid falling in to the auto-renewal trap
- Start thinking about all the policy choices, including telematics and multi-car
- Only pay for the cover you'll need, taking care with packaged add-ons Attempt to pay annually and to avoid making modifications to your automobile
- According to CarInsuranceCheck Think carefully about your business range of car, security measures, where you park plus the motorists named on the policy, and read our tips below to get more in-depth guidance Get the best motorcycle insurance.
Ways To Get Cheap Car Insurance
Use our top car insurance money-saving tips to find the right policy at the right price and cut the price of your premium. Getting a cheap vehicle insurance quote could be something of a challenge and – even although you handle it 12 months – you could have a nasty shock at renewal time if your premium has increased.
There are any number of reasons for this happening; your provider’s criteria may have changed; the insurer could have removed a brand new customer discount; perhaps you’ve made a claim or had a motoring offence in the last 12 months; maybe you’ve moved to a higher-risk address or added a motorist with a poor record onto your policy.
It remains true, though, that one of the biggest cash drains on consumers could be the price hikes related to auto-renewal of insurance – whenever a customer gets out from the habit of shopping around, insurers typically make use and inflate renewal premiums.
We all like a little extra money in our pocket, so try our tips for saving money on your car premium. Car insurance teams Limit your mileage
Limit the number of miles you drive each year and provide an exact estimation of that mileage when shopping for your quote. Try to pay annually.
Spending monthly can be convenient and/or all it is possible to pay for, but in the long run it’s almost always more costly than paying for your company insurance coverage up front with one lump sum.
The savings to be created by paying in one go can be therefore significant that, if you can’t manage it, it’s worth considering additional options such as having to pay on a 0% credit card – just make sure you can pay off the stability on the card before the interest-free period ends.
If you enhance your vehicle’s security you could be rewarded with a lower estimate, although you should check whether your insurer will acknowledge the extra security and consider perhaps the investment outweighs the saving. Think of devices such as alarms, immobilisers and wheel-locking nuts.
Increase your voluntary extra
Choosing a higher voluntary excess whenever you take out your business policy should reduce the price of the insurance coverage. Remember, though, that if you claim you may have to pay that excess before the garage gives you your vehicle back.
Build up your no claims bonus discount
Insurers frequently reward motorists who are claim free by reducing their premium, so building up your no claims bonus discount could really help you to get a cheaper policy.
Think carefully before spending money on any add-ons whenever buying your business car insurance…
Take care with policy add-ons
As with any packaged product, make certain you need the added extras you’re buying, that they’re suitable for your needs and that you don’t curently have sufficient cover from another source.
Typical car insurance add-ons include legal assistance, courtesy car address, personal accident cover, windscreen cover and protected no claims bonus, so discover more about these areas before buying something you might not need.
One of the most typical and confusing areas is when breakdown cover is along with vehicle insurance and also by making the right choice using this you may choose to save yourself significant cash – discover more in our article on packaged breakdown cover.
Consider your cover type If you have an older car that isn’t worth very much, it may be well worth considering a 3rd celebration, fire and theft policy instead of comprehensive cover to conserve some money.
But understand that 3rd party-based products might not provide cover level you need and they’re not constantly cheaper than comprehensive options.
Park with care
Wherever possible, park your car in a secure garage instantly or on a driveway. Parking off the road could lower the possibility of your vehicle being vandalised or stolen. Read more in overnight parking and vehicle insurance. Simply Take care with extra drivers in your policy. Putting an additional motorist on your policy can have a significant effect on premiums. One may not make much difference and will often even – based on the circumstances – reduce your quote, but including multiple motorists may well lead to increased cost. Advanced driving courses
If it is possible to, avoid having anyone under 25 on your insurance as the younger a motorist is, usually the more expensive your business policy will be. Consider your vehicle
Cars which may have a little engine, for example a 1.1 litre, are more likely to be in a low insurance group so tend to have reduced premiums. Road tax for a smaller-engined vehicle should also be cheaper.
Every insurer will treat every type of automobile differently, but get the right combination and also you could benefit. As an example, some classic automobiles can be extremely affordable to cover as insurers recognise the love that owners put in them and you could find a discount through an owners’ club.
Customizations – whether they’re upgrades to styling, audio or performance – may look good, but they could suggest a big hike in the cost of your insurance.
Incorporating alloy wheels, body kits and performance improvements to your automobile could ensure it is more popular with car thieves. Modified motors also tend to be expensive to fix than ordinary cars.
Take a driving course
Insurance is of prospective advantage to drivers of any age and can be contrasted alongside more traditional policies in our vehicle insurance quote process.
You should note that not all contrast internet sites or insurers takes such courses under consideration and that savings may not outweigh the program fee, but there are numerous many benefits connected with improving your driving skills. Read more within our article on advanced driving schools.
How does your work situation affect your premium?
Think about how you describe your work, and about the level of business usage (if any) that you need. If, for example, you don’t commute, you might be in a position to find a cheaper policy, while a ‘chef’ may spend a different premium up to a ‘cook’… but always make sure you’re honest when giving your business details to an insurer or you risk invalidating your business policy.
Look at a telematics policy
Telematics car insurance bases premiums on actual information about your driving, which is recorded by either a black box built in the automobile or a mobile phone app. The black box choice gets the added bonus of acting as a tracker should your car get stolen. Telematics car insurance
Telematics insurance is generally thought to benefit safe young motorists who are struggling to find affordable quotes, but it’s of potential benefit to drivers of any age and can be compared alongside more traditional policies in our car insurance estimate process.
Look closely at administration charges
Management charges are certainly one of the great hidden expenses on motor insurance and it’s all too an easy task to ignore their details when organizing cover.
If, for example, you change your vehicle, your job or your business address in the course of the policy, some policies may enable you in order to make the change for free, others may charge. When you arrange address it’s worth evaluating these costs – spending more for insurance coverage with reasonable administrative fees may save you more the policy.
Shop around for the right quote
You won’t be surprised to hear our top tip for getting the car protection plans you'll need during the right price is to look around. There are four common means of shopping for motor insurance:
Make use of a car insurance coverage comparison web site
A time-efficient method of comparing costs and policy details through one quick and easy search. You’ll have access to products from the majority of the SA’s leading insurers and you can search at any time of the afternoon or night. Note that you could have more trouble in finding the appropriate quote if your circumstances or vehicle are uncommon.
If using a broker understand that your search will be restricted to those insurance firms the broker relates to
Mobile individual organizations This is frustrating, can limit the comparison against many providers and may restrict the times when you can seek out your insurance. But your company questions can be answered straight away, you can haggle also it may be a method to find address for specialist vehicles or circumstances.
Look at insurance organizations’ own internet web sites
This enables you to definitely get a quote is likely to time, but this again can be a time-consuming option and one that limits the comparison against other insurers. Remember that some insurers such as for example Aviva and Direct Line do not feature on comparison sites. Additionally, a genuine comparison of multi-car policies can only be found by going to each individual company offering such deals – but multi-car policies aren't necessarily cheaper than organizing cover for vehicles independently.
Visit a brokerage or insurance company
Brokers will compare a quantity of various insurance providers on your behalf and this may be a way of finding cover for specialist vehicles or circumstances. Convenience can be a downside to using a broker and remember that your search will be limited to those insurance providers the broker deals with.