How to find cheap car insurance

How to find cheap car insurance

1. Get a quick quote using the comparison site
The price comparison site is suitable for starting so that you can get multiple quotes immediately. Since the site is not always 100% reliable, check again the policies you are interested in and make sure that everything you need is what you need when you click on the provider's website. Not all providers are listed on the comparison site. Please also check Aviva, Direct Line, Zurich to see if you can offer cheaper rates.

Learn more: Price Comparison Sites - Tips to get the most out of them

2. Set the right surplus
If you want to further withdraw the excess of the amount paid in case of complaint, you will receive compensation with insurance premium less. However, please carefully select the excess.

If you set the bar too high, especially if you are too close to your claim limit, your automobile insurance claims may be meaningless or expensive.

For details: car insurance: add-ons - fees and expenses to be aware of.

3. Careful selection of occupation
Insurance companies see many factors in calculating cover costs, including what you do for living. However, the occupation used can have a broad meaning that means that many drivers fit many different segments.

For example, if you publish as a writer and serve as a journalist in your profession, you will be more likely to pay than you have editors, copywriters and even reporters. Even if you are unemployed, if you are a housewife or a person in your home, you can save money by self-employed as if you were at home instead.

But remember that you should never lie about work. If you are a bakery, you should not say that you are not a butcher. This is considered a fraud and you may be prosecuted.

4. Avoid changing cars
Do not be misled by thinking that the insurance company thinks that the car of the boy racer is remodeled. Even with a small change to your car like a new alloy, your premium may rise. If you are going to make any changes to your car, let's discuss with your insurance company first.

Conversely, your car changes that increase safety can save you money. When installing an alarm, tracker, or immobilizer, car insurance premiums may fall, especially if approved by Thatcham, a car safety survey company.

5. Pay your cover every year (if you can afford)
Insurers can pay insurance premiums in two ways, on a monthly basis or in a lump sum payment. Paying every month may seem like a wise way to share costs, but it costs more than 100 pounds to pay each year.

In order to pay for monthly payment, it is usually necessary to receive loans from your provider with high interest. Although there is a possibility that the APR will change, it may be as high as 40%. Some insurance companies also charge a fee to set monthly payment plans. For example, Kwik Fit will charge £ 35 to provide you credit.

Please always check monthly payment fee and compare annual cover and expenses. At the comparison site, what you are planning to pay is not always clear, so please check with the insurance company directly before accepting the estimate

6.Huggle
Because insurance companies often reserve the best deal for new customers and boost premiums for loyal policyholders, they can negotiate with the provider when renewing insurance contracts.

In November 2016, we asked over 4000 people. If they exaggerated the cost of their car insurance in the past year, they said that about half of them took them - and 79% of them said the incentive to stay in better trades and insurance companies Was offered.

You have tried and you can increase the chances of getting a discount on your car insurance with a heavyweight script tested:

"I want to know why my update price has risen"
Wait for response. Explain that you shop and offers the cheapest estimate details.

'[Other provider's name] quotes me [offer details]. Are you ready to make this estimate better?
Wait and see what the call handler says. If they fail this offer, you can push it a little stronger.

"What is the minimum fee that you can tell me to protect me as a customer? If it is not better than this cheap estimate, I will go to a different place.
At this point, the call handler needs to provide some incentive to stay. Whether you accept it or switch to an inexpensive provider is up to you.

Learn more: yell yell - see the top ten tips for shouting

7. Check specialists
Drivers over the age of 50 and drivers under the age of 25 are statistically more likely to be involved in accidents than other drivers.

However, black box auto insurance is also known as telematics and can be used by car drivers trying to save money. The black box is attached to your car and monitors your way of driving. If you can prove that you are a good driver, you will usually be rewarded with a cheap cover.

If you are an old driver, there are specialists / providers such as Age UK, RIAS, Saga. You can get quotes.

Learn more: Car insurance under 25 and car insurance over 50 years old - Hints for young people and older drivers.

8. Try a broker
If you still have difficulty finding the right car cover, please use the British Insurance Brokers Association 'find broker service'. Please call 0370 950 1790 or check the details at biba.org.uk. Which one can you also contact? Money help line seeking advice on finding covers.