How to Get Cheaper Car Insurance

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Certain people find, that one of the largest costs in motoring can be insuring your car

. This is especially true for younger and inexperienced drivers. Although the idea though of remaining with your existing car insurance company is tempting, shopping around can often save you quite a bit of money.

1) Comparison check

One of the quickest and easiest ways to see if you are getting the best deal is to do a little research using a comparison website. They can rapidly get you a quote from a great number of companies by filling on one simple form. Confuse.com, Parkers compare, or Gocompare.com will all give you an idea of the cheapest rates on the market.

2) Buying new
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A tactic that might normally pay better dividends for newly qualified and younger drivers is to ask the dealer as manufacturers sometimes throw in insurance as a sweetener. The catch however could be that you have to take out their finance package too, so make sure to check the premiums before agreeing.

3) Secure your car

Fit your car with security devices, wheel locks and tell the insurance company if you garage the vehicle or if it is securely parked up at night. Driving a car with a cheaper insurance rating and taking additional driving qualifications like Pass Plus can also help reduce the cost and insurance companies will always give favourable rates to low mileage drivers so inform them if you only occasionally use the car.

4) Named drivers

If you have a responsible, experienced and unblemished driver as an additional named driver on your policy, this can sometimes further lower the cost of premiums. This however is different to the illegal practice of fronting, where parents put themselves down as the main drivers on their children's cars. If you do this and are found out you will most likely face criminal proceedings.

5) Benefits

When enquiring about insurance policies, the companies will offer you lots of added extras to increase the price. While some may be perfectly useful, ask yourself before agreeing whether you really need them and the additional costs they will incur.

6) Annual or Monthly?

A lot of people automatically elect to pay for their insurance in monthly instalments, this can quite often work out more expensive as the firms will add and additional administration/ interest charges on to the figure. If you can pay outright in one go, you will find the cost is less.

7) Approach the Insurers

It can seem easier to go through an insurance broker, no need to contact the companies yourself and all the liaising is done automatically for you. Brokers however will have a fee or commission rate that is likely to push up the price as well.

8) Ask

Having the barefaced cheek to ask the insurance companies what discounts they offer or play them off against one and anther can also reap rewards.

9) Timing

Choose the right time to enquire, end of the month and early evening are good, this is when daily figures are calculated or monthly bonus paid. Sales staff are more ready to negotiate at these times to hit their targets.

10) Payment

If you get your insurance through a supermarket chain use a cashback system or loyalty card to save money. While not putting thousands in your bank it will still help a little.

How to Get Cheaper Car Insurance

By: Carolyn Clayton

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