Tips and Tricks to get cheap car insurance.


Never assume that loyalty is rewarded by cheaper car insurance.
 

Car insurance companies often offer great deals for new customers but make big increases in the second year. An example of this is the car insurance on my wifes car which was due last week. 12 months ago she got a great deal on her motor insurance and this time around they wanted 20% more. A quick search showed that as a new car insurance customer the price would be 18% less.


Consider buying online

The best deals are often to be found online as it is a lot cheaper for the companies and discounts for online car insurance purchases can be as high as 20%

Don't rely on comparison sites always offering the best deals on car insurance.

The likes of moneysupermarket, confused etc are paid a commission if you take out car insurance through them and not all companies use them. A recent example of a deal which was not available on comparison sites was from Tesco Car insurance who offered all new customers a £40 gift card but the terms stated the offer was not available for customers using comparison sites. Also remember that companies like Direct Line only deal direct so their insurance offers are never available on comparison websites. 


Pay a bigger excess if you really are after cheap car insurance. (but if you have an accident prone history you might want to ignore this one)
By paying a bigger excess you can and will reduce your annual car insurance premiums. 

Think whether you need the extras that are sometimes included.

If you really want cheap car insurance go for basic policies not the premium car insurance policies that include things like courtesy cars , breakdown cover and windscreen cover.

Car valuation

When you enter the valuation don't value it at more than it is worth as should you have an accident where the car is written off the insurance company will only pay you the market value. (don't undervalue the car either) 


Car Mileage

Give the true figure as you don't want to over estimate your annual mileage as this can lead to a higher car insurance premium.

Annual or monthly payments.

You will sometimes find you can save a bit in the search for cheap car insurance by paying annually rather than monthly as many insurers like HSBC will charge you more for paying monthly.

Second Car Driver.

Sometimes something as simple as naming a second driver whith a good driving history can lead to reduced premiums and cheaper car insurance.

Specialists

Some insurers specialise in specific areas of the market, InsurePink is for ladies and Saga for motorists who are over the age of 50. 

Advanced Skills

Some car insurance companies will give you a discount if you are a member of something like the Institute of Advanced Motorists.

Car Security

If your car has extra security like an alarm or immobiliser this will often help in your quest for cheap car insurance.
You will also find discounts available if you garage your car at night or park it on your drive.

So hopefully now you too can benefit from cheap insurance!!

If you have a good motoring history they offer up to 90% no claims discount.

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Two or more cars in your household? Unlike some other providers who may offer a multi car discount if you insure a second car with them, Admiral's MultiCar insurance policy actually combines the cars on a single policy, which means your discount better reflects your circumstances and gives you a bigger discount!

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Those aged over 50 can often benefit by buying from an over 50 car insurance specialist.

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