Tips for Cheaper Car Insurance

Car insurance is always a very expensive purchase, so it is worth trying anything in order to try and get it cheaper. Below are a few ideas that may help you get your car insurance for a lot less:

Make sure you shop around:

Spending a few hours online searching and comparing the deals for car insurance can mean that you save hundreds on either a new policy or on renewing your current policy.

By searching the many online price comparison websites, you will be able to get a quick and thorough idea of the many deals that you can choose from. The best offers are usually the ones that charge on a monthly basis.

Don’t pimp your ride:

A leading price comparison website discovered from a survey that making modifications to your car will cost you more on your car insurance policy. Modifications such as; lowering the suspension or adding a rear spoiler could up the cost of your cover by as much as 171 per cent.

Consider bundled insurance:

Sometimes some new cars come with free insurance for at least a year. This can be a big selling point, however, be careful not to rush into renewing your bundle cover when it expires, as it is always best to look around and compare deals.

Quote massage:

Many jobs have more than one title, for example, a lawyer is also called a solicitor. By searching for different legitimate job descriptions, or “quote massaging” as it’s also known, you could save tens or even hundreds of pounds.

Protect your car:

Many insurance companies will up the price if they think your car is vulnerable. To stop this from happening, try and park your car in a garage. If parking in a garage is not possible, then a driveway will still be beneficial to your policy. Another thing you can do to help lower your car insurance quote is to install a Thatcham-approved alarm and immobiliser to your car.

Add a second named driver:

By adding a second named driver to your policy, you could save 15 per cent on your car insurance. This is usually ideal for younger drivers, as adding an older named driver, perhaps a parent, could lower the cost of your cover. There is no need for the second named driver to ever drive your car.

Don’t claim under £500:

Experts often advise people not to make any claims for damage worth less than £500. This is due to the fact that most claims knock two years off your no-claims discount and can in turn wipe out very substantial savings that you have made of up to 70 per cent.

Take a course:

By completing a Pass Plus course; you could end up cutting the cost of your premiums by as much as 30 per cent. These savings would actually cover the cost of the course which is usually around £100 to £150.

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A leading price comparison website discovered from a survey that making modifications to your car will cost you more on your car insurance policy. Many insurance companies will up the price if they think your car is vulnerable. Another thing you can do to help lower your car insurance quote is to install a Thatcham-approved alarm and immobiliser to your car.

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