Shopping around could just save you £££s
Car insurance is a fiercely competitive market, so there will likely be plenty of companies fighting for your custom. Make the most of it and compare several quotes before making your final decision. Don't just look out for price either. Paying for your policy is just the start. You should to be confident that if you have any problems with your policy - such as you need to make a claim - that the level of service will meet your expectations. In this case, you may be better off paying a little bit extra to insure with someone you may have already heard of, or used before, or have heard good things about from a friend or relative.
Remember that to keep any online discount that you are given, you will most likely have to purchase the policy online, rather than over the phone.
Research suggests that results from aggregator sites (price comparison) are not always that accurate, and to receive a true quotation, consumers should rely only on the information supplied during a quote on the insurer's own website. For this and other reasons, insurers like Direct Line refuse to use such services. You can be assured that all links from this site go directly to the insurer of your choice.
Our full list of car insurance providers who provide online quotations can be found here.
- Buy online - the easiest and most obvious one! Most insurers offer some kind of incentive for you to buy online. Click here for over 30 online car insurers.
- Voluntary excess - by simply increasing your voluntary excess (the amount you agree to pay towards a claim) your insurer will likely reward you with a lower premium.
- Vehicle security - some insures will apply discounts for approved alarms, immobilisers or tracking devices on your vehicle. Check out the options while you are completing your car insurance quotes.
- Keep all your eggs in one basket - insurers like customer loyalty and will likely reward you for having multiple polices with them.
- Take the right level of cover - consider the value of your car when choosing a level of cover. Is an insurer likely to write your car off instead of repairing it on comprehensive cover?
- No claims discount - you've earned it so try and keep it. NCD has a huge impact on your premium. Only claim if you really have to. A scratch is easily fixed by yourself or a friend and really shouldn't warrant a claim.
- Ditch the kids! - 'fronting' a policy for your children no longer makes financial sense.
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