6 Car Insurance Tips To Get The Best Deal
The average car insurance policy cost in the UK is just a shade under £700 and it’s one of those unavoidable costs involved with running a vehicle that can prove a drain on your finances.
You don’t just have to accept the pain, though. You can ease the burden by adopting the following six tips, which should help you to search out the best deal.
Look at the insurance before you buy or lease.
You should think about car insurance as soon as possible, using websites such as One Sure Insurance.
That means considering the cost side by side with the process of purchasing a vehicle or browsing deals.
By doing so you’re able to properly budget for your policy and not be stung by a bill beyond your means.
The future cost of your insurance policy might be the determining factor between two potential vehicles you are weighing up.
Search everywhere.
The wonders of the world wide web mean that it is now incredibly easy to run a search on comparison sites to get quotes from scores of different potential providers.
Don’t just stick to one search engine though and remember that Direct Line and Aviva – two fairly big players in this market – don’t appear on those comparison sites and might be able to offer you a better deal than you’re getting elsewhere.
Weigh up your excess.
As This Is Money notes, raising the cost of your excess can help to cut the cost of your policy premium.
Don’t go over the top though, aim to set the amount you’ll pay towards accident repairs at a level you’d be comfortable with and which doesn’t push up your premium too high.
Remember that you will recover the excess anyway if you’re involved in a collision that isn’t your fault.
Consider black box.
Telematic technology allows drivers to fit tracking ‘black boxes’ to their cars that relay information to the motorist’s insurance provider.
This black box insurance is worth considering, especially if you’re a young driver or an older motorist who doesn’t venture out during peak times. This is because insurance companies make assumptions about the level of risk you pose when issuing standard policies.
By fitting a black box, you could prove that you are a safe and careful driver who should pay less for their insurance and overcome the assumptions made about the types of driver listed above. It doesn’t work for everyone, but is an option that you should keep open.
Security devices.
You can increase your standing in the eyes of insurance companies by fitting security devices to your car.
Alarms and immobilisers can shave a decent amount of the cost off your premium. Some cars have these fitted as standard – don’t forget to point this out when you obtain a quote.
Pay in one go
Paying your insurance off monthly might seem the most natural thing to do but this will result in you paying more over the course of the contract.
At least consider paying it all in one go or, if you’d rather, look into paying your annual sum off with a zero per cent credit card. You can then pay this balance off monthly, without the added interest.
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My mom is into car insurance thus if ever i need sound advice and the likes, she is my go to person.
Car insurance is expensive! I love your tips! They will help me next time I’m shopping for insurance!
It is amazing how much it can cost isn’t it – I remember paying well over £1000 for my first year! x
Checking out your options is key, thanks for the great tips! We have one that is about to start driving so we will soon be in need f car insurance for him. Thanks for the tips!
Ekk good luck finding a well prices insurance for him 🙂 x
So many insurance are being offered and we don’t know what to get. Thanks for this post and for the tips! I shall share this with hubby 🙂
I agree with searching everywhere. Not because you feel like it is already the one you are looking for is you will stop there to look for more great deals. Sometimes it is worthy to research more.
It can be so easy to just go with the first one sometimes but definitely searching around is key to getting the best deal.x
These are great tips! Thank you for posting about what to look for and how to find the best of the best. Insurance can be a pain but in the long run, I guess if you need it, be glad you have it.
My husband has been with the same car insurance for at least 40 years. I thought we were paying high premiums but turned out we got the best deal. I was a happy camper when I found that out.
I thought black boxes were only on airplanes. I learnt something new today. You make some very valid points because believe me car insurance is way too high
The price of car insurance can be really outrageous. That is especially true if you are young. The black box is a smart way to get around high. costs if you are a careful driver.
Car insurance is one of those necessary evils but you definitely have to shop around to get the best rates.
We always say we are insurance poor. That’s what happens when a good friend is an insurance agent! Now that our girls are off our policies it is a bit better. Good tip!
Getting deals with almost anything is what we all like specially with a little more expensive once like the car insurance. Thanks for the tip.
It is always cheaper to pay the insurance in one lump sum if you can. We try to do that when we can, but it isn’t always feasible. I definitely recommend it if you can.
So glad that we have a great insurance company but if there were any way to make it cheaper I would definitely do it with these tips!
I am happy when my price went down a little this last time when I renewed but looking into other options is not a bad idea to make sure that I am not just settling.
The idea of paying this off in one go is scary but you are right that you end up paying more if you don’t. Great advice!
I have been with the same company since I was 17, with only 1 claim in 30 years. I need to look into another option, the price keeps going up and up!!
Fantastic set of tips and a whole lot of information there! My husband does everything for the cars, I’m going to forward this to him! Thank you!
These are great and it’s full of information that people can use as a reference when choosing their car insurance. A lot of offers will pop up so it’s good to know what you’re looking for.
Car insurance is a must so getting the best deal for it is also beneficial for car owners. These are great tips.
Thanks for these tips. I just did some car insurance searching this past week and found the lowest deal I could.
There are so many options for car insurance which makes it more confusing. I think these are very good tips and it’s something that people can use as a reference especially if they’re buying their first car.
I had the same car insurance company for years. It was easy I paid it and they gave me coverage. While at an event another company approached me about rates. I wasn’t interested but I allowed the guy to run numbers. They were cheaper!
Whenever it is time for me to renew I shop around for the best price instead of just being lazy like before.
Car insurance is pricey but not if you follow your tips then you will be guaranteed the best deal.
Oh, these are great deals! i like your post, I will share this with my friends and family.
These are great tips. I try to call everywhere and compare at least once a year. I love to find a deal.
This is the perfect time for me to see this! My boyfriend and I were actually insurance shopping this morning, and still have a lot to do!
Last year we switched to a new insurance company and it was defiantly the right choice! There are so many things to put into consideration so it isn’t easy.
having the right coverage is so important! my Dad sold insurance for a living so I know this to be so true. This is a great blog post and good tips for people who may not have access to someone like my Dad!
Great tips! My husband would love this info!
Car insurance can cost a lot of money. It is important to do everything you can to look for the best deal on it.
Such Great Tips Thank You I Really Need To Pay Upfront Instead Of Monthly I Could Use The Extra Cash On Something Else!!
These are important things to keep in mind. Car insurance is a big investment so you have to be totally sure.
Car insurance is ridiculous. We saved a fortune last year paying it one go, but this year we won;t be in that position, and knowing I will end up spending more is really annoying!
It is certainly better to pay off your policy yearly instead of monthly. Some companies will let you do it in 3 month chunks that save the ‘service’ fee.
Thanks for the tips. I hate shopping around for insurance!
These are great tips. Car insurance can get very pricey if you aren’t careful with who you go with and what coverage you have.
Car insurance is a must so saving money is good. I was thankful we had car insurance last year when our car was hit.
Car insurance can be expensive, and I’m always looking for tips to save some money. These are great ideas to put a little more money in my pocket.
The safety features are really a big deal when it comes to cost of insurance. The more, the better and we have seen great savings that way.
We had the same car insurance company for many years. They just kept going up and up on their prices for no reason. Finally, we got fed up and shopped around. We found a policy just as good as our former policy and it was a lot cheaper. It pays to shop around.