How to get the best car insurance deal
Car insurance is expensive; you need to push down the cost of your premium so here are our top 12 ways to help you get the best car insurance deal
1. Drive a car in a Low Car Insurance Group
Choosing to drive a model and make of car in a Lower insurance group is the easiest way to reduce your car insurance.
Every car, driven in the UK is given an insurance group number from 1 to 50 depending on price, style and performance.
2. Pick your level of cover
Can you afford to replace your car if it was a write off in an accident? If you can’t then Fully Comprehensive insurance cover is best for you.
Are you driving an old car that’a not worth much? Third Party cover might be suitable.
Always check the price of both options you’d be surprised how often Fully Comp is the cheapest.
3. Protect your NCB
Don’t forget to keep evidence of any No Claims Bonus and make sure you can carry it over when changing insurers.
4. Voluntary excess should reduce the premium
All insurance policies have a compulsory excess the amount you have to pay towards any claim before the insurance kicks in.
You can add a “Voluntary” Excess to the insurance policy, and this can significantly reduce the amount of your insurance premium.
5. Make your car more secure
The safer the car, the lower the risk:
- If your vehicle has an immobiliser or alarm, this can help lower your insurance premium.
- Park your car somewhere safe overnight such as a garage or driveway insurers prefer you to park off the road.
6. Safe driving will lower the cost
Insurers like low-risk drivers and will reward them with lower insurance premiums, prove you are a safe driver:
- Take a Pass Plus or an advanced driving course.
- Avoid penalty points on your licence.
- An insurance claim will affect your NCB and push up the cost of your insurance.
- If you take out a telematics (black box) insurance policy which will assess your driving, this can lead to a lower premium.
7. Don’t modify your car!
Many young drivers like to modify their car’s for performance and appearance it looks good and may even increase the car’s value.
8. Pass Plus course
The Pass Plus is a driving scheme run by DVLA providing about six hours of tuition after passing the driving test.
The Pass Plus driving course will give you experience with things you have not encountered in your driving lessons, such as driving on motorways and driving at night.
9. Be accurate about your mileage
Be precise when giving your annual mileage, it’s true the lower the distance you drive, the less your insurance premium.
Be careful not to underestimate the miles you drive, in extreme circumstances this could affect a claim.
10. Add an experienced driver to your car insurance policy
Adding an experienced named driver to your policy is another way to get you lower car insurance.
11. Request a discount
When you are shopping around, go back to your current insurer and ask them to beat your best quote.
12. Insurers offering breakdown cover
Sometimes insurers offer car breakdown cover with the policy. You may find this is not the best price and level of cover available.
Check out the breakdown services they should give you a better deal.