Compare Car Insurance
...and save a small fortune!
The first step to reducing the cost of your car insurance is to minimise your risk level. It’s not a difficult process but you should take into account the following factors that will impact prospective insurer’s perception of the risk you pose…
Careful Driving – Keep points off your licence. A single speeding offence adds approximately 5% to your premium and lasts for 5 years rather than the 4 on your licence. Add another and you are looking at a 20% increase.
Don’t Drive Whilst on the Mobile – If successfully prosecuted expect your premium to double.
Drive an Appropriate Car – a high powered, 150mph, super car isn’t appropriate for young drivers and insurance premiums will mirror.
Parking – If you leave your car in a drive or garage it saves up to 7%, so if you can park off road then do it!
Purchase Appropriate Cover – Only purchase comprehensive insurance if your car is worth more than £1,500. Also consider if you want a policy that includes a guaranteed courtesy car as you will receive a considerable saving if your policy does not include a replacement car if your car has to be repaired.
Reduce Your Mileage – Do you need your car for every local journey? Lowering the mileage you drive will reduce an insurance premium significantly. Understanding your annual mileage is imperative and remember that annual mileage can change with circumstances. You can’t be accurate if you don’t know for sure!
Second Driver for Under 25s - Can smooth out the average risk and in some, but NOT ALL, circumstances reduces the premium.
Secure Your Car & Don’t Modify – If your car doesn’t have an alarm then fit one. If you make a change to your car other than adding security, you will be charged.
Tell Your Insurer of Changes of Circumstance – Imperative to tell your insurer of any changes of circumstances and includes moving jobs and house. This will reduce the chances of a problem if you make a claim. Trying to get insurance after you've had a policy cancelled due to a fraudulent claim is very difficult and expensive.
Don't Pay In Instalments – insurers will charge you interest so pay in full or use a lower APR% credit card.
Now that you are clear around key details that will affect your insurance quote, it’s time to move onto the next steps by using a number of Comparison Websites. Comparison sites distribute your details to a wide panel of insurers' and brokers' websites, typically scraping their data off the screens to report back the cheapest.
But here is the KEY! Comparison sites don't all compare the same insurers, so the best strategy is to combine them. We have carried out research that provides the optimum order that gets you the maximum number of quotes in the shortest possible time!
Run off a QUOTE with Confused.com >>> Click here to start Avg Quote Time = 4 minutes
Confused.com - The final step! Confused provides premium quotes from a panel of 92 individual car insurance brokers and direct insurers which adds a further benefit of 11 NEW prospective car insurers.
Again be sure to make a note of the best insurance premium provider, price and voluntary excess details. You should save your quote.
You have now covered off a massive 76% of the UK market
Run off a QUOTE with Compare The Market >>> Click here to start Avg Quote Time= 4 minutes
Compare the Market provides premium quotes from a panel of 87 individual car insurance brokers and direct insurers which adds a further coverage benefit of 18 NEW prospective car insurers.
Be sure to make a note of the best insurance premium provider, price and voluntary excess details. You should save your quote.
You have now covered off 70% of the UK car insurance market
Run off a QUOTE with Go Compare >>> Click here to start Avg Quote Time = 5 minutes
Go Compare provides premium quotes from a panel of 110 individual car insurance brokers and direct insurers. Be sure to make a note of the best insurance premium provider, price and voluntary excess details. You should save your quote.
Remember to save your quote, plus you can also opt-out from receiving further contact by selecting the “please click here for more information”.
You have now covered off 59% of the UK car insurance market
SUCCESS! you now have the cheapest quote from over 140 different insurers and brokers!!!
Naturally you can continue your search if you have another 10 minutes or so at your disposal - Beat That Quote (click here to start) and Tesco Compare (click here to start) will add another handful of insurers that the others don't cover. If you are happy with your quote and the likely savings over your renewal, there are 2 further things to check before finally buying:
1) Using your saved quote, click through to the cheapest insurer and double check the quote. Occasionally they may vary slightly due to some assumptions made by the comparison site when communicating with its insurer network.
2) Examine the policy closely to ensure the policy has all the elements you were expecting like legal protection and courtesy car is included.
Glad to have been of service in ensuring you get a superb car insurance price!
Without further ado, let's get cracking!
4 Simple Steps to Great Value Car Insurance
With the economy still very much in the doldrums, with household bills and food prices continually seeming to rise, and with prices at the pump soaring towards record levels, wouldn’t it be superb if you could find some way to fight inflating costs and SAVE money?
The UK car insurance market is one of the most competitive in the world, providing access to low car insurance premiums and potentially vast savings. So don’t automatically renew your car insurance policy as there should be considerable savings to be made!
We’ve researched and devised a simple process that if you follow will in a vast majority of cases drive down the cost of car insurance premiums. Save serious £££££ by following the simple steps below:
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