How To Get Cheap Car Insurance

Cheap car insurance is easy to find when you're keen to do a bit of shopping and put in effort to finding the right deal. Many people are apathetic towards shopping around for a good deal and can therefore end up paying a high price when they really don't have to.

The first thing to do is get onto a number of price comparison websites and let them give you a head start with who can offer you a good deal. From there you can check the growing number of online insurance companies or insurance company websites and get an online quote. Afterwards, phoning the companies that you find have the best prices would be the next step – so that you can get into the nitty gritty of the policies and perhaps negotiate a great deal. See if the company offers you a discount for accepting a policy online – many insurance companies are offering up to ten percent off just for using their online service.

If you want to go even further, you can perhaps contact an insurance broker who will be able to look around for you. Insurance brokers have been in the business for a while and usually know how to get the best prices.

So, once you've gotten the best quotes you can start phoning around or contacting the companies on your short-list via email. Getting in contact has its advantages, as it allows you to ask the pertinent questions and really understand what the policy offers you. Cheap car insurance is often a matter of being shrewd about the way you go about things. Many companies may offer you discounts for certain things but will not inform you of such unless you ask.

Here is a breakdown of many things you could do to negotiate a lower premium:

1) Raise your excess – Paying in a few more hundred pounds when you claim (£200 pounds is usually a fair price) can lower your monthly premiums substantially.

2) Pay annually – If you pay an annual fee it is usually considerably cheaper than monthly premiums. That's if you've got the money upfront.

3) If you're under 25 – Perhaps make an older relative as the main driver of the vehicle on the insurance policy. Of course, any claims made would reflect on their record but if they're happy with this you can drop your premiums down significantly.

4) Install an alarm system – An insurance approved alarm would definitely help your cause, giving you a 10 to 15 percent discount. Also consider a GPS tracking system, immobiliser or a Krooklock (an iron rod that slides and locks across the steering wheel).

5) Check the Terms and Conditions – Scrap anything on the policy that actually isn't useful to you, such as unneccessary add-ons.

6) Talk about your mileage – The average UK driver does about 8000 to 10,000 miles a year in their car. If you do less, you should get a discount.

7) Try advanced driving – The Pass Plus course can knock anything from 12 percent to 35 percent off of your monthly premiums.

8) Get a garage – If your car can get locked up at night the insurance company will smile. It's a good idea to see what you can do, and let them know.

9) Don't modify your car – Insurance companies don't enjoy car modifications, or anything done to the car that's not factory standard. Especially modifications done to the engine, exhaust or anything that improves the car's performance.

10) Modest cars – Young drivers might want to impress with a fast car but they won't be impressing the insurance company. If you're going to get a car, get a modest one. If you speak to the short-list of insurance companies you have about the ten points listed above you're bound to find for yourself affordable, cheap car insurance.

If you speak to the short-list of insurance companies you have about the ten points listed above you're bound to find for yourself affordable, cheap car insurance.