How To Get A Good Car Insurance Policy - The Car Insurance Checklist

Does your car insurance drain your pocket? Would you like to cut the money you cough into their insurance coffers? Then here are three (3) amazing tip that you just need to beat that insurance bill down. 

The costs of car insurance is an annual headache for motorists. Our data shows the average insurance quote is £374, but there are thousands of drivers paying more because they own expensive cars or are newly qualified. If you’re one of these, the need to bring costs down is even greater. Here's how to keep those premiums as low as possible

• Get the best deal

The first solution is to make sure you’re getting the best deal. Comparison sites allow you to observe multiple offers at once. While you need to be careful about scrimping on cover, they’ll give you an idea of the price you should be paying. Once you have the best offer for your policy, phone up the big insurers like Direct Line, Aviva and others which aren’t listed on these sites, and ask them to price match. To know how to get the best insurance policy >>> click here

• Reduce the quote by showing you are responsible

Once you’ve chosen a provider, compare their quotes for third party fire and theft and fully comprehensive policies. The AA reveals that, on average, a fully comprehensive policy is almost £200 cheaper than third party fire and theft – mainly because those who purchase such a policy are considered more responsible. 

High insurance quotes are often based on the provider not knowing whether you’re a responsible driver. A way to allay these doubts is to attain an extra qualification. Being a member of a driving association, like the Institute of Advanced Motorists, can reduce your premium by 10 per cent. 

• Use technology to lower the price

Technology can also help cut costs. Pam Quinn, from the British Insurance Brokers’ Association, tells us: “Using the latest in technology can help reduce costs. For example, driving with a dash cam lowers premiums by 10 per cent on average.

“We’ve also found that new drivers can cut costs by fitting a telematics box.” Industry data shows the devices save £212 on average for new drivers. 

Finally, we recommend purchasing your insurance via a cashback site, as you can earn as much as £70. Similarly, by clicking through from one of these sites when buying breakdown cover, you can earn up to £30.


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How To Get A Good Car Insurance Policy - The Car Insurance Checklist