How can I make sure I’m getting the best deal on car insurance?
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Car insurance is something that all drivers in the UK are required to have. From basic levels of cover to more comprehensive setups, car insurance can prove quite the minefield to decipher - particularly when it comes to making sure you’ve got the best cover possible.
So we’ve got some tips and tricks to make sure you’re getting the best price for your car insurance so that you’re not caught out when it comes time to take out a new policy.
Shop around
One of the greatest tools that motorists have at their fingertips is the ability to shop around on the internet for car insurance. There are numerous comparison sites available, with each bringing up individual quotes which are easier to compare and contrast.
Don’t be afraid of using one or two of these sites, either, as the quotes that they produce can sometimes vary.
Don’t let your policy auto-renew
Each year, countless drivers allow their policy to auto-renew without fully checking over the price. However, doing so puts you at risk of accepting a new, higher price which may be far more expensive than a like-for-like policy.
Again, shopping around when it’s time to renew is your best way of avoiding this. Of course, if your renewal price remains the best one then go for that, but it’s always good to see what your options are before renewing.
Add a named driver to lower your costs
If you’re in a position to do so, you could add an older and more experienced driver to your policy as a way of lowering the cost. It’s worth trialling this via a comparison site first to see how it affects your policy - remember it could go up, as well as down.
Just remember that this cannot be the primary user of the vehicle. If it’s found that the named driver is actually the main user of the car - in a move referred to as ‘fronting’ - then you could have your policy voided.
Tweak your job title - just make sure it’s still accurate
Insurance companies take into account a number of different factors when calculating the price of your cover, including your job title. However, even making a small tweak to your job title - providing that it remains accurate - can change how much you pay.
For example, if you change from secretary to PA, you might see your monthly amounts fall. Again, use a comparison site to play about these roles and see how things change.
See if a multicar policy could apply to you
If you’ve got more than one vehicle in your household, then a multi-car policy could make quite the difference. By adding more than one car there’s a chance that you could get a discount on the policy overall, making things cheaper in the long run.
A lot of companies offer a multi-car service and, particularly for families, they could make things both cheaper and easier to manage.
