Why not use a local insurance broker?
If you think car insurance is just about online comparison sites then think again. Using a local car insurance broker should be one of the avenues you take. A good broker already has links to many insurance companies, some of which are not on comparison sites so not using one may find out missing out on the best deal.
Comparison websites for car insurance
Yes most of us have used them, completed the detailed questionnaire to be then presented with lots of quotes fro varying insurers and often vastly varying costs.
If you think it is a case of it will be the same price from an insurer on each comparison site, then think again. Prices for the same cover from the same insurer often vary on different comparison sites.
Certainly not all insurers are on comparison sites. Notably one of the UK largest insurer Direct Line is not on comparison sites. The same will apply for many specialist insurers like for classic cars.
Accepting annual renewals
How many times has an annual renewal seen a price decrease? Not often we bet.
The fact is people are too lazy to check if they are getting the best deal every year and insurance companies usually have your payment details and will automatically renew your policy unless you cancel.
Rule number one for cheaper car insurance is to check for the best deal every year.
Easy 1-2-3 for car insurance quotes
Three steps is to get at least three quotes. Use:
- A local broker
- A comparison site, e.g. comparethemarket, moneysupermarket, gocompare
- A insurer that is not on comparison sites e.g. directline
Multi cover for a home is often not included on comparison sites but a broker or direct contact with an insurer may save you money.
Little black box
Not just for new drivers, a telematics black box installed as part of your insurance cover keeps the insurer informed of your exact driving habits and if a good driver can even save you money on renewal.
Choose a higher excess
Wold you make a claim if the cost of repairs was only £250-£500? Most people wouldn’t in order to protect their no claims bonus. So why not increase the excess amount on your policy to reduce the premium