How to get cheap car insurance

Tips on getting cheap car insurance

No matter what your car insurance company is, we'll give you some tips to save your policy:

1. Look for discounts - do not hesitate to ask

There may be a discount you do not use. For example, maybe your office is located close to your home, so your vehicle has a low mileage. Mention and you may get low mileage discount.

2. Rethink your insurance limit and deductible

Do not drop your coverage just for a lower price. But consider accepting a higher deductible on collision and comprehensively if it makes sense. Raising a deductible means you will owe more than your pocket if you make a comprehensive claim or collision. If you rarely drive or feel comfortable with that risk, this is a sure way to get cheaper car insurance.

3. The amount of family income

certain life circumstances can be put into cheap car insurance. For example, many companies offer cheaper rates for married couples or married couples. Or maybe you often out of town by train, bus or plane. If you are traveling by train instead of a car, your crash risk will go down - and your rate may be cheap and considerable

4. Don't put everyone on your policy

Ensure that only regular drivers are named on the policy. You can always add someone for a few days when they really need to drive the car. 

5. Increase your voluntary excess

Agreeing to pay more towards the cost of any accident repairs will bring down premiums. If you are not at fault in an accident, the excess can be recovered. Beware being tempted to allow it to rise too high, however, especially if you have a lower value car.

6. Secure your car

Fitting an approved alarm, immobiliser or tracking device can attract a discount of around 5 per cent. Many newer cars will come with these as standard, so make sure you check if you have them and then declare them.

7.Watch out for insurance trap cars

If you decide to change your car, check with your insurer if the model will have a significant effect on the premium. 

Sporty cars can attract a high premium and often a slightly different model or smaller engine can make a big difference in your favour. It will also probably save you on petrol too! 

Be aware that Insurers will try to include administration fees for changes to a policy mid-term. This fee, usually between £25 and £50, will be added if you change a vehicle or your home address. 

However, you can ask for the fee to be waived if it is a minor adaptation, such as changing to a personalised registration number.

8. Remember what the garage is for

If your garage is full of junk, clear it out and use it for your car. 

Insurers like cars kept in garages overnight and this can dramatically cut your premium. 

Aside from the benefit of not having to scrape the ice off in winter, there is a higher risk of theft by keeping the car on the road, so keeping it in the garage will be reflected in your premium. 

9. Be a better driver and sign up to a blackbox

Blackbox policies, where the insurer installs a system in your car to monitor your driving, reward those who drive carefully. 

Officially called telematics, these check your speed, how aggressive you accelerate and brake and how cautiously you drive, and also whether you are on the road at perceived dangerous times - i.e. the early hours of the morning.

They can cut premiums substantially once you start proving you are a good driver. The biggest win is for those whose premiums are high, especially young drivers.

Some insurers even offer an up front discount if you take out a telematics policy

10.Think carefully about adding young drivers

Adding a young, inexperienced driver to your policy can be a false economy, especially if you have a large or higher powered vehicle. 

The premium will still be affected by the youngest driver and he or she may not have a no-claims bonus. Insurers have also been cracking down on fronting, where parents insure cars in their name for children to cut costs, so make sure if you are the policyholder on a car driven by your children that you are actually its main driver, or that you declare otherwise.