Tips to Get a Better Price on Your Insurance
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Car insurance is an extremely competitive market, which automatically means good news for the consumer, since with a little bit of effort you can easily shave a good chunk of money off your insurance premiums. Here’s how to do it:
Always make sure that you start shopping around for your insurance a couple of weeks before it’s due. If you leave it until the last possible minute then you’re under pressure to sort it out quickly, which doesn’t help.
Think carefully about what level of insurance you need. Do you really need fully comprehensive insurance, replacement vehicle cover, or foreign country cover? By removing unnecessary elements you can immediately shave money off the quote. Also play around with different excess amounts – the higher the excess, the lower the quote will be.
One of the major costs of car insurance is how big a risk the insurance company percieves you to be, so it makes absolute sense to make yourself as low a risk as possible. This means making sure that your car is kept as secure as possible overnight, that you have security fitted, that you give an accurate indication of the mileage that you do, and that you are careful about the job description that you give.
Insurance companies keep records of the number of accidents that occur within different employment types, so by just amending your title slightly you can save on your premiums. This doesn’t mean lying to the insurance company, but for example, sales executives may be quite a high risk because they spend a lot of time driving and cover a lot of mileage. If you are a sales person based in an office and you travel a half a mile to work each day you don’t want to end up grouped with your higher risk counterparts – so think carefully about how you describe your job!
Next, start by using an online car insurance comparison website. These sites submit your details to dozens of insurers automatically and bring back the insurance quotes from each. It’s amazing that although these websites are incredibly easy to use, a lot of people simply go to their current insurers, get a quote, and then take the insurance – Don’t do this!
Once that you have your quotes from the car insurance comparison site be sure to look through them carefully and make sure that you’re comparing apples with apples – this means look at the excess charge (deductables), the different benefits like replacement vehicles while yours is being repaired, etc. Only pay for things that you will realistically need.
If necessary resubmit your details with amendments to the level of cover, and then check through the quotes as above.
Once you have your best quote the fun begins! There are a couple of excellent ways to really save some money!
First of all you should go and check the cashback websites that are out there. These are sites where you can register and when you buy a product through that site you get money credited to your account. A lot of insurance groups offer their car insurance products on these sites, and they offer a hefty chunk of money – up to £150 (around $250) if you sign up online through the cashback site – so you need to look through them to see if any of the insurance companies from your top few quotes are listed.
If you find any of the companies that provided the best quotes listed, then recalculate how much your insurance will cost with the cashback amount deducted.
Once you have done this, and whether any of the insurance companies were listed or not, then you should ring your own insurer, and each of the best 3 or 4 quotes that you have from the previous steps, and negotiate with them. Tell them the lowest priced quote that you have already and the level of cover and ask them to beat it.
The insurance industry is so competitive that they will almost certainly come back to you with a better price, especially your existing insurer, since they do not want to lose existing customers.
Repeat this step for as long as you feel comfortable, playing each insurer off against each other to get a better quote.
This simple method will help most people to save at least 20% on their car insurance, with some people being able to save significantly more than that.
Remember that insurance companies are desperate for your business, that there is always room for haggling with the first prices that they quote you, and that you are almost certainly overpaying at the moment!
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RAC Car Insurance
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RAC competitive car insurance includes the most popular elements as standard. It’s simple.
The RAC search their panel of approved insurers to find you the best possible price. Choose from comprehensive, third party, fire and theft, or upgrade to Car Insurance Plus for even more cover – free to existing members.
A free upgrade to RAC Car Insurance Plus and £30 cashback*** for existing RAC Members.
Take out comprehensive car insurance with RAC and you can save up to 30% on RAC breakdown cover* and also get a generous no-claims discount.
RAC Car Insurance includes:
• Windscreen replacement and repair
• Repairs – use a member of our approved network for repairs and get a 3 year guarantee on any work completed.
• Personal belongings cover up to £150
• Personal injury cover for you and your partner of up to £2,500 per person, per claim
• Medical expenses cover up to £100 for each person following an accident.
• Audio equipment cover up to £500 for non-manufacturer equipment and unlimited cover for manufacturer fitted equipment.
• If you car is less than 12 months old and is seriously damaged we will replace it with a new car of the same make, model and specification.
RAC Car Insurance Plus
Looking for extra peace of mind? Upgrade your cover to RAC Car Insurance Plus and add all the extras listed below to what’s already included in our great value, comprehensive RAC Car Insurance
After an accident
• A courtesy car when yours is off the road following a claim as long as you use one of our approved repairers
• Help with onward travel
• Physiotherapy after an accident up to £400
• Up to £100 per seat towards replacement child car seats after an accident, even if there’s no apparent damage
• If you’re hit by an uninsured driver, we will refund your excess and you won’t lose your no claims discount providing the accident isn’t your fault
Extra benefits
• If you lose your car keys we’ll pay for replacements, and cover the cost of changing your car’s locks too
• Drive your car abroad with the same cover in the EU as you have at home
• If your car is vandalised you won’t lose your no claims discount
• If you’re taken seriously ill on a journey, we’ll collect you, and your car, and drive you home
The amount of cover you get with our Car Insurance will also be raised:
• Personal belongings up to £250
• Medical expenses up to £250
• Personal injury cover for you and your partner of up to £5,000 per person, per claim
• Audio equipment up to £1,000 for non-manufacturer-fitted equipment
* Discount on breakdown cover excludes Roadside cover
Visit the RAC now to save money on your car insurance.
*** The cashback amount is £30 and is only available to RAC members subject to valid membership number being entered on the quote page. It will be paid by cheque subject to the purchase of RAC Car Insurance. The cheque will be despatched within 30 days of the start date of the insurance subject to the policy being in force on day 15. This offer is not available to existing RAC Car Insurance policyholders. This offer is not available in conjunction with any other offer and may be withdrawn at any time.
Nationwide Motor Insurance
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Nationwide car insurance is provided by Liverpool Victoria Insurance Company Limited.
Nationwide car insurance offers you the flexibility to tailor your cover to suit your needs. The cover can provide everything you would expect from Nationwide, offering the benefits of:
- Up to 75% no claim discount
- Online discount (available for new policies)
- UK-based call centre
- Friendly and efficient 24-hour claim service
- Guaranteed Courtesy Car *
- Cover for up to 180 days when travelling in EU Countries*
* excludes Third Party Only policies.
On top of these standard features, you can then choose from a range of optional extras to create the right level of car insurance cover to suit you:
Protected or Guaranteed No Claims Discount
If you have earned four or more years No Claims Discount, you have the opportunity to guarantee or protect it.
You can choose to guarantee it for the entire life of the policy, or protect your No Claims Discount ensuring that you won’t lose your hard-earned discount as long as no more than two claims are made in a five year period.
Motor Legal Expenses up to £100,000
This option covers you for up to £100,000 which can be used to pay either:
Reasonable legal costs to defend you against a motoring prosecution (in an incident when you were using your car);
To pursue a civil claim for the recovery of uninsured losses due to an accident involving your car resulting in your injury or death.
Personal accident cover up to £100,000
The standard comprehensive insurance covers you, your spouse or civil partner up to £10,000 if you sustain injury whilst travelling in, or getting in or out of any car which, within 90 days, results in:
- Death;
- Complete and irrecoverable loss of sight in one or both eyes; or
- Permanent loss of limbs.
With extended cover, comprehensive policy holders can choose to increase this level of cover to £100,000, allowing greater peace of mind.
Road Rescue
Road Rescue breakdown cover offers a choice of 5 levels of breakdown cover:
- Roadside Assist;
- Roadside & Home Assist;
- UK Recovery;
- UK Recovery & Home Assist; or
- UK & European Assist.
The basic cover includes roadside assistance, as long as the breakdown is more than quarter of a mile from your home, no call out charge, recovery to a garage or your chosen destination, if within 10 miles of the breakdown, and assistance with windscreen and tyre replacement. You can build upon this with other levels of cover to find the right package to suit your needs.
You can also choose to add Road Rescue Personal Cover, which extends the breakdown cover you have in the UK to any car you or your spouse/partner are driving or are a passenger in at the time of breakdown in the UK.
Get a Quote from Nationwide now!
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Car Insurance
Car Insurance can end up costing you a lot more than it needs to – follow our simple steps below and save yourself a lot of time, money, and effort.
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Swinton Car Insurance
Swinton Car Insurance gives you top class insurance cover from a name you can trust. Swinton were top insurance broker of 2008 and are even competitive with insurance for the higher car insurance groups.
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Prudential Car Insurance
Prudential Car Insurance are InsuranceGroups.org.uk’s top recommended car insurer.
The Prudential routinely beat every other car insurance provider on price, and offer a top class insurance product to boot – and yes, we all have our car insurance through the Pru! Click here for an online quote
It’s a fact that 51% of people could save with Prudential Car Insurance!
Car Insurance from eCar
Car Insurance from eCar.
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Car Insurance from Beat That Quote
Car insurance renewal time doesn’t have to be a headache with Beat the Quote! Read more
Car Insurance from Insurance Choice
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Car insurance doesn’t need to be difficult with Insurance Choice. With a wide range of products covering drivers of all ages & with all levels of No Claims Bonus (NCB), you can be sure that you will find the right car insurance policy for you. Read more
