Cheaper car insurance quotes: Five steps

Many people settle for second best when it comes to car insurance. They either get their home, travel and car insurance from one provider because it’s the easy option or just renew their cover every year to save the hassle of shopping around for a new policy.

Nowadays, though, obtaining cheaper car insurance quotes couldn’t be easier so there really is no excuse for not getting the best deal available. Comparison sites provide you with the perfect tool to shop around and using the Internet and a few simple steps can really help you save hundreds of pounds every year.

So, if you’re fed up of paying over the odds and you want cheaper car insurance quotes, follow these five simple steps.

1. Security

Before you do anything, check your car’s security and ask yourself whether some investment in the safety of your vehicle could save you money on your insurance. Fitting extra security devices such as alarms, tracking systems and wheel locks can lower your premiums significantly, so think about adding these to your existing system.

Many people live in high-risk areas for car theft, so not only will you be offered cheaper car insurance quotes by adding to your security system, you can also enjoy peace of mind when your vehicle is left outside your house at night. One simple (and free) way to boost the security of your vehicle and lower your premiums is to clear out your garage and park your car in there overnight.

2. Excess

The quickest and simplest way to be offered cheaper car insurance quotes is by accepting a higher voluntary excess. The standard may well be something along the lines of £150, but by agreeing to pay the first £250 of any repairs that need doing, you’ll see a reduction in your premiums straightaway. It is a risk as if there is an accident or any damages to your car, you will end up footing a larger amount of the bill, but avoid any prangs and you’ll save on an annual basis.

3. Named drivers

Think about whom you add as a named driver to your policy. A 17-year-old, newly-qualified driver will significantly raise your premiums, as will someone with a history of car accidents and points on their licence. Add a driver over 30 with a spotless driving record however, and you’ll actually see your premiums drop, even more so if said person is female.

4. Mileage

If you do no more than 5,000 miles a year, insurers will often offer a discount if you agree to restrict your annual mileage. Ask them if they will take some money off your premiums if this applies to you.

5. Shop around

The Internet now means there is no excuse for not doing your homework. Next time your policy is up for renewal, don’t just take the easy option go online and use our car insurance comparison service to find out whether you could get a better deal elsewhere.

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