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Get Cheap Car Insurance by comparing with Ashleigh.

I still haven’t got around to learning to drive, but every year I make a point of checking that when it comes to renewing the car insurance on our family car we shop around to make sure we get the best deal out there.

There are loads of choices depending on all kinds of things – how much excess do you want to pay? Do you have a no claims bonus? (Would you like one?), how many drivers do you want to cover? Would you like a telematics policy? (What on earth is a telematics policy?!).Cheap Car Insurance

Whether you’re looking for something specialist (classic car cover, female only policy, young driver policy) or just the cheapest and simplest policy out there my new price comparison service will help you make the right decisions for you and your family, and ultimately will help you find the most affordable car insurance policy for you.

If you are ready to get some cheap car insurance quotes head over to my comparison – Click here.

Car Insurance – some basic things to consider before you start looking

Firstly, and this goes without saying, car insurance is a legal requirement for anyone driving a vehicle in the UK. That means if you sometimes want your friends or family to be able to drive your car you must have them named on your policy alongside yourself. Most providers will let you add drivers at any time and for a short period of time (say you wanted to share the driving on a road trip for example – you could get someone named just for the weekend for a price).

The other really important thing to remember is that whatever information you give your insurance company has to be correct or your insurance will be invalid.

It might be tempting to say the car is kept in a locked garage or that you only do 5,000 miles a year when you do 10,000 but trust me, if something happens to your car and they see that you gave false information you will end up uninsured and potentially in trouble with the law, so always be honest.

The main things that all insurance companies will want to know include your age (younger drivers are usually more expensive to insure), your job (certain jobs are deemed more ‘risky’ than others and may therefore be more expensive), where you live (crime rates play a big part in how likely your vehicle is to be stolen or damaged), your own driving history and what type of vehicle you are trying to insure (a super fast sports car is going to cost a lot more than a small run-around for example).

So try to make sure you know what you need before you start comparing prices! The good news is that if you already own the vehicle you can usually just input the registration number and they will be able to find the full spec of your vehicle, which makes things a little easier.


What type of policy do you need?

As well as information on you and other potential drivers, insurance companies are going to ask you what sort of policy you want and how much excess you’d like to pay (I’ll get to that in a minute).

Here’s where it gets a bit more complicated because you have choices to make and it’s always tempti
ng to go for the one that seems cheapest, but it’s really important you understand what they mean so you don’t get caught out if something goes wrong!

There are basically 4 kinds of car insurance policy for you to choose from. You can find lots of details online but here are the basics:

Comprehensive – this is the most extensive insurance policy you can get, so if you go with this you know you’re going to be covered. It covers everything that the other 3 policy types cover (see below) and it also covers damage to your windscreen, loss or damage to the vehicle, accidental damage, medical costs should you have an accident and loss of personal belongings should they be stolen from the vehicle.

Third Party – this is the minimal cover allowed in the UK and only covers you for injury to other people (passengers or others), damage to someone else’s property and liability if you’re towing a caravan or a trailer.

Third Party Fire and Theft – this is the same as Third Party but also covers any damage caused by fire or by theft. It also covers your car for being stolen. If you don’t want a Comprehensive policy for any reason, then this is the next best policy to go for in my opinion.

Telematics – these are quite new in the world of Car Insurance but seem to be getting more and more popular. Essentially a telematics policy will involve you having your car fitted with a ‘black box’ device or using a mobile phone app to track how you drive (and how safely you drive) so that they can calculate your premium from that information. If you’re a pretty safe driver who never breaks the speed limit this type of policy could be perfect for you.


How much excess should you be paying?

Excess is the amount of money you will have to pay out towards any insurance claim you make (this is the same for all types of insurance). There are 2 types of excess – Compulsory (i.e. what your insurance company makes you pay as part of your policy) and Voluntary (the amount you choose to pay towards any claim you make).

The level of compulsory excess will depend on the information you give the insurance company when you apply (age, driving history, type of vehicle etc – remember to be honest!). If you choose to have voluntary excess it can often bring down the cost of the policy, so if you can afford it this is often a good option to go for.


Other things to look out for?

When comparing car insurance policies and companies it’s worth looking out for any additional things they offer (which might save you money elsewhere).

Companies will sometimes offer additional extras – free roadside assistance or full legal cover in the event of an accident so make sure you understand exactly what you’re getting (and make sure you’re not paying twice for the same services as many credit cards may also come with things like roadside assistance too).

No Claims Bonus is a term that you will have heard and will see when you are shopping around for the best policy for you. This is simply a reward for people who haven’t made any claims on their policy. If you go a long period of time without making any insurance claims this can be a really useful tool in getting the cheapest insurance price possible. If you go for a year without a claim you could save as much as 30% on your premium, while if you go for a number of years you could get up to 65% off so it’s worth having (and worth driving carefully!)

Many insurers will offer a protected no claims bonus which basically adds some cost to your premium in order to make sure your no claims bonus isn’t removed as soon as you make a claim, so if you can afford it, a protected no claims bonus could be a good long term money saver.

Finally one important thing to always remember is that if you do have an accident or your car is stolen you must report it to your insurance company as soon as possible. If you have a comprehensive policy they will help arrange a replacement or repairs for you, minimising stress and helping get you back on the road as soon as possible.

Now you know what you’re looking for you can check out my comparison table here to make sure you get the best and cheapest car insurance for you.

Compare Car Insurance here

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