8 tips to lower your car insurance
Car insurance doesn’t come cheap for us all but there is a way to get the price down.
Follow my top tips which should help drive the price of your renewal right down…
- Use a number of comparison websites rather than just one. Why? Well, did you know that some comparison websites actually own some insurance companies too so they favour their deals rather than showing you the best deal! By using a number of comparison websites, you’re getting a more informed decision. I have my own comparison section on my website which you can see here and I don’t own any insurance companies so you’re getting an unbiased deal – unfortunately right now I don’t compare car insurance but it’s something we are working towards.
- Consider getting a black box policy. My husband opted for this for the first time this year, it monitored his driving for 3 month then you send it back. He received a letter to tell him he was a good driver and he would be getting a discount on his bill.
- When you get your renewal in from your current insurance company, go onto their website and get yourself a quote as if you were signing up to them as a new customer – 9 times out of 10 your new customer price is much lower. Call the insurance company and tell them this, they will likely reduce your renewal quote.
- Be clever with your job title. Don’t lie about your job title as you could see your insurance cancelled, but does you job fit into another category? For example, my husband drives a van for work as he is a delivery driver. He selected his job title as ‘van driver’ however he managed to save £7 by editing the quote and selecting ‘delivery driver’ instead.
- By adding family members on to the policy who won’t drive the car often will cost you more money in the long run. Why not just add them on to the policy for a few days at a time when they need to drive the car? This can keep the price down.
- Increase your voluntary excess. By 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. However, do make sure the voluntary excess is still at an affordable level for you.
- Doing less miles every year will reduce your quote. Why not walk to the local shops rather than taking the car? It’s reduce the miles and also some good exercise for us all 🙂
- If you have a garage, try and de-clutter it so you can get the car in there over night. This bring the cost of your insurance down in an instant.