Tips on how to get cheaper car insurance

As with many other types of insurances, car insurance also seems to be on the up. After the last changes to regulations which means it’s illegal to discriminate on the base of gender, women who renew their car insurance will probably notice that their insurance have increased. But also the increasing number of uninsured drivers on the road and the damage they cause affect the overall cost of general premiums.

So when buying your first car insurance or renewing your old one, here are some tips on how to get the best and cheapest deal possible:

First of all make sure you always give the insurance company the correct information. Don’t be tempted to lie about where you park your car overnight, what it’s used for or what you do for a living. If you’re caught out not only might this make your car insurance void and you have to pay for any damage out of your own pocket, but you might also be prosecuted for fraud.

Then make sure you’re happy with the voluntary excess you have to pay. The cheaper the overall insurance premium is the higher the voluntary excess is. The excess is deducted from any claim you make so if the excess is £250, this is deducted from the final payout from the insurance company.

Use a web comparison site to get lots of quotes so you can compare and contrast the various offers. Also do this when renewing your policy as the one you have might no longer be the cheapest one for you.

It might also be worth investigating whether keeping more than one insurance policy with the same company will give you extra discounts as some company rewards customers who take out multiple insurances with them – e.g. house insurance and life insurance in addition to car insurance.

It might also be worth fitting your car with a Thatcham fitted alarm as this usually gives you a discount and if you have driven your car for numerous years without any incident, it might be prudent to protect your no-claims discount as if you do have an accident, this won’t be affected. Insurance with no-claims discount protection will cost more than one without.

So regardless of whether you own a new Ford Ka, Gravesend or an old Skoda in Margate, the above tips should prove useful next time you’re shopping for car insurance.