How to Get Cheaper car insurance Quotes?
(Photo: Phil Harris / Daily Mirror)
If you describe yourself as a “chef” when filling in your car insurance application your average quote is £98 higher than if you write “kitchen staff” comparison site GoCompare.com found – and it’s not just cooks that have this problem.
“Music teachers” pay £86 more than “teachers”, “office managers” pay more than “office administrators”, and “construction workers” pay more than “builders” who – in turn – pay more than “bricklayers”.
Basically, if your job fits in more than one category, check car insurance quotes are for all of them before applying. For more on how your job affects your car insurance, check out GoCompare’s guide . And if you’re a full time parent or retired make absolutely sure you check that box and not “unemployed” – it could save you almost £300.
2. Add another more experienced driver to the policy
Not all drivers get you a discount (Photo: Caters)
It’s a crime to say someone who isn’t the main driver of a car is, but adding a secondary driver is perfectly legal - and more than that, it can save you money.
Get their permission first, then add an experienced driver with a clean driving license and decent no-claims history to your insurance.
3. Never leave it till the last minute
Searching around and switching car insurance three weeks before your renewal date, rather than on the day, saves you an average of £280, comparison site Comparethemarket found – with even bigger savings available for younger drivers.
Oh, and make absolutely sure you do compare and switch – figures from Moneysupermarket.com show almost 6 million drivers just accept their auto-renewal quote – costing them £113 a year.
4. Get some cash back
Comparison sites make money because when you switch products with them they get a referral fee from the insurer. But if you’re clever, you can get that money yourself.
Topcashback is offering up to £110.25 cashback when you switch through them. Once you’ve compared prices and found which deal is cheapest, head over to one of them and see if you can get an even better deal by switching through the cashback site.
5. Pay up front
Sometimes spreading isn't clever
6. Cut your extras and boost your excess
What’s included in your car insurance quote? Breakdown cover? Windscreen cover? Theft from the car? Driving abroad? Personal accident cover? A courtesy car? Every extra adds to the premium. More than that, a lot of them might already be covered by things like your travel insurance, AA membership, home insurance or even your bank account.
Double check you’re not double paying and then look to see if you really need these extras. Oh, and you need to check how much excess there is on your policy. This is how much you have to pay yourself when making a claim. The lower the excess the higher the car insurance, so work out how what you can afford to pay in the case of an accident and set your excess to that – even £50 can make a difference.
And of course.
These will all lower your quote, but to pay less make sure you've compared car insurance providers too.
The tricks to cheaper car insurance
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