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Five
Tips for potentially lower Car Insurance Online
Buying
car insurance online is a quick-and-easy way to find the
best deals in the market. Not only can you use the internet
to compare quotes, you can also take advantage of the
premium discounts that many insurance companies offer
to online buyers.
But how can you ensure that you really are keeping your
car insurance premiums as low as possible? Here is a quick
guide to finding the cheapest online deals.
1. Make sure you tick the right boxes.
Every insurer will ask you a series of personal and motoring
questions before they offer you a quote, and certain answers
could result in a vastly increased premium. There are
some cases in which this can't be helped those with minimal
no claims bonuses, for example, are bound to end up paying
extra but sometimes it’s possible to make manageable
changes which can make a significant difference to your
insurance premium.
Negotiating a garage or off-street parking for your car
rather than leaving it on the road is one way to avoid
paying extra. If your car isn't worth a fortune, you could
consider insuring only for third party fire and theft,
while fitting a security lock or immobilising device can
also help make a difference. Young drivers should also
consider sharing their parents insurance rather than taking
out their own, as insurance for under 25s can be extremely
expensive.
2. Shop around
Don't be drawn in by glossy promotions or dazzled by big
names the best way to find good car insurance deals is
to consider a whole range of providers. Internet sites
like Confused.com and Insurancewide.com can search up
to 50 providers to identify the right policy for you.
Remember, though, that sites like this don’t always
list every company you may need to do some research of
your own. Contact a few independent insurers, such as
ASDA car insurance and co-operative insurance, to make
sure that you can't get a better car
insurance quote. The market is becoming increasingly
competitive as more companies get in on the act, and you,
as the customer, can take advantage of this.
3. Don't be afraid to haggle
Car insurance quotes are not written in stone. Once you've
found what you think is the best deal, take it to other
companies and see if they will better it. The best approach
may be to take the quote to your existing insurer, who
might be prepared to better it in order to keep your custom.
And if you're shy, why not conduct your haggling online?
Most companies now offer online enquiry forms, which remove
the need for person-to-person transactions even when you
have a special request to make.
4. Pay the premium in full
It might be tempting to spread the annual cost of your
insurance by paying in monthly instalments, but in the
end you will end up paying significantly more. It's best
to bite the bullet and pay the premium in full or, if
you can't afford this, why not take out a 0 per cent credit
card and use it to take the hit? Just make sure you can
clear the debt before the interest-free period expires.
5. Drive carefully
Speeding offences, points on your licence, claims on your
insurance: all of these will represent a hefty increase
to your annual premium. Most insurers will pay no attention
to a first speeding offence, but after this you could
be looking at an annual premium increase of up to 50 per
cent. If you're confident in your driving then you might
also consider agreeing to pay more for damage before you
make an insurance claim. In some cases, this can result
in a reduced premium of up to 10 per cent. Drivers with
no claims bonuses of four years and over can also earn
up to 40 per cent off their premium
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