Tips For Getting The Best Quote

How to find fhe best quote for UK residents

Car insurance is not top of most people`s list of favourite things to spend their hard-earned money on. But just like taxes and death, there is no escaping it if you have a car...but there are ways to ensure the policy costs less, whilst still providing a top-notch level of cover.

For those who already have insurance in place and are ready to renew, the first thing to decide is whether to consider changing the insurer. By comparing the market it is usually possible to find a cheaper quote, with many firms offering discounts to new customers.

However, some people like their insurer - maybe they have had an accident in the past and were treated well and prefer to stay with the same firm that they know they can trust. In these cases, it is still possible to get a cheaper policy, even without downgrading or switching firms.

The simplest and easiest way to get a discount is the one thing that many people never try - ask your insurer! Just before the renewal is due, ringing the firm and asking what discounts they offer can bring surprising results. Some companies offer reductions for membership of breakdown firms, others provide discounts for college alumni status or even good grades. Insurers tend not to be great at broadcasting the deals they offer so most people never know they exist and as a result, end up paying way over the odds for their cover.

Review the add-ons on the policy. Many insurers package up a deal with lots of little extras which can mount up and hike the premium up substantially. Each state has different laws about what constitutes the minimum requirement for insurance with some allowing drivers to cut back on what a policy covers, whilst still staying legally covered. Moving states may mean that it is possible to reduce the type of cover held and in doing so, reduce the premium.

It is also worth considering things such as `wildlife accident cover`. Some policies include this as a paid extra but the policy holder may be unaware that this costs them more. For some motorists who regularly drive down country roads or live in close proximity to wild animals, this kind of cover is essential, but for those who only drive around in the city, it is an unnecessary expense.

For those individuals looking to take out insurance for the first time, or maybe those who would be willing to consider a new insurer, there are a whole host of firms out there competing for business and this can only mean one thing to the customer: discounts.

In days gone by, the best way to get the cheapest quote would be to contact a broker and see what they could come up with. However, these days, for those that have the time, the way to find the cheapest deal with a policy that covers all requirements is by doing a little research on the internet. Comparison sites not only provide quotes but can give a run-down of all the main features of a policy, making the decision far simpler. It can also be possible to secure significant discounts by signing up online rather than ringing up to apply. Just be certain that the website is secure before entering any credit card details.

And speaking of credit cards, for those that prefer to spread the payments for their insurance out over the course of 10 or 12 months rather than pay in a lump sum, it can be a good idea to pay via card rather than use the insurer`s instalment scheme. Interest rates on instalments can be significantly higher, so it is always worthwhile doing a credit card comparison first.

This should not be considered financial advice which can only be given by a qualified financial professional. We suggest you consult with a qualified financial planner and/or insurance professional who is most qualified to consult with you regarding policy decisions. Many factors are involved in your policy premium some of which may not be mentioned in this article. We are an affiliate of the Bankrate Insurance Network.

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