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Helping You To Obtain The Cheapest Car Insurance Quotes

However they may not provide all the coverage you need. Fully comprehensive policies, covering you for just about any eventuality, including repairs to your own vehicle, tend to be the most expensive. Car insurance policies will usually last for one year. However, shorter term policies are available - you can even get cover for just 24 hours if you just need to borrow a car for a day, but typically short term policies like these will be quite expensive.

You need to be insured on a car to be able to drive it. If you want to drive someone else's car you can either take out a short term insurance policy, or get yourself added as a named driver to their policy. Statistically speaking, younger drivers aged under 25 are more likely to be involved in accidents. With increased risk on the part of the insurer comes and increased financial burden on the part of the driver. Insurance prices dramatically reduce when you turn The no claims bonus is one of the best ways to reduce the cost of your insurance policy, and so it makes sense to want to protect it.

You can take out a specialist policy to insure your no claims bonus, but you should weigh up the expense to make sure it's worth it. Supplying incorrect information about yourself, your vehicle, or your driving history or failing to update your insurer when these details change can invalidate your policy. You also have to properly inform your insurer of the postcode in which the vehicle will primarily be kept. Failure to notify the DVLA and your insurer of certain health conditions, including poor eyesight, epilepsy, and stroke, can result in your policy being invalidated and you facing fines or possible prosecution.

Your current insurer will be able to provide you with this information. When your policy term ends, they should supply you with proof of your NCB, which you will then need to pass on to your new insurer. Some insurers, however, will simply reduce your NCB by the number of years since you last held insurance. Generally, UK car insurers will not accept no-claims bonuses from outside the EU, but you should contact insurers directly to see which NCBs they will accept and what proof they require.

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All UK insurance policies will supply the legal minimum of third-party cover for driving in the EU. Until recently it was common for comprehensive policies to provide you the legal minimum of third-party cover when you were driving a vehicle not listed on your policy, such as one borrowed from a friend or a hired car. And many drivers are still convinced they can simply hop behind the wheel of another car.

In fact, insurers are now placing strict limits on this so-called driving-other-cars DOC benefit, with some eliminating it entirely for drivers under 25 and for those with certain occupations. Under the Equalities Act , car insurers are not permitted to raise your premiums or increase your excess because of your medical condition without evidence that it increases the risk of you making a claim. These alterations will generally increase your premiums, because they will make your vehicle more expensive to repair. You can also get a full annual policy on your provisional license and then cancel or update it once you have passed your driving test.

The more information you supply, the more accurate the quotes you get will be. Vehicle Information Different cars cost different amounts to insure. Claim history We'll need details of any accidents you've had or claims you've made in the past five years. Other drivers Include details of any other named drivers that will be sharing your policy, as this will affect the prices you're offered. Voluntary excess The higher you set your voluntary excess, the less you'll pay each month, but the more you'll pay in the event of an accident.

How To Save Money On Car Insurance - TRICKS FOR CHEAPER PREMIUMS

Make sure you've got these details ready when you want to compare. Start a free quote. How to get cheap car insurance quotes Car insurance can get expensive if you're not careful, and prices tend to go up every year. Choosing the Right Type of Car Insurance Policy There are three main types of car insurance policy available for you to choose from:. Fully Comprehensive The priciest car insurance policies will be fully comprehensive, offering the highest level of cover available and, depending on the particular policy, will cover you for more or less anything.

What else affects the cost of a car insurance policy? Time to relax Join s of MoneySavers in the Forum's many discussion boards. Latest Money Tips Email. More than I actually paid. Flight Delays. I took your advice and have claimed PPI from all the companies we had loans with. Car insurance costs are expected to accelerate due to a rule change to compensation payouts, so avoid being hit hard in the pocket by using our cost-cutting system. It includes why you should never auto-renew and when the optimum time is to bag the cheapest deal.

Car insurance covers you if your car is stolen, broken into, or if you're involved in an accident. It also protects other road users if you damage their vehicle or property. Youngsters who have just passed their test will pay more than those who can prove they have been accident-free for years. Your car must be insured, even if you only drive it every now and then.

The Continuous Insurance Enforcement scheme, which came into force in January , means all cars must be covered — unless they're not in use and off the road. It aims to crack down on uninsured drivers by matching up the database of cars on the road with insured drivers.

The only way out is to apply for a statutory off road notification Sorn , declaring your car will never be driven. Nothing better illustrates car insurers preying on loyal customers than Sarah Cooper's tweet. How do they justify this? They just do it. Insurers charge more each year, knowing inertia stops policyholders switching. If your renewal is coming up, jot it in your diary to remember it. Compare comparison sites' quotes and then call your insurer to see if it can match, or even beat, the best one you found.

If it can, you're quids in. Sue via email. Finally convinced the other half to challenge car insurance renewal quote. As well as insurers refusing to offer you the special rates available to new customers, there is often an administration fee charged for renewing your policy. Here's a list of some of the providers that impose a renewal fee. You would expect third-party cover to be the cheapest because it is the lesser cover, just covering the person you bump into and their car. Yet don't expect car insurance to be logical. With some insurers the mere fact you have selected comprehensive, which includes your car too as well as fire and theft, means you'll be assessed as a lower risk as you're deemed to be more responsible based on 'actuarial history', which is what an insurer will hold about a particular age group or address, for example, on which it bases its premiums.

This can outweigh the fact you get more cover, and make your policy cheaper. There are no hard and fast rules here; it's a matter of trial and error, yet if you're just looking for the very cheapest cover, never only check third party. It paid off for this MoneySaver Yet it covers very little, only protecting others on the road and property and street furniture from your bad driving.

So if an accident's your fault, third party pays for the damage you cause to another driver's vehicle and their property and protects any passengers.

How to find cheap car insurance

It will not cover you for any damage to your own vehicle so you will be expected to pay this cost yourself. Third party, fire and theft Third party, fire and theft is an extension of third-party only insurance but also protects your vehicle if it is stolen, or if it catches fire. Comprehensive Comprehensive is the widest level of cover available. If you have an accident and it was your fault, you can claim the cost of repairing your car and any other damage you may cause to a third party.

The cover also includes accidental damage, vandalism and usually windscreen repair. You may be able to drive other people's cars, although this is likely to be only up to the level of third-party coverage. You may also be covered to drive hire cars. These are not standard features so check with your insurer before you buy so you are clear about what is included. Many insurers will only offer comprehensive cover for cars over a certain value anyway.

An MSE investigation in which we analysed more than 18 million quotes from three of the biggest price comparison sites — Confused. If you are already within the day period, act now as the price tends to increase closer to the start date of the policy. Here are a few successes from MoneySavers who've got their insurance around the day sweet spot Cara via Facebook. If you have more than one car in your immediate family or household, this could be for you, and having different renewal dates needn't be a blocker.

What tends to happen is multi-car newbies get hot offers to suck 'em in, but that advantage can disappear at renewal. As comparison sites don't offer multi-car discounts, you'll need to check the multi-car price directly with the insurers below, and then compare those prices with the individual policy costs you get using comparison sites. Here are three steps to follow This is where all cars are on one policy.

If your policies start at the same time, it's easy. If not, see below. The three insurers above let you set up a policy at your first car's renewal, while the other car s stay with their existing insurer, until their renewal. If you need a multi-car quote for several vehicles with different start dates, this is how it could work:.

You get cover for your lead car to start in three weeks' time, car two to start in seven months and car three in 10 months. Cars two and three will stay insured with their existing insurer until their current policy ends, at which time they will move across to the multi-car policy, for the remainder of the year. If you want your multi-car cover for all your vehicles to start at the same time, it's simple, you'll just be given one total cost.

For different start dates, you'll be given a total price to pay, which'll cover all the cars you just pay for however long each car is insured for , and you'll also be given an 'annual equivalent price', as if all the vehicles were insured for a full year, to help you compare against other providers.

As a general rule of thumb, yes, though it varies by provider. Some other insurers do simply give a reduction for each additional policy added, while keeping the policies separate. This can be an especially easy route if an insurer already covers one of your cars, so check the price when the second car's up for renewal. If you're not already a customer, you can take out two policies in quick succession to get the discount. Sometimes it will work out cheaper to get individual policies for each car, rather than linking them.

Use our full comparison system for how to find the cheapest price. Thanks MSE.

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MoneySaver Suzanne. Here are seven quick tips on how to do it most effectively…. Car insurance is all about risk. That's why it can work. If you're a high-risk driver and you add someone who is a much lower risk as a second or third driver, they can bring down the average risk and you may get a cheaper policy. This isn't just for young drivers.

How it works

But of course, it's especially powerful for those with costlier insurance. The better the driving history and lower the risk, the more impact it should have. By law insurers can't discriminate over gender, but age, driving experience and history can make a difference. This is about trial and error, not logic. Your mum may increase the cost, your brother may cut it, or vice versa. It's just a question of trying different quotes and seeing what happens. Different insurers respond in different ways.

One may cut your costs adding your uncle, another may increase them. The second driver should be someone who would reasonably drive your car. So don't add Lewis Hamilton, unless you happen to be related and even then racing drivers are likely to be a very high risk — but your mum, son, best mate or gran should be OK — as long as they would drive the car.

Never add someone as main driver if they're not. This is known in the industry as 'fronting', and is fraud. If you do it and are caught, you could face a conviction and your insurance will likely be invalid. Another quick win is tweaking your job description legitimately of course. An illustrator is often cheaper than an artist, an editor than a journalist, a PA than a secretary.

Remember, never lie, as this would be considered fraudulent. Crazy world isn't it? If you don't have a job, you face a potential fivefold jump in insurance costs by declaring you're unemployed. If that's you, say so to avoid a hike in costs. However, only enter homemaker if you're genuinely not seeking work or receiving benefits that require you to seek work.

Otherwise, it's fraud. A monthly payment plan for your insurance is essentially a high-interest loan. If paying by credit card, check if the insurer or provider charges a fee for doing so — though the fee is usually less than the interest charged on monthly instalments. Don't assume switching is only for those at renewal.

This is very important when prices are rising, as they are this year. You may find switching early saves anyway, especially if you didn't follow our full cost-cutting system in the past. There are three points to consider when doing this:. For many, it will still be a worthwhile move. Here are a couple of case studies to inspire you Insurers usually send out notifications at least 21 days before renewal. This doesn't leave much time, and you could end up rushing to find a cheaper price.

The following are just some of the cancellation fees charged by insurers if you cancel cover outside the day 'cooling-off period' and if you've not made any claims during the current year. Being on the electoral roll is not just about being registered to vote — it can also make a difference to your insurance premium. Insurers such as Aviva, Direct Line, Churchill, Privilege, Co-op, Zurich and Endsleigh have confirmed that they use the electoral roll as part of the ID-checking process to combat fraud. Not being on the electoral roll, or having incorrect information registered, makes it more difficult for insurers to identify you, so they'll probably give you a higher quote or simply not offer cover.

If you're not already on the electoral roll, it's straightforward to do. You can pay a small fee to protect your no-claims discount, meaning you can retain your discount even if you claim. It is worth considering, especially if you have a history of making claims. However, an accident is still likely to see your premium rise, regardless of the impact of your discount.

Insurers often try to sell you additional products such as windscreen or breakdown cover. Avoid buying these if you don't need them and, if you do, always check out the cost of the cover individually first. Many insurers make a large mark-up by selling add-ons at higher rates than you can get elsewhere.

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So now you know the basics of car insurance, here are the steps you need to follow to ensure you find the cheapest price possible. You must be completely honest or it could invalidate your insurance and even lead to prosecution. Firstly, visit the comparison sites as these zip your details off to a number of insurers' and brokers' websites to find the cheapest quotes.

As no single site captures the entire market and prices vary, combining a number of sites is the best way to make a saving. It's best to use all four, but if you don't have time, we've ranked them in order of the sites that most often return the cheapest quotes so you've the best chance of bagging the top deal. When ranking comparisons, we want to get you to use the best ones as quickly as possible. We focus principally on price, as depending on who you are, you can get cheaper quotes on different comparison sites.

However, we also factor in 'softer' features to assess the quality of each. Ranking on price We analysed the prices of a large range of insurance quotes given by Compare The Market, Confused. Get a quote from MoneySupermarket and Confused. Yes and no. Comparison sites send your details to a raft of insurers, then use the information on your credit file to judge your quote.

here This leaves a 'soft search' on your file which you can see as a reference if you get your credit report — but this worries many people. The only time a hard search — which lenders can see — may go on your file is if you then go on and actually apply for insurance; specifically 'pay monthly' insurance because in effect they pay upfront for you and you repay the loan over the year. If you still haven't found a deal you're happy with, or want to push the envelope, there are more options.

Details of any incidents or claims. Your driving license. Fair and free comparison You'll find UK car insurance from major insurance companies across the market, making it easy to find one that's right for you. Cheapest cars to insure Every car on the market belongs to one of 50 car insurance groups — find out which ones are the cheapest to insure Read more. Car insurance — the basics Read our list of frequently asked car insurance questions for the facts on why you need car insurance, the types of cover, excesses and more Black box car insurance Black box insurance, also known as telematics or pay as you go insurance, could help you to save money.

Top 10 tips for cutting the cost of car insurance Read on for our top 10 tips for cutting the cost of your car insurance, or get started now by comparing quotes below Types of car insurance It may be tempting to opt for the cheapest policy available, but sacrificing quality of cover for a low price tag might give you an unwelcome and expensive shock later on Cheap car insurance for young drivers Young drivers insurance for cars is notoriously expensive — find out why and what you can do to lessen the blow and find cheap insurance for young drivers More car insurance guides 9 ways to get cheap car insurance for young drivers Is my car insured?

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