Looking for best car insurance deals? Here are the top ten tips.
1. Shop around. Don't choose the first car insurance policy you find. Go to a variety of different car insurance brokers for quotes to ensure you get the best car insurance deal for you. You can do this by telephone or online. Many companies, such as insureyourmotor.co.uk offer a discount for insurance purchased online.
2. Don't get caught out! Always check the small-print of any policies (courtesy car, EU cover, protected no-claims, extent of cover)
3. Have your vehicle details to hand. Brokers will ask a number of questions including car make, model and registration number. They will want to know your estimated annual mileage, where your car is kept, your occupation, the type of cover you want, any previous motoring offences (when they were issued, what type) and any no-claims bonus you have.
Note that any false information could result in you policy being invalid.
4. Document any resent quotes, the broker may ask you if have received a better deal elsewhere. They may see if they can offer you a better quote.
5. Always inform your insurer of travel abroad with your vehicle and any accidents (even if you do not intend to make a claim).
6. It will reduce your premium if you simply restrict the amount of cover, such as limiting the number of named drivers (keep to partner/spouse) and raising the excess (part of a claim that you pay for). A security device will also lower your premium, the minimum is a Thatcham 2 device.
7. If you are a young driver, it will pay to look at brokers who specialise in insuring young drivers. An example of this would be 4youngdrivers.co.uk.
8. 80% of personal injury claims are for whiplash injuries, so adjust your headrest to support the base of the skull.
9. Where possible, give yourself plenty of time to find a good broker and policy. You are more likely to pay above the odds when you are in a hurry.
10. Take what exactly the car will be used for. If you are going to use the car for, it is necessary to state that, as the premium may differ depending on the broker.
