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We’ve joined forces with Likewise who provides their Car Insurance Comparison Engine for our visitors. When you click on “Go Compare” up comes their Quote Form. You’ll find it’s really simple to use.
When you’ve loaded your information, within a few seconds a short list of up to 15 quotes will be displayed. They’ll be the cheapest from Likewise’s panel of over 30 insurers.
It pays to get it absolutely right, so we’ve arranged for a Comparison Expert from Likewise to phone you. Of course, if you want to compare and select all by yourself, that’s no problem - you can still buy online 24/7.
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21 Money Saving Tips
to reduce your premium.
It’s surprising what can affect the cost of your car insurance. However, with a little planning, you can make big savings on your premiums whilst adhering to the factors that insurers take into account. Bearing this in mind, we’ve come up with 21 ways to save on your premiums.
The car insurance industry uses ratings to assess their applicants, so we have also rated our tips using ticks. Three ticks means our tip is the most likely to save you money, with one tick being worth considering.
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1. Price comparison
There is always a huge difference between the cheapest and most expensive car insurance quotes. You could find quotes for the same thing ranging from 400 pounds to 1,000 pounds. So avoid the sharks and always compare quotes meticulously.
You might be delighted with the deal your car retailer has given you, but he’ll definitely be trying to recoup some of that give-away sale price by stitching you up with the most expensive insurance cover. It's easy for them to sell insurance whilst you're buying the car so they won’t be looking around for the cheapest deal for you.
It’s easy to renew your policy with your existing insurer with hardly a thought. But you really must check other prices. Insurers aren’t like supermarkets giving you loyalty points or money-off coupons, they are just out to do the best they can out of you, not to sell you the cheapest policy.
You also need to be aware that insurers specifically go after business from customers who fit certain client profiles. For example, one insurer may offer competitive prices for older drivers living in a rural area, but not so good on price for young drivers in the city centre. Insurance companies do change their target market and consequently their costs. This means that even if you got a lousy quote one year the same insurer might give you a great price the next year.
This all underlines the vital necessity of comparing quotes and it is very easy to do that by using the inline Securance comparison service. Click on Go Compare and you’ll be connected. Once you’ve input all your details your computer screen will display up to 15 of the cheapest car insurance quotes available from over 30 top insurers linked to Securance’s site, all tailored to your requirements.
2. Direct debits
It is in the insurance company’s interest to get you to pay for your premium by monthly direct debit instalments rather than accept one payment at the start of the annual policy. Although it may sound like a good idea to have the credit, you should be aware that it can cost you dear as the APR for this credit facility could cost you up to 20 per cent. So out advice is to save up and pay the annual premium all at once. If you can’t manage that, look for a cheaper form of credit – for example taking out a credit card with a 0 per cent introductory offer and using that to pay the annual premium through that.
3. Modifications
If you fancy driving a modified car we suggest you consider if it’s really worth it. Insurers don’t like them. Around 50 per cent of insurers won't even give you a quote for a modified car and if you get one it will be very high.
According to statistics, a modified vehicle runs a higher risk of being involved in an accident and repairs are costlier. You also need to check how insurer defines a ‘modification’. They need not just include getting the vehicle souped up with a more powerful engine; it could mean fitting non standard exhausts and even spoilers!
A modified car needs a personal touch as far as getting a quote is concerned. Call your shortlist of insurers to discuss your modifications, as it’s easier to describe over the phone.
But before you do, get their quotes from the Securance site selecting ‘No’ in answer to any question about modifications.
Phone the insurer with the cheapest quote and speak to one of their underwriters. Say you've got their quote, but you want to find out what it would be with the modifications.
They should give you a sound quote. Get a call or quote reference number from them, and say you'll ring them back if you want to go ahead.
Call another couple insurers for their quotes including the modifications so you have say three.
Check the website again with the modifications ticked and see who comes out best.
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4. Your No Claims Bonus
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For insurance purposes, 'no claims' means that no payment has been made by your insurer on your policy, not that you have not made a claim. Many drivers find this confusing – they assume that if they were in an accident where the other driver was at fault, then there would be no claim on their policy, therefore their no claims bonus would remain untouched. Unfortunately, this is only the case if all the cost of repairing your car was covered by the other party’s insurance. If there was any cost at all that your insurer had to pay, then it would still count as a claim on your policy.
You can usually retain your no claims bonus entitlement for up to two years if you stop owning a car for a while.
You can clock up a maximum of five years no claims bonus even if you switch insurance providers during that time. Then you should be eligible for a very handy reduction of up to 75 per cent in your premium.
If you and your partner have had a joint policy, one of you can often transfer the bonus to the other. So, when the policy is due for renewal, it would be a good idea to get separate quotes based on each of you being the bonus holder - and see who is the cheapest.
You may still qualify for a discount when you buy your own car if you've been driving a company car or if you've been a named driver on someone else’s car. It is important to inform the insurance company about this when you make an application.
Lastly, always compare the net cost after any discount on offer and don’t be swayed by the size of the no claims bonus.
5. Motor incidents
Most insurance applications want your full accident history, even if you never made a claim. This could affect your quotation even if you've been involved in any accidents where no damage was done, or where you and the other party settled the costs between you with no insurance company involvement.
But it isn’t necessarily so. Research quotes for comparison where you disclose these accidents and where you don’t, then give the insurers a ring. Many will say you don’t have to include these ‘no claim’ incidents on the application. But it is wise to get a call reference just in case there are any questions asked at a later date.
6. Insurance ratings
Standard car ratings, from 1 to 20, are used by the insurance industry. However, these days some companies have their own rating systems, which can go up to 40 or 50. Using this extended rating system your car can be put in a band with cars of similar features and a particular model range can be spread over a wide range of groups. With all these rating systems, a higher number means a higher premium.
The rating given to your car will chiefly depend on the power its engine develops and the weight of the car. But other aspects such as repair costs and the likelihood of theft will also be taken into account.
So, get a lower rated car if the insurance premium is hurting you in the wallet area!
7. The value of your car
It’s quite clear: if your car is more valuable, it is more expensive to insure it. However, if it's an old heap worth under 1,000 pounds, then insurers start to doubt its reliability and wonder whether you’ll take good care of it. That worry could result in them charging you more.
8. But it's not all about engine size
We all know that big is beautiful. But, it's not just your engine power that matters, its weight is important too. A car with a high power to weight ratio is a fast car, and that doesn’t please insurers. And what they really don’t like are fast cars coupled with young drivers, and their quotes reflect that.
The long and the short of it is that you can’t drive a high performance car and get a low insurance premium. If the cost of insurance is going to break the bank, get yourself a car with a lower power to weight ratio.
9. Comprehensive can be cheaper
Insurance companies base their premiums on historical statistics. Insurance companies are able to get away with sex discrimination in their pricing charging men more than women for the same product, which no other industry could get away with these days.
It is a proven fact that drivers of older cheap cars have more accidents, especially if they are young. It could be because they aren’t so bothered about crashing them. However, it is damage to other cars and payouts for injuries to third parties that cost the insurance companies so much. Statistics show that drivers with comprehensive insurance are less likely to be involved in an expensive accident. That's why comprehensive cover can cost less than third party, fire and theft, from the same insurer!
So look for comprehensive cover if you have an older cheap car to insure.
10. Voluntary excess
There is a fixed compulsory excess on every policy plus an additional voluntary excess which is optional and for which you decide the amount. By opting to pay a voluntary excess you are opting to pay higher proportion of any claim yourself, taking more of the risk. So if you choose a higher voluntary excess, your premium will be lower.
Get quotes for different amounts of voluntary excess and you’ll see how your premium would be affected. Then you can decide how much excess you want to take on. If you’re sure that you won't make a claim for less than 400 pounds, then fix your voluntary excess so that the compulsory and voluntary excesses together total 400 pounds and you’ll see a worthwhile reduction in your quote.
You’ll always reduce your premium by increasing the voluntary excess, but it may not be a big enough reduction to make it worthwhile.
11. Your parking space
If you have a garage use it for parking your car, not for storing junk. You can get a cheaper premium if you lock your car away at night and don’t leave it on the street.
However, if you don’t have a garage but have a ‘private drive’, this looks better on your application form than just ‘private parking’ or a ‘car port’. Most insurance companies seem to rate a ‘private drive’ higher than the other terms, so make sure you choose the one that gives you the best result.
12. Named drivers
Your insurance premium can be increased if you add extra drivers to your policy, but sometimes it can reduce it. Get quotes for adding extra drivers who have their own cars and a good driving history who live at your address, and get the same quotes excluding them. Then see which comes out best for you.
13. Drive your car less - or more!
If you have a hobby car and only drive it occasionally, then you’ll probably only clock up a few hundred miles a year. Tell your insurers if the car’s annual mileage is low and you should get a cheaper premium. On the other hand, if you drive from Land’s End to John O’Groats twice a month, you can expect the insurance company to charge a higher premium.
But it’s never straightforward! If you do very little annual mileage, say under 2,000, some insurers will worry that you may not be keeping your driving skills honed. So they may increase your premium anyway. (This won’t happen with a classic car policy.)
Ten thousand miles a year seems to be about average, but many drivers do a lot less than that. So keep a record of the number of miles you drive each year as your lender may be able to offer you a lower premium.
14. Married people
Insurers have found that married people are more responsible. They've also decided that they are even more responsible if they are both named drivers!
So get a quote for both of you to drive, even if your spouse doesn't intend to use the car, and one just for yourself, and see what difference it makes to the premium.
15. The Pass Plus course
The Pass Plus course is for new or young drivers and the objectives are to boost their confidence and give them valuable experience in a safe environment, to build on their new-found driving skills and knowledge of the road, thereby reducing the risk of an accident.
The Pass Plus course costs vary depending on and the instructor or driving school you choose and where you live. It will take a minimum of six hours, which have to be taken after you have passed your basic driving test. If you don’t successfully complete the course you’ll need more sessions and the fees will go up.
So you could finish up about 150 pounds out of pocket for this extra instruction. The Association of British Insurers (ABI)has found that that drivers who have completed the Pass Plus course have a 19 per cent chance of being in an accident during their first year of driving, but that drivers who haven't taken the course have a 20 per cent chance, which is only very slightly higher. Because of this, it's possible that Pass Plus discounts will be dropped by some insurers although there are still some offers of discounts of around 20 per cent for Pass Plus graduates available.
You have to remember two things. First of all you might pay almost as much for the course as the amount you might save on the policy. And secondly, you might find a cheaper quote of offer even without a Pass Plus discount. So again, compare all your quotes carefully, with and without the Pass Plus course.
Bear in mind that if you get quotes and don’t take the course for several months some aspects of your life may have changed in the interim. For example you may have had a birthday or changed address, or decided on a different car. If any of your details change you do need new quotes.
Ask your driving instructor about the possibility of getting a Council grant for the Pass Plus course. There may be some available if you apply for one quickly.
So in summary, taking the Pass Plus course may help you make a decent saving on your policy but it’s not guaranteed, but if you can afford the fees it sounds like a good thing to do anyway to improve your driving skills.
16. Just the job
If you drive a Ferrari and put 'racing driver' on your application, you will no doubt see your premium price running into several figures. Some other professions are deemed to be high risk especially if they are associated with drink, as are journalists for some reason. Presumably teachers don’t drink because their insurance premiums are lower!
17. Grow up quickly
One thing you can look forward to as you reach the age of 25 is that your car insurance will be cheaper. Insurers figure that at 25 your youthful folly is behind you and research backs up this theory showing a significant reduction in accidents among the over 25s.
You risk being black-listed by the insurance industry if you lie about your age on an application form and they find out when you have an accident. Don’t do it, you’ll get to 25 soon enough.
18. Your address
In general if you live in a built-up area in the middle of town your premium will rocket. If you live in sleepy suburbia, you’ll pay a lot less, and if your address is number ten, outer nowhere, it will probably cost you buttons!
You could be an extremely safe driver, you might never have had an accident, you might never even have broken the speed limit, and never had your car stolen, but if your post code is not ‘right’ your premium will be weighted against you.
But again, don’t lie. If you pretend you live with your parents in the back of beyond while your Merc is actually outside your flat in South Ken, your premium will be much cheaper, but if your insurance company finds you out, and they will if you make a claim, your insurance will be invalid. People do try it on and it’s not clever.
19. Colour counts
Maybe they have a boy-racer image but some insurance companies have decided that red cars are more likely to be in an accident and have increased their premiums accordingly.
Metallic paint is more expensive to repair thus incurring a higher premium, as do black cars which are more likely to be involved in accidents at night. Conversely, you can get cheaper premiums for white cars which are more visible in the dark.
We’ve heard that someone has identified that in the countryside green cars are more likely to be involved in accidents – maybe a green car doesn’t stand out against all the vegetation!
20. Home sweet home
Homeowners have fewer accidents, according to the insurance industry, if you own your home you’ll often pay a lower premium on your car insurance. Be sure to update your details if you buy a property.
21. Stub it out
Non-smokers can also get cheaper rates as they supposedly have fewer accidents. We haven’t heard about lower rates for people who don’t have a mobile phone in their car. Maybe it’s because it’s already an offence to use a mobile without hands-free whilst driving.
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